BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: JPMORGAN CHASE & CO.
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Since XXXX of XXXX  I have been dealing with the same chase dispute issue that chase does not want to resolve. They have not closed down a dispute that was opened months ago but instead keep re opening it and rebilling me multiples times for one transaction. I currently have 3 rebills of one transaction plus the initial one made that was paid out I have paid out 2 charges already but they keep charging me for something that was already closed down. I am trying to close ALL my chase accounts down because they dont want to resolve their mistake. They have not refunded me for the charges that are reflecting on my account which I do NOT owe. I have spoke to over XXXX agents managers supervisors which tell me the same thing my refund is coming the refund is on the way itll take 30 days 60 days 24hrs 48hrs 72hrs 7-10 business days and NOTHING is being done. EVERYTIME I call I get the same issue and the same excuse and waste my time looking into my account when all the calls are recorded the notes they say they put must show up on my account and yet they give me the run around about getting the amount returned and their mistake fixed for XXXX. I need help! I have called for 4 months and still have no resolution! Im ready to find a lawyer if I have to to clear my report and show it was not my mistake. They will charge fees that should not be and they are doing fraud on my account and dont want to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PHH MORTGAGE you keep claiming that your sending my escrow refund check but you are SENDING IT TO THE WRONG ADDRESS. I DO NOT LIVE THERE. I have provided my current address to you on my previous 5 complaints and you have not responded. You overnighted my check to THE WRONG ADDRESS. Its evident PHH MORTGAGE has my current address because you keep sending letters to my current address.. I have it attached.

PHH MORTGAGE you have failed to provide my with my refund since XX/XX/XXXX after I have provided you with my current address numerous times. Therefore, effective today XX/XX/XXXX, PHH MORTGAGE will be charged a late fee of {$35.00} monthly until I have received my check. 
Once again, I have attached my current address.

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 2017-01-13
Company: Byrider Franchising, LLC
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: LEXISNEXIS
State: NV
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 complaint number XXXX violation of privacy with reporting my information without my consent. XXXX XXXX XXXX PERMISSIBLE PURPOSES OF CONSUMER REPORTS. LEXISNEXIS is pretending they are not at fault with reporting my bankruptcy. They recently send me information stating it came from the credit bureau. This type of back and forth needs to be addressed with the Attorney XXXX office. I am holding XXXX accountable for allowing LEXISNEXIS to continue this back and forth

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I originally had a {$160000.00} loan with XXXX XXXX in XX/XX/XXXX. The loan went to DiTech XXXX, and then ended up with NewRez. I paid the balance of the loan on XX/XX/XXXX, it was {$74000.00}. I have spoken to numerous representatives over at NewRez and they all state that there is a XXXX Balance. 

However, when I went to sell the property, the title examiner is saying that there is no discharge or lien release of that original {$160000.00}. So they are holding back my money until I can get this resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Pleased remove all fraud alerts and extended fraud alerts TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2020-04-18
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) : Experian XX/XX/XXXX XXXX XXXX PDT From XXXX XXXX XXXX Other Experian has no record of this account. The other credit bureaus do. Experian advised me to request from XXXX to resend the account information to Experian so that my credit score will increase. I'm trying to buy a home and get the best terms. XXXX XXXX XXXX  XXXX XXXX XXXX said Experian was responsible for deleting this account information in error not the XXXX. I want Experian so to add it back to my credit report. The information was mysteriously deleted from my credit report. Experian Report XXXX. Experian should have updated the status as paid car loan. Instead, Experian deleted the from my credit report and thus lowered my score. I should have three paid off car loans, two from XXXX but now only one from XXXX shows up on my Experian 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 2017-04-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I went to   XXXX   XXXX   in  XXXX  and at that time I took out loans totaling around {$45000.00}, for school tuition and living expenses.  XXXX   XXXX  was a  XXXX  hour school and they discouraged you from working while in school and also made it nearly impossible with a schedule that changed monthly and held classes at all hours of the day. They were preparing us for the real world environment. It is now  XXXX  and I owe {$59000.00}! I also just paid off the {$6000.00} balance of  one  of my loans this past  XXXX  that had  % 15 interest!  I have only ever misse d 3 payments , I pay my monthly balance due.     All of this was for an  XXXX   XXXX  in   XXXX   XXXX    that is completely useless.     I was technically successful! I worked in   XXXX   XXXX  , on   XXXX   XXXX   projects with world famous artists. I managed a   XXXX   XXXX   XXXX   in  XXXX  for 6 years! But no matter what I did in the industry I could never make enough money to pay the loan off, just enough to pay the monthly payment, which mostly goes to interest.     I think it is ridiculous that I was able to to take a loan out for that much money to enter an industry that does not have the jobs to support the amount of graduates entering it. Add to that, the jobs that are available are not paying enough to pay off the school tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2022-11-16
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In regards to the transaction on XX/XX/2022, {$280.00} sent to XXXX XXXX ( XXXX ID XXXX ) was an unauthorized transaction. I mistakenly filed a dispute through Paypal claiming the product was never received, but it was an unauthorized transaction. There is no way for me to change the reason that I filed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have a credit account through Sears. It has been open since XXXX. Approximately XXXX XXXX, while paying, Sears retail clerk prompted me of an opportunity to enhance my Sears credit through the addition of a Master Card. at the point of that register, through the process of applying to the added credit account that I discovered the store had my incorrect address. I updated the address at the register, and agreed to new account and made a purchase that day. 

In XXXX XXXX, I was forwarded mail sent to my incorrect address, my former address. I paid that bill and opened an online service account so as to stay on top of the tracking- I then updated my address. In XXXX XXXX, I received a notice from credit bureau ( XXXX ) survey account stating that there was a change in my credit report. It pointed out the Sears card. I then promptly attempted to sign in to investigate the account. 
As I attempted to sign in, the Sears online system did not recognize my email stating that my email was not registered. After multiple attempts with multiple user names and passwords, I promptly called Sears to investigate on XXXX/XXXX/XXXX. The Sears clerk told me that he saw that I was registered through the Sears online system, but not through the Sears Credit card online system. In essence, the online banking system for the Sears card that I have held since XXXX, and the new Sears Credit opened in XXXX XXXX are not linked, correlated, or connected in anyway. XXXX, therefore, must have made XXXX separate online accounts. This added step and process was no where disclosed anywhere by the company nor its affiliates. 

The multi step online registrations requiring XXXX user names and such are not disclosed and creates ambiguity and confusion on behalf of the consumer that can have serious ramifications. I think that this is capricious and not fair to the consumers, and now my credit score has been dropped by these discrepancies. 

In the meantime, I have paid all bills in full, but seek remedy for the XXXX notes added to credit score affiliated with the Sears credit card online system.

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 2016-05-02
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016 a copy of my credit report was obtained by Citibank. I did not authorize this nor did I apply for anything. I am in the process of trying to buy a home and this dropped my credit score XXXX points and has affected me drastically. I contacted Citibank via telephone and was told I was not a customer therefore they could not help me. However they can pull my credit report and not tell me why! My lender as well as the credit bureaus told me that if they could provide me a letter stating that this was done in error they could remove this inquiry on my credit report so it would not stay there for 2 years. I need this done immediately. This inquiry could prevent me from buying my house!

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 2016-04-13
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I recently enrolled in an identity protection service and on my credit report I found an old revolving account opened in 2004 which should be closed. It indicated the creditor is CBNA and their address is XXXX XXXX XXXX XXXX, SD XXXX. No phone number was available. An internet search lead me to believe that this is affiliated with XXXX XXXX, but none of the numbers I was able to find for them got me to anyone who could help me. I would like this account closed and reported as such to the credit bureaus. I tried to contact XXXX to dispute the account, but I was unable to get through their phone maze nor was I able to get anything done through their website.

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 2022-11-16
Company: Experian Information Solutions 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Sometime in late XXXX I received an offer from Citi bank to join their CitiGold Checking account program. The literature stated that a bonus of XXXX TY points would be awarded if I met the required terms and conditions. This seemed like a decent deal to me ( given the fact they charge a high monthly fee for the account ). Once I had met these conditions I sent a secure message to confirm that I had all the details correct. I received a message in return stating that " yes, I had completed all the necessary requirements '' and was given a date when the points would post. This date passed and I sent a second message inquiring as to what the delay was. I was then told that I was n't eligible because they believed I had not originally been targeted. This application was submitted in XXXX and I naturally do not still have the slip I received from them about the offer. I have screenshot the message from the rep stating that they had in-fact confirmed my eligibility previously. More disturbing, is that when I attempted to access the older messages where they had confirmed I had met the requirements I was unable to do so.

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 2016-06-26
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a credit card with CitiBank [ see XXXX ] I did not receive a card. I did n't worry about it, I do n't really need it, I just wanted the XXXX " bonus miles '' they lured me in with. 
Now, I am applying for a Loan, but XXXX XXXX XXXX wo n't give me a loan as there is a HARD INQUIRY on my credit, from " CBNA '' ( which is Citibank ) on XXXX/XXXX/16. I have called Citibank 4 times already and spoken to XXXX people, but they have no evidence of my application ( neither do I, I mailed the form to them ) and they say they can not remove this Hard Inquiry from my credit. This means I can not get a loan. I 've been working on this for 4 weeks now, and getting nowhere with anyone, including XXXX. 
Please help!

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 2016-02-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
My Citibank credit card number was used fraudulently in XXXX 2015 to purchase goods from an online merchant in XXXX. I notified Citibank within a few days of this happening. I still do not have a credit back yet for the fraudulent purchase amount of {$150.00}. I am constantly given a " run-around '' ; given paperwork to sign ; promised that a credit will appear on my account -- -- only to have it reversed again a few days later. I filed an online police report with XXXX XXXX police regarding the individual who fraudulently used my card number. I do n't know anyone in XXXX. I just contacted Citibank again today regarding the matter, and was told the XXXX merchant 's bank would be allowed to dispute my claim ; YET AGAIN, and even then ; the claim may go to XXXX. The Citibank representative said, " we do n't know what will happen if it goes there. '' Citibank are dragging their feet on reimbursing me the {$150.00} ; yet spend millions of dollars advertising that your card is safe, and that they will stand by their customers. That constitutes false advertising. The fact is, Citibank is refusing to refund me my money. The only refund it " conditionally '', and then it is reversed later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Regarding Citi HHonors Reserve credit card account : Received letter dated XXXX XXXX 2015 from Citi, stating that Citi had failed to notify cardholders one month in advance of billing for annual membership fee ( as presumably Citi is required to do ). Letter said that refund for fee could be obtained by calling number given in letter, *but that calling to obtain refund would result in Citi closing the account. * Called number, rep did n't know anything about it, said supervisor would call back, never happened. 
Evidently Citi erred by failing to send the required one month 's notice of annual fee ; is required to offer a refund because of that failure ; but is penalizing those who seek a refund by closing their accounts. **The consequence of closing the account amounts to a threat intended to dissuade cardholders who are legally entitled to a refund from seeking that refund. **

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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