BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase Cr edit Card is posting a total statement balance to include charges that are not yet posted to my statement. Exampl e : Let 's say last month I had a balance of {$95.00}. I paid the credit card company {$50.00}. The next month I have a balance of {$3700.00}. I know that I bought one plane ticket, but the charge for this is not shown on my statement. I just have the {$3700.00} total. Nothing is displayed for the charges. Certainly anything that is posted does not sum to equal {$3700.00} ( obviously, in one month I do n't have enough interest to have such a balance ) You can see how this type of billing  could cause confusion for a customer. How can I keep up with if my bill is correct without seeing which charges have posted?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
CITI CARD DOES NOT CARE AT ALL THAT THEY SEND ME OVERSEAS AND WHEN IT COMES BACK THAT I CAN NOT HEAR AND MY ADA ADVOCATE ALSO TOLD THEM NO OVERSEAS. WHEN IT COMES BACK I CAN NOT HEAR THEM. IT IS SO BAD. FLORIDA OFFICE IS JUST AS BAD AS OVERSEAS ALSO. THIS HAS BEEN TOLD TO THEM SO MANY TIME. THEY DO NOT CARE. THERE IS NO BANK IN THE AREA TO GO TO AND I AM READY TO CLOSE MY ACCT DUE TO BEING FOUGHT WITH OVER AND OVER TO HEAR. 
I CAN NOT HEAR WORDS HE IS SAYING IN FLORIDA AND HE WOULD NOT TAKE IT SERIOUSLY EITHER, IT REALLY WAS THAT BAD AND THIS IS NO LONGER FUNNY OR A JOKE AND I AM SO TIRED OF CALLING BACK FOR HOURS JUST STRAINING FOR HELP AND GOING OVERSEAS AND TO FLORIDA WHO DO NOT CARE AT ALL. 

MY ADA ADVOCATE XXXX TOLD CITI CARD TO NEVER SEND MY ACCOUNT OVERSEAS OR TO FLORIDA AND STILL IT IS HAPPENING, I CAN NOT HEAR OR UNDERSTAND. GET IT OK.

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 2022-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15U.S.C. 1681.

Equifax is govern by 15 U.S.C. 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 U.S.C. 1681 : i have the right to privacy and i did not give Equifax written permission to furnish these accounts : XXXX. XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX XXXXXXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft someone has inwuired to XXXX nut it was not me they say they can't move it even thought it's identity theft So if they were viven credit I'm suppose to pay it also this a fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Have twice now disputed an incorrect missed payment to Experian regarding a car I traded in in XX/XX/XXXX. My credit report states that I missed a payment in XX/XX/XXXX. I have provided them with proof of the trade in date and they are claiming my documents don't meet their standards. The document provided is the receipt of trade in/ purchase of a new car given to me by the XXXX XXXX with the visible date of XX/XX/XXXX. It is impossible for me to have missed a payment on XX/XX/XXXX. The car was XXXX 's and I was no longer responsible. I honestly don't know what else I could give to them to show them I did not miss a payment.

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 2016-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
the company XXXX ( not trans union, XXXX.XXXX ) reported wrongful inquires on my bureaus. XXXX and XXXX of XXXX please these XXXX individuals misused my credit XXXX-inquireies

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 2017-03-24
Company: Media Collections, Inc
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This company has been harassing me. They call anywhere between 3-5 times a day and make threats of legal action and has used profane language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
tried to activate renewal by phone with number on card. all i got was a bunch of personal questions and then offering a cruise plus fee. could not get through to activate card. finally called tel. no. on my bill and it was resolved..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: CITIBANK, N.A.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Citibank charging non-authorized fees to checking account

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 2021-12-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding HSBC Mortgage loan # XXXX I have spoke to XXXX different people at HSBC requesting information be sent to me and have gotten XXXX different answers. 
I am asking for the last 3 years ( up to current ) payments made on above mentioned loan. The bank is saying that they wont e mail it or will only send it to the address that the loan is for. It also isnt available to me online. 
My ex wife lives at the address ( she is also on the loan ) but I am still 1/2 owner of the property. I obviously can not receive any mail at that address and the bank refuses to send the information to my apartment address ( listed below ). I gave the bank written permission to send me a copy ( by e mail ) of a letter they sent to the loan address regarding forbearance and they e mailed me that info 3 months ago BUT they refuse to send me a copy of payments made claiming they cant e mail this info. They also refuse to send it by usps mail. This is not the nuclear codes its simple payment info. I answer all of there security questions when I speak to them so there is no reason that they cant e mail or regular mail the info I am requesting. 

My info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX Property info for the loan is : XXXX XXXX XXXX XXXX XXXX NY XXXX This house is on the market for sale and my attorney is requesting this information. The house cant be sold without my attorney having this information so there is a time crunch for the info. Your help is greatly appreciated. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a telephone call from Credit Collection Services advising of an outstanding balance owed to XXXX, in the amount of {$1900.00}. I have a written statement advising of same. I instructed them that it wasn't accurate and that they needed to rectify the situation and provide the correct amount before I discuss the matter further. The representative insisted that it was the correct amount, and if there was an issue, I needed to contact XXXX. I told them that because they were contacting me, the onus is on them. They refused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Who : Unknown. I do n't know who opened the credit card without my authorization What : Victoria Secret Credit Card Where : In  XXXX  Indiana When : The credit card was opened      XXXX   XXXX   XXXX   Why : Unknown How : It was opened electronically Company : Victoria Secret A Purchase : The purchase was made on   XXXX   XXXX   XXXX   Bala nce Accumulated : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: SYNCHRONY FINANCIAL
State: NJ
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:
I have a PayPal Credit account where my FOUR payments are missing. Multiple attempts were made to resolve with PayPal Credit but no satisfactory reply despite I have a proof of payments via checking account bank statement.

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 2022-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for auto financing and I was told by the dealership that only 1 inquiry would be done. However, I see multiple inquiries.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX is reporting on me and my husbands Equifax credit reports that {$3300.00} is owed but the account was resold at auction. XXXX XXXX was supposed to send us proper documentation of their Right of Redemption : including amount of outstanding balance, deadline to redeem the loan, method by which to redeem or payoff Notice of sale : Intended date, time and location of sale of vehicle at auction. A description of how I can obtain an explanation of how proceeds of sale are applied to debt obligation and contact info to find out more information about upcoming sale. 
Post sale notices about if vehicle was sold being provided with account of how proceeds were applied. 
They havent provided me with the information that they were supposed to provide me with. It is my right to know what happened to said vehicle and why am I still been charged when I am not in possession of said vehicle. No docs about how much vehicle sold for, when or where it was resold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened account on XXXX with {$25.00} those founds were available when I received my debit card on the XXXX which I used on the XXXX to make a purchase. Also on XXXX I deposited my pay check via mobile app. These funds have cleared my employer bank account XXXX XXXX on the morning of XXXX. After I questioned why the was holding my funds until Tuesday the XXXX via phone call on the XXXX they blocked my account. When I call to find out why they will not give me a reason other than review. I asked why they waited until I deposited my check to place under review they will not give answer. Asked to speak to supervisor they place you on hold for a few and say well there not available they will call back yet I get no call back. I said I need the supervisor now please they said we can hold the line for XXXX minutes after that I have to disconnect. After XXXX minutes she came on sorry no supervisor available call back tomorrow have a good day and hangs up. You already have to wait on hold for someone to answer for XXXX plus hours I believe they are stealing peoples 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 2017-09-09
Company: EQUIFAX, INC.
State: IL
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:
Equifax suffered a security breach, exposing my personal information to risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home loan with Bank of America Loan # XXXX. I have been unemployed since XXXX XXXX, XXXX and on XXXX XXXX, XXXX fell behind on my payments. I contacted Bank of America in the XX/XX/XXXX to let them know that I may fall behind in the near future and was n't sure I would be able to pay for XXXX. I had contacted HOPE and based on the information I gave them the counselor said that I qualified for an unemployment forbearance. When I spoke to Bank of America the account manager I spoke with said " we can not help you because you do not have income coming in. I will send you a loan modification packet because we by law have to send it. '' I filled the paperwork out but they have been dragging their feet and not giving me an answer when they already said they could n't help me. I feel they are stalling so that my house will go into foreclosure so that they will have to do a short sale of the property. I am in the process of putting my house on the market because I feel that Bank of America is not willing to work with me on programs I may qualify for. I feel they are purposely stalling the process when they are going to deny me help anyway so that they can profit from this. I only have {$3100.00} to my very name and need money to survive until I can find employment. They are fully aware of my situation and finances due to the modification paperwork I filled out and even though they know how desperate my financial situation is, they are refusing to look out my best interest because they are a business and looking out for themselves. I would like to be able to make a profit from my home in order to stay afloat. Bank of America truly needs to work with homeowners who especially want to remain in their homes and who like me have NEVER missed or been late on a payment. I would like for them to stop the deceptive practices and value their customers more instead of always looking out for themselves. I personally want them to understand and work with me to gain a profit due to my situation. We make their business and I have informed them that I am going to get on social media and let everyone know what type of bank they are and that they care nothing about customers but their bottom line. 
Sincerely, 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 2019-02-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bayview Loan Servicing is incorrectly reporting late payments on a loan that never existed. The line item on my credit report appears to be a duplicate of a XXXX XXXX XXXX XXXX. They have reported late payments of greater than 120 days as recently as XX/XX/XXXX. These incorrect late payment reports are preventing me from qualifying for a mortgage. I have no other negative items on my credit report. 

I have asked Bayview to review the account in writing and via multiple phone calls. They leave the erroneous information on my report, and typically add an additional late payment to my report for whatever the current month is when I file the request for them to investigate or a request/dispute with the bureaus. 

Months of incorrect late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Also of note - on my credit report it shows " account closing date '' of XXXX. Last activity date of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I purchased A car from XXXX XXXX XXXX XXXX XXXX in XXXX Ga. They didnt give me My car I signed for they gave me A Loner car. I was driving in the loner car until my car ( XXXX  XXXX XXXX ) was finished. I put money down on the car in the middle of XXXX and decided to give the car back at the end of XXXX because the loner car was messed up and they still wasnt giving me updates on my XXXX XXXX XXXX. XXXX  from XXXX XXXX XXXX XXXX kept ignoring cars calls because I wanted to get a full return on the car. XXXX XXXX XXXX wrote me out a check for XXXX. I went to the bank just for them to tell me his account couldnt withdraw a limit over XXXX. XXXX XXXX I returned to XXXXXXXX XXXX XXXX XXXX  to get two different checks which was both worth XXXX ( I was able to cash on different days ). Fast Forward XXXX XXXX started calling two times a weeks at the end of XXXX for a balance I didnt know I owed. I called XXXX from The dealership several times to see why I owe a balance, he told me it was wrong and he been called them. He Was lying, now I have a car I never had on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XXXX of XXXX, I opened a credit card account with XXXX for a Walmart Credit Card. The account was sold to Capital One on or about XX/XX/XXXX of XXXX. The account was closed without my permission, any notification, or other means of communication. I contacted XXXX, who is the " Senior Account Supervisor '' with Capital One - ID # XXXX - who informed me that she was not willing to even attempt to reopen the account. XXXX admitted that there was no letters, emails, or any other notices, of changes to the account, prior to, or after the account was closed. I asked that the account be reopened since closing the account was unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2020-08-05
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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