BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-19
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a CitiBank platinum select card that had a yearly membership fee of {$95.00} XXXX. The terms of CitiBank states that the account can not be converted or closed until the full year has elapsed and after being charged the following year 's membership fee, you are then able to issue a conversion. After I have issued the conversion ; which was done two days after the fee processed, I was promised to have the full membership fee refunded after 60 days and after the conversion is fulfilled. After a period of 45 days, the account was then processed for a pro-rated refund. I called CitiBank and had spoken to XXXX and XXXX ( unique ID : XXXX ) of the Maryland office and they both provided me with false information stating that I would only receive a refund if I REQUESTED the conversion within XXXX / XXXX ( Differing answers between representatives ), which I did within two days. CitiBank has a conversion period of 45 days for any credit card and will promptly at this point, steal, a portion of the refund. With hundreds of thousands of credit card users, I believe that this is against the law, and that this bank is laundering funds. In essence, the process was as follows : Membership fee processed XXXX, Processed conversion XXXX and was informed of full refund within 60 days and that the conversion may take 2 weeks with a letter stating so, I have not received a letter nor the card I requested by XXXX I noticed a refund on my account processed XXXX. That is a span of 53 days that I was forced to wait and CitiBank processed a partial refund because I was " outside of the XXXX ( depending on the representative you speak to I assume ) period ''.

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 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX continue to harass me about a debt that I have no knowledge of. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this. Not only this, they called asking for my XXXX year old son and when I told them that my son was only XXXX the man replied " there 's no way that 's possible. I 'll find a better number to reach him at. '' They hung up on me and continued to call multiple times after that.

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 2016-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After repeated dispute attempts to provide validation of debt in collections. Credit reporting agency has not validated debt information for the collections debt portion placed on my account.after i have disputed several times. I have not received validated proof of debt. Please help to resolve.

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 2021-04-15
Company: Experian Information Solutions Inc.
State: PA
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:
Disputed XXXX XXXX credit card account via credit bureau as fraud. Sent letters to XXXX XXXX  asking for them to validate ownership of this account on two separate occasions with the last letter sent on XX/XX/2021 and both times XXXX XXXX failed to show proper documentation to show ownership of this account such as signed contract agreement of this account. When attempting to call XXXX XXXX on this situation they were not able to verify, find or pull up this account in their system. This account was placed with a third party debt collector and that account has since been removed from my credit report as this account was fraudulent and a result of identity theft.

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 2016-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed XXXX public records of bankruptcies showing on my TransUnion credit report. TransUnion responded with investigation results of " verified, no change. '' California Federal Courts do not report bankruptcies to credit bureaus. An employee looking at their computer screen, seeing my name listed in an Internet database is NOT verification or validation of any alleged bankruptcy. TransUnion can not provide me with any viable evidence of verification or validation of these bankruptcies which is a violation of my rights under the FCRA.

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 2016-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called Transunion in ref to invalid inquries on my account that I did not authorized that were removed and then the reappeared on my account without notice. I referenced the glitch that they had and was not able to get any assistance because she stated hey were valid. I asked her to provide me proof of the information proving it was valid and she declined to provide.

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 2016-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I received my credit report on XXXX on XXXX/XXXX/2016 and items was removed than added back on without a 5 day notice. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX, XXXX. Also, I asked them to send me information on how they did their investigation and a person name but never received and answer its have been over 60 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 2015-10-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
hello my name is XXXX XXXX and I am having an issues about some of the collection filed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my card was copied and used at an ATM to deposit XXXX {$500.00} checks and a withdrawal for {$200.00}. I saw these transactions the next morning on XX/XX/XXXX and immediately called because my account had been closed due to the fraudulent activity. I was told that the deposit and withdrawal had been declined and that they would reopen my account. The next morning on XX/XX/XXXX I see that the deposits had in fact bee removed but they had gone ahead and approved the {$200.00} withdrawal even though there were no funds in the account and knowing full well that the account had been compromised because it turns out that they reopened the card the day before when they deactivated my account after having spoken to me. It is now XX/XX/XXXX and my account is still in the n fatigue because they are declining my claim for fraudulent activity because " a debit card transaction can not be fraudulent ''. I was told for two weeks of daily calls that they were going to get this claim taken care of and the account credited for the {$200.00} but kept blaming their inability to do so on an " international glitch '' that was allowing me to see the credit. I have been hung up on at least a dozen times, called stupid, transferred to other departments in XXXX so I do n't understand and I can not get anybody to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Billing statement

Complaint:
Hello, I had a balance on my Chase XXXX credit card carried over from a prior month. During the month of XX/XX/XXXX I made {$1600.00} in cash advances. I then made a payment before the end of the billing cycle for {$6000.00}. Chase did not apply any of the {$6000.00} toward the cash advance. They applied it to the balance that was on the account at the start of the billing cycle. They claim that the cash advance would have to carry over to next months statement before the additional payment would be applied. So if I had waited XXXX more days to make the payment, they would have applied the payment to the higher apr balance. This is not the way I thought the law was written to protect consumers. I read it that it is applied to the highest apr balance first ( nothing mentioned about billing cycled ended ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Banks are not being fair about charging fees to an individuals account. I have several transactions going in and out of my account. I have several overdraft fees on my account. WHY do they allow transactions to go through when i dont have money available? Is that so they can grab XXXX $ from multiple hard working citizens ... I want all of my overdraft fees returned. I call customer service but thats hardly what it is ... they just treat you like another number and pass you around or just say im sorry my system isnt allowing me to reverse anything. Again why do transaction go through when i dont have money available. I have allot of transactions on my account and if you dont want to lose my business and that taking my account and credit cards to other companies, you reverse all my fees immediately. IF not i will go to the Attorney General and OCCs office along with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I ALWAYS pay my credit card bills IN FULL plus some amount to cover estimated charges between bill issue and payment. Chase VISA does not make interest income off my account except when they can manufacture a " gotcha. '' On XXXX I paid Chase {$7500.00} for XXXX Visa charges. Because I was going on an extended business trip XXXX, I pre-paid my XXXX Visa bill of {$8500.00} on XXXX. The gotcha? Due to " billing cycle policy '' I was charged {$180.00} late fee " because no check was received in XXXX. '' So, after forking over {$16000.00} to Chase Visa in XXXX, {$8500.00} in PRE-PAYMENT, I receive a late charge for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: JPMORGAN CHASE & CO.
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Starting on XXXX XXXX, I began receiving Secure/Confidential emails from a Chase bank representative into my secure message center with CHASE bank that were intended for OTHER CUSTOMERS. I promptly reported this to Chase and they never followed up or returned my call until after XXXX complaints and a call to my local branch Manager, between XX/XX/XXXX & XX/XX/XXXX I have received confidential communications for these XXXX other customers, XX/XX/XXXX - XXXX XXXX CASE # XXXX XX/XX/XXXX - XXXX XXXX CASE # XXXX XX/XX/XXXX - XXXX XXXX CASE # XXXX I believe the information I was provided is a breech of customer confidentiality and CHASE will not follow up appropriately. I also have concerns regarding my personal information as I never received a message on the disposition of my own reported issue? 
CHASE CASE # 's XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: JPMORGAN CHASE & CO.
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
VERY URGENT! I set up a checking account with Bank One in XXXX XXXX. With this kind of account I had been told that if I keep a minimum balance of XXXX USD it will be free of charge - meaning my monthly service fee will be waived ( see explanation on statement ) .Received statements from Bank One until XXXX XXXX to my address in XXXX and a letter in XXXX to sign and return to keep it active what I did immediately. Received letter in XXXX signed and returned asap. Received letter in XXXX included a new VISA check card from Chase XXXX which I ca n't use in XXXX XXXX. This is how I got informed that Bank One now became Chase Bank. I received NO other information! Received letter in XXXX signed and returned asap. The balance on this document had been the same balance since XXXX! Got a letter in XXXX with a new Chase Visa Check Card. In XXXX XXXX received again a letter to sign and return what I did asap. On this statement my balance showed an amount less than the statement before. Unfortunately I XXXX could not take care of such matters. Now I XXXX will travel XXXX in XXXX XXXX. I called and emailed to Chase Bank in XXXX XXXX to find out why they had started taking monthly fees of my account all of a sudden without informing me of everything. 
XXXX ) I did not get any serious information that Bank One had become Chase Bank. 
XXXX ) Then in XXXX they just changed my account status and started charging me with monthly fee of XXXX $ on my bank account. 
XXXX ) I did not get informed by Chase Bank about any changes until my call in XXXX XXXX! 
XXXX ) I did not sign an agreement for changing my bank account status with Chase Bank. So they made unauthorized transactions. 
XXXX XXXX The amount on my account has dropped of nearly half the amount I did put in the account XXXX ( without me taking any money out from it XXXX. 
This is why I am writing to you. I have included a time schedule report about my activities to Chase Bank. I did not get any response on my complaint but received a letter from Chase Bank end of XXXX XXXX instead, informing me about their " Additional Banking Services and Fees '' which really does not help me at all. Also you will find copies of documents I have received from either Bank One or Chase Bank. 
I will travel XXXX in XXXX XXXX and would be happy if the matter could be solved by then because I do n't know when I will have to opportunity to come back. And probably I have to do anything about my account " personally '' in the bank office XXXX meaning taking money off or deposit money ) because I am living XXXX and this is why I want to have the total amount back I owed when I set up the account by this time and the problem solved. Hopefully you can help me. Thank you very much in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Twice in the past 18 months JP Morgan Chase has without cause reduced the credit line on all of my Chase credit cards to within {$400.00} dollars of the current balance, all at once. This XXXX incident they did n't notify me in advance. Their actions has caused my ratio of available to used credit to artificially skyrocket, cause my XXXX score to plummet to a level where I 've been declined employment, my auto insurance rates have increased and credit is unavailable to me at an affordable rate. I 've never been late on a payment to Chase or any other creditor. This behavior is criminal. For those of us making the effort to repay our debts and not file bankruptcy, financial institutions like Chase make it virtually impossible to do so. They are

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I notified Chase that I did not wish to have any contact with XXXX, their rep changed my due date from the XXXX to the XXXX which will never work, but Chase claims it is my fault. I ca n't catch up this at this time which they were notified of. My credit has been affected by this, I advised the due date change came from AES not me, I can lose my job over this and plus I have a medical bill to pay. I want my courtesy credit report due to the fact that XXXX changed my due date. I CAN NOT CATCH UP THE ACCOUNT AND IT IS NOT MY FAULT THAT AES CHANGED THE DUE DATE, I do not want my letters or phone calls from XXXX or Chase on this loan because they know why it is late because I them numerous times. I have spoken to XXXX on XX/XX/2017 and XX/XX/2017 to see if my due change was done, I was told it can take up 7-10 business but the account was current when I asked for the due date change. The XXXX does not work with my budget and it is going late. I feel that AES is misleading me again, I ca n't continue to have 30 day marks on my credit report which is preventing me from applying to higher paying opportunities, my mother was helping me but she had to have XXXX and was on medical leave for 6 weeks to recover. I dealt with XXXX on this issue before and they did change the date. This is the only creditor that I have that is giving me a hard time about changing the due date, when the rep on XX/XX/2017 put in my due date I was never given a time frame. I called back on XX/XX/2017 and then I was told the due date change my not go even though the account was current at that time. This means my account will go past due again. XXXX is dishonest which is what I have been trying to tell Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been paying chase bank monthly for one year yet they still show on the credit report that no payments have been made. In addition, one year prior to this was their delay not mine in " waiting '' for 6 months to pass once my XXXX mortgage was modified ( after a job loss ). They then took several more months to decide not to modify and I was forced into a one year repayment plan which concludes this month. The excessive time taken by their slow churning big business wheel severely impacted my credit score. Despite requests monthly to report accurately that payments have been made, their response was " that 's the way it is done at chase '' I have been unable to recover from the credit score horror chase bank has caused and have been severely punished in every other form of financial service needed, such as car loans, credit cards, etc. Paying exorbitant rates because of this credit score. Please help me fix this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It was a great hardship for me to get a loan modification from JP Morgan Chase in 2012. They service my loan in my name, but the property this loan is on is in a XXXX Trust for my daughter, XXXX XXXX, who is XXXX. They refused to give us a hardship HAMP modification solely on the grounds that the property was in trust. SO we had to serve Chase Lawyers. Finally after two years, we were given a HAMP mod in 2012. Unfortunately, Chase did not keep their agreement to keep our loan payment affordable. They only lowered the interest rate a portion of a percent. Then in the years to follow they have increased the payment by over {$200.00} a month, making it too high for us to pay. The reason they gave was that there were " mistakes '' made on the escrow account. They have done this twice and despite numerous letters asking for explanations they have refused, only saying it is was a " mistake ''. This year I received a notice from the Tax Assessor in XXXX XXXX County, saying that a " fine '' was attached to the property. I called and talked to them. They said the fine was to be paid by CHASE, not by me, and levied because Chase failed to notify the tax assessor of the modification. Chase however, attempted repeatedly to claim that I was the property owners responsibility. We got a chase supervisor on the phone and conference called the tax assessor and they repeated that it was Chases debt to them. Chase said they would remove that from our escrow account, but I do not believe they ever did. We believe this is against the law, not to mention and incredible abuse of power, committed against and elderly man and his XXXX daughter. We are seeking to have our mortgage reduced back to its original amount and Chase is not saying again they can not do that because it is in trust. It is outrageous. And we are well aware that the small increase in our property tax this last years could in no way account for the drastic increase in our payment. We desire to have our payment modified or reduced to the original amount and that any increase be justified as related to our financial burdens alone, such as increases in tax and insurance ( which has not increased ). Any mistake that may have been made are not our responsibility and must be adequately justified. My XXXX daughter is recovering from XXXX, she has XXXX. Moving her now may XXXX. XXXX. She is very ill and it is highly damaging for her to be put in this position by this bank. Please help us to get our mortgage lowered to its original rate or accomplish a modificatoon and get explanations for the increases. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On or around XXXX XXXX, 2016 Westlake Financial pulled my XXXX consumer credit file. I did not authorize Westlake Financial to pull my credit on behalf of XXXX XXXX

Company response to consumer: Closed with explanation