BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
I, the consumer and natural person, was denied credit by American Express when I applied for an American Express XXXX XXXX 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the adverse action letter I received which is included with this letter.

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

XXXX : XXXX  / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i had submitted a complaint and sent info in 2012 against a predatory mortgage but never heard back. it was CitiMortgage, the address was XXXX XXXX XXXX XXXX. we lost that home and no one has ever contacted us, please call me @ XXXX XXXX XXXX. They told us we would be on a priority list.

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 2022-04-09
Company: Grain Technology, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, I received an email to log on and verify my information. I attempted to do this, but immediately received an error message. As an result my account was restricted and Im unable to use it. I immediately contacted support and customer service, but they provided NO assistance! I have reached out several times about the system not allowing me to verify me information and still no assistance has been provided. They always send the same scripted message. Now, my credit score is impacted because it will shows I am using all my available credit with them. They also charged me {$100.00} annual fee for a card I can no longer use because of an error caused by their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As per [ Case number : XXXX ], When PHH mortgage Stated in a letter to the Attorney Generals office ; XXXX, that my mortgage was paid in full, on XXXX XXXX, 2016. And where they stated to you people, " Consumer Finanical protection Bureau '', in a email, mortgage was paid in full. To this date, XXXX XXXX, 2016, I have not received the escrow money that is due me for the taxes and insurance, in the amount of : {$2700.00}. They did not send any money to the Tax collector, XXXX, Pa. XXXX. Tax Collector XXXX, Phone # : XXXX, nor to the Hazard insurance Company, XXXX, XXXX., XXXX, Pa. XXXX. XXXX phone # : XXXX, in XXXX 2016. My understanding is they had 30 days after pay off to send my Escrow money back to me. Again, I reiterate, we are now in XXXX 2016, three months later. 
On XXXX XXXX, 2016, My attorney, XXXX, from the office of ; XXXX, sent PHH Mortgage a letter asking for the Escrow. The letter was to no avail. No response, nothing. The letter was completely disregarded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been calling and emailing Chase Mortgage daily. 
After 4 hours yesterday I did get through. Despite the federal government guidelines, they are NOT offering deferred mortgage payments. They will only waive the late fee for 90 days. 
I lost my job, as did my XXXX adult children. 

They won't explain what happens, but say I will owe all the past due payments in 90 days. 
This is not what the news about deferred mortgage payments are saying. The news is saying homeowners will be allowed to defer payments. 
Chase Mortgage company will not!! 
Please help. 

They complained about all the incoming calls, I said if they would do the right thing maybe everyone would not need to call. I asked them to keep me updated if they make a decision, they said they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Credit Karma, LLC
State: CA
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:
Credit Karma, a company I am a subscriber, represented with my current score of XXXX I could obtain a XXXX Credit Card to consolidate my debt and obtain reduced payments with its issuance. Credit Karma never disclosed that XXXX Card would be using a Hard Review of my account, nor did XXXX Card contact me to achieve my permission to do so. It short, they ran my Report, turned my request down and it showed up on my Credit Page as an Disapproval with the subsequent action of the other Two Credit Agencies lowering their scores on my credit. This all occurred without any change in my Financial Status as I have NOT missed any payments in over 275 months according to my record. I saw that the FTC was fining Credit Karma {$3.00} XXXX Dollars. I am requesting a Remuneration of a portion of those funds for my Personal Credit Damages. I would also like to suggest that the XXXX Credit Card be Fined for NOT notifying and obtaining permission to run the credit of potential card users. Thanking you for your continued help and over watch on Companies who continue to take advantage of the unsuspecting. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: CITIBANK, N.A.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On  XXXX   XXXX ,   XXXX  , I consolidated all my student loans held with various lenders through   XXXX    XXXX   XXXX   XXXX   (   XXXX   ) .  XXXX  of these loans were originated with  Citi Student l oan in the amounts or {$2800.00} and {$4500.00}. On the date of refinancing, the Citi student loans had balances of {$2000.00}.  XXXX  and {$3300.00}.    XXXX  disbursed payments in full to Citi Bank on  XXXX   XXXX ,  2017. I  received copies of the cancelled checks showing that Citi Bank deposited the check for {$2000.00} on  XXXX   XXXX ,    2017 and  the check for {$3300.00} on  XXXX   XXXX ,  2017.    At the beginning of  XXXX , I started receiving letters and e-mails from  Citi Student loan say that  my loan with a balance of {$3300.00} had been transferred to  XXXX   XXXX  for loan servicing. I tried contacting  Citi Student loa n, but that contact no longer worked since Citi ceased servicing of all student loans. I contacted  XXXX  to inform them that both loans were paid in full. I also contacted  XXXX , who confirmed that the payments were indeed made to Citi Bank.   I received copies of the cancelled checks from  XXXX  on  XXXX   XXXX  and promptly e-mailed the cancelled checks to  XXXX  customer service at  XXXX  XXXX  XXXX , as instructed by a  XXXX  supervisor. However, I continue to receive harassing phone calls about a delinquent loan from  XXXX . I received a letter from  Citi Student lo an on  XXXX   XXXX  saying that my loans were paid in full, and I immediately forwarded that letter to  XXXX  on the same day.   Today I received a letter from  XXXX  saying that they checked with  Citi and  the loan balance of {$3300.00} was not paid. I immediately called  XXXX , who initially claimed that they did not receive my e-mail with copies of the cancelled checks showing full payment to Citi.   I spoke for over a half over from  XXXX  central to  XXXX  central with  XXXX  customer representative  XXXX  ID  XXXX   XXXX . After repeated request,  XXXX  team lead  XXXX   ( I D not given ) confirmed receiving both the  XXXX   XXXX  email with the cancelled checks and the  XXXX   XXXX  email with Citis letter confirming payment. Yet,  XXXX  refuses to close 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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.

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 2022-09-01
Company: U.S. BANCORP
State: OH
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:
In XX/XX/XXXX I took a credit card with US bank, US Bank XXXX XXXX SIgnature Card, at the XXXX OH XXXX USA branch for two reasons : 1. Although I have been a customer of US Bank for 14 years I was told I would be charged a monthly maintenance fee that could be avoided if I had a credit card with US Bank 2. That I could make a balance transfer from another credit card that would remain interest free for 12 months from the time of issue and as long as I made a minimum payment I would not be charged interest. 
When I spoke to the manager of US Bank XXXX OH branch whom issued me the card I was told that if I made purchases as long as I paid these off I would not be charged interest. 
I took the card with a balance transfer of approximately $ XXXX. 
Every month I purchased small amounts, of approximately XXXX or XXXX dollars and paid back a sum that was well in excess of this to ensure I was paying back for these purchases and also paying off the balance transfer. 

On XX/XX/XXXX I started seeing interest charges on this account that continued every month ( XX/XX/XXXX : {$13.00}, XX/XX/XXXX : {$9.00}, XX/XX/XXXX {$7.00} ). I then called the helpline for the card at approximately XXXX XXXX  on XXXX to find out why I was being charged these amounts despite the fact that I was paying pack way in excess of the purchases- {$100.00} on XXXX, {$250.00} on XXXX, {$250.00} on XXXX, {$600.00} on XXXX, {$150.00} on XXXX, {$1000.00} on XXXX - ( so that I could also pay back the balance transfer amount ) and it was many months before the interest-free period on the balance transfer expired. After speaking to an agent I was put in touch with her supervisor " XXXX '' who said that as per my agreement a portion of the paid amount would go to pay back purchases and a portion would go back to pay back the balance transfer. 
When I took the card I was never told this and was told that as long as I paid the amount needed to cover any new purchases there would not be an interest charged. 
I would also suggest that to any reasonable person it would seem quite obvious and fair that if a customer pays off a credit card it should be either made clear how much will go to pay for recent purchases and how much would go to the balance transfer and how much he or she would need to pay to avoid interest. None of these were revealed when paying off the card through the online website.

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 2022-07-18
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/20. 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 2015-06-02
Company: Alorica Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company is West Asset Management. They have called me several times, and each time they ask for a different person. I have been told XXXX times that they will take my number off of their list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: WI
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:
Reached out to all 3 bureaus multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was getting at least 4-5 calls a day for about 5 months, due to my continued debt.

I did understand that I did owe this money, but for the 5 months I wasn't working I could not afford to pay this bill, and have contacted them since then to let them know about my no job situation. I have a least 3 different numbers that i can provide to show how many calls/people were contacting me due to this balance. Although I have been a long standing customer of Victoria Secrete and have always paid my credit card for the past 4 years I have had the card, before the balance got this bad. After it reached this company due to my debt I had a very unprofessional and aggressive conversation with a individual that was threatening to take me to court if i did not resolve this matter that day. There should be phone recorded conversations of this call. I will be providing the company name and numbers that have been calling me. 
XXXX XXXX XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is not my debt, it is apparently the debt of a former employee. I should not have received 51 calls on an office phone between XX/XX/22 and XX/XX/22. 
These calls originate from : Capital One ( XXXX ) XXXX and XXXX ( Apparently XXXX XXXX, at Capital One ) This is a community college chemistry lab, and I do not care, AT ALL, that a former employee owes them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to the Fair Credit Reporting Act 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 has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a credit reporting agency can not furnish a account without my written instructions.

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 2022-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance Bank of America is reporting to the credit reporting agencies is incorrect. 
I entered into a forbearance program which ended in XX/XX/XXXX. When that ended, I was told the loan was current and I could resume payments under the normal terms of the loan, which I have done. But, they entered me into a program, called XXXX STANDARD MODIFICATION TRIAL PLAN without my knowledge, causing my credit score to drop XXXX points. I was told that would be removed from my credit report, and it hasnt been. 

When I entered the forbearance program, my loan was current, and the balance was XXXX. My most recent statement dated XX/XX/XXXX has a balance of XXXX. Bank of America is reporting to the credit agencies that my balance is XXXX? 
I disputed this via XXXX, and was notified the information is accurate. Its not. Please help 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 2022-09-01
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm taking every route possible chime bank since I disputed hundreds of dollars in fraudulent transactions has denied repeatedly my claims and refusing to help refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: Alorica Inc.
State: MT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am not sure if my loan is federal or private. when I received the loan in 2001, its was explained to me as a federal loan. Now according to the Government I owe them nothing, and my loan has been given to a private lender/collections company. I was contacted once by this company, then I was sent a letter telling me that my wages will now be garnished, at 15 % to 25 % or {$430.00} a paycheck. after looking over the paperwork they sent me, there is no judical signature, which tells me it has not been approved by a judge. I am will to repay this " loan '' without all the taxes and penalties and to original loaner. This company ignored my request to know who they are and where they are located, until I called them directly off the notice that was sent to me. They offered a settlement of XXXX in cash .... after I badgered them on how to get me out of this " garnishment '' then they gave me other offers, and requested ( I did not provide ) my credit card or debt card information. They said they could only send me the information, and the garnishment would go on until the courts gave a verdict, and they said the courts are only available in XXXX ( I live in Montana. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: SYNCHRONY FINANCIAL
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I was made aware of a potential fraudulent double charge on my credit card on XX/XX/XXXX. Synchrony bank called me to alert me. I had not been to either store or location when told about the charges. They immediately closed my card and began investigation. I was alerted three weeks later that they denied my claim saying I potentially benefitted from the transaction. I immediately called to speak with a supervisor and we discussed the purchases, locations of purchase and times of purchase. I have never been to XXXX Georgia nor those stores which I mapped were in the same shopping center. They agreed there was not a proper investigation and reopened the fraud claim on XX/XX/XXXX. However, on XX/XX/XXXX I was notified with a letter that said it was denied saying I potentially benefited, participates or Authorized the purchase. Again I did not purchase anything from XXXX XXXX for {$190.00} not XXXX  for XXXX. I only use an app for XXXX and it is linked to my XXXX  not this MasterCard.

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 2022-04-09
Company: Experian Information Solutions Inc.
State: WI
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:
Reached out to all 3 bureaus multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.

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 2017-02-06
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last month I filed a complaint against Caliber Home Loans regarding my payment for XXXX. My payment was finally processed but now they have not credited my account for my XXXX payments for my Principle, Interest, Escrow and addition principle I have paid. They processed my XXXX payment and those amounts are showing on my online account but all of XXXX is missing. I have attached paperwork with what is showing as of XXXX/XXXX/2017 and what the totals should actual be. I want this resolved ASAP! I have sent numerous emails and all have gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: CURO Intermediate Holdings
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for this payday loan in XXXX of 2014. I borrowed XXXX. At least I thought this was a payday loan. I told them I received my pension on the first of each month. I have been paying XXXX a month for an entire year. So far I have paid XXXX dollars on this loan with only XXXX going towards paying off the loan. I did not know this when I took out the loan. I am on a fixed income right now and this is destroying me.

Company response to consumer: Closed with explanation