BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a wedding ring XX/XX/2016 with a Promotional Cero interest for 24 months. I chose the automatic payment option of {$530.00} a month since I knew it was going to be fixed until the account is pay off. Two months back, I realized I was being charge interest rate since the loan started. Its more than {$1000.00}. I have make several attempts for the past 2 months by calling and talking to different representatives with no results. In fact, they told me that in XX/XX/XXXX they were going to reimbursed me the interest charges. Its XX/XX/XXXX and I am still in the same position I was 2 months ago. I called 2 days ago and I feel they are giving me the run around. I need your help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Synchrony Bank is reporting a fraudulent account on my credit report. I have disputed this account with all 3 credit bureaus but XXXX  will not remove this account. Both XXXX and XXXX  has removed this account after disputing.

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 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see the attached. It has been more than 30 days and no response from no where regarding this FRAUDulent account reporting on XXXX. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX i got behind one payment, that was XXXX of XXXX i made my payment up to XX/XX/XXXX but still trying to repayment but was paying extra towards the payment i missed. XXXX i was denied a repayment but put on Forbearance plan over one payment. I had been sending extra so from XXXX and i was XXXX and XXXX i could not be that far behind the payment. But i broke the Forbearance and keep sending payments all the way till XX/XX/XXXX XXXX XXXX, XXXX up to XXXX in XXXX of XXXX they messed my loan up again when i looked i was 3 months behind, i ask what months they said XXXX, XXXX, XXXX i sent proof many times but never got credit and i no they got it. After paying for over year over one payment they sent into HARP, with XXXX balloon payment. I was down to 17 years left on loan. i owed XXXX close, then my loan was sent into HAMP that added XXXX plus what i paid for home XXXX come to XXXX so i lost everything i paid and more added. My XXXX payments are not correct and JP Morgan & Chase bank are aware of it but the loan was sold to XXXX they are debt collector not Mortgage company. J.P. Morgan Chase Bank to honor their written agreements with HARP, they broke the agreement when they sold my loan debt collector, Chase was one to service my loan it was not agreement to be sold debt collocation company in 3 months. JP Morgan was paid by the program it like taking the funds from Government then we keep it and he left XXXX. they get paid XXXX for the modulation and Fee 's by the program. forbearance agreements that violate the HAMP program guidelines ; and ... XXXX XXXX XXXX ) .it not in agreement. So the money for modulation and other Fee 's should be returned. Along with my Fee 's that caused my loan to be lost. over XXXX Corporate fee 's others Fee 's, before the Modification even begin. https : XXXX # XXXXn if you look at payments and i can send bank statements i just don't have them on computer JP Morgan owes me for XXXX. But they never replay or try to fix something they did on loan. it been long time and i am tired of messing with CHASE, i been lied to, and my XXXX payments was applied correctly. Like in XX/XX/XXXX XXXX made payment, called on XXXX for a scheduled payment for next month, they ran it as i was on phone never was payment i already made a payment, the loan in XXXX was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX 2 charges was posted on the account for which 3 fees of {$35.00} a piece was charged for a total of {$100.00}. One of the charges was for a {$25.00} transferee to savings! The other was to XXXX. Don't know why there was a third {$35.00} charge. I have been here before. Complaint # XXXX was filed on XX/XX/XXXX and in it I strongly objected to these overdraft charges and asked that they not be charged again. That was after a trip to the bank and having a discussion with the branch manager. But here we are again. DO NOT PAY ANY CHARTGES IF THERE IS NOT ENOUGH MONEY IN THE ACCOUNT! I was told that the bank does this as a benefit to me but the only one benefiting is the bank with these $ XXXX charges. STOP IT!!!! I even received a letter from the bank dated XX/XX/XXXX saying that if you do not want the overdraft service please let the bank know. Really? How many times do I have to tell 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 2020-07-30
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan modification done by Greentree/Ditech in XX/XX/XXXX My principal balance before modification was {$160000.00}. 

My principal balance after the modification changed to {$190000.00}, a difference of {$28000.00}. The modification states that {$28000.00} is of the new principal balance and that shall be deffered. 

Ditech added it to my new principal balance and deffered the same amount totalling {$56000.00} I have been paying my modified mortgage since XX/XX/XXXX on the principal balance of {$190000.00}, and am now down to {$180000.00}. 

Ditech included the {$28000.00} in to {$190000.00} ( my current payments ), and are still saying this same amount is deffered. 

{$190000.00} ( modified new pricipal ) plus {$28000.00} ( deffered amount ), totalling {$22000.00} for a house i have been paying mortgage since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: ROBINHOOD MARKETS INC.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I leant an older phone ( XXXX XXXX  ) to my cousin. All apps had been deleted. My cousin was able to download the apps again, including robinhood app, and access my account to execute 5 unauthorized purchases. I have filed a police report and been in contact witht he merchants as well as robinhood. They refuse to to accept responsibility that their app is not secure and that it allowed unauthorzed charges in my account. I was in Louisiana when these took place and the phone was in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: MO
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 asked the three major credit bureaus to verify info and delete. All three credit bureaus, Experian, XXXX, XXXX  have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.

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 2023-01-18
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The list down below has violated my Federally Protect it consumer rights to privacy and Confidentiality under 15 USC 1681. and would like these items removed off of my credit report immediately. 1.Santander consumer USA 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions Inc.
State: NH
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:
There is a mortgage account I had with USDA that was discharged in bankruptcy in XX/XX/XXXX and it still shows on my report. It should have been deleted. USDA instead, after my continued disputes, updated the account to show that mortgage was included in Bankruptcy in XX/XX/XXXX. The account has been re-aged and shows payment history, etc. from XX/XX/XXXXon. Please see documents I am including with my complaint that fully explains the ongoing dispute, with both USDA as well as Experian. Both parties are refusing to rectify the situation even though they know the information is inaccurate and should be deleted. USDA, as you will see, acknowledges the actual date of bankruptcy, i.e. XX/XX/XXXX as well as the fact that the mortgage was discharged, but still refuses to remove it from my account. The only data that should have been reported from XX/XX/XXXX on should have been a XXXX   balance and an IIB status -- which never happened.

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 2022-02-01
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Rocket Mortgage, LLC
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:
Quicken Loans. 
I was online looking at refinance rates and I filled in my name on their website, once I got to the following page where they wanted information from me to run my credit score I closed the window and didnt complete it. This was over a year ago and they have been doing hard inquiries on my credit 2-3 times a month ever since. 
Ive called them to stop but they keep asking me for important information that I dont want to give them and they simply refuse to do anything. On top of that I am bombarded with their sales calls which Im not sure how they got my number. There are thousands of stories about this when I search for it and I cant get them to delete me from their system even though I have no business with them whatsoever. 
I have had the credit companies remove some of the inquiries but I cant keep up with them. 

Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX   XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry TransUnion XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX Mor New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX Mor New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX  XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX California. The purchase price was XXXX. I had a mechanical issue with the vehicle on or about XXXX of XXXX, and made an appointment to get it taken care of, because supposedly the vehicle was still under warranty. The morning of the appointment, I waited out front of the building until my appointment time, and it appeared that the building was not open, so I went inside of the building, and was told that the dealership was closing as of that day, and the employees were just finding out. Later I see on the news that they were being sued by XXXX XXXX over fraudulent loans. Mind you that I had purchased a vehicle from XXXX XXXX in XXXX and had to file BK and the car was part of that filing. The BK was discharged, because one of the major creditors would NOT sign off on it, and took 6 months to say it. When the BK was discharged I called the lender to see if something could be worked out to resume payment, and was told I would have to pay the balance in full. I am now being sued for the balance of that vehicle because it was repossessed. The day it was repossessed, I went back to XXXX XXXX to get another vehicle, and got the one I have currently. Due to a massive loss of income due to Covid-19, I was falling behind and called the current lender ( Global Lending Services ), to see what arrangements could be made, I was told I could skip one payment, and they would place it on the back of the loan without penalty. I agreed to do that, and made the payment for the following month as scheduled, and found that they were charging a late fee and were not honoring the agreement over the phone, when I spoke to a representative, they couldn't explain what was going on, I asked to speak to a supervisor, was transferred to another representative after being placed on hold for 45 minutes, when they couldn't explain it, I asked to speak to a supervisor, and after being placed on hold for another 30 minutes, was disconnected. I am certain that there is some racket going on with XXXX XXXX and these lenders, I just don't know what it is. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
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, XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: National Recoveries, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A woman by the name of XXXX XXXX has posted my mailing address as hers and may possibly consuming my personal mail. 

Most recent mailing to my address and " returned to sender '' is from the following address : National Recoveries, XXXX XXXX XXXX XXXX XXXX, MN 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 2023-01-08
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ProCollect sent me notice that I and my wife and father owed {$13000.00} for breaking a lease and damages. However, ProCollect doesn't recognize a debt not owed. As you can see, XXXX XXXX clearly states she would allow us a 7 to give a seven-day notice with no penalties or fines. Apparently ProCollect doesn't follow the law as the letter specifically states this. They are going on something that doesn't exist. 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 2020-01-22
Company: Experian Information Solutions Inc.
State: WA
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 made numerous attempts since XX/XX/2019 with proof of ivestigations being updated on my Experian account that was listed by XXXX XXXX. XXXX has no information concerning this account and therefore XXXX  has removed this account. 

Yet somehow Experian has verified and updated the information, but really didn't change anything.

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 2023-01-19
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a promotion offer from Citibank to open an Accelerate Savings account between XXXX, deposit {$50000.00} within 20 calendar days, maintain this minimum balance for an additional 60 days, to receive {$450.00} bonus reward within 30 days. I opened my Citi Accelerate Savings account on XX/XX/XXXX, deposited {$50000.00} by XX/XX/XXXX, my balance has since always been above {$50000.00}, but after waiting the required 60 days plus another 30 days, I have not received the promised {$450.00} bonus. 
On XX/XX/XXXX, XXXX PST I called Citi and spoke with a representative named XXXX XXXX who verified that the promotional offer was attached to my account and that I qualified for the bonus. She filed a promotion dispute and stated Citi will resolve the matter within 15 days. 
On XX/XX/XXXX, XXXX PST, I called again and was told the dispute was submitted but takes 20 calendar days. The representative, Era, had no ability to apply my due bonus and the security team who does allegedly have the ability to fix this issue, can not be put in contact with me, the customer. I fulfilled all the requirements, also confirmed by Citi 's representatives, and should not have to wait endlessly for the bonus promised to me, dance through this bureaucratic ring-around, and make multiple calls to try to get my due bonus.

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 2020-07-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/2018 with a balance of {$11000.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$36000.00} -This is not my 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 2019-11-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was forced into a short sale in 2015 by wells fargo and would like for someone to look thru my paperwork to see if there was anything fraudulent done or signed.

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