BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
applied for a XXXX XXXX XXXX through Chase. Was told due to bankruptcy 7 years ago, I was denied. Asked to speak to someone to further investigate. Was told bankruptcy again and I called XXXX due to the fact it was 7 years ago. I have a credit card and have charged and paid current over {$300000.00} dollars and my credit is very good. Then was told that it was due to me naming Chase in my bankruptcy 7 years ago. I have my home mortgage through Chase and asked my branch manager where I bank to help and was told Credit Cards is  like their own company and She couldn't help. The great depression of XXXX was caused by the banks, not me. Can Banks be vengeful when issuing Credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-10-17
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: Investigation took more than 30 days

Complaint:
i recently sent letters over 30 days ago to this bureau and they are disregarding my dispute. I am very stressed at this moment, I have been sending letters and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX was closed without documentation submitted by XXXX XXXX reviewed. Close review of documentation submitted by XXXX XXXX to CFPB shows information was submitted for someone with the last name XXXX, a submitted Lease containing multiple leasees ' which was voided by XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX in XX/XX/2017, two different apartment numbers ... one in the Lease and another on the Statement, no payment information showing dates and amounts of rental payments as well as the last date of payment. This is why court documentation and a court judgment confirming the accuracy of the reported debt has been requested. XXXX XXXX refuses to substantiate the debt with legal court documents. I am requesting again that XXXX XXXX provided court documentation and a court judgment to substantiate the reported debt. Submitted documentation by XXXX XXXX confirms the act of merging information from other accounts to confirm the reported debt. Legal court documentation and court judgments will confirm the debt and should be provided to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Co L at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the about of {$100.00} the collection has been reported as past due. I do not know this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: CITIBANK, N.A.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was told of a promotion ( Promotion XXXX ) from Citi in XX/XX/XXXX stating " you can earn {$400.00} with a {$15000.00} qualifying deposit '' with additional terms including " {$15000.00} must be maintained for 60 consecutive calendar days following the date of the qualifying deposit '' and " The cash bonus will be credited to your new Eligible Checking Account within 90 calendar days from the date you complete all required activities. '' On XX/XX/XXXX I went to the Citibank Branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. There, XXXX XXXX ( XXXX ) assisted me to open a new Citibank account . I opened the account with the explicit intention of benefitting from the promotional offer and complied wit the terms stated by it by depositing {$15000.00} and keeping them in for two months. In the subsequent months I met all the requirements to be awarded the bonus. Unfortunately, I never received the {$400.00} bonus. 

I personally met with branch employees three times in XXXX. The first time, around XXXX, I was told I had to wait 90 days to see the funds credited in my account. Of course, this did not happen. 
In XXXX I went to the Citibank branch at XXXX XXXX XXXX with this concern. I was assisted by one of your partners and was told that they would look into the issue and contact me with a solution. 
In XXXX I met another employee, XXXX XXXX ( XXXX ) who looked into my case and told me they would contact me with a solution. 

Finally I received a communication stating I needed to complete the W-8 tax form. I did this and sent it via both standard mail and email around XX/XX/XXXX. I still have not heard back even though I have asked both XXXX XXXX and XXXX XXXX to update me in this issue.

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 2021-02-18
Company: Maury Cobb, Attorney at Law, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had service with XXXX  but was unable to keep it due to lack of funds. In XXXX I was able to start paying down my balance which was {$240.00}. I paid {$48.00} to XXXX with the understanding that I would pay each month thereafter until the bill was paid in full. I then paid on XX/XX/XXXX another {$50.00} leaving a balance of {$150.00}. On XX/XX/XXXX I got a letter from an attorney, Mr Cobb stating that I had 30 days to dispute or pay a discounted amount by XX/XX/XXXX. Then upon checking me credit reports I find that a collection agency named XXXX XXXX XXXX in Alabama on behalf of XXXX advised the three credit bureaus that I have a collection account for {$150.00} which has negatively affected and impacted my credit reports. I was never told by XXXX that my account was being handled by a collection agency and they XXXX continued to accept my payments in XXXX and XXXX instead of letting me know that my account was being handled by any collection agencies. The attorney 's letter, Mr. Cobb, I received was the first time I found out that anyone was trying to collect from me since I was paying XXXX myself. I never got a letter from the XXXX XXXX XXXX  nor XXXX  stating that they would be placing this info on my credit reports as even the attorney 's letter gave me time to dispute or pay and them within a certain time period. Of course if I didn't do anything within 30 days I would expect it to go on my credit reports. However, like I said I have paid XXXX  and I had a right to know their intentions of putting it on my credit report before they did it and before sending it out to collections since I was already paying my account down myself. My intentions were to pay it off so I could resume service with XXXX as soon as my balance was paid. They neglected to notify me that even though my account was closed and they were in fact accepting payments from me that they had in fact sent my account out to bill collectors as if I were not making any payments to them and then it was placed on my credit reports making it look like I had owed XXXX  monies that XXXX  could couldn't collect from me and that simply is just not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Frost-Arnett Company
State: GA
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 already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is continued follow-up and documentation re : complaint XXXX. 
American Express applied a penalty APR of 29.99 % to my Business Blue account. They claim I missed a payment in XX/XX/XXXX and thus it was applied, and they will review in 12 months. First, this is not correct. On XX/XX/XXXX, I made a XX/XX/XXXX payment of {$1500.00}, and on XX/XX/XXXX, I paid the XX/XX/XXXX bill early, making another payment of {$2800.00} on that date : this was an early payment for XXXX. The XX/XX/XXXX payment of {$500.00} was the XX/XX/XXXX payment. I was charged a penalty APR of 29.99 % for over a year because American Express was confused over an early payment. I also want to know what CFPB 's role is in helping with credit card fraud. This is the agency tasked with protecting consumers, and I intend to pursue action with a lawyer. This is how egregious conducting business with credit card companies has become : I have been a customer of theirs since XXXX ( both Business Blue and American Express Platinum ) and *never* missed a payment. In addition, according to Amex, whom is inaccurate in their response, 1 ) they charged the penalty APR of 29.99 % because I was ( according to them but incorrectly ) 6 days late with a payment ( after 20 years of no missed payments - ever ), and 2 ) they can apply the penalty APR of 29.99 % for over 12 months. According to the Credit Act of 2009, the penalty APR of 29.99 % can not be applied until after 60 days of late payment ; and 2 ) the penalty rate must be removed after 6 months. So, on all fronts, American Express is incorrect. What is the role of CFPB in helping consumers with this injustice?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Conduent Incorporated
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had XXXX taken from my New Mexico unemployment card and Conduent refuses to give me back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There were inquiry made on my Equifax report that werent authorized by me Equifax sent me a letter stating they would remove the inquiries but never did the inquiries are XXXXXXXX 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 XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing inaccurate information on my credit report for a little over a year now & the company who is reporting that I have a charge off is reporting inaccurate information so I know for a fact that the bureaus are continuing to leave this charge off on my credit without properly investigating this issue. XXXX XXXX XXXX is the creditor & has not provided me with any information or documentation showing that the account does in fact belong to me, if unable to provide concrete proof then they are supposed to delete this information from my file. The burden of proof is actually on them to prove it, not me

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 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Very briefly, Transunion failed to reasonably investigate two disputes XXXX credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by XXXX XXXX XXXX, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b ) ( 6 ). 

Dispute 2 : XXXX XXXX prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX '' ). I have also attached my original statement delivery instructions ( " XXXX '' ), and the original dispute to Transunion ( `` 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 2022-08-14
Company: NEW CITY FUNDING CORP.
State: FL
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 XXXX Account # XXXX XXXX XXXX XXXX ( Sub # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Rocket Mortgage, LLC
State: NC
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:
On XX/XX/XXXX, I received a call from Rocket Mortgage regarding information regarding the process of a mortgage in the future. The rep stated he will need to access my credit report, when asked if it would be a soft or hard inquiry he stated it would be a hard inquiry, I then stated to NOT pull my credit, but it was completed without my authorization. I have reached out to Rocket Mortgage as well as escalated my concerns on several days XX/XX/XXXX, XX/XX/XXXX, XXXX. The phone call was pulled and reviewed where they acknowledge I stated do not pull my credit, but stated because I verified my information they are able to access my credit without my authorization. Ask again, you can access my credit when I say No because you have my information on file and was told yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
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: Other problem

Complaint:
On XX/XX/XXXX, i purchased what i believed were plain, non marked jackets from a seller on XXXX. The package i received contained all marked, counterfeit XXXX XXXX XXXX. On XX/XX/XXXX or XXXX, i called Chase to file a chargeback for Counterfeit Item. Today on XX/XX/XXXX, i am notified by chase that the operator i spoke to filed the dispute as Incorrect amount, and that the evidence of counterfeit items i submitted meant nothing when they asked for more info on XX/XX/XXXX and now i am rebilled the disputed amount. I have been punished for the Chase customer service representatives mistake in filing the wrong dispute reason. If there is recording of calls like the automation says before a chase call, you will hear me specifically tell the operator this is for a counterfeit claim and they even repeat back to me that they understand i am filing the dispute for counterfeit items. They then proceed to file it for incorrect amount charged. I am not expecting this when they ask me for more information, so i submit the requested evidence which i believe they are asking for which is evidence of counterfeit. They are now telling me i can not re open this dispute and this is absurd and i have been robbed over a customer service agents stupid mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: JPMORGAN CHASE & CO.
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:
I am receiving notices on my credit score from a JP Morgan Chase credit reporting app that is stating I made 6 late payments even though I have never missed a payment or accrued interest. I believe my credit score is misrepresented and I desire a dispute to have this misconception amended and my credit score brought up. 

Further, I am receiving many more credit inquiries than I have agreed to. For example, XXXX XXXX sent me a card saying I was preapproved, so I agree to have the card and they made a credit inquiry and did not send the card. I have seen similar tactics from XXXX XXXX  and JP Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
The company offered a discount payoff with the removal of a negative account from my credit report. I made the agreed offer, and they didn't remove the account.

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 2017-11-28
Company: Navient Solutions, LLC.
State: AP
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started an income-driven repayment plan in 2016 with various lenders. Instead of reporting that I am currently on an income driven repayment plan and have smaller payments, Navient continues to report that my monthly payments are over {$600.00} which is negatively affecting my credit report. My other lenders ( like XXXX ) clearly state that my payments are lower as a result of my IDR. My husband and I are trying to purchase a small home so we can build equity and eventually have a savings, but we continuously run into issues because my credit report shows that I have a $ 600 monthly payment, on my student loan, when I do not. I have called Navient on numerous occasions and they refuse to correct this issue. They state that is the method they use to report and that I should know what my monthly amount is. However, they have no contingency plan for how it is affecting my credit report. I frequently get paranoid about payments because I want my credit history to remain clear. Navient website also shows that I have a {$600.00} payment due, so I often pay something to avoid penalties. I call every so often to verify the amount of my payment because my other lenders have the information very clear and concise on their website. It is very confusing and I feel like Navient is purposefully misleading borrowers so they pay more than they have to.

Company response to consumer: Closed with explanation