BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a mortgage through Chase. I am not late on this account and never have been. Loan origination date is XX/XX/XXXX. I filed bankruptcy a few years ago and it was discharged in XX/XX/XXXX. 

When the bankruptcy was discharged, Chase stopped reporting my payments on the mortgage to the credit bureaus and has set the status of the mortgage account to closed. Consequently, I am not getting 'credited ' on XXXX XXXX score because this account shows as closed rather than being open, current, and never late. 

I've tried to get Chase to report this mortgage to the credit bureaus and they have refused. I've asked several times, written them three times, my bankruptcy attorney provided documentation to Chase about the discharge and yet, Chase continues to refuse to report this activity. 

This is creating obvious issues with XXXX  scores as well as ongoing finance health. 

I've attached copies of the discharge from XX/XX/XXXX and the latest mortgage loan statement. 

Can something be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: AZ
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:
On  XXXX / XXXX /   2017    XXXX    XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX / 2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.

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 2021-10-26
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Home Depot Credit Card and I logged in to pay my credit card and discovered over {$4000.00} interest charge. The interest charge as stated on my statement was to be 25.99 % of my balance which was {$2000.00} something at the time. I called to question this and they said the interest was actually 2 times this and for the original total balance which was {$8000.00}. This was never explained to me. How can you charge interest on something I had already mostly paid off?

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 2017-04-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On  XX/XX/XXXX  I signed up for the Citi  XXXX   XXXX  credit card with with a promotion that stated : " Earn  XXXX  weekend night certificates each good f or 1 weekend night ( standard r oom, double occupancy ) at select hotels and resorts within the  XXXX   XXXX  after you make {$2500.00} in purchases within the first 4 months of account opening ''.     By  XX/XX/XXXX  I met this minimum spending and on  XX/XX/XXXX  I made a payment on the account for {$3000.00} completing my portion of the sign up agreement. I waited for the  XXXX  free night certificates to arrive in the mail and when they did not arrive by  XXXX   XXXX  I contacted  XXXX  customer service. On  XXXX  I contacted  Citi c ustomer service via Chat and they referred me to telephone support. I called Citi customer service on  XXXX  and the representative was unfamiliar with the offer. The representative stated they would need to escalate my inquiry and that I should expect to hear back within one week which would be  XXXX .     By  XXXX  I had n't heard anything from Citi so I contacted Citi customer service via  Secure Messaging.   I received a message back from Citi on  XXXX  simply stating " We have reviewed your account records and have identified another account  ( s ) th at have been established and or closed in your name within the last 24 months that had special promotional bonus of fer ( s ). '' I 've never in my life had the Citi   XXXX   XXXX  product therefore I am eligible for the sign up bonus.

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 2021-10-26
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This complaint is about FedLoan Servicing. I am a loan borrower who has been paying on my loans since XX/XX/XXXX. I switched to FedLoan in XX/XX/XXXX from a different servicer due to enrolling in the Public Service Loan Forgiveness Program. Since that time, I have diligently filled out employment certifications and have had all my paperwork up to date. Despite this, my payment counts for the payments made under the previous servicer ( XXXX ) have not been corrected in the FedLoan system for the last 3 years. I have called FedLoan with this issue numerous times and each time have been told " those payments just haven't transferred/been processed yet, '' however they are still wildly incorrect now despite more than 3 years passing since switching to FedLoan. To give an example, my most recently disbursed loan from XXXX has a payment count of 68 qualifying payments, while the oldest loan from XXXX has a payment count of only 50 payments. This is not correct, as each payment I have made since XX/XX/XXXX has been made on all of my disbursed loans together, and the loans were never split up as far as order of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several certified letters to  XXXX ,  XXXX  and  XXXX  demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as  XXXX . All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XX/XX/2014    Amount : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Experian Information Solutions Inc.
State: KY
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:
Every single credit bureau is reporting inaccurate accounts on my credit reports and they are in violation of the fdcpa and fcra. This is misleading false reporting at its best. remove all inaccurate accounts from my consumer report asap or I will be seeking litigation. I am attaching all inaccurate accounts to this complaint.

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 2021-10-26
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX - JP Morgan XXXX Chase Bank. A fraudulent credit inquiry went thru to XXXX. 
XXXX - XXXX XXXX - A fraudulent credit inquiry went thru to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX and XXXX, the current owners of the property known as XXXX, NY XXXX ( " property '' ) hired our firm to represent them in the sale of their house. On or about XX/XX/1984, two mortgages granted by XXXX and XXXX were satisfied following the sale of the property. The property has been sold twice more since XX/XX/1984 and each time a request for satisfactions of mortgage has been attempted to be filed by Citibank and each time, because the seller did not have the XXXX account number nor their authorization to discuss the loan, Citibank would not progress the call to the lien release department, stating that they can not discuss the account. As the account has been satisfied over 20 years ago, our office is not asking for the borrower 's information on any information on the loan but merely asking that satisfactions be filed in the XXXX office as the mortgages granted by the XXXX still show as being " open '' ( see attached lien search ) and the sellers can not sell their house without satisfactions being filed or payoffs to be provided to the title company. As the XXXX can not located prior owners three times removed, they are stuck as the title companies that insured the transactions are no longer in business and they can not locate the owners title policy from when their parents bought the property.

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 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The credit bureaus clearly don't know how to conduct a proper investigation I disputed the accuracy of this bogus account on my credit report and it came back verified. HOW??? Each bureau has different dates???? How is that even possible? At this point just remove it from my report. No investigation needed, I the original creditor did my own investigation and this bogus account is erroneous and shouldn't be own my consumer report. REMOVE immediately or I will have to seek litigation. There's aslo an account that two bureaus removed due to inaccuracy but one bureau is still reporting it. Remove it.

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 2021-10-26
Company: Lela Mae Portfolio Management Group
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They keep contacting me via email saying I owe money on a debt that is over 8 years old, and I filed bankruptcy over 2 years ago. The statute of limitations in my state is 6 years. This company is named Lela Mae Portfolio group. They have not sent me any information via mail previously requested. They have been harassing me for a few years via email and will not even validate a debt. I've asked to not be contacted and they still do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: NY
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 2021-10-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back in XX/XX/XXXX XXXX XXXX XXXX repossed my car, fraudulently. I did not ever miss 3 payments in a row nor did I miss 3 payments in the 3 years I had/owned the car. Their predatory lending ways would have them call me constantly if I was one day or ever late, they called insistently 24/7. When I requested they stop calling so frequently they said that was like putting them on a cease and decist so they could not reach me. I NEVER EVER KNOWINGLY did that. So when they wouldn't reach out to me one night they came and got my car out of the driveway. With the high interest rate I didn't attempt to get it back and called it even.

In XX/XX/XXXX, TODAY hey are reporting on my credit report like this just happen inXX/XX/XXXX, which is a lie, which should be fraudulent and I don't know why it is coming up again like it is recent because it is not. I want them to fix it and not keep reporting it like it just happened. It is causing me undue financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 SPOKE WITH A REPRESENTIVE AT XXXX XXXX XXXX XXXX ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE 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 explanation
Consumer complaint received 2017-04-27
Company: CITIBANK, N.A.
State: MD
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:
{$2900.00}  XXXX   XXXX ,    2017  What I am not understanding is why Citi Bank is saying that the  Merchant  is stating that they will provide service and that was not my complaint. Also the merchant and their representative  XXXX  have told me several times that they would give back the monies however that CitiBank needed to process it.     This identical issue has happened with another person with the same resort and all monies have been refunded because the credit card company actually listened to the case in it 's totality and spoke with the merchant and they both agreed that monies would be returned and they were..

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 2017-04-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a loy al Wells Fargo  customer for years, and I have never been so disappointed in their business practices.     On  X/XX/17    I requested  XXXX  separate transfers from  XXXX  of my checking accounts with WF, to the other. The funds were available at the time of the transfer. In addition, there was a {$1.00} fee from  XXXX  deducted from my account to validate it. Following this there was an automatic payment from  XXXX . I was charged an overdraft fee for all  XXXX  charges. I am being charged {$35.00} for a {$1.00} fee that was nothing more than a test of my account! I do not understand how that is ethical.     I have contacted the bank twice, because I feel like the transfers were held to post out of order, thus causing an increase in overdraft fees. Had I requested a transfer without the funds being available, it would have been denied. The first person refunded  XXXX  of  XXXX  of the fees. I do n't feel like this was enough to correct this. I requested again for this to be done, and was told they would not refund any more of the fees. The only fee I feel is legitimate is for the  XXXX  payment.     In addition, I did not elect for overdraft protection on any of my accounts with WF.     I will also be closing all  XXXX  of my WF accounts.

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 2021-10-26
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a mom of XXXX sons. We had a family plan on our XXXX account for many years while they were young. I called XXXX after they were old enough and we separated the accounts, different addresses. 
my son kept up the account on his own as he was XXXX through XXXX and paid his bills on time, however, he moved to XXXX, and did not pay last bill... I had no idea..he had no idea and no-one EVER called me about it and I have been with XXXX and STILL AM after 20 some odd years and ALWAYS PAID MY BILLS ON TIME!! 
purchasing the newest phones etc and never told about this discrepancy. 
yet, I just open a credit report and i see that this is in collections, has dropped my credit score since XXXX 2021 and I'm livid, as I am trying to buy a house ... MY credit was impeccable, yet this dropped drastically ... I just called JEFFERSON CAPITAL SYSTEMS and paid this {$180.00} debt with my credit card..conf. number XXXX ... 
whether it belonged to me or not..my credit is important. this company is not dealing with public fairly... and they were not very nice either... PLEASE SEE THAT THIS IS ERASED OFF OF MY CREDIT REPORTS... this is unfair, XXXX is underhanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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 SPOKE WITH A REPRESENTIVE AT XXXX XXXX XXXX XXXX ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I made a purchase from Macy 's with a Macy 's credit card. They never sent me a billing statement. Instead, several months later, they sent me a collection notice. I contacted customer service, explained I never received ANY billing statements and requested they send me a paper copy. I also sent them a letter ( attached ) noting the difficulties I experienced in actually getting them to send me billing statements. I refused to pay the " late fees '' and interest as I was never afforded an opportunity to pay my bill on time. Now they send me monthly statements with escalating late fees ( now in excess of {$100.00} ) even though I paid the purchase amount in full months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt has been secured and paid by 1099 C filling attached I have filled the 1099 A and became owner of this debt. 

This account is revolving and sent to the United States treasury XXXX XXXX estate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been getting calls from the number ( XXXX ) XXXX at least 4 times a day consistantly for the last few weeks and it has gotten out of hand. The person on the other end stated they were calling on an account from XXXX XXXX I supposedly had for $ 800+ owed on the account. I 've never had a XXXX XXXX account personally. When I explained to them that I have never personally did business with XXXX XXXX, they asked me to provide my Social Security number to verify, and I proceeded to tell him that he will NOT be getting my personal information, and I was then hung up on. I tried answering a call from the same number a few days prior and when I picked up, they hung up on me. This needs to stop. I have no debts that are delinquent with anyone and am up to speed on all of our accounts we do business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This is our third complaint now against GM Financial because they're still not addressing the issue, and their second response is literally the same letter as the first. After they tricked us into repossessing it, they now won't let us make payments on it. We've been calling all summer trying to get something worked out so that we can continue making our scheduled payments. Every person we talk to says we have make payments by phone, but the phone payment system says we're not eligible. Every option they have said is available to us, they find a way to block it. We mailed a payment in, they said they never received it even though tracking shows delivered at their address. When we try to get something finalized with them on the phones because the phone option doesn't work, we get placed on hold for 1+ hours and/or they " accidently '' drop our calls. We get talked to like trash by everyone we talked to. All we want to do is make our payments and they're not letting us.

Company response to consumer: Closed with explanation