BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: MN
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 submitted an FTC report for all the documents listed on my report that I blieve are fraud due to multiple data breaches where my information has been exposed. I sent a copy of the report to XXXX, XXXX, and Experian and they have not responded to the disputes within thirty days and they have not taken these fraudulent items off my report

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 2019-12-18
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good Day, Citibank / Home Depot account XXXX Starting in XX/XX/2019 we have had issues with Citibank Home Depot Consumer credit services teams. I have had over 6 phone troubleshooting, supervisor escalations, and efforts with both Citi and Home Depot IT teams in efforts to " fix '' their problem. The payment situation was concerning promotional balances and payments not applied properly causing delinquent situation when payments were indeed made in plenty of time, AND requested ( on phone with a supervisor ) to be applied properly to avoid deferred interest charges. 
It is now XX/XX/XXXX and again I am now blocked from access to my account online, the customer service professional this morning was not able to get a supervisor, as they are not on duty during all the available customer access hours on phone! 
I am reporting https : //citiretailservices.citibankonline.com, homedepot.com/mycard, which is the collective of both corporations credit services teams for inability to allow continued access to my credit card account, to make timely payments to my account, and to get service on my issue. 
XX/XX/XXXX was hung up on by XXXX from Citibank XX/XX/XXXX XXXX able to assist in effort to resolve access issue, access restored XX/XX/2019 ( XXXX/XXXX-Supervisor ) Statement incorrect, shows delinquency and interest charges when payments were made from online access restored on earlier calls. Made payment XXXX only available option is by phone at this time ). 
XX/XX/2019 XXXX XXXX ) Assisted by getting Supervisor to remove me from review list ( outsourced credit card disputes ) and indicated my account was being addressed at that time to avoid further delay as I had waited the 2 billing cycles to see adjustment for interest charges. Again making Payment by phone as access is not restored to account via online. 
XX/XX/2019 received email indicating there was important message for me to read about my Home Depot Credit Card. AND, access is blocked once again, message to update profile, will not accept email provided. Called and spoke to XXXX at Citibank, unable to resolve, nor was able to escalate due to supervisor unavailable. 
At this time I am not able to access my account, and only can make a payment using a telephone. With history of incorrect applications of payment, I fear another situation where I get charged interest I should not be, and not able to SEE transactions on account. 
Message for those reading this complaint, DO NOT GET A HOME DEPOT CREDIT CARD, use another bank card that offers promotional balance offers instead! 
Please investigate this credit card group for inability to provide services to their customers and charging interest on purchases that have been paid in full. They are in breach of contract made when I purchased products.

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 2015-08-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This issue deals with Chase reissuing duplicate cards with chips. My old card ( w/o a chip ) had an expiration date of " A ''. I was issued a duplicate card with the same XXXX digit card number, CVV code and EXP. date as the non-chipped card. At some point after that I received another chipped card from chase with the same XXXX digit card number but a different CVV and Exp ( Exp. " B ''. I do n't recall getting this card as I have always used the card the exp. date of " A ''. On XX/XX/XXXX I attempted to make a purchase on XXXX which was delined. After the card was declined I called XXXX to figure out what was wrong. They said that some of the billing information did not match what the bank had on file. I resubmitted the information and went to dinner. I paid for dinner using the card with the exp. date of " A ''. Once I got back home I noticed that the card was once again declined and XXXX said that I needed to call my bank. I called Chase and they said that the card they had on file did not match the card I had in my possession ( the exp. dates and CVV were different ). I did n't know that I had the card with a later exp. date until after I hung up with the fraud dept at Chase ( I found it in a stack of cards ). They ensured me that there was no security risk because there had been a computer glitch and the card had never been sent out ( I 'm currently holding both cards in my hand ). The card was " scheduled '' to have been sent out in XXXX of 2015 which means from XX/XX/XXXX-XX/XX/XXXX I used an obsolete card. I was never notified over the 6 month period that it was possible that a card was missing or that someone could 've stolen the card out of the mail. I assume that the new card would have worked as well as the old. Meaning XXXX card number had XXXX valid exp. dates and CVV codes. Chase lied saying that the card had never been sent, something weird happened with computer and they are either unwilling to say or are unable to determine what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In the last month I have had {$80.00} +/- I have been trying to pout to use .... 
I have access to that money ( MY MONEY ) for LESS than two days total over the last month. It has been tied up PRIMARILY by my bank American Express Bluebird. Though two other entities have contributed. 
A refund from a merchant took OVER 3 days to get returned BACK into my account ... ..... 
I FEEL this PRACTICE is unacceptable, the AMERICAN CONSUMER NEEDS PROTECTION FROM FINANCIAL PREDATORS!!!! 

Just last week I ATTEMPTED to make a purchase, the merchant rejected it ... ...... 
my bank American Express Bluebird IS CURRENTLY HOLDING THIS MONEY ( MY MONEY!!!!!!! ) FOR EIGHT DAYS ... ... ....

CUSTOMER SERVICE WILL NO LONGER ANSWER MY CALLS PROTESTING THIS BEHAVIOR!!!!!!! the AMERICAN CONSUMER NEEDS PROTECTION FROM FINANCIAL PREDATORS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX IS REPORTING XXXX XXXX XXXX PLEASE NOTE IM A MEDICAID PAITENT IN NYS UNDER NYS LAW THE PROVIDER CANT BILL ME ONCE THEY HAVE TAKEN MEDICAID IF I DONT GET THIS REMOVED ASAP I WILL BE SUING

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX, XXXX, XXXX and XXXX I received a warning email from XXXX monitoring service set up thru XXXX. It notified me of credit inquiries to the credit reporting bureau 's. I pulled my annual credit reports and found XXXX inquiries had been made to XXXX and XXXX by Chase Credit. I could not pull my XXXX report since their database had problems. I then called Chase to question the request since I had not requested any credit or loan. They told me someone had requested an XXXX credit card using my info. The request had my name, a different address and different birth date. I asked them why they would request a credit report on me since the information did not match my profile. They could not or would not answer the question. I spoke with their fraud department and they told me to put a 90 day alert on my credit thru the credit reporting companies. After a second call a couple of days later, they said they would cancel the transaction. They also did n't have any record of a different address. I have since received emails and an XXXX credit card 10 days after the transaction should have been cancelled. If this was really fraud, why would the emails and card be mailed to me? After hearing of the problems XXXX XXXX is having I was very suspicious of this ordeal. Is this a result of someone trying to make their quota. I now have a credit card I did not request plus multiple credit inquiries on my credit report that could affect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Chase Bank and every year I get a statement of Escrow Shortage, thus making my payments higher if I do n't pay the full amount. The shortage varies each year from over {$600.00} to {$900.00}. I am current on all my payments since two years ago. My home insurance only went up {$24.00} and property taxes {$8.00}. Also, Chase calculates or predicts what my shortage is going to be for the next year. Hopefully the attachments of documents I sent can be retrieve. As I was looking at my statements it seems like I am constantly being double charged. This has be going own with me every since my mortgage was turned over to Chase. I have had different mortgage companies and do not remember any escrow shortage. Sincerely, " Sick of the shortage!!! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
Citi Diamond Preferred has refused to notify XXXX my Citi Bank ending in XXXX is a closed account. Have disputed at lease 4 times and XXXX  will no longer take the dispute. Nor will they show this as a closed account on my report.

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 2023-01-17
Company: Valor Intelligent Processing, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have received 2 phone calls at my place of business in their attempt to collect this debt. They have used a company that goes by " XXXX '' to attempt to collect the debt. The first time they called my business, I told them to send me correspondence by mail to my home address or call my cell phone. The second time they called my business I asked the representative not to call my business anymore. Instead of saying " okay '', she proceeded to argue with me for 3-5 minutes as other employees at my business overheard the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was awarded my Social Security XXXX by the Social Security Administration XX/XX/2014. I sent all documents to Navient and they decided not to honor the XXXX. I had been making my payments as best as I good and without a job I was dependent on my children and my husband 's Social Security. XX/XX/XXXX or XX/XX/XXXX, payment arrangements were made and I was given confirmation numbers. This servicer has the penchant for misplacing the requested documents. I supplied them with my award letter and the amount I get and on XXXX loan, I submitted a death certificate for my co-signer. Of late, Navient has decided they want more money, even after giving me the confirmation numbers. Navient is now taking {$240.00} a month. My SSI check is {$220.00}. Without my consent or knowledge, they took {$590.00}. Plus another {$50.00} for a " fee ''. That was an afterthought that XXXX XXXX XXXX decided on. .I am sick of the harassment and the humiliating phone calls. I answer my phone if I am not in a crowd of people. Sometimes I answer my phone when I am in public. I was not in the position to talk XX/XX/XXXX and asked the representative to call me back in about an hour or I could call him back. He became very irate. He screamed at me, " why did you answer your phone if you could n't talk? '' The harassment was so bad and my granddaughters were present. I had no choice but to just hang up on him. When I called him later on, he was very rude and irate again. He turned me over to XXXX XXXX XXXX. I am doing all I can do for this loan. XXXX XXXX told me they were going after my co-signer. He requested my bank statements and my mother in law 's certificate of death. I have supplied them with everything I have. They have no reason to go after XXXX XXXX. I supplied them very early on with a letter of termination from school where he was teaching. I do n't know what else to do. Any help or guidance you can give me would be appreciated. 
XXXX regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, XXXX XXXX XXXX is inaccurately reporting a balance of {$2900.00} and past due amount of {$480.00} on my credit report for an account that has been charged off since XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: NY
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:
Received information on line about the Equifax Data Breach and the consumer information from FTC Commission Consumer Information where it was outlined to go to the Equifax site to request a one-year free monitoring and other services to protect us from the breach. We filled out the request on line and tried to submit it and got a site error instead so it was not possible to sign up. We also understand that Equifax can charge a fee to put a security freeze on our account if we try that. This is preposterous since we are in this situation for something Equifax did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted XXXX XXXX XXXX about paying off my mortgage in full. I called three times, the first time on XX/XX/XXXX requesting written information about the payoff amount and procedure to follow to make payment in full. I was told each time that I would receive an email in days detailing the above information. I also sent a certified letter that was delivered on XX/XX/XXXX asking for written information about the process to follow in paying off my mortgage in full and the payoff amount. It is now XX/XX/XXXX and we have still not received anything in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents 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 2022-05-13
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Bankruptcy XXXX XXXX XXXXXX/XX/2017 Discharged Bankruptcy XXXX XXXX XXXXXX/XX/2017 Dismissed Bankruptcy XXXX XXXXXXXX Dismissed Bankruptcy XXXX XXXXXXXX Dismissed Bankruptcy XXXX XXXXXXXX Dismissed

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 2015-11-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I took line of credit from washington mutual on XXXX/XXXX/2015 for the purchase of second home that was supposed to be investment property.I had given XXXX as down payment for the purchase of that second home and that money was given to me from washington mutual as heloc.due to crisis in real estate the value of that proprety went down and I could not keep up with a payment.House went on short sale, chase took house.At that time due to all my hardship I applied to modify my line of credit that was only interest rate loan.Chase never wanted to modify my loan but always prolonging the process asking for the new documents and proofs.I was sending on regular basis papers.I had case manager XXXX XXXX telephone XXXX ext XXXX. I was calling him every week to check on my case.In my desperation of not moving forward I paid some legal adviser and helper Colleagues in law to help me facilitate this loan modification.Legal adviser did not do anything for me but stole XXXX dollars from me.In a meantime Chase put me for foreclosure and not only that I did not get help to modify my primary residence loan but I almost lost my primary home.I had to file bankruptcy and pay XXXX more to stop foreclosure on my first and only residence.Chase always stated that I did not send the needed documents or some other issues blaming me and never admitted that the reason they did not modify my heloc was that they did not have any financial interest in it because my XXXX mortgage with XXXX is current and value of the property went up and equity building in my home, perfect for Chase to take my home and help themselves instead of helping resident of Florida attacked by mortgage crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
JPMORGAN Chase refuses to conduct themselves according to federal regulation with respect to unauthorized/Fraud charges and have replied these charges to my account. 
On XXXX/XXXX/2016 I went online to pay my Chase C.C bill ( due on XX/XX/XXXX ). Noticed numerous unauthorized charges, could not locate my card. I called Chase reported and disputed these charges totaling around {$7000.00}. Chase removed them and conducted their investigation. XX/XX/XXXX billing cycle passed without news, XX/XX/XXXX billing cycle passed ( two complete billing cycles ) without news. On XXXX XXXX, the charges were placed back on my account. My balance prior to these charges was around {$4500.00}, now it is {$12000.00}. Further, Chase has decided to report that amount to the credit bureaus. I made several calls without resolution or an explanation. Therefore, in XX/XX/XXXX I requested the COMPLETE investigation file and all information Chase investigators used to come to their conclusion, but Chase refused to provide that file. Therefore, I sent Chase another request on XX/XX/2016 for the Complete file. 30 days passed and still no file. I made several more calls and finally received the file on XXXX XXXX, 2016, well pass the time allowed. Additionally, the file provided contains only receipts with numerous different signatures that do NOT match mine, and delivery information from XXXX confirming no signature was obtained. However, Chase and fraud investigator XXXX XXXX, continue to ignore federal policy. As of today XXXX XXXX, all charges continue to be on my account, I have filed disputes with the credit bureaus and Chase has verified the balance of {$12000.00} as accurate. I will be filing a lawsuit on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: DISCOVER BANK
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a reassertion regarding case number XXXX. 

The response from discover was the following : The document provide from XXXX XXXX regarding the fraudulent account has an account number the last 5 digits of XXXX ; however, the balance transfer was completed to an XXXX XXXX account with the last 5 digits of XXXX which is associated with you. 

Response ONE : I had called Discover Consumer Protection Services ( XXXX ) on XX/XX/2018 at XXXX PST calling to prove that the account ending in XXXX did in fact NOT belong to me. This was proven via a conference call with XXXX XXXX account protection services. This was a DIRECT statement from XXXX XXXX. The call duration was 34 minutes and hopefully was recorded on your end. 


CONTINUATION OF THE CASE : I had called again on XXXX XXXX and had spoken with the investigative team and the person assured me my case was still being looked into.

Discover then sent a letter on XXXX XXXX and was delivered XXXX XXXX stating that because there was no new information no further investigation was necessary. However please note on XX/XX/2018 I had provided proof through a 34 minute call with Discover Fraud Services as well as XXXX XXXX that account XXXX DID NOT in any way belong to me. In fact the card was closed long ago to the point where even XXXX XXXX could not give any other information. 

I had even filed multiple credit cards ( including yours ) with identitytheft.gov. There were 3 other cards opened in my name, ALL of which were deemed fraudulent and closed in a timely manner without any penalty. You are the ONLY company yet to provide adequate resolution or reasoning.

Company response to consumer: Closed with explanation