BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I detected fraud on my company 's Chase XXXX XXXX XXXX on Friday, XXXX XXXX, XXXX. 

When I called to report this to them, they said that they would rush deliver a new credit card under my name to my apartment as soon as possible. 

However, when the credit card finally arrived on Monday, XXXX XXXX, XXXX, it was the wrong credit card. They issued a new credit card for my manager and sent that to my address instead.
This was completely unnecessary as I reported fraud on MY credit card, not HIS, yet they sent me a replacement card for HIM and MY new credit card was nowhere to be found. When I contacted Chase XXXX XXXX XXXX services, they were vastly unhelpful and unapologetic for an error that they created. 

Now, my business has lost 2 days without having my credit card on file and Chase has not owned up to their mistake. This is completely unprofessional and unacceptable. Due to their incompetence, we now have to wait approximately 2 more business days until I get my new card. 

Terrible customer service. The representatives I previously spoke with on Friday, XXXX XXXX, XXXX were unhelpful and obviously unfit to handle this situation. However, much worse were the representative AND supervisor ( XXXX ) that I spoke with on Monday, XXXX XXXX, XXXX. Absolutely horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My kohls charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted kohls department store and made payment arrangements to bring the account current. I explained that kohls would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XXXX/XXXX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and kohls will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with XXXX and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes kohls will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I paid off my Best Buy Citi Card and I got a statement in XXXX which showed nearly {$3000.00} in charges I did not make to the card nor does the statements show where the {$3000.00} came from. I reported this fraud on both my secure web login in credit card portal and when I got no response or phone call I submitted a letter directly to the Best Buy Citi consumer assistance address, still no response and I keep getting bills which keep going up now over {$3000.00}.

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 2018-11-20
Company: Navient Solutions, LLC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I been disputing Naviet account XXXX, and also XXXX, for been charging unauthorized transactions I detect on XX/XX/2018, instead of resolve the matter they still charging and not resolving the issue, .Naviet is been reporting 6 times the same account, I been disputing and dealing with Customer for years with out any response. at this point I need any kind of help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: MI
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 Account # XXXX XXXX and # 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 Agency Can not Furnish an 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 2022-01-14
Company: Phoenix Financial Services LLC
State: NY
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:
I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: CITIBANK, N.A.
State: WI
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:
On XX/XX/XXXX we paid off our citi card credit card balance with the amount of {$1800.00}. We made purchases on XXXX and XXXX to XXXX XXXX XXXX, XXXX, XXXX that totaled {$2100.00}. 

On XX/XX/XXXX XXXX XXXX  XXXX made {$13000.00} of fraudulent charges on my credit card. It was and still is a nightmare getting these charges removed from my card. There was an investigation opened in XXXX of XXXX. 

I have called monthly to get these charges taken off and they still can not get the amount correct. I owed them {$2100.00}. They have made me keep paying monthly payments and have still not resolved this issue. They are telling me there must be a " glitch '' in their system for crediting all of these charges. The last statement I recieved on XX/XX/XXXX states that I still owe {$2100.00}. This is still not correct. 

The amount I should owe citi card is {$2100.00} less all of the month payment I have made since XXXX of XXXX ( {$1100.00} ). I should not have been charged anything past XX/XX/XXXX. I also do not believe they were supposed to making me pay monthly payment on this account while it was under investigation. The amount I should owe Citi Card to date is {$1000.00}.

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 2022-06-16
Company: EQUIFAX, INC.
State: MI
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 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 State a Consumer Reporting Agency Can not Furnish a Account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Radius Global ( XXXX ) XXXX reported XXXX, showed up today XXXX. 
No notice was received. Called at XXXX got XXXX XXXX asked for phone number to verify, Account # XXXX, XXXX XXXX {$430.00} is the amount, I requested the address. 
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, I never lived there. XX/XX/2018 was the date. The written notice to dispute was sent to that address as well Dispute process below Email dispute : XXXX Include account # XXXX Reference # XXXX Balance XXXX Client name XXXX I included all information showing that I never lived there as requested. I was told I just had to email stating I had never lived at that address and include a current address. They said it would take 30 days, which I said flat out would NOT be acceptable as this is a fraudulent account on my credit report while she is buying a home. I was transferred to a supervisor. XXXX is the manager we got transferred to. It will reflect as a dispute on Saturday. It should be removed by Tuesday at the latest is what he told me. It is still on my credit report. I called Wednesday and Thursday and was told both times to wait just a few more days each time but I cant keep waiting when I was told today there was no guarantee on time frame.

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 2017-07-03
Company: EQUIFAX, INC.
State: AL
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 A RE- INVESTIGATION MATTER. AS YOU CAN SEE FROM MY CREDIT FILE I HAVE HAD IDENITY THEFT BEFORE. SOMEONE HAS REQUESTED A INQUIRY ON MY CREDIT FILE AND IT WASNT ME. I HAVE SENT LETTERS TO ALL THE CREDITORS LISTED BELOW ASKING FOR REMOVAL OFF MY CREDIT FILE. FOR INSTANCE WHY WOULD I REQUEST XXXX XXXX TO PULL MY CREDIT BACK TO BACK NUMEROUS TIMES IN A 2 DAY PERIOD. DOESNT MAKE SENSE. I AM REQUESTING FOR IMMEDIATELY REMOVAL OF THESE UNAUTHORIZE INQUIRIES THAT I DID NOT AUTHORIZE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM XXXX AND DO NOT DRIVE DUE TO A INJURY IN XXXX THESE ARE AUTOMOTIVE INQUIRIES PLEASE REMOVE FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: OK
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:
XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX  account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX 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. 

Equifax In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account xxxxxx XXXX, XXXX XXXX XXXX XXXX account xxxxxx 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. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account XXXX, 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 2017-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Why are consumers having to pay for protection services for this breach of Equifax? According to the attached article, it is $ XXXX per credit bureau : XXXX freezes, which remain in effect as long as a consumer wants, are n't free, however. Each state has its own sign-up procedures and fees. Freezing one 's credit is n't expensive. They cost anywhere from {$5.00} to {$10.00} per credit bureau. 

Check out this article from XXXX XXXX : How to defend yourself against identity theft after the Equifax data breach https : XXXX This is egregious and not fair. Equifax should bear the cost of implementing a freeze, as well as notification all impacted consumers. 

Please look into this matter and use whatever powers for your position to address this travesty. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have paid over {$340.00} for an Old Navy CC bill of {$70.00}. However, I am still getting bills! Not only that, but they have reported me to the credit bureaus and lowered my limits on all of my other cards because of their mistake. I have filed three investigations with Synchrony and two prior complaints here. I get no where with XXXX XXXX! The extra charges were supposed to have been removed, but instead they are sending me bills for more money. The E checks from my bank clearly say OLD NAVY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Why they are applying them to my Gap Card XXXX only knows! Especially after multiple investigations and complaints!

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 2018-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an Exclusive Pre- Qualified credit offer from Capital one. I applied for it with the Reservation # and the Access Code they provider in there offer. I was denied Credit, with a Hard Inquiry Hit of 40 points off of my credit score ... 40 POINTS!!! I Read the small print it said with the Pre- Qualification I would Not Receive a Hard Inquiry.I'am so frustrated! I have been trying to repair my credit. XXXX XXXX suggested I needed more revolving credit and strongly suggested Capital One. It feels like Blackmail. 40 Points for being Denied is unheard of ... please help!!! I applied for this Capital One Offer The Middle of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Tried to sign up with TransUnion XXXX https : //XXXX 

Gave them all my personal information so I could get a credit lock - their web site just returns " we 're unable to complete your request, contact Support '' ; but, the Support page has no way to actually contact them OR cancel my account/remove my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX  account XXXX, XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), 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. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account xxxxxx XXXX, XXXX XXXX XXXX XXXX account xxxxxx 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. 

Experian In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account XXXX, 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 explanation
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am college student that applied for work-study and fell victim to a scam. XX/XX/2022 I was talked into depositing a check of {$1400.00} as a task for my employer. I was then told to send the {$1400.00} to a recipient through XXXX. I did not think much of the request at the time because my so-called employer was under the name/email address of a real professor at my university. The Chase mobile deposit also did not detect anything wrong with the check at the time. On XX/XX/2022 Chase bank realized the check was fraudulent and charged back the {$1400.00} after the deposit was processed. Some Chase representatives old me that they can not help me refund the charge while other representatives told me otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage has refused to send a monthly statement for the month of XXXX. He month they keep sending them later and later and now they haven't sent the statement for both loans we have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Information belongs to someone else

Complaint:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THE INQUIRIES ACCOUNTS AND TRANSACTIONS I AM DISPUTING WERE OPENED AND MADE BY THE THIEF, AND NOT BY ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY : I DISPUTE THE FOLLOWING ADDRESS ON MY CREDIT REPORT THAT I NEVER LIVED AT OR DO I KNOW ANYONE WHO HAS LIVED AT THE FOLLOWING ADDRESSES : XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX I DISPUTE THE FOLLOWING NEGATIVE ACCOUNTS THESE ACCOUNTS ARE NOT MINE I NEED THESE ACCOUNTS OFF MY FILE IMMEDIATELY!!! : 1.DEPT OF EDXXXX ACCT # XXXX 2.DEPT OF ED/XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX ATTACHED ARE A COMPLETED POLICE REPORT FTC REPORT CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT IDENTITY THEFT AFFIDAVIT AND XXXX XXXX XXXX DRIVERS LICENSE. PLEASE DELETE THE DISPUTED ITEMS FROM MY CREDIT REPORT WITHIN FOUR DAYS AS REQUIRED BY THE FAIR CREDIT REPORTING ACT.

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 2021-07-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with non-monetary relief