BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On or about XX/XX/2016 my wife went into Chase Branch at XXXX XXXX XXXX in XXXX NY. ( this being the same branch both myself and my wife bank with ). 
She was looking to open a new credit card utilizing her sole name and credit. After completing the application and being approved for the card she was " convinced '' to have her husband ( Myself ) as an " Authorized user '' on this account to " gain more points ''. My wife specifically asked to Chase at that time, that this would have no impact or be reported against myself ( her husbands credit ). About 20 days later I was informed by my own credit monitoring company that an account by Chase has been opened AND reported against MY credit showing a balance etc. - I asked my wife about this and she was adamant that the person who took her application at Chase clearly stated that this new card account with Chase in no way would have any affect or be reported to any credit agency against her spouse ( Myself ). 
My wife reached out to the individual at Chase that took her application, who was totally Un-Aware and informed her this would not be reported against any authorized users credit. After speaking to the Branch Manager ( XXXX XXXX ) on XX/XX/XXXX he informed me that he was well aware of this going against the authorized users credit, and WAS written on the form in the small print that my wife had signed and agreed to. His only answer was to close the account against my name and told me it would " Probably '' come off my credit report. - When I asked for a letter simply stating that this account was opened and reported against my own credit without MY authorization he responded with " I can not write a letter ". 
This Branch and the managers at CHASE need to be held accountable and stopped, for opening probably thousands of accounts and having a direct impact on an individuals " Authorized users '' credit without their knowledge of an account even existing. We all know how precious and important it is these days in this credit environment and for Chase to blatantly lie to customers is simply not acceptable. - I am still trying to get a letter from Chase to get this removed entirely from my own credit. The officers at Chase taking such applications who supposedly " Know their Customers '' should have a fiduciary responsibility to their customers to read verbatim the part in the application that discusses who the opening of this account will affect credit wise, be it the main card holder or any authorized user they want to add.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXXandXXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXALL the parties above, Have all committed Fraud by not giving to me the correct " notice '' that XXXX XXXX is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to re-open my complaint number XXXX against TD Bank about a {$25.00} balance with " Open Date '' XX/XX/XXXX. On or around XXXX, in its response to my complaint, TD bank confirmed that " Due to the delay with contacting you of the remaining balance due, as a courtesy TD Bank has waived the remaining fees in the amount of {$25.00}. As of today, I confirmed that the Account is paid in full. An update has been sent to the XXXX XXXX XXXX XXXX major credit reporting agencies. Please allow XXXX days for the update to reflect on your credit report ''. However, I learned yesterday ( on XX/XX/XXXX, about XXXXXXXX XXXX XXXX XXXX  later that the {$25.00} still shows as a " charge off '', i.e. " bad debt '' on my credit report, and not as " paid in full '' as TD Bank states in its XX/XX/XXXX report to CFPB. Why -nearly 17 months later - didn't TD Bank inform all three credit bureaus that this amount is " paid in full '' as it states in its response to my complaint to CFBP? Please also see attached XX/XX/XXXX letter, where I marked where TD bank states the amount is " paid in full ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX and XX/XX/XXXX three fraud charges were made on my debit card {$54.00}, {$65.00} and {$16.00} for play station charges. The bank told me to dispute it with XXXX XXXX and the XXXX XXXX website told me to dispute it with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: JPMORGAN CHASE & CO.
State: AK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase Bank has refused to honor my promissory note which is my financial asset yet kept it beyond the midnight deadline. That asset is connected to my UCC # XXXX is seen as cash XXXX & XXXX. which I signed in front of and gave a copy to law enforcement Chase Bank policy not above the Arizona Law nor United States Code. 
Chase Bank would have had to return all the documentation given to it to avoid incurring liability. This did not happen. Arizona Revised Statute XXXX XXXX. 
1.A demand item, other than a documentary draft, whether properly payable or not, if the bank, in any case in which it is not also the depositary bank, retains the item beyond XXXX of the banking day of receipt without settling for it or, whether or not it is also the depositary bank, does not pay or return the item or send notice of dishonor until after its midnight deadline ; or 2.Any other properly payable item unless, within the time allowed for acceptance or payment of that item, the bank either accepts or pays the item or returns it and accompanying documents. 
I sign all my Private Bankers Notes ( promissory notes ) in front of law enforcement and give them copies so they know I am not doing any kind of fraud. I also include a card with every Private Bankes Note I create to the police department where the note is witnesses being signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a CitiGold Checking account which promised a reward for joining of XXXX XXXX XXXX Aadvantage Miles. I was told on XX/XX/2016 what requirements I needed to meet by XXXX XXXX. On XX/XX/2016 I was told I met those requirements and that the miles would be deposited on XX/XX/2016. I have yet to receive the miles I was promised for opening the 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 monetary relief
Consumer complaint received 2022-11-09
Company: Mutual Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Back in XXXX while i was an international student, i lived at an apartment complex. when the covid-19 pandemic started, my parents faced financial issues and i had trouble paying my rent in XXXX and XXXX of XXXX. While contacting the leasing office in XXXX, i informed them that i am unable to finish my lease and i will have to go back to my home country because of covid-19. they have deposited my security deposit that covered the 1 month i was unable to pay and for the determination of the lease. I have informed them of my forwarding address in an email. In XX/XX/XXXX, over 2 years later while applying for credit, i have learned that i have a collection debt. in the past 2 years the company has never tried to contact me at my phone number, email address or forwarding address to resolve this issue or to be able to dispute it. The leasing office had all of my communication information available where they could have reached me to resolve this. I had to learn about this collection debt through my credit report! 
I have tried to contact them to provide proof for the debt in question with no luck. Please help me. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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:
I am very stressed and lost any hope that I can get rid of fake inquires and fraud account. Someone used my personal information and just on purpose damaged my credit score. I can not obtain any credits for my business because I have items that are not mine. Its killing me a lot and influencing my life. I am very sad nowadays, so I just want you to help me a bit and to apply investigation, after this you can remove these fake items. I need it o much like air.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
When I purchased a vehicle from XXXX XXXX in XXXX NY, I paid {$5000.00} as a down payment on a vehicle that cost {$10000.00}. The remaining balance was to be financed and paid in 1 year. The amount financed did not reflect the down payment and the amount financed was not the price that was agreed upon. The numbers were modified without my approval or consent. There is a huge discrepancy in the amount agreed on at the dealer and what the finance company had.

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 2016-01-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I am still receiving harassing calls from CitiBank, even though I do NOT have one of their credit cards, and have NEVER had one of their credit cards. The calls began on XX/XX/2016. CitiBank received my original complaint about the calls from the CFPB, but for some reason, they keep calling me. Today, XX/XX/2016, was very difficult, as I was awakened by Citi Bank XXXX at XXXX XXXX. PST! They then called me AGAIN, at XXXX XXXX PST. 
I was worried an early morning phone call meant a medical emergency with my mom. 
The caller ID said " Citi Bank, '' and the phone number was XXXX, a South Carolina number. When I called the number back, a man answered, and it did not sound like an office. 
The other XXXX Citi Bank numbers on my caller ID, from XX/XX/2016, were " XXXX, '' and " XXXX. '' An XXXX with Citi Bank in XXXX XXXX, XXXX, keeps calling me also. She is very nice, and is trying to find out why these calls have been occurring, but I wish she would just contact the CFPB ( instead of contacting me directly ). 
I do not understand why I am being harassed when I do not even have an account with Citi Bank, and have never had an account with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a fraudulent debt from Helvey & Associates for {$210.00} placed on XX/XX/ that I was just made aware of as it caused a XXXX  point credit score drop. It stems from XXXX XXXX whom Ive had no debt with. I am completely on time with their payments and have not been contacted by XXXX for anything, nor is there any record of an outstanding balance that went unpaid. I have also not be contacted by Helvey & Associates. This debt is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The attached documents are exact words/ definitions and details regarding Right of Rescission copied and pasted from the GOVERNMENTAL WEBSITE ITSELF CFPB and other. Exeter is trying to deny me of my right to rescind stating it does not provide for a right to rescission for indirect auto sales finance contract which indeed is FALSE. I have attached definition and the exempt transactions and that does not apply to me and my contract. They also feel as though the right of rescission only applies to mortgage refinance or home equity line of credit as stated in their response. Saying that documentation I am providing is false or inaccurate is also saying the CFPB is false and inaccurate. I would also like to mention how Exeter Finance have neglected to give a sufficient response to my Affidavits point for point by affidavit as they are required to do so. They have ignored my concern regarding billing error, did not send documentary evidence in accordance with 15 USC 44 which reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate record, without providing all of these the error cant be clarified or resolved. The account should be placed on hold from collection pursuant 12 CFR 1026.13d ( 1 ) which is my right as a consumer and they are prohibited from reporting adverse credit reports pursuant 12 CFR 1026.13d ( 2 ). Once again I am requesting all funds paid to Exeter be returned to me by form of a check, the title to my 2014 XXXX XXXX, and removal from my credit report. If Exeter Finance continues to violate and deny me of my consumer rights I will be moving forward to arbitration to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Certegy is reporting on my credit report that I have an outstanding balance in their office for {$1400.00}, from XXXX. I have now called their office several times to inquire about the debt they are reporting. They tell me that I do not have a debt in their office. Nevertheless, they are not taking the account off of my credit report, even though I have disputed it multiple times.

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 2021-07-03
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a small business recipient of the PPP service. I open this account for purposes of receiving the funds since at the time my bank did not recieve PPP loans ( someone advised me to use Marcus Bank instead of getting the PPP prepaid card ). I recieved my deposit which took almost 2 months for me to recieve which has already caused financial issues for me on top of the pandemic. XX/XX/XXXX recieved my {$7500.00} deposit, same day I sent {$500.00} to my external account which is attached via Plaid to my Marcus Account. Hours later I recieved a call but the call didn't come to my cell phone on file It seemed to have went to my alternative number in which I never gave them. That number is attached to my external account, which I the only reason I knew they called because that number sends me a Email notification. On the call it's stated to me that my account will be closed with no explanation. Of course I was mad and frustrated about this BUT then when I asked how will I get my funds the REAL problem began. I was told that my funds will have to go back to my lender ( same lender It just took me a month in a half to get a resolution with to get my funds ). So I have found YOUR COMPANY IS VIOLATING ITS OWN CONTRACT. Per MARCUS DEPOSIT AGREEMENT *effective XXXX XXXX, YOUR company per section VI.Your Account ( bullet point 9 ) states as follows : -- -- " If your Account has a balance when we close it, we will return the funds to you minus any applicable penalty, unless prohibited by law, by ACH Transfer or wire transfer ( with your authorization ), or by mailing you a check. '' -- -- With this being stated and your company not sending me my funds with either option, I am considering notifying police of theft from your company. Also I have been informed by legal consolation that while you all have my money illegally you are collecting interest illegally. This is also costing me with the government seeing that I have a time frame to apply for forgiveness of my loan In which your company is holding my funds. I called my lender and they stated your company should simply write a check. I was also deceived by your agents who I have recorded saying my account has been closed and from legal consultation they stated this can not be the case because if the account was CLOSED a check for the remaining balance is sent to the account holder. ( Me ) Again you all are violating your own contract costing me emotional and financial distress because of it. I also see that this is an ongoing complaint with your company on the XXXX site wish I had recognized that earlier would have just waited for my PPP debit card. But again you all are violating your own contract that we agreed upon. I need my money rent is due and bills need to be paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2016 I signed up for a promotional offer of a CitiGold Checking Account that would credit my account with XXXX ThankYou Points. I received the promotion in a letter with the offer code XXXX which was applied while opening the account over the phone with a Citi Representative. The representative confirmed for me that the promotion would apply to my account if the qualifications are met. 

I called Citi multiple times over the course of XX/XX/XXXX and XX/XX/XXXX to confirm that I met the qualifications for the account and that my account would be credited. I was told multiple times that I did in fact meet the qualifications and that my account would be credited within the next 2 months. Recently I had an investigation opened asking why the account was n't credited, and Citi responded by stating that the promotion was not on my account. 

I feel as if I have been lied to and cheated, this type of deception should not be tolerated.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. 
Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX

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 2016-06-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a targeted offer for an Citi XXXX XXXX Platinum Select Master Card with a XXXX mile bonus offer after spending {$3000.00} in the first XXXX months and Citibank said I was ineligible to receive such an offer. There was no mention of this in the application, and a phone representative confirmed I was eligible for the bonus before I agreed to submit my application.

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