BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello I am extremely concerned about a closure of my accounts from Chase. I am not sure if this is a mistake or some misunderstanding but I am very confused to what exactly is happening. On Friday XX/XX/XXXX I went to purchase XXXX medications for my parents and I was unable to make this purchase. I called chase and after 2 hours on the phone I was told that my accounts were closed due to some concerns the back-office had on their end. I was not called about this, I was not given any notification of the closure, nor was I told why this was happening. 

Let me state that I never ever missed a payment on any of my cards and paid these accounts in full. My credit report will show no delinquent payments ever on any of my cards. I was initially confused by the closure however I have reason to believe that Chase may have acted inappropriately and illegally in this manner. The week prior to the closure ( XX/XX/XXXX ) I informed chase that I would be buying gifts for friends and family for XXXX. I did my due diligence and informed Chase was informed of this uptick. Most of my spending was done at the local mall, XXXX, and XXXX XXXX XXXX  XXXX. Less than 6 days after this phone call all my accounts were closed. I had made no other contact with the bank, my purchases were in-line with my normal spend pattern, and chase had no reason to suspect any illegal/suspicious activity ( since I had told them what I was buying ). The only new information chase had at this time was my religious affiliation. 

I called up and down chase 's telephone tree and recieve no concrete response as to why. On XX/XX/XXXX I  called the compliance office and I was told by an individual named XXXX XXXX that " Chase is a multi-million dollar corporation and we dont make mistakes '' Wow! He refused to look into what happened and refused to transfer me to a supervisor. I learned today that this is the same department that went through with the closure. If this is the level of disdain an individual is working in the regulatory department at the bank, what guarantees does anyone have that laws have not been broken? I offered chase a criminal background check for work and offered to show ability to pay - however they refuse to change their decision or even conduct a proper review. Chase records these calls at all times. 

I do believe this is a violation of Equal Credit Opportunity Act. Let me also add that chase refuses to provide additional information into the closure - simply stating that they have the right to close an account at any time and do not have to provide a reason why. This doesnt hold true if laws are being broken. Let me also add that chase has been accused of predatory practices to minorities in the past as early as this year. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The problem is from XXXX. 
We have this Macys account with a balance of {$900.00}, my husband issue a cashier check for {$900.00}, and it was applied to the account. According to Macys the payment was reversed and the cashier check returned, but it was not returned to us. I have a receipt of the payment and letters sent to Macys, while the research was going on, I continue paying the account up until XXXX and then Macys placed a derogatory in my credit report. 
I called Macys corporate and according to them, they are not handling the account anymore, and can't do anything about it, Macys will not tell me who I need to talk to and resolve this issue. 
Cashier check issued on XX/XX/XXXX ( I have receipts ). 
XX/XX/XXXX sent a fax to Macys payment research dept. 
XX/XX/XXXX Macys sent a letter that they were investigating and will notify with the resolution. 
XX/XX/XXXX Macys sent another letter to contact customer service. 
We have make lots of calls to XXXX talked to different persons and recently to XXXX. 
Hopping it will be finally resolved.

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 2019-07-17
Company: Ocwen Financial Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2019 XXXX and XXXX dropped my credit score by XXXX points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from Ocwen to PHH and is reporting my loan as a new modification, this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XXXX 2017, Bank of America sent me paperwork stating my loan was eligible for a recalculation or recast. I 'll add attachment to this complaint. I received paperwork, signed paperwork and sent back to BOA. BOA stated they received early XXXX 2017.
On X/X/17 I called BOA to check on changes to my account for the recast because paperwork stated it would be on around XXXX 2017. Representative state she did not know why I have not received paperwork to finalize and she would escalate the matter to have notarized paperwork sent. I never received anything. On XXXX/XXXX/17  asked about recast paperwork and when I would receive. Representative stated request would be made and will be sent me me within 48 hours. Believe I spoke to a person by the name of XXXX, she stated she re-sent request or recast to be sent to me and copied her manager/management. Still received no information from BOA. On XXXX/XXXX/17 I called BOA and representative stated my loan was not eligible for recast! If you see on attachment for eligible credentials, I have all of them!!!!! My loan is current, has been in good standing for years, and all incentive would be applied to my loan.
BOA should not be able to notify you TWICE with recast paperwork ( received attached paperwork twice in the mail from BOA ) and then state I was not eligible.

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 2022-05-02
Company: EQUIFAX, INC.
State: VA
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:
Last XXXX XXXX, 2021, I sent out my dispute letter to you and its been over 5 months now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive already spoken to your customer service department about this. They seemed a little put out that I have to use a relay service. Anyway, the person told me to refile my complaint. So here it is, AGAIN. I never received my original card and PIN number and there are lots of unauthorized ATM transactions on my account. They are ...
XX/XX/XXXX {$23.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$120.00} I have received my replacement debit card and PIN number. According to whoever I spoke to, the PIN number is the original PIN number they sent out. It showed up on my front door step a couple days after I received my replacement debit card. And it looked like it was already opened. The replacement debit card was delivered by XXXX. The PIN number looked like regular mail but wasnt in the mailbox.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Trans Union is reporting lots of inaccuracies in my report. I have been sending letters to since XXXX Transunion - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120Days and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Didn't receive any notice that I even owed any debt from what looks like 2 collection agencies listed on my credit report. Asked for verification of the debt from the reporting credit bureaus as I believe those collections are on there in error. Last contact with was via letter asking for them to validate the debt. Those letters were mailed XX/XX/2021. I haven't received any verification of the debt from the Credit Bureaus but got a responses that the accounts were verified and the disputes have been closed

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 2017-10-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax, XXXX, XXXX, have, too many incorrect information, included, in my credit, file, wrong, account, balances, unauthorized, hard inquiries, from unknown, sources, i made too many attempts, to, ask them to, investigate, correctly, and, fix, my credit file, but, they keep on ingnoring, my requests, and, continue, to, damage, my, credit, file, evry, account, needs to, be, investigated, to, fix, the correct, balances, and, every, unauthorized, hard, inquirie, needs, to, be, investigated, correctly, because, is, been, a, lot, of, fraudulent, activity, going, on, my, credit, file, lately, but, they, dont, seem, to, care, causing, damages, to, my, credit, constantly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: All State Credit Bureau, Inc.
State: MI
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:
We paid this account XXXX weeks ago. It has cleared and posted to our bank and everything. The company XXXX instructed us to dispute the account once payment was cleared as paid and they would remove it from all reporting agencies. We did this on XXXX recorded lines ( ours and the companies XXXX. We have done so and the company responded that a balance is still owed and the account is still reporting. At this point we are not disputing anything we would just like it removed as promised since all funds have been cleared and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: SYNCHRONY FINANCIAL
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:
There are quite a few hard inquiries that I didnt request/submit, here are the names of the companies for the inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX Syncb- XXXX XX/XX/XXXX Syncb- Walmart XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My correct name is XXXX XXXX XXXX My correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, Ga XXXX There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I initiated disputes with all XXXX CRAs in XXXX XXXX. The dispute with Equifax still has a status of " pending '', now almost XXXX days later. I have not been notified of any result and I do not see a way to follow up with them about it - the " Contact Us '' link on their web site does not even work when I click it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am in receipt of two letters from Portfolio Recovery Associates, LLC dated XXXX XXXX,2017. This letter claims that I owe Portfolio Recovery Associates, LLC. On both letters Portfolio Recovery Associates, LLC are representing themselves as the current creditor of these accounts from XXXX XXXX  and XXXX XXXX in the amounts of XXXX and XXXX. I am filing a complaint because Portfolio Recovery Associates, LLC are representing themselves as a creditor but Portfolio Recovery Associates, LLC has never extended any type of credit to me. I am asking that Portfolio Recovery Associates, LLC verify that they are in fact a creditor and that they have extended credit to me or delete these listings from credit report. They also have included two different amounts for the XXXX account in the amounts of XXXX and XXXX. Im asking that the verify these amounts as well. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We were told that our equity loan of 10 years with interest only monthly payment was to expire and that we would need to pay both P & I for the next ten years, {$2200.00} per month. When discussed with the bank they suggested we wait till the first payment due and then request a modification which we did. ( see attachments for correct dates etc. and communications ) on XX/XX/2018. at the bottom of the form it stated we would have a result in a week, well we tried and tried to get an answer and finally after threats to them got a refusal for a modification based on insufficient income in XXXX. 
My wife and I have been customers of T D Bank for over 40 years with all our accounts there, never missed a payment to them for anything. we have no other debt but for monthly credit cards and all paid in full each month. our credit ratings are XXXX for each of us. 
Understand we accept the fact that they could do this refusal. it is amazing that they would think that we could pay {$2200.00}. but refused to give us a extension for the interest only loan with a payment of some {$600.00}. P/M. We did make 2 of these {$2200.00} dollar payments just to keep our credit rating while waiting for an answer to our request which we should have had by XX/XX/XXXX, 5 to 6 days per their modification document. Finally in XXXX they refused to give us an extension or a new loan with interest only. My wife became very sick over this and worried about the destruction of our credit ratings. 
We went to another local Bank and were given a loan in 2 days to pay off T D Bank. This delay and refusal should never have happened this way and should never happen to any others with like conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is not about my ability to pay. Rather, I believe this credit card, a TCF Bank Visa issued by First Bankcard of Omaha, is intentionally misleading cardholders through the Minimum Payment Due language. 

The stated Minimum Payment Due amount is always higher than the payment shown in the Minimum Payment Warning chart that shows how much time it will take to pay off the balance if paying the minimum payment as opposed to making a payment of another amount. 

So, for example, the Minimum Payment Due amount on my latest statement is {$74.00}. According to the Minimum Payment Warning chart, if I make only the minimum payment ( and make no additional charges, ) I will pay off the balance in " about ... '' 5 years. However, If I make no additional charges and want to pay off the balance in 3 years, the amount I am advised to pay is {$62.00}. 

One can not make a lower payment and pay the balance off in less time, obviously. I believe this misleading and incorrect information has been provided intentionally to manipulate people into making less than the minimum payment. I have spoken to the company about this and never got past " Oh, I see! That IS strange. I'll take this right to my supervisor! '' This practice has gone unchanged since the very first statement I received from the company back in XX/XX/2017.

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 2021-12-09
Company: Experian Information Solutions Inc.
State: DE
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:
Didn't receive any notice that I even owed any debt from what looks like 2 collection agencies listed on my credit report. Asked for verification of the debt from the reporting credit bureaus as I believe those collections are on there in error. Last contact with was via letter asking for them to validate the debt. Those letters were mailed XX/XX/2021. I haven't received any verification of the debt from the Credit Bureaus but got a responses that the accounts were verified and the disputes have been closed

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