BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have gotten a new credit card from CitiCards after it merged with MasterCard. A few weeks later, on XX/XX/XXXX I received a text message about a fraud alert on my account. I have called and found out that there were fraud charges made in my account since XX/XX/XXXX. I confirmed that these were in fact fraud and was given a new credit card number. Upon receiving my credit card and checking my balance online, I found that charges on my old card continued until XX/XX/XXXX even though I called on the XXXX. The total amount of fraud charges from XX/XX/XXXX through XXXX was {$2900.00}. After my call, I was only credited {$1400.00} and remaining balance of {$1500.00} was left under investigation. Its been 2 months and now investigation is closed and Im being told that I have to pay this amount because citi somehow identified that Ive made those charges. I dont have any receipts or any paperwork to prove that I didnt make these fraud purchases and I didnt make them either. I rarely spend this much money on a monthly basis. Please help me to resolve this issue. I would appreciate anybodys feedback and Im very disappointed with citicards services especially because Ive been a card member for many years.

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 2020-04-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is a follow up complaint to complaint XXXX which was closed by your bureau but it was not resolved. My wife STILL can not access ALL of our money at Chase which I believe is criminal to say the least. This is the biggest bank in America?? 
Someone from Chase ( XXXX ) called after the above complaint was made and said he would be looking into the situation and would get back to us. He never did. Today, I went online to see what was going on and it said " closed '' and there was a .pdf letter. Case number is XXXX. We never received it. I did print it out and there was a reference number and phone numbers. We called and once again we started the transfer nobody can help game ( after speaking with XXXX at the executive offices who told us they would be able to help and she could do nothing ). Initial person said they could not help and transferred us to someone else. She ( XXXX ) after speaking with us for 10 minutes and trying to give us a cyber security lesson, then said she could not help and would have to send us to online banking ... ..but we did this exact same process under the last complaint ... ..for 2 hours one night, and 3 hours the following night, both to no avail. That is in addition to the 2 hours my wife spent in the branch. For the written record XXXX told us that we had to change our e-mail address and password and if we didn't Chase would not be liable for any funds missing from our account. We can not access the account to change anything. We tried to tell her this but, again, to no avail. We will still hold JPM liable despite her disclaimer on a recorded line since they can not give us access to change anything. I called XXXX back at the executive offices and she is supposedly having a manager call me back, but I am sure that will never happen. If this bureau is worth anything you will realize Chase is denying my wife access to our money and nobody cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TRANSUNION has provided clear and convincing evidence to the CFPB that they do not intend to adhere to the FCRA " 30 DAY DISPUTE RULE '' .TRANSUNION IS AN UNCONSCIONABLE LAW VIOLATOR AND SHOULD BE FORCED TO ANSWER TO CONGRESS about staying in business as lawbreakers. 

***CFPB XXXX was cutoff above in original dispute case no.

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 2017-06-14
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: Account information incorrect

Complaint:
XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and  XXXX .  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative 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
Consumer complaint received 2022-04-01
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a correspondence to LVNV Funding certified mail return receipt requesting that the alleged debt is not mine. Following the paper trail, the certified letter was signed for on XXXX XXXX, 2022. 
I also noticed that they have no disclosed to the consumer reporting agency that an Account is in dispute or even deleting the account until a reasonable investigation has been performed. LVNV Funding is in clear violation for not disclosing account in dispute on a consumers file once a consumer identifies inaccurate/unverified information on their consumer reports. 
I have enclosed a copy of the certified mail return receipt where you can clearly see that it was signed XXXX ( XXXX ) weeks ago. They have not notified me nor notify the credit reporting agencies of this unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted PHH Mortgage to provide my statements via mail ; they refused. I asked them to a least provide the tax statement at the end of the year via regular mail. They told me that they were going to do it. However, they have n't provided any information via mail. 
I tried to login in their website for days now and I keep getting the message below : We are currently upgrading this website. 
The site will be back up no later than XXXX Eastern time. 
Please stop back. 
I need my loan tax information to complete my tax return. During the week is very difficult for me to call them because I work from XXXX to XXXX. However, I have tried a couple of times to call them from work. I got put on hold for over 20 minutes. I do not have the time to be on the phone that long. I only get 15 minutes breaks from work. 
Can you please help me to get my tax information via regular mail? 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I refinanced our home mortgage with  JP Morgan Chase  in  XXXX  and it was to be an interest only loan. We have received a letter from the bank  (   XXXX   XXXX  ) advising us that our loan is being amortized over 20 years and our interest rate is being increased. This action will nearly double our mortgage payment. As I am  XXXX   years old  and my wife is  XXXX   years old  and we our on Social Security, as our only stable income, this action will cause us to have to sell our home. I have tried to contact the bank but I get transferred around to different people having to tell the same story over and over again only to ultimately be put on hold and then have them just disconnect my call. So, I get to start all over again. I received a letter from Chase Bank, the first week of  XXXX . The letter had a  XXXX   XXXX ,  XXXX  date on it. It told me That a  XXXX   XXXX   XXXX  was my " new dedicated Relationship Manager. '' It said, " Call me any time you have questions or concerns. '' It listed 3 numbers. A general number, TTY number and a direct number. I, of course, called the direct number and rang into the same old call center that I been calling before. I was put on hold to finally get a lady who explained to me that there was NO  XXXX   XXXX  working for Chase Bank. She also explained that a lot of changes have been made. I told her the letter was dated  XXXX . She said " Well SIR, this IS  XXXX   XXXX . '' I asked to talk to her supervisor. I was put on hold for an additiona l 5  minutes to be disconnected. In addition, I pulled out my paper work from the refinancing in  XXXX  and could find no where in the loan documents a "  XXXX   XXXX  '' that disclosed the interest rate, total amount of interest, and total amount of payments if the loan termed out over 20 years. In a previous conversation in  XXXX   XXXX , I had asked  Chase  to send me copies of my paper work showing me where it said my loan termed out over 20 years in  XXXX  and a copy of my  Federal Disclosure Box  signed and or initialed by me and my wife as their letter stated. I received some paper work sometime in the next couple of weeks from Chase. They sent me some of my documents and some documents belonging to some people that had nothing to do with MY loan. They never sent me any copy of the  Federal Disclosure Box  that I had requested. We were never told by the loan officer, in  XXXX , that our loan would term out in 20 years starting in  XXXX  of  XXXX . There is a paragraph hidden in the middle of the  30  plus page document, that we signed and initialed, that speaks to the 20 year amortization but no  Federal Disclosure Box.  So, they lied to us at the time of signing and hoped we would not catch their lie ( which we did not ) as we worked our way through the signing and initialing process, for our house, at closing. We need help before we fall behind on our mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On  XXXX   XXXX   XXXX , I contacted  XXXX   XXXX  Services regarding an open account showing on my credit report from  XXXX . A very rude female spoke to me and said this account had been paid in a judgment against me in  XXXX . I request for her to update my credit report to show this matter had been handled and to please remove from my credit report. She told me to contact the credit bureau to dispute as they would not remove otherwise or provide additional information for that I needed to contact the court who handled the matter.   -That same day  I f iled a dispute with Equifax who submitted a dispute on my behalf with the company only to conclude on the  XXXX  of  XXXX  as a valid account, response I am assuming was from the original collection agency I contacted before. The account still shows open and a debt due to them.   - The judgment itself at the time had been done in an illegal manner, as I was never contacted to make payments on the account or told there would be a hearing on the matter. The court ruled to take 25 % of my paycheck not acknowledging that I was unable to pay at the time being a single mother with bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 verbal agreement on recorded line through Capital 1 to take XXXX $ payments directly from my account ACH, until payment is completed. 

Payments stopped by Capital 1 at the end of XX/XX/2019. There was no XXXX payment take. I checked with XXXX XXXX  and this was not stopped by me but by the creditor. 

On XX/XX/2019 I was served with a complaint on behalf of Capital 1 with attorney XXXX XXXX. 

I responded with evidence from my bank showing the automatic withdraw checking from my account. It showed from XXXX to XXXX. It showed that there was payments being taken out and that there was no stoppage from me at all. 

We had a pre trial on XX/XX/2019 and it was offered to re start the payments or a settlement of {$1300.00} could be made We were made aware that if there is a contatrctual agreement that the payments would be added and taken off the account till the balance of XXXX. 

Capital 1 not only broke the agreement, but then is trying to sue us for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 finish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 finish 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 2017-06-14
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company keeps calling to collect a debt that is not mine. I told them not to call, and they keep calling. I do not owe a debt, therefore I will not pay anyone a dime. Cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
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:
I am unable to get a copy of my credit report. I have not been able to receive a copy of my TransUnion credit report for years and decades. When I am able to login, TransUnion refuses to allow me to update my address or other personal information, claiming that they are just not really sure if it is really me. The latest thing that TransUnion has said is that they have postal mailed a copy of my credit report to a long-ago previous address. Their response, to postal mail my credit report to a long-ago previous address, is ludicrous and criminal. TransUnion won't let me see my credit report, but they do eagerly send it to strangers who are living in places where I lived long ago. I have told TransUnion that I have a new address. They said they mailed my credit report " to the address they have on their record ''. They refuse to allow me to update my address or other personal information on my credit report. I am the only, only person who has any authority to say what my address is. TransUnion refuses to allow me to report my address, and also postal mails my credit report, which I haven't seen, to strangers who are living in apartments where I previously lived. This is one example of how TransUnion encourages and assists in fraud, identity theft, criminal activity, and corruption.

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 2022-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to login into myequifax.com to manage my credit freeze. On XX/XX/2022, I spent about 2 hours on the phone trying to get logged into my account. I was never successful, so I can't get credit, even though my score is around XXXX. The representative was unable to verify my identity- their software appears woefully buggy. 

When I try to login to the account, I get the message " We are temporarily unable to complete this request. '' The message never changes, day after day. 

I requested and received a verification code my USPS mail. Today, I went to my.equifax.com/pin and entered the code. It said the account was setup. When I went to login, I get the same message : " We are temporarily unable to complete this request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Shown below are messages sent to the debt collector XXXX XXXX XXXX (XXXX XXXX XXXX XXXX/XXXX XXXX XXXX; XXXX, XXXX XXXX; XXXX). This issue is the following: I am a landlord and the debt is for on of the units I own. I have never lived at the location of the dept. Each of my tenants receive their utility bills directly to them. The utility payment is not included in the rent. The utility company should attempt to collect the debt from the tenant  at the location of the debt.
 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Re: Dispute 

I received a letter for Convergent dated XX/XX/2017. Please consider this my response to the consumer information guidance on the reverse side of your letter.

I dispute the total validity of this debt. 
Request to receive verification of the debt and or obtain a copy of a judgement ( I asked for this information in my message below).
Receive a copy of such judgement.

As a solution to this issues I recommend the following: have the Creditor determine the party who used their service(s) and pursue collection of debt from them. For my protection, I am forwarding a copy of this message to the Consumer Protection agency. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX.

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX, 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Dispute 

I received a call from Convergent XXXXX17. I informed the caller that I have no debt due to Consumers Energy to my knowledge. I have never resided at the residence in questioned where the debt is assigned. I asked for documentation. I was told it would be sent. I have not received it. 

In response to the information you need to investigate the dispute.
Identify the specific information that is being disputed. I don't have an outstanding obligation.
Explain the basis for the dispute. I don't have a basis. I did not raise the issue.
Include all supporting documentation to substantiate the basis of the dispute. I have no supporting information. 

Please contact me if necessary. I will be as responsive as possible to resolve the dispute. Have a good day. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax 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