BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: NY
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:
Hi, I opened a dispute with Citibank credit card, the dispute number XXXX for the amount of {$1000.00}. The credit is no longer investigating this dispute as they said that their are satisfied with the results on their end. 

Here is a timeline : On XX/XX/XXXX, I started inquiring about 3 rooms for my trip. I had advised the hotel that I will enter the country through a cruise ship that will dock on XX/XX/XXXX at XXXX XXXX. I will check out on XX/XX/XXXX to catch my flight home. 

On XX/XX/XXXX, I proceed to book the 3 rooms with them. My confirmation numbers are XXXX and XXXX. The third room was booked by our friend under her card separately. Everything was officially confirmed on XX/XX/XXXX. 

On XX/XX/XXXX, 9 days later I started to contact the hotel requesting to cancel the rooms due to the breakout of the COVID - 19. My family members and children traveling with me were not comfortable in going to XXXX because of the virus. The hotel refused to cancel and refund the money. They had advised that XXXX was still open and will continue to be fully operating in XXXX. I have reached out to the hotel from XX/XX/XXXX through XX/XX/XXXX asking them to cancel, which they refused to. They did offer to reschedule for a later date, however, as the virus became a global pandemic and is not safe to travel at this time. 

I have also contacted the cruise line on XX/XX/XXXX to cancel the cruise and airline tickets. As you can see it was a large group of us traveling. They were very understanding and agreed to cancel the trip. I have also attached the cancellations from the cruise line so that you can see the trip was cancel in full. 

Again I have reached out on XX/XX/XXXX asking them to cancel and refund and again they refused to. I have explained to them again that New York is still on lockdown and I am not sure when we will be reopening. I have explained that the cruise and airline tickets have all been canceled and I can not travel at all. I have told them a few members that were traveling with me have been tested positive for the virus and are slowly recuperating. 

I have had this trip planned since XXXX, believe me, if I could I would love to go but with the situation with the world right now it is not safe and I refuse to put my family and children 's health at risk. 

Please review and advise if you need any further documents or information. 

Please help to reverse this charge. 

Best regards, XXXX XXXX Attachments Displaying CITIBANK.pdf.

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 2023-03-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I never glad services at this address only stayed there for XXXX weeks with a friend of for work purposes

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 2021-09-01
Company: EQUIFAX, INC.
State: TX
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 an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit amount of {$250.00}, opened on XX/XX/XXXX being reported by XXXX XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been going through the origination process since XXXX with XXXX. I have not got any where closer to closing. I have been asked for documents multiple times that were provided. I was lied to by Quicken by them stating my XXXX was not responsive and my XXXX provided me documentation showing they provided them what was asked. I had to get a new credit report because they let the past one expired. I have sent multiple messages and only received a few responses ... all 10 or more days later. I have no transparency into the mortgage. I am being charged fees for work they are not even earning. This is the worst experience I have ever had. I received a call weeks ago from a " XXXX XXXX '' and he apologized. He said I would be " closing within a week ''. That was three weeks ago! We are not any where near closing. I haven't received a closing estimate updated. I asked for origination fee waivers or concessions. They said " your loan is too low to do that ''. They obviously do not care about customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This at one point was owned by another collection agency ... .i cant remember who at the moment ... .apparently it was sold to I C systems which recently placed this on my credit report ... but guess what they never send me a dunning letter/notice of right to dispute ... .Question if the last collection agency was not able to validate this debt how can I C systems just put this on my report with no 30 day notice? this is a clear violation and if this is not removed immediately i will be sending this to a consumer attorney and sending a complaint to the state attorney general

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 2023-03-29
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
In accordance with the Fair Credit Reporting Act this Creditor ( Credit Acceptance Corp ) ( XXXX XXXXXXXX XXXX XXXX has Violated my rights under the 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2018-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been paying on time until XX/XX/XXXX. I missed XX/XX/XXXX payment due to sickness. 
I called CHASE to wave the fee this time, but they didn't listen. Next month payment increased from {$29.00} to {$85.00} that is way too much for me to pay since I lost job since XXXX. 

I called them to wave the fee and interest and lower the minimum payment to {$29.00} but they didn't listen. 

CHASE emailed me to recover program to take the class online. If I finish I will get {$60.00} credit but they didn't. Now my payment went up to {$140.00}. 

I sent a letter, they didn't write me back. When I call them same conversation over and over again. They waste my time. 

Now my balance went up from {$980.00} to {$1300.00}. 

PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was on XXXX looking at flights when the American Express advertising appeared! Its stated I would recevive a {$200.00} credit statement ... .. come to find out, they are not giving me a credit ... please help me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I received a call from Mariner telling me that I was {$43.00} short on my last payment. I had been over paying the loan and on XX/XX/XXXX I went to the website to check my monthly statement and it said the amount due was {$20.00} and that's what I paid through my bank ( XXXX XXXX ). They pay all my bills since I suffered a identity theft in XXXX. 
The payment was made days before the due date of XX/XX/XXXX. They wanted me to pay the shortage over the phone in which I refused and said that I would pay as I normally do. He continued to push me to pay right then so I ended the call. This was my 2nd issue I had with this group. When covid started they offered all account holders a chance to refinance their loan in which I looked into. They came up with a {$9.00} difference and adding 6 months to the term, I declined, that's when the XXXX XXXX started from the rep. trying to force me to take the new loan I again refused but he continued to argue with me as to why I wouldn't take the deal I again ended the call, immediately after that I got a call from the branch manager and she continued the onslaught of insults toward me for not taking the new loan, I felt {$9.00} a month and additional 6 months just wasn't worth the trouble. I check my balance regularly on the website and it is never matched to what they tell me I owe its always more $ XXXX and I feel that I've been stuck on one figure for quite sometime. Each time I have talked with them they try strongarm tactics, the Mariner branch in question is Mariner Finance XXXX XXXX  XXXX XXXX in XXXX NC. this were the loan originated.

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 2017-11-19
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a payment demand from " Mr. Cooper '' aka Nationstar. I contacted the company and explained to them a mistake had been made by the company. The major issue is I do not have a loan from them now, nor in the past. I further explained that I do not own the property they claim I own. They have ignored the mistake and continue to send certified and regular mailing to me and my wife demanding monies. I am not sure why they have not simply checked with County Auditor to verify the home ownership. In my opinion this appears to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Synter Resource Group, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collection notice from Synter Resource Group , LLC . claiming I owe debt to XXXX for {$28.00}. I do not owe this debt. 

Synter 's file number : XXXX Date of letter : XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I tried logging into my chase account through the chase app and was denied access. Due to Covid-19, I waited until the next day so I can speak to someone in regards to my chase log in information. Today, XX/XX/XXXX, I was told by a representative that I am no longer a chase member and my checking/savings account was closed indefinitely. A decision made by Chase without my acknowledgment. I tried asking for reasons as to why this was happening? I have a clean record and money was consistently deposited on a weekly basis so my account was very much active. Their was response was, " Chase has the right to withhold information and not tell you why your account was closed. '' This is absolutely absurd! I decided to do research and thousands of Americans are faced with the same situation. Honest people with thousands of dollars being toyed with because Chase felt the need to close accounts without giving reasons as to why. I, like millions of Americans during this pandemic, am receiving my unemployment insurance benefit through Chase. This is extremely inconvenient and unjust. Our tax dollars bail out banks such as Chase constantly and we can't even get a solid explanation as to why our checking/savings accounts are being terminated. Something must be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had the account for 3 years and never missed a payment until the end of the loan so they claim. They are reporting current no past due history with XXXX, EXPERIAN late 30 days ( XX/XX/2019 ) and XXXX ( XX/XX/2019 ). This company has never even sent a statement advising that that the account was past due and the statement that I did receive showed an incorrect balance. I reached out to the company and requested to have the 1 late payment removed as a Goodwill, it was declined due to FCRA guidelines. The credit bureaus advised me to contact the company and ask for a deletion since the account had been paid in full and the negative history was hurting my score. The company stated that it was against their policy to do so. I think that this company has discriminated against because they use unfair tactics, they never reported a late payment until the account was closed, never sent a statement with the correct balance showing that my account would be past due and has violated FCRA guidelines.

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 2020-09-20
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
date account was open XXXX XXXX, XXXX I've called the debt collector several times and sent a debt validation letter and yet I didn't get a response. I went a step further, contacted XXXX and XXXX to verify that they received my certified mail of the letter I sent to debt collection. I am beyond frustrated in doing the same thing over and over again without results. please I need help to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I never got my edd card and some one use it got the money Here name is XXXX

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 2018-07-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have paid my credit card on time and in full since I have had the card. The money is taken from my bank, but, I can not use my card for 10 days once they receive the money. When I talked to the representative at Chase Bank ( I have a Chase credit card ), I am told that if I pay more than half the balance, I have to " wait 10 days '' after the money has cleared to use the card " Just to make sure that the money is there ''.

I was told that if I pay less than half the balance, then, I can continue to use the card. But, if I pay off the total amount, I can not use the card for 10 days.

I feel that this holds me hostage. I am penalized if I pay off my balance on time, monthly.

This makes me very angry. I feel that the Chase credit card company is trying to force me to carry a monthly balance to increase their fees, instead of allowing me to pay off the balance and continue to use the card.

I think this is a very unfair and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In the event where the bank collected PMI, does the government realize the bank told me deliberateluy not pay mortgage for 3 months because it would qualify me for a loan modification. This was an obvious scam., so they could collect. Where does it leave the house if the promissory note ( which was fraudulent ) now that it is separate from the actual deed. It still gives the bank no right to hold my home hostage, continue to deny and accept modification apps, and add interest to loan, while I am still making contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.

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 2020-07-16
Company: EQUIFAX, INC.
State: OR
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:
XXXX XXXX  issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

XXXX

Company response to consumer: Closed with explanation