BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have spoke to Chase to report unauthorized charges on my account, I was I going get letter in the mail to sign and return back, I was also told I would get temporary credit on the account, neither happened. 
Chase Sapphire Card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Synchrony Bank or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " XXXX XXXX XXXX XXXX XXXX XXXX '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CFPB, this is my third complaint to you regarding Citi 's unfair practice towards its customer. The reasons I keep writing these complaints are : ( 1 ) I have not received a satisfactory answer and resolution from Citi, and ( 2 ) I strongly believe that this is an unfair and deceptive practice/policy of Citi that others might be victims of ( I have read similar complaints in XXXX  and CFPB ). 

Please try to put yourself in my shoes and tell me if this happens to you, it does not cause frustration and anger because you know it's a policy that victimizes the customer. 

Please read my previous complaints for details, but in a nutshell my family savings was locked on XX/XX/2020 under the excuse of " being reviewed for fraud '' and " being reviewed for closure ''. No one in the Fraud Department or Executive Response Unit ( ERU ) was able to confirm why because it is being reviewed by the " back office '' of which no one even at Citi is able to contact. They told me to wait 30-60 days for an explanation, then another 30-60 days for the account to be closed. So under this ridiculous policy, a customer can be locked out of their own money for a total of 120 days. 

It was only after multiple complaints to CFPB and XXXX  they finally released the funds. That is 63 days after many frustrating calls, emails, and complaints. Hours have been lost. Money have been lost ( I had to take a loan with transaction fee because I could not access my money ). Time have been lost. 

And the explanation Citi provided on why they close my account? Tell me if this is a satisfactory explanation : " Citibank maintains the right to close an account " ... at any time with or wihtout cause. '' We may try to notify you in advance should this be necessary, but we are not  obliged to do so. '' So it's a non-explanation explanation. So they threw their customer on the curbside because of what exactly? So Citi is saying to me : " We don't want you as a customer for reasons that we will not share with you, but we have no issue keeping your money during the long process, because we can make more money out of it for ourselves! '' Did they address the loan that I had to take? No. Did they address the lost time and potential interest? No. Not even an apology, just a cold letter with unsatisfactory explanation. 

Do they really expect me to accept this unfair treatment just because it is part of their " policy '' and " customer manual ''?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, 2021, I was contacted by Detective XXXX of the XXXX  Police Department. Detective XXXX advised me that he had arrested an individual and that that individual had in his possession a false photo identification card, a Well Fargo card, a XXXX XXXX card, and a XXXX  XXXX XXXX card with my name of them. Detective XXXX also advised me that the individual had all of my personal information, including name, address, DOB, SSN, mother 's maiden name, phone numbers ( cell and home ), employment details, credit history, and mortgage papers. I then contacted the above noted banks and credit card companies. I also contacted the banks, XXXX XXXX and XXXX XXXX, who are listed on my credit report as having made inquiries. I also notified all three credit bureaus. There were numerous unauthorized transactions on my bank and credit card accounts, including a XXXX ATM withdrawal from my Wells Fargo account on XX/XX/2021 and THREE ATM withdrawals from on XX/XX/2021. There were also fees for each of these ATM transactions. In addition, there were two ATM withdrawals on my XXXX  XXXX XXXX account. All of the banks and credit card companies involved have credited my account for these unauthorized transactions ( or advised that they are going to do so ), except for Wells Fargo ( who says it is still investigating ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
showing on my experian credit score, As length of time ( or unknown time ) since account delinquent, this information has been in my account since 2000 and not sure why credit report would remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link my PNC Bank account to my XXXX Investing Account and it wont allow me to connect. An error message stating PNC wont allow links with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
LoanCare LLC failed to pay the real estate taxes for our home in a timely manner. The taxes were due on XX/XX/XXXX and not paid until XX/XX/XXXX. Our account with the county we live in now has penalty and late fees assessed in the amount of XXXX and is due on XX/XX/XXXX. I have contacted this company via telephone several times thoughout the month of XXXX. On one phone call I was told that the payment for the penalties and late fees would be issued on XX/XX/XXXX. As of today, ( XX/XX/XXXX ) the check still has not been issued. We pay our mortgage on time and have never missed a payment. We have an excellent credit and do not want our credit effected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Accelerated Receivables Management, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Mr. XXXX from a debt collection company supposedly in XXXX, FL, called and left a message. I called the number ( XXXX  ) and tried to leave a message in either his mailbox or the general one, and was denied twice. The direct number, which I also called ( XXXX ), corresponds to a twice-differently-named agency than that from which he said he was calling on the phone : XXXX XXXX XXXX I then emailed two of the email addresses on the ( faux? ) companys contact age. Both came back immediately as dead-letter boxes with all the hops and whatnot. I can provide those emails if the authorities wish.

Given all those attempts, I think this is a scam and Ill have to try to block all the domains in the business bounceback e-mail trace.

Thank you.

Addendum : this was not an option in the last pages of the complaint dialog. I am not a veteran, but I am XXXX. Could they have identified me somehow, like the rash of these companies picking on the elderly a few years ago?

Company response to consumer: Untimely response
Consumer complaint received 2021-01-26
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2019 I had an observation stay at XXXX  XXXX. A month later I received a bill from the hospital for {$5000.00} and I realized that they didn't charge my secondary insurance, only my primary. I called the hospital on 2 different occasions and provided them my secondary information to run. In XX/XX/2019 I was sent to collections for the full amount of {$5000.00}. I contact RevSolve, who is the collection company handling my account and explained the situation. They acknowledged that only the primary was charged and said that I was still responsible for the full amount, even though it is the hospitals fault for not running my secondary. They refuse to correct the situation and continue to try to collect {$5000.00}, which they acknowledge is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX potentially negative icon Potentially Negative StatusClosed.  {$130.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1000.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$150.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1200.00} Date OpenedXX/XX/XXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$90.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$430.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY accounts and address are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021. Citi Bank falsely attached someone else 's credit report to my account, resulting my credit card limit was lowered significantly. Contacted Citi rep on XX/XX/XXXX, XXXX she's rude and refused to help me correct the error and ask me to contact the credit bureau. 

Citi XXXX  score showed I have a score of XXXX with delinquencies and high credit balance In fact on XXXX website showed I have a score of XXXX with no delinquencies and with less than 5 % total credit utilization. 

This error has and will affect my real credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called company XX/XX/XXXX received a notice about debt I never received a bill showing that it was my debt and when I ask for bill because I needed to verify that it was my account I was told it needed to be paid in full and I couldnt get a bill I needed to contact company.i was also advised that when I called back I needed to make a payment and they dont accept settlement amounts .the billing date was XX/XX/XXXX and debt just showed on report XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!! 
I would like them to take this off my credit report and do not try to put it back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is reporting a collections account from XXXX   insurance in the amount of {$240.00}. I have been trying for almost a year to have them remove this from my credit report both the collections agency and XXXX  have been sent insurance verification forms from XXXX insurance showing I had purchased I insiramce thrpigh them and cancelled insurance with XXXX. XXXX charged me and then sent it to a collections agency, they refuse to remove this account even though I clearly do not owe them. I have reported this problem to XXXX  and Transunion but get a response of it being reported correctly, it is not. I do not owe this collections account or XXXX. I have proof of insurance prior to cancellation of the XXXX  policy through XXXX and should have not been billed by XXXX, policy was cancelled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After several different loans over several years, I am over the 15 day grace period on a payment for XX/XX/XXXX due to the holidays ( after 14+ months of solid payment history ). After this grace period, I started getting between 4-7 robo calls from the XXXX XXXX XXXX, every day, leaving no messages. When I do answer, no one is on the other line, only a message stating 'No one is available to take your call, please hold ' and then I am on hold for 5-10 minutes. I have asked to be removed from this automatic dialer, but was told without a promise to pay, even with my good payment history, I would have to endure the automatic dialer calls. I finally was able to pay, but am still receiving calls. I missed one payment out of a great payment history, and am made to feel like I 'm a second class citizen. I feel this is unnecessary and harassing. I am very dissatisfied and this has made me rethink getting another XXXX. I am attaching screenshots my phone allowed me to take of the calls as proof of the repeated calling. 
I am also uploading my payment history showing I do in fact pay within the 15 day window required to be considered in the grace period of on time ( as paychecks allow, sometimes it 's earlier than the XXXX, sometimes after ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' Experian Information Solutions Inc. " a Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the major credit bureaus this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2019 i had 4 fraudulent transactions on my debit card from XXXX gas station in XXXX XXXX. 
1 for XXXX 1 for XXXX 1 for XXXX 1 for XXXX I called the bank as soon as i was made aware of the transactions that all happened around midnigjt while i was home asleep with my atm card in my wallet. I advised them that i believed there may have been a skimmer or something because i HAD gotten gas at that station on XX/XX/XXXX in the amount of XXXX. They temporarily credited my account on XX/XX/XXXX for the full amount and opened a claim. On XX/XX/XXXX my account was overdrawn because they reversed the credits and claim that the i investigation found no fraud and they were legitimate transactions because of the location although i had told them the transaction from that location 4 days prior was authorized but not the 4 equaling {$410.00}. I called to appeal the decision and they opened a appeal case but said i may not win and may not get my money back. I tried to get this process expedited considering my account is in the negative and i have bills on autopay set to come out and children to feed. 
I dont think that the investigation was fair and even other reps on the phone said they see this all the time with gas stations and its always fraud so im not sure why i as a customer am being held accountable for stolen money. The appeal is in process and will take 3-10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted a dispute to the credit bureau requesting an investigation into the item listed as a collection on my credit report. I did not receive any updates or response to my request for method of verification. I have sent a follow up to the company as well as called. I am curious to know if XXXX as well as XXXX has deleted this account due to inaccuracies as well as not being able to verify how can Equifax? The representative I talked to on XX/XX/22 name XXXX ID # XXXX stated it is not Equifax job to tell me what methods were used to verify this information and that it is accurate. I am entitled to know the methods this company used to report information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting in XXXX, Fifth Third began applying my mortgage payment 3-4 business days after it was sent by my bank XXXX and received by them. This has happened in two concurrent months. XXXX has confirmed the money was deposited in the correct account. I have not had this issue in the past. Fifth Third has not provided a good reason for the change and I believe they are unethically not posting the payment to collect additional interest from me and potentially others.

Company response to consumer: Closed with explanation