BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two credit cards with Citibank. A Shop Your Way Card and a Citi Diamond PReferred card. 

My credit limit on my Shop Your Way card was {$3500.00}. On XX/XX/XXXX I made a payment of {$2000.00} to Citibank because I am trying to pay down my debt so that I can improve my credit score. I have never been late with my payments for this card. On or abut XX/XX/XXXX, Citibank lowered my limit on this card by {$2000.00}. This in turn has made it appear as though I am using almost all of my credit line. This also has had a negative effect in my credit score. I have since made the following payments to Citibank for this card - XX/XX/XXXX - {$200.00} - XXXX - {$500.00} - XXXX - {$300.00} Regarding my Citibank PReferred card. The limit on this card was {$5400.00}. I have been making consistent payments on this card even though I am not working and worked to get this balance from about {$5300.00} down to {$4300.00} between the beginning of XXXX and now. On XX/XX/XXXX Citibank lowered the limit on this card to {$4500.00}, again making it appear that I am using almost all of my credit line. They are indicating that they are using information in my Credit Report, but they are the ones who are causing my credit score to suffer because of these drastic reductions in my credit limit.

I would like for CItibank to remedy this situation so that I can continue to improve my credit score. They are intentionally hurting my ability to improve my credit rating.

I believe they are also using the fact that I informed them that I was impacted by COVID 19 as a reason to lower my credit limits when in fact I have not missed any payments with them.

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 2020-08-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My mortgage was discharged on XX/XX/XXXX in Chapter XXXX Bankruptcy according to Chase Bank records. Chase Bank established an escrow account and I received an " Escrow account statement '' dated XX/XX/XXXX that would more than double my existing mortgage payment from {$1000.00} to XXXX. 
RESPA prohibits loan servicers from demanding excessively large escrow accounts. 
Case # XXXX was opened with Chase Bank on XX/XX/XXXX. 
I attempted to contact my Relationship Manager, XXXX XXXX XXXX, to eliminate or reduce the excessive escrow amount. I made my latest phone call to XXXX on XX/XX/XXXX. 
An agent at Chase Bank, XXXX, was not able to connect me to my Relationship Manager, XXXX XXXX XXXX to discuss. 
I spent an hour on the phone, much of it on hold. 
Chase Bank has not resolved the escrow issue to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card
Issue: Other

Complaint:
I need your support. I have XXXX credit cards issued in my name from Synchrony Bank. I am regular payee of all my debts and there has been never late payment charged. However both my account has been closed without informed me and without giving any justified reason. When called up the bank they informed me it account has been closed because of security issue. However they informed me any security reason. Also there has been no mail communication for said reason. Because of this my credit score has been degreed and these inquiry remain 2 years in my credit score. This is a mental harassment for me as I have been deprived. 

Request you to kindly help to get this sorted out with the bank.

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I contacted the Transunion dispute department on XX/XX/XXXX ) @ XXXX XXXX XXXX XXXX ), about ( 3 ) hard inquiries on my credit file I did not authorize my personal info for no new credit acct. I was told by Transunion agent that " they don't handle hard inquiries dispute, not in their league to probe unauthorized hard inquires on patrons credit file. '' Hard inquiries listed not valid below. 

XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.

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 2020-08-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 : USAA XXXX Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the USAA myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated.

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to USAA. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account.

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was XXXX. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a second home at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, a shore town that required flood insurance for the loan, which I did purchase according to the guidleines sent to me from the lender ( Greentree in XXXX XXXX, NJ XXXX. We settled on XXXX and now they are saying I need to purchase additional flood insurance to cover the replacement value of the existing property. According to what they sent me and the Federal guidelines I only need to have Flood Insurance in the amount to cover the Improvemets minus the land value, which is what I purchased. They are now forcing me to purchase more coverage ( the value of the improvements, with no consideration of the land value ) or they say they will purchase a policy and force me to pay for it, which will be much more expensive that me just increasing coverage. I feel they are pressuing me to purchase something I do not need to make them feel better.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Paying extremely high PMI for 11 years on my mortgage loan. I questioned the amount and have not been provided with any response as of XXXX/XXXX/XXXX. Also, Escrow amount seems excessive since XX/XX/XXXX and I am unable to reconcile what the increase is attributed to at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
To : Home Depot att Mr. XXXX Re : Deceptive billing practices From : XXXX XXXX XXXX XXXX Dear Sir, I wanted to write you to expose a huge deceptive practice I have recently encountered when looking into my Home Depot account. 



When I got my bill and saw the minimum payment I set up my XXXX XXXX XXXX online banking to pay my monthly payment to home Depot. In fact I paid an amount in excess of the minimum. Once I had this set up I did not visit your billing since I was on autopay. As luck would have it, I needed to check on one of my purchases. Well did I get a surprise and not a good one. 

I opened my statement and to my surprise I saw an interest charge. How could that be : I have set up auto pay, I was paying more than required. This was very disturbing to me so I called to follow up. 

What I learned was really bad!!! 

So even though the statement showed I had no payment due I was directed to the SMALL PRINT outside the billing information box. There I was advised is the reason for the interest charge and I was introduced to Promotional billing and Revolving charge billing. 

That is a highly deceptive process..statement shows nothing due and then the cleverly disguised revolving charges due. 

THAT IS AT BEST LESS THAN TRANSPARENT AND MORE ACCURATELY SMELLS OF OUTRIGHT DECEPTION. 

WHY NOT BE HONEST AND SEND 2 SEPARATE STATEMENTS : A-PROMOTIONAL BILLING B-REVOLVING PURCHASE BILLING I would like to hear your side of the story before I seek help of FINRA or other oversight agency. 



As a regular customer this is very, very upsetting. I will await your reply. 



XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Driven by Excellence! 

SERVING WITH INTEGRITY! 

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 2020-01-08
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX/XXXX is reporting incorrectly to Experian a balance due of {$680.00} on the XXXX/XXXX partial account number XXXX. ( Please see account information attached. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times to reach XXXX to remove this account from my name however, I have not been successful. This incorrect reporting of an account with a balance due, that does not belong to me, is harming my credit score. This line item needs to be removed from my credit report. I have also contacted the bureau to remove this line item however, I was not successful in that endeavor either.

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 2020-08-11
Company: Experian Information Solutions Inc.
State: CA
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 file disputes on XX/XX/2020 and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.

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 2015-07-08
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I am writing this to you to file a formal complaint about one of Pentagon Federal Credit Union 's Loan Officers, XXXX XXXX, XXXX XXXX XXXX. I filed a previous complaint, XXXX in which none of my issues were addressed because it was thought that I am a third party. I am in the process of selling my house. The prospective buyer was using XXXX XXXX to purchase my property. XXXX XXXX improperly issued a loan pre-qualification for loan # XXXX on XXXX/XXXX/15 with out asking the proper questions on the XXXX. He allowed this process to go for over two weeks before turning down the borrower. XXXX XXXX could have easily prevented this entire disaster by asking what number appeared on line XXXX and line XXXX of her XXXX tax return. This should have taken no more than 5 minutes to clarify the borrower 's income situation. Instead of XXXX XXXX acting in a professional manner, he allowed this loan to proceed for over two weeks. Due to XXXX XXXX 's incorrect pre-qualification, the loan that we used to accept the contract was un-able to be approved. This in turn caused me to not be able to settle on my new house. The delays of relisting my condo, losing my 60 day lock and and the cost adjustment I had to make on my purchase will cost me over {$9000.00}. By accepting Pen Fed 's letter and contract offer we turned away other potential buyers and now have to start the process all over. As a member of Pen Fed I find it very troubling that Pen Fed allows Mortgage Loan Officers to act with such disregard for the general public. His action are very troubling, as is Pen Fed 's policy to allow Mortgage Loan Officers to issue pre-qualification letters when they can not follow them up with approved loans. His mistakes have ruined my home purchase process, costs me thousands of dollars and destroyed my belief in our lending laws. I look forward to your response in this matter. I would like Pen Fed to answer the following questions : What is required from a borrower to issue a pre-qualification letter? 
Will you provide your guidelines for issuing a pre-qualification letter, a pre-approval letter and a commitment letter? 
Do you ask what numbers appear on line XXXX and line XXXX of the borrower 's XXXX during the application process? 
Did Pen Fed review the phone call to determine if the Mortgage Loan Officer asked the proper questions prior to issuing a pre-qualification letter? 
Did the Mortgage Loan Officer 's documentation in the loan file match what was on the recorded phone call? 
When Pen Fed improperly issues pre-qualification letters, are they responsible for the damage they cause as a result of those letters? 
Is it Pen Fed 's policy to turn over loan applications with false statements to the proper authorities to determine if a crime has been committed? 
If so, was that done in this case?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comenity Bank has called 5 times from the following numbers XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX I called at XXXX XXXX  XXXX spoke with XXXX and his manager. They indicated the number was marked as do not call XX/XX/2020. 

The person they are trying to reach does not live here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions 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 {$0.00}, {$1000.00}, {$130.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XXXX XXXX   XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -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 2020-08-11
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I make my application and they promise to get my refinance my home. they charge me {$500.00} but they never get my loan ... I called many times but they do not return my phone call.. I make my application over 2 months ago ... I request my {$500.00} refund but what i said before they don't return phone calls. 
First they offer me a loan for XXXX and then they modified to XXXX. I'm Agree all conditions but they never get my loan. 

Here is the name of the company ; AmeriSave Mortgage Corporation XXXX ID # XXXX Agent XXXX XXXX XXXX XXXX XXXX Loan Originator XXXX ID # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation