BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
I spoke with  XXXX  representatives from  Chase Auto Finance  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  Chase  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from Chase showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An escrow refund check in the amount of {$200000.00} was issued and sent to me by my loan service provider, Lakeview Loan Servicing , LLC on XX/XX/XXXX. I never received the check in the mail and notified Lakeview Loan Servicing on XX/XX/XXXX that the refund check was not received and requested for a reissue. I contacted their customer service multiple times. I made at least 7 phone calls to the customer service line and was told each time that the check is in process of being reissued but until today, XX/XX/XXXX I have not yet received it. Every time I call customer service, they keep telling the request for reissue has been submitted and I should receive it shortly.

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 2017-04-29
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX  I received a debt collection for a debt I do n't not owe for  XXXX  from  Southwest Credit. I called Sourhwest an d spoke to representative stating I do not owe this debt this account was removed from my credit in  XXXX  and added back on without my knowledge. I disputed this debt with  XXXX  and included receipt from  XXXX  for cable equipment that was given back to them and was picked up by a  XXXX  Technician on  XXXX . The representative told me to fax the receipt to them which I did and this debt is still showing on my credit as an open account. No one has contacted me in response to my fax on  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Balance transfer fee

Complaint:
Citi Double Cash Card Last 4 digits XXXX. Phone : XXXX. 
Name : XXXX XXXX Address : XXXX XXXX Al XXXX PH XXXX There was a credit balance on my card ( citi bank owes me {$53.00}. ) I was owed this money for XXXX months and citi did not take any steps to refund me. Citi sent me blank check, I used XXXX check to get my funds Citi was illegal holding without interest. I wrote a check for the amount {$53.00} and deposit it to my account. Citi paid the check but charged me a fee of {$5.00}. There was no notice or info on the check that a fee would be charged. I want Citi to refund me the fee of {$5.00} and interest for holding my money {$53.00}. I called Citi customer service on XXXX/XXXX/2016 but citi refused to refund me the {$5.00}. Solution : I want Citi to refund me the {$5.00} and appropriate interest for holding my fund.

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 2017-04-29
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I applied for th e SCRA be nefits for my chase card in  XXXX  and was denied because I lived in new Jersey which is not a community property state. I feel that this is unbelievable. My husband is  XXXX   XXXX    XXXX   XXXX   and been  XXXX . Its just crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made payments totaling {$1000.00} on XX/XX/XXXX. My card balance was only about {$500.00}, so I paid more than what I owed. My bank shows the {$1000.00} was removed from my account on XX/XX/XXXX. On XX/XX/XXXX, Chase stated that they will not give me any credit for those payments until XX/XX/XXXX even though they have received the funds. They say this is because a previous payment did not go through because it was mistakenly made from the wrong bank account. I understand not crediting my card until they actually receive the payment, but there is no justification for withholding credit after the money is received. When I spoke to a XXXX at Chase by telephone to fix the problem, she told me it was a new policy and abruptly hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card
Issue: Other

Complaint:
I opened an account with Synchrony Bank/Lowes. My limit was set at {$1500.00}. I used the available limit and then made payments on the account bringing it down to {$1100.00}. I recently paid the balance down to {$800.00} dollars. After I made the payment they reduced my credit limit from {$1600.00} to {$840.00}. However they reported the credit limit decrease to XXXX credit bureaus but failed to report the correct credit balance which significantly affected my credit score resulting in the denial of a loan. So it currently states on my report that I have a credit limit of {$840.00} dollars with a balance of {$1200.00}. I contacted them prior to them reporting and they told me that they would ensure that my balance information would be reported correctly. They did not. I have paid my account consistently on time. They violated my trust with their unethical account practices.

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 2015-11-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX/XXXX/14 I opened an account with Synchrony Bank through a furniture company called XXXX XXXX. The loan was for {$2000.00}. The application was done by phone in the store by a representative from the furniture company. I was approved and bought the furniture. What I did not know is that this was a promotion with 0 % interest for one year, then after one year the interest jumped to 29.99 % on the unpaid balance. So, now I owe $ XXXX in interest on a {$2000.00} loan and I will never pay it off at this rate. I have been paying for over a year and I still owe MORE than the original loan amount. How can a private bank like Synchrony be allowed to charge so much interest? Other " promotional '' offers on other credit cards such as XXXX XXXX, etc. charge half of what Synchrony is charging. This type of bait and switch should be stopped!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
Company: Leaders Financial Company
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Due to XXXX XXXX and health problems I contacted loan company about vehicle they agreed and were happy to take van back which they sold for {$1000.00} dollars more than I owed. After the sale they added a {$40.00} charge to my credit account and refuse to let me pay it they intentionally are hurting me its a crime. They continue to report a charge off every month 4 years later refusing to let them give them {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have not been able to resolve an issue with Ally Financial car loan and I would like it removed as it 's reporting to the XXXX and negatively affecting 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 2021-03-21
Company: Andrews & Cox, P.C.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX a financial institution has violated the following U.S codes U.S.C 15 U.S. Code 6801 - 6809 and did not adhere to the FDCPA ( Fair Debt Collection Practices Act ) guidelines. 
by providing my personal and private information to a third party debt collector Bleecker Brodey & Andrews who has filed suit against me in the county I reside without providing me a validation of debt per my request, intentionally providing false, deceptive documents to the XXXX County courts in order to legally obtain a judgment against me for a debt that has not been established as my own and differing amounts requested to resolve the debt. I have received a document requesting an amount with the addition of {$190.00} USD in filing fees which does not coincide with the balance stated to be owed after speaking with the agency which contacted me, I have been unable to receive any documentation/ paperwork from the third-party debt collector XXXX XXXX is using, the accounts listed in the court summons I have received are not that of my own. As of XX/XX/2021 I have still not received any literature from my validation of debt request and have since disputed the alleged balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX 2015, I was visiting XXXX ( XXXX ). I took a taxicab there, from the center of the city to my hotel. This should have cost not more than {$20.00}. The taxi driver insisted that I pay by credit card, took my credit card and returned it to me. I did not sign anything. Shortly thereafter I was told that the driver had in fact charged {$510.00} for the ride. 
On the very same day I called the credit card company ( Barclaycard from Barclays Bank Delaware ) to complain. 
They said that they would look into the matter and would let me know. Three months later, ( as of XXXX XXXX ) they are still charging me for it. They claim that they talked to the merchant and he insisted that it was a legitimate charge, and that they can therefore do nothing about it. They sent me a copy of the voucher, with a signature that looks nothing like mine. 
I have talked to the people at Barclaysbank Delaware at least XXXX times. They always say that they will look into it, but never do anything about it. I have sent them a handwritten letter, but they do nothing about it. 
I want everyone to know about this. These people would rather take the word of some taxi driver in XXXX than mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Rocket Mortgage, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
During the Covid 19 Relief Program. We were out of work. But, I never missed a payment not one month in 2020. Rocket mortgage reported that I did not make a payment from XXXX - XX/XX/2020 on my credit report and brought my credit score down 100 points. 

I asked specifically would it affect by credit and will it still be reported. They promised that it would still be reported and it would not affect my credit. But, it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was told I was getting a loan to pay for XXXX that I could pay off within 12 months with no interest. Then I found out after missing several payments that it was in fact a credit card. I was clearly mislead. I talked to the company, CareCredit in XXXX to clarify the situation and they told me my credit would not be affected, but they had already report my XXXX " missed '' payments to credit agencies. I talked to XXXX peope at CareCredit and they said " tough luck '' in a pretty rude manner. I asked to speak to the head manager, but they have not had the decency to call me back. 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 2016-07-21
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls on my cell phone while I 'm at work from Synchrony Bank in regards to my Walmart credit card account. I XXXX 6 days/week and I 've told them to stop calling me while I 'm at work. I told them when the best time to call me, but they still keep calling and I have no time for this while XXXX. I told them that if they kept it up I was going to file a complaint. I know this is a violation of my rights and they should be told to stop.

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 2021-03-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The Treasury/IRS sent {$1400.00} stimulus money to my Wells fargo checking account XXXX on XX/XX/2021. Wells still has not credited my account. I would take this directly to OCC but they say their site is down ( possibly inundated with Wells complaints ). 
Thank you, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received a letter saying I owe {$770.00} to XXXX. I settled this as outstanding amount about 4-5 years ago with this company that is trying to recharge me again ( Convergent is the company ) Im not paying them a dime when I have all the evidence I need I paid this amount and Its cleared. This company should be closed for good trying to steal peoples hard working money!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Once I paid this debt the Wells Fargo agent agreed to take the bad debt off credit report. The debt is still on my credit report and it is affecting my credit score.

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 2015-04-28
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card
Issue: Other fee

Complaint:
XXXX ring credit card offered as 0 % transaction fees .... False. Charges 1 % but only states after you apply. .... Fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2020, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has been almost four months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!

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 2016-08-17
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Application processing delay

Complaint:
I asked Citi Bank executive response unit to delete their inquiry off my XXXX credit report because I wanted a business credit card not a personal credit card & they used my social instead of my EIN. 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 2021-03-21
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
the bank took my funds due to 2 XXXX {$1400.00} XXXX deposits coming in on XX/XX/2021 that were third party deposits. they didnt only freeze the 2 deposits they said were against policy they took all of my money in the account, the XXXX that was in the account before the deposits were put in the account. That money didnt come from a third party deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Toyota Motor Credit is erroneously reporting to the three major reporting agencies - XXXX, XXXX, and XXXX  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to Toyota Motor Credit and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. Toyota Motor Credit have failed to rectify this matter. Numerous phone calls have been placed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CITIBANK, N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
lack of accommodations for dual XXXX XXXX  Title 22 CFR 51.1 and 51.2, 31 CFR 800.224, 31 CFR 800.253 - U.S. national. 12 CFR 1002.2 XXXX r ) ( z XXXX See attached credit discrimination letter.

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 2015-09-27
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other

Complaint:
My previous case was case # XXXX. I received a letter stating the negative reporting would be removed from my credit report within 10 days. It has been more than 10 days and I now have a reporting of late payments two months in a row when I recently received a statement from Macy 's indicating I actually had a credit on my account as of XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I use XXXX XXXX on-line banking to pay my bills. XXXX of the payees is for a Citi XXXX ending in XXXX. In the last several weeks, I requested XXXX XXXX to obtain e-billing from Citi for this credit card. This request apparently allowed Citi access to my on-line banking account. When I checked my on-line banking account on XXXX, I discovered that the information regarding card ... XXXX was missing, and it had been replaced with another Citi XXXX ending in ... XXXX. In addition, all summary information ( monthly payment info ) for card ... XXXX was now missing. However, the summary info for card ... XXXX now contained the information that would have been correct for card ... XXXX. 
I should stress that I am receiving billing statements from Citi only for card ... XXXX. I have never applied for or authorized card ... XXXX. 
It is my belief that card ... XXXX is a ghost card account opened by Citi without my permission or knowledge, similar to that which XXXX XXXX was recently investigated for. I have contacted Citi requesting all applications or other paperwork regarding card ... XXXX. The request to Citi contained the complete card number for ... 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