BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Other

Complaint:
I have sent many disputes to the Credit Reporting Agencies and to Chase JMorgan in regards to the XXXX accounts that they are reporting in error on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that Chase JMorgan verified that these items are accurate. But it is ironic how Chase JMorgan will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Chase JMorgan. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello, I am writing as I deposited a Cashier 's Check, from my XXXX XXXX Bank Account, to Chase on Saturday. I was advised, by a Chase Supervisor XXXX, that the funds would not be available until Tuesday XXXX/XXXX/2016. I am confused as to how this is the case when a Cashier 's Check is easily verifiable by the electronic feed on the bottom aspect of the document. Subsequently, I am finding it a challenge to pay for necessary expenses such as : student loans, kid 's tuition fees, car loans, etc. I have been a Washington Mutual/ Chase bank customer for over 18 years. 
This has been a huge inconvenience for me. As a trauma nurse, who works the night shift, I have little time to tend to obtaining Cashier 's Checks and waiting for deposits to be credited to an account. As I wait for my direct deposit to resume, I am finding this to be a very difficult time for me. I would hate to sever my longtime relationship with your bank, however, this experience leaves me no other choice. It appears to me that Chase is no longer the bank for working professionals. I am sure many of my colleagues would be interested in knowing about how Chase treats their longtime customers. XXXX XXXX had a shorter hold period for a {$3500.00} pay check. In fact, they made {$2500.00} immediately available upon deposit. I refuse to believe that a bank, of which I have just begun a relationship, would be more accommodating. It seems more plausible to me to change my bank to XXXX XXXX, who happens to be my employer 's bank. I would just like to know how long it takes to release the funds on the Cashier 's Check, which has already been deposited? By the end of the month, Chase will no longer have to be bothered with my few dollars. This Morning I submitted an online correspondence to Chase bank, who responded with their deposit policy. Nonetheless, the money still has not been credited to my account from a Cashier 's Check ( which is considered as good as cash ). 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$370.00} XXXX   XXXX {$36000.00} XXXX  XXXX {$370.00} XXXX XXXX {$54000.00} US DEPT ED XXXX {$26000.00}

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 2022-05-19
Company: TRUHOME SOLUTIONS, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truhome solutions from XXXX ks. One year they failed to pay XXXX home owners insurance from my escrow account resulting in me nearly losing my insurance. I paid it from my personal account to prevent not having issuance. According to XXXX the bill was sent and payment never received. Last year I switched to XXXX XXXX XXXX which had a lower yearly rate and they sent the wrong amount out of my escrow account. They sent what XXXX was charging to XXXX XXXX  and the difference was about {$600.00}. This year I switched to XXXX and I paid directly out of my personal bank account. I contacted Truhome spoke to customer service informed them of new policy obtained an email address to send me policy advised them I paid in full and they only needed to file the new policy NO PAYMENT needed. I was given a new escrow analysis and refunded the overage at that time. After this, they turned around and sent XXXX payment from my escrow account. I got a refund from XXXX, had to deposit it and then pay back my escrow to avoid my payment going up about {$110.00} for XXXX. This company is HORRIBLE at servicing loans. Time and time again they continue to mess around with my escrow and make my monthly payments go up. At this point ( 3rd time ) I do believe it is intentional. I am requesting oversight by the government to look into this company and their practices. It would be very easy for this company, with their current fraudulent practices to create a delinquency issue for someone who hasn't been watching them closely. Have they done this to others? How many times have they failed to pay insurances allowing them to choose the insurance company? Are they receiving kickbacks from insurance companies in this practice? How many other accounts are they suspiciously fluctuating their monthly payment? How many of these cases resulted in foreclosure? These are some questions I have about this company. Please look into my case in particular and see if this looks odd to you. It has happened 3 times since they took over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CREDIT ACCEPTANCE CORPORATION
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2015-12-13
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Late fee

Complaint:
complaint about my Macy 's store start rewards card : There is no way I can connect with a person to talk about my dispute on late fee. the statement lists a phone number for customer service but it kept taking me back to start menu, after the message : all our customer service rep are helping other customers ... .. ''. I called again with a toll free number and it does not give a customer service option. I went to their website and a chat screen popped up thinking I can not figure out how to purchase. The person on chat said you have to wait till next billing cycle to talk to someone. I can not tell who this " someone '' is. when I asked send me the link to chat option so I can call to discuss my billing issue for late payment by one day, she said : " there is none ''. so I asked how do I find you again as you seemed to be the only one I can talk to and she said just click away and a window will appear but no option to find me. It sounds like scam to not allow customers to call to a person so they end up having late fees and finance charge. major credit cards are good to loyal customers and I am Macy 's customers for 10 years and can not talk to a real person. what is going on and what are my rights?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Account opened in my name XX/XX/XXXX XXXX Account closed by Bank of America 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 2016-06-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I contracted with a photographer in XXXX XXXX ; the photographer validly billed me on XXXX XXXX, XXXX, via my CitiBank card. I paid my Citi card bill on XXXX XXXX, XXXX. In XXXX, the merchant submitted a duplicate charge. I contacted the merchant ( by email ) and they agreed to reverse the charges. Something went wrong with that process ( the merchant claimed they submitted the reversed charge, but it did not come through ). I contacted Citi by phone and initiated a charge dispute, explaining all of the above. They sent me a form to complete " if providing additional information '', I did not have any additional information they would need, so I did not complete the extra form. They closed my dispute saying I had failed to provide the form. I contacted them AGAIN and read the wording to them that clearly says the form is only required when submitting additional evidence or information. Citi claimed however that the form is " required '' by regulation, and that I had to restart the dispute. I did this under protest, and they reversed the charge. However, since that time, and despite having emails from the merchant saying that the second charge is invalid ( a duplicate ), Citi has failed to resolve the dispute and continues to re-apply the charge, requiring me to continue disputing it over and over again. Citi is providing information from a third party ( XXXX the POS processor used by the photographer ) to claim the charge is valid. However, they are providing proof of ONE valid charge ( which both I and the merchant agree is the valid, initial charge ) and they have never been able to provide proof that the second charge is valid. Regardless of this, they keep posting the charge with each statement cycle, requiring me to keep disputing it. In my most recent dispute of the charge, I 've demanded that they permanently reverse the charge and do not post another. However, I am contacting CFPB to register a complaint about their handling of the dispute. They invalidly closed my initial dispute ; have taken far in excess of 90 days to resolve the matter ; and have accepted responses and " proof '' from a third party without ever contacting the merchant. They communicate with me by email but insist that I complete hard copy forms and fax them or scan them, and then indicate that my proof ( correspondence from the merchant ) is insufficient to overcome the proof they have on file ( evidence of only the single, valid charge ). I 've spent so many hours disputing this against my credit card company, when the merchant themselves admitting the second charge is invalid.

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 2022-05-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several dispute with XXXX, equifax and XXXX for a medical bill reporting on my credit report, and also my mortgage company XXXX XXXX XXXXXXXX reporting inaccurate missed payments. 
I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. 
My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in XXXX. 
I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
During Citigold checking account opening, I was offered XXXX Thank You points from Citi by using their promotional code XXXX. I met the requirements for the promotional sign up bonus and confirmed with the Citi representative more than one time and was told that I will receive the bonus Thank You points within 90 days. Around 90 days time now, I received a message from Citi saying I do not qualify for the points. I feel I was mislead during account opening.

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 2016-02-29
Company: CITIBANK, N.A.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We purchased this property in 2002. Recently we decided to sell the property and can not do this because of undisclosed liens that are showing. DMV is showing a lien that was charged off years prior to our buying this property.

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 2015-12-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Dear whom it may concern, Hello my name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I had my home loan with Chase Bank many years. After the subprime mortgage crisis our family experienced lot of financial hardship. Around XX/XX/XXXX, Chase Bank mailed to us an offer for refinancing with dropped interest rate. They said if I refinanced, my mortgage payments would be lower. At the time I thought it was a good idea so I applied. 
During the loan refinancing process I asked Chase a few times about any available government modification programs, and they said no, I did not qualify. They said that since my credit score was low could make 6.75 % to 5 % with 1 % point principal add charged, I did n't have any choice but to continue with the refinancing. 
After a couple month, we finished the refinancing process in XX/XX/XXXX, we unfortunately began to suffer financially even more than previous year. We were unable to make the mortgage payments for about 2 years. 
XX/XX/XXXX, we had a mortgage loan modification with Chase. When I asked them again about any government modification programs, Chase told me that I did not qualify because my loan was after XX/XX/XXXX. I said, but my original loan was from a long time ago and I did the refinancing because the bank told me it was the only option for lowering my mortgage payments. They told me my loan still did not qualify for government modification programs. Instead they could put us through Chase Bank modification program. 
We did not have any choice ; our family needed a place to live. 
Since the modification in XX/XX/XXXX, we have been paying the payments. 
I am a XXXX citizen. We are not a primary English language using family. I know now the government loan modifications started XX/XX/XXXX. It seems to me that the bank intentionally prevented me from benefitting from the government modification programs. They told me the only way for me to have lower mortgage payments was to refinance, but this only ended up blocking me further from government modification programs. 
I think my loan modification was unfairly settled up. I would very much appreciate if you could please review entirely my case, and help in any way you can. Thank you for your time and consideration. 
Chase Original Loan Number : XXXX was 6.75 % XX/XX/XXXX Refinanced Loan Number : XXXX current.XXXX % XX/XX/XXXX Modification 5.0 % Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: National Credit Adjusters, LLC
State: LA
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, has violated my rights. 

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

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My separated husband has opened credit cards in my name without my knowledge. I found out by reviewing my credit report. Several i am an authorized user and at least XXXX i am a joint user which means i am also responsible for the debt for which he created an is now in charge off. It is over {$14000.00}. I am trying to keep from filing bankruptcy so my credit will stay good. He is in the process of filing bankruptcy. I never had a credit card. He never told me that he did this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Chase card services had unfairly rejected my dispute of XXXX charges from XXXX XXXX for XXXX and XXXX billed to my chase credit card account XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. 
In the communication with me, chase employees have verablly insulted me and used XXXX. thus, i submit to you that chase 's action were an act of XXXX rdiscrimination against me. 

The XXXX charges in question were for the computers that I purchased from XXXX on XXXX XXXX, XXXX and then subsequently returned to XXXX. 
I have complied with XXXX return policy. however, chase refused to issue a credit Here is a timeline of what hapenned :. 
On XXXX XXXX, XXXX ie. within 30 days of purchase from XXXX, i have filled an appliction for return of both computers on dell website, per dell policy ( they require such application to be made withing 30 days ). 
But until now XXXX had failed to process those requests that I submitted and to issue me a RMA ( return merchandise authorization ) required for return. 
Their wesbite still shows that my requests are under investigation. 
I then contacted dell numeroud times, at first they did not respond but then in online chat with me dell said that they had a glitch on their website which caused my request for return to remain non-processeed but. Having admitted their fault, dell refused to authorize the return. 
I subsequently disputed these charges with chase. 
However, chase had refused to satisfy my dispute. chase sent me a response from dell in which dell stated that there is no record of return. in that letter, chase also informed me that dell had given to chase XXXX XXXX for my computers and address for return. 
I have called chase credit card service and was advised that I should send the computers to XXXX and then call back chase to confirm the return and then chase would issue a refund. 
I have now retured the computers to dell. I have a confirmation of dell receiving my computers by XXXX. i have called chase to inform them of this. However. 
chase still refuses to issue a credit and satisfy my dispute. Chase had also refused to acknowledge that dell had confessed that my initial request for return filed on dell wesbite had not been processed because of a glitch on dell wesbite, although I did send a transcript of my chat with dell to chase. 
I am attaching a transcript of my online chat with dell in which they admit that they did not process my request for return. i also attach copies of the request that I submitted to dell to return my computers in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have checking account that I allowed to become inactive. The bank charged me {$30.00}. a month for four months, totaling {$120.00}. I called the bank and they refunded half of the total. I believe that {$30.00}. per month is a ridiculous amount to charge for not writing a check. Is there anything more that can be done to get the remaining {$60.00}. 

Thank you for your advice and assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed