BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, I applied for a Chase Sapphire XXXX credit card on XX/XX/XXXX. Shortly after, the application was declined, and I called to request a review of the application. On XX/XX/XXXX, I received a call from a supervisor with the same department letting me know that upon reconsideration, the application was approved. I applied for the Chase XXXX credit card on that same day. On XX/XX/XXXX, my Chase Sapphire Preferred credit card account was closed and the pending Chase XXXX credit card application was also declined. I called to request a review, and received a callback from XXXX with the same department on XX/XX/XXXX letting me know the Chase Sapphire Preferred account was reopened, and the Chase XXXX credit card application will be reconsidered. The application was approved shortly after. However, on XX/XX/XXXX, again, my Chase Sapphire Preferred credit card and my Chase XXXX credit card were both closed, with the same set of reasons given as the letter sent to me on XX/XX/XXXX. I requested a review again, and got a call from XXXX on XX/XX/XXXX letting me know the account will remain closed for the same reasons. I called again and was advised that it is highly unusual for accounts to be reviewed again in such a short period of time, and given my circumstances and that both times the reasons given for the account closure are the same, I can not comprehend why the same set of reasons could yield two totally different decisions. I can only imagine that the true reasons may not have been provided. Furthermore, its simply unacceptable from a consumers perspective to be approved a credit card that was closed so soon when my credit information hasnt changed, even though it was cited as the reasoning behind the review. I am writing to request the Executive Office to reinstate my credit card accounts ending in XXXX and XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Experian Information Solutions 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 repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to Experian, XXXX, XXXX  credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and others. I have not lived at the address associated with these accounts and I have documentation to prove this.

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 2020-07-03
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal -negative XXXX GBP XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal XXXX XXXX GBP ; PayPal XXXX Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Experian Information Solutions Inc.
State: MD
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 sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.

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 2020-11-05
Company: EQUIFAX, INC.
State: AL
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:
on XX/XX/2020, I filed a dispute with the Equifax about two unverified accounts XXXX XXXX Account # XXXX and XXXX  XXXX Account # XXXX. on XX/XX/2020, I filed a No Response Regarding Disputed Information After 30 Days notice to Equifax as well! In those two months, I have asked numerous times for a response and I have not received anything from this credit bureau in over 30 days which is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today and I am asking for the deletions of these two accounts. Thank you for your cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: SYNCHRONY FINANCIAL
State: VA
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 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 2022-01-06
Company: Experian Information Solutions 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:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX Adjust XXXX XXXX XXXX XXXX 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 2019-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 non-monetary relief
Consumer complaint received 2021-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I have reviewed my credit report and discovered that this company has reported that this company has reported that I owe them a debt. I was never sent any notification to make me aware of anything. I do not recall ever doing business with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
during the housing crises my mortgage loan was being service by JP Morgan chase bank. After 6 years in foreclosure I receive a loan modification. I was under duress and facing the homelessness with my XXXX year old child I had no other choice. At the time of the modification the home was valued approximately {$190000.00}. Chase bank place a new loan on the of {$480000.00} this was unconscionable. Additionally this loan has a balloon payment of {$350000.00} on the loan maturity date. There is absolutely no way they value of the home will every be worth {$480000.00} and there is just now way that the home will be value at {$350000.00} on the maturity date of the loan. Chase did this knowing that there is just no way out. Recently my loan was transferred or sold to XXXX XXXX  XXXX  who has decline to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: GA
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 got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX  DEPTEDXXXX. US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 and XX/XX/2019 my credit card was charged my someone else committing fraud. The total amount charged was {$1200.00}. I received a message alert when these purchases were being made and I replied that it wasnt me. After an initial investigation, JC penny said that I am responsible for these fraudulent charges. I have a JC penny credit card.

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 2019-09-03
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX, I started the process on refiling my income based plan and there is no way to file the paperwork electronically unless IRS data collection was configured when I was still a student and filing for FAFSA. Since I am in repayment I can't enable the feature that would let me file the annual form electronically. There is no excuse for a federal loan servicer to not have the ability to upload documents and forms digitally to expedite the process, especially considering the sensitive information that is sent via mail and preventing identity theft. 

The process is made more convoluted making it more likely for the deadlines to not be met.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXXXXXX  Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE 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 explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.

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 2020-11-05
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied to PenFed for a re-fi on my residential home on XXXX XXXX, 2020. Presently, I have received no confirmation regarding the status of my application. Closing had been scheduled but never approved. Despite many, many attempts to get a definitive answer on the status of my application, after almost 5 months, there has been no determination. My application is straight forward. The loan would replace an existing PenFed mortgage, the loan to value is excellent, about 40 percent, my income is more than enough and my credit rating is very good. When this application was made, I was told to expect a 60-90 day closing.

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 2019-09-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On around XX/XX/XXXX, I opened a savings and checking account with Citi bank. I received a letter to verify my address. I submitted a utility bill for verification. After a week, I was told that my account is locked because verification was not received. According to XXXX, they had accessed the utility bill but did not act on it. My account was shortly closed and I was told that my funds would be mailed. I have contacted Citi bank multiple times and have been unable to receive a response as to where the check is. It has been more than 14 business days since the check has been supposedly mailed. Each time I call for verification of the check, I am told that it may take 4-6 weeks where as initially I was told 5-7 business days and that it had already been mailed.

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 2021-06-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern I entered a consumer credit transaction using my credit card as defined in 15 usc 1601 ( l ) with Nissan Motor Acceptance Corporation in which a finance charge was involved. I asked validation on XX/XX/2021 through the mailing system with a green receipt and still till this date on XX/XX/2021 the debt has yet to be validated. An Affidavit that was notarized and cease and desist letter was also sent out on XX/XX/2021, and Nissan Motor Acceptance Corporation is still sending me bills concerning a debt that has NOT been validated. A CFPB complaint was submitted that they have not answered also. Nissan Motor Acceptance Corporation has threated to take possession of my car which was the result of a consumer credit transaction. Pursuant to 15 usc 1692g any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt. The Debt was not Validated through any form of paper work. They are violating my federal rights trying to collect on an alleged debt that has NOT been validated and have infringed upon my right to privacy by reporting false and misleading information on my consumer report therefore ruining my consumer reputation, character, credit worthiness and credit standing. I want to exercise my Right to Rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/19 I tried to freeze my credit report at Equifax, XXXX, and XXXX. The last two completed without any problems. Equifax did not complete. I had to set up an ID and password on MyEquifax, but I still couldn't do the freeze. I have tied many times to login, and every time I get a message saying " We can't complete your request at this time. Please call Customer Care Team, XXXX ''. It's difficult for me to communicate by phone because of XXXX  XXXX  and XXXX, so I attempted to use the Equifax chat line. When I explained the problem to the chat person, I was told to call MyEquifax support number. When I explained why that wasn't an option, the agent said the chat line could not help with MyEquifax problems. I think this problem could be solved quickly via email, but Equifax doesn't seem to offer that option. Today I requested an Equifax credit report and got it. I found some items that were not correct or shouldn't be on the report. I tried their online dispute procedure and ran into the same dead end. It forced me to login and then gave me the same error message noted above. I tried the chat line and got the same response which was no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-23
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a loan modification from XXXX  XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX, our loan was transferred to Seterus. This mortgage company is horrible to deal with. No monthly statements, billing, no credit reporting of " perfect payments '' for past 4+ years, no call backs, horrible customer service. We owe approximately {$320000.00} on our primary home that was loan modified. I pay monthly, religiously to a XXXX XXXX in XXXX XXXX. Very scary that I have no proper accounting of all of my payments for years!

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 2019-09-03
Company: SYNCHRONY FINANCIAL
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have requested that synchrony bank close my account months ago and on numerous occasions. I've even gone to the extent of explaining that I need the account closed immediately and a verification letter stating that the account is closed so that I can be awarded Vet and SSI benefits. Everytime I speak with one of their representatives they have some excuse or they tell me my checks are in the mail and then they never come. I have verified my address and other info way too many times to count. They have been not only dishonest but unethical in cancelling my requests, sending multiple notices stating that my address has been updated instead of my refund check and cancellation letter. They have even went as far as changing the phone number and address on my online account and locking it so that I don't have any access to get to my funds and transfer them out of the account. I am fed up with their lies and dishonest and my next step is to seek out legal action. What they are doing is unethical and illegal.

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