BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX {$1500.00} caprio partners collection from XXXX  hospital. I disputed via XXXX XXXX the account for about a year sin they opened the account on XX/XX/XXXX never been contacted by them. I called the hospital and they never submitted my account with an appeal letter they had my XXXX/ XXXX  insurance cards they failed to file within the year but 90 days passed and they send me to a collection agency and never billed or called me. Now I have this balance affecting my credit I also send an email to a supervisor there number is XXXX spoke to XXXX XXXX XX/XX/XXXX. They want me to pay for their mistake. I had insurance to cover my medical services. They failed to do their job and now they want to make me responsible. Please help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them as this is the second request. Thank you.

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 2021-04-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was placed on a loan modification with Rushmore Mortgage. My previous mortgage payment was {$1100.00}. With the loan modification, the payment increased to {$2100.00} for six months. Once the final payment was made, I called the company and I was told that the payment would be the same. I received the final modification documents and the payment has increased to {$2300.00}. The interest rate went from 2 % to 5.5 %. Then they reduced it to 5 %. I told them that the current interest rate was between 2 % and 3 %. I was told that they weren't a bank and that they could charge me whatever interest rate they wanted. The five percent rate was set back in XX/XX/2020. I consider this to be a predatory lender. They asked for all of my financial information and I was honest. Instead, they insisted on placing me on a modification that was not affordable. I refuse to sign the documents for the final modification because I strongly believe that this company is connected to a chain of predatory lenders. It began with XXXX XXXX who later sold the mortgage to XXXX XXXX who later sold the mortgage to XXXX who later sold it to Rushmore. I am asking that this company be investigated. The only alternative is to sell the house. I hate the fact that these thieves will be able to walk away with money that they are not entitled to because they chose to prey on the XXXX American Community. I am a Veteran and I am appauled by the mistreatment that this country has allowed to happen to it's own U.S. citizens by allowed predatory lenders to stay in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Ditech Financial LLC
State: FL
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:
I noticed that my mortgage company Ditech reported to the credit bureaus that i was 90 days late, I opened a dispute in all three agencies because I have never been late. Ditech offered me a forbearance plan due to my home was impacted by Irma Hurricane in XX/XX/2017, the forbearance was for 6 months, I kept making payment to escrow and interest during that time. Ditech sent update to the bureaus but when i checked still showing that I " was recently late '' or '' missing payment '' or i '' have a negative impact '' in my report, those remark still affecting my FICO even though they updated the Ditech info under the account. My FICO dropped 70 points and I spent hours trying to have this resolved but they put me on hold for hours and I cant spend more time trying.I just want the information to be 100 % accurate and have my FICO score back up. 
I was denied an important loan last month and i am about to loose a purchase deal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of XXXX I received an invitation offer to open a Citibank checking account and maintain a deposit of {$15000.00} for their minimum period and receive a cash bonus of {$400.00}. It indicated this was an exclusive cardmember bonus and referenced my Citibank credit card number that I have had with them since XXXX. The offer was good through XX/XX/XXXX. On XX/XX/XXXX I did open a Citibank checking account by phone in the name of XXXX and XXXX XXXX ( acct ending in # XXXX ) and per the instructions did verify it was for their Tiered Bonus Checking Offer. In the subsequent days I did deposit a total of {$15000.00} into that account and have maintained that amount for their required period and have met all the qualifying criteria the offer has described. 

In XXXX I called to check on the status of my bonus and the agent verified I had met all their criteria and that my bonus payment would be made no later than XX/XX/XXXX. On XX/XX/XXXX I called again since I had not received the bonus. I was told it would be deposited into my account within two days. When that didnt happen, I called the next week and was told again that my payment was being processed. I got upset and asked to speak with a supervisor and after a 20-minute hold was told by the supervisor that I was not getting the bonus because I did not qualify. She indicated the denial reason was that I was not given a direct offer for this promotion. She said that the notes in the file indicated that a letter was sent to me that explained their denial. She said the letter reference number was : XXXX. I have not ever received that letter. 

Attached is a copy of the direct offer that I received from Citibank that was addressed directly to me. 

Additionally frustrating was that I was told there was no one else I could talk with and there was no email contact to use. 

I asked to speak with a manager and was told they can only make a request to have a manager call me back within 24 to 48 hours. After 3 days and no call back, I called again to request for a manager call back. I have still not received any call. 

I am in the XXXX area and Citi does not have any local branch here. My concern besides the {$400.00} bonus is a fear of having a bigger problem with my account without having a representative with authority to speak with and no means to resolve an issue in a short reasonable period.

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 monetary relief
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a home depot cc on XX/XX/XXXX. It is issued by Citibank. I used the card until XX/XX/XXXX, when citibank issued a fraud alert and blocked the card from all use. I got the card for a home improvement project. Since then I have called 6-7 times in order to resolve this issue, they tell me they are unable to verify the information. I have offered to fax info to verify my identity. So now I do not have access to my account and i am receiving no help from the bank.

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 2019-08-09
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX  has ignored my request to provide me with the douments that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be cerified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2020-11-24
Company: FORD MOTOR CREDIT CO.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had am auto loan that i paid on time using their website every month but one month somehow they show that i missed one. This can't be possible. I never missed a payment and has to be something that they have wrong internally with their systems that changed or paying off a different loan internally. I've tried to work it out with them but they refuse to remove it. I've also disputed the account 's accuracy with the credit bureaus and not had success. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: MB FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unauthorized withdrawals of over {$30000.00}. XXXX XXXX XXXX was notified, but nothing was done to resolve issue from XX/XX/XXXX to XX/XX/XXXX. A XXXX County Sheriff 's, XXXX, IL, report was filed, XX/XX/XXXX. It was determined that I was a victim of Identity Theft after a second Bank Account, MB Financial was also breached and over {$30000.00} of unauthorized withdrawals happened again in XXXX. Another XXXX County Sheriff 's Report was filed XX/XX/XXXX, and XXXX XXXX, XXXX County Sheriff Investigator is currently investigating along with XXXX County Sheriff as of XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX, IL was notified repeatedly and instead of correcting the situation, they asked that I not come back to the bank. So after Depositing approximately {$61000.00} in XX/XX/XXXX after selling my condo, Mb Financial closed my bank account in XX/XX/XXXX and handed me {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
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:
I already reached out to the credit bureaus and to XXXX - CARD SERVICE for the following account numbers : XXXX, XXXX, and XXXX. Please notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I was unemployed and collecting unemployment benefits from XXXX. During this time, my loans with Navient were supposed to be in deferment. Due to an error on Navient 's part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. 

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: ALLY FINANCIAL INC.
State: AR
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:
I have a letter, from the attorneys that sued Ally financial and clearly states, the account should no longer report late payments, and to delete account from all credit reporting agencies.

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 2021-11-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are a few accounts on my report that I do not recognize

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 2020-05-26
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX, I made a flight reservation with XXXX XXXX with my chase card for {$1000.00}. This was a returning flight from XXXX to XXXX XXXX on XX/XX/XXXX. 
When I arrive at the airport, the check in agent refused to let me board the plane claiming that they don't accept my passport. I explained to them that I just travelled from XXXX XXXX to XXXX, from XXXX to XXXX, from XXXX to XXXX, and XXXX to XXXX, so now I am going back home. Me and my friends were stuck at the airport and they didn't understand XXXX well. 
Then another agent came and said that he is willing to let me on the place but needs the same credit card I used to book the flight in the first place. He said that there is a reroute and instead of of regular stop in XXXX, there would be a stop in XXXX. he then took my card saying that it was just to confirm and part of there procedure. When I arrive home in XXXX XXXX, I say my statement and noticed that the guy wad a fraud and charged my card for {$930.00}. 
I then spoke top chase about this and they started a dispute. They then responded back to my dispute claiming that they will not refund me the money. I then said I refused and that you are not understanding the claim, the chase agent said that they are looking into it. Now, its been around four months and they are not helping much. They are not even looking into the claim anymore saying its been closed. This was very sad to hear. The charge was unauthorized and fraudulent and this is the first dispute claim I made with chase. I believe the bank is being unethical or there is miscommunication that they are not wanting to resolve and would like some further help from CFPB to resolve this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC Systems Collection agency reported a alleged medical debt of {$1400.00} to the credit reporting agency from XX/XX/XXXX I received a credit alert. I contacted the collection agency on XX/XX/XXXX and question the debt and why I was not notified in writing, which the letter was then sent a week after my telephone. I have repeatedly verbally ask the collection agency to validate this debt by sending me documentation and not just a itemized bill. I asked that it can be sent either from them OR the original creditor directly to me due to any HIPPA laws. I have called to follow up on several occasions.Dates of contact were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I kept getting the same response " the original creditor has not responded ''. I sent a electronic request via IC Systems Collections website to dispute on XX/XX/XXXX, again no information was sent and I lastly sent a certified letter on XX/XX/XXXX. This is becoming so overwhelming and is also effecting my credit score.

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 2019-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have a personal credit card and a personal checking account with Wells Fargo Bank with automatic credit card payments deducted from the checking account. On approximately XX/XX/2019, I discovered a fraudulent balance transfer to my card from another bank, XXXX XXXX, of approximately {$4000.00} which was fraudulently transferred telephonically by an unknown third-party onto my credit card on XX/XX/2019. I confirmed with the bank that the balance transfer was not done by me, was not from any existing credit card balance that I had, and was fraudulent. Wells Fargo Bank canceled the credit card and issued me a new card, and assured me that the matter would be taken care of. Instead, Wells Fargo Bank deducted the fraudulently added credit card balance from my checking account on XX/XX/2019, in the total amount of {$4400.00}, of which approximately {$4000.00} was the amount that was fraudulently transferred onto the card. I have been trying unsuccessfully since that time to obtain a reversal of the charge and restoration of the money to my bank account. I spent approximately 10 hours on the telephone going through various departments at Wells Fargo Bank, and having been cut off, after being on hold, at least three or four times, and after spending many hours being passed from department to department. They continue to tell me is " being investigated, '' but will not resolve it, and they appear unwilling or unable to get to the bottom of it, or to take care of the fraud problem. They promise to call me back at specific times, but never do, and every time I call, I have to deal with it from scratch with a new person. I am currently out the {$4000.00}, with no way to get it back. I have requested information on arbitration or other available consumer remedies, but they will not assist me, and just say I have to wait for their " investigation. ''

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 monetary relief
Consumer complaint received 2019-02-21
Company: JPMORGAN CHASE & CO.
State: PA
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:
XX/XX/XXXX XXXX charged m card for a service I did not purchase XX/XX/XXXX - contacted chase to dispute charge. 
XX/XX/XXXX - XXXX issued credit to my account per email they sent me. I forwarded the transaction info to Chase. 
XX/XX/XXXX - Chase contacted by letter & asked me to call them. They needed further info XX/XX/XXXX - Emailed letter to Chase with billing information and asked them to remove charge XX/XX/XXXX - Sent above email again & included a copy of a CHAT from XXXX saying they will credit the charge XX/XX/XXXX - Heard nothing. Called Cahse spoke to XXXX. She saw a credit on my account and recommended I wait for call from dispute dept. 
XXXX Charge still on statement but said payment not required. 
XX/XX/XXXX - Spoke to XXXX in Disputes at Chase - stated she will issue a courtesy credit within 15 Business days due to Supervisor Error XX/XX/XXXX _ spoke to XXXX/Supervisor. Was told Dispute dept. declined the credit because the transaction is too old. We got XXXX on the line and was told they processed a credit in XX/XX/XXXX and it was returned by Chase ( they did not post XXXX 's credit to my account ). 
XX/XX/XXXX - I submitted a complaint to the XXXX, XXXX XXXX against XXXX. 
XX/XX/XXXX - XXXX from Disputes Dept. told me he was investigating the XXXX complaint & will contact me back within 2 weeks. 
XX/XX/XXXX - I emailed Chase with XXXX 's credit memo info. to XXXX ( XXXX provided this email address ) XX/XX/XXXX - Emailed XXXX to follow up on investigation. I asked to be called or emailed regarding the status of XXXX 's investigation. 
XX/XX/XXXX - Received letter in mail from Chase dated XX/XX/XXXX. Letter stated they considered charge valid because of the significant amount of time that passed since my account was charged. They also stated the Merchant refused to issue credit ( even though I sent them proof from XXXX that a credit was issued on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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