BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: CITIBANK, N.A.
State: CA
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:
I stayed at the XXXX XXXX in XXXX on XX/XX/XXXX. On my XXXX Citi-Corp credit card statement I was charges {$500.00} from the hotel. I contacted accounting at the hotel on XX/XX/XXXX and asked abut the charge. They said I broke the television. I did not even turn on the TV. I was attending a school board conference all day into the evening and early the next day. I asked what was broken and how much it cost and who reported it. The XXXX XXXX declined giving me any information, saying that information was is confidential. On XX/XX/XXXX, Citi said it was probably damages. They told me that the XXXX had the right to charge me because I had given them my card when I checked it. I asked them to contest the charge. On XX/XX/XXXX they sent me an unsigned form letter denying my claim, using the same verbage they gave on XX/XX/XXXX. 
FACTS I did not use the television XXXX is not showing any proof that it was broken or that I did it. 
Citi-Corp did nothing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the night of XX/XX/XXXX I went out to a bar in the XXXX XXXX of XXXX, my phone died and I was offered a ride from a person I met at the bar. We stopped at XXXX on the way home and I paid next to this person for some snacks. I was wearing a dress for XXXX so I ended up leaving my phone in the car. When I woke up I called the bank to report my card lost. They said that my card was fine and there was no transactions made. However the next day my account overdraft. Im 8 being a customer for Chase my account has never been overdraft. There was 7 charges to my account totaling about {$1800.00} XXXX XXXX XXXX - {$20.00} XXXX XXXX XXXX - {$20.00} XXXX XXXX XXXX XXXX - {$60.00} XXXX XXXX XXXX XXXX - {$60.00} XXXX XXXX XXXX IL - {$1600.00} XXXX  XXXX XXXX XXXX XXXX IL - {$4.00} XXXX  XXXX XXXX XXXX  XXXX IL - {$41.00} XXXX disputed the transactions however they were denied. I asked if I could talk to someone but they said the only way I could dispute the denied transactions was via FAX. I then looked for any substantial evidence I could find. I screen shotted The transaction of {$1600.00} location. I typed what appears in the charge in XXXX XXXX because theres no phone number and what I see is lots of abandoned buildings. They suggested I go to the merchant and try to get the money myself but theres no address or a phone number to even do that. I have a ring doorbell that records me when I get home and it shows me getting home with a dress and noticing my keys and walled and phone are missing. I screen shotted that and told them I could send the video directly from the app with time and date so they know is legit in the fax. But no one ever got back at me. I also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have an item on my credit report XXXX XXXX XXXX # XXXX that is incorrect and does not belong to me please provide written proof that I authorized this account to be on my credit report in fact I never provided any personal information to this company and do not know who the company is. 

I have sent certified mailed letters to this company and they have not sent me any proof of " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: JPMORGAN CHASE & CO.
State: IL
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:
I am a current XXXX member. I order quite a bit through this app. On XX/XX/22 XXXX started sending me a green link to apply for a chase XXXX credit card the promotional offer was {$200.00} XXXX credit plus XXXX XXXX XXXX XXXX membership. On XX/XX/22 I clicked the link and applied for the card. On this same date I got a confirmation email that I applied. On XX/XX/22 I got an email stating I was approved and to expect my card I. The next 5 days. On XX/XX/22 I got a {$100.00} promotional credit applied to my XXXX account. In immediately called and was told it was an error and that Chase was aware of it and would fix it. I called and was told that they were putting in a request to apply the additional {$100.00} to my XXXX account that was never applied. I called a few times after this date and was told the request was in process. On XX/XX/22 I got a letter Al telling me I was not eligible for the promotion. I only applied to to this special promotion to buy food for my child for school. I called again to find out why I was not issued the credit and the rejected my request. He told me it was too bad and that there was nothing he could do. I have been a customer of chase for over 28 years. I do not appreciate the treatment I received or the customer service I received. I was told I would be getting the adjustment. Please help me get my {$100.00} that I was promised. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Duvera Billing Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened XXXX XXXX XX/XX/27 at XXXX XXXX XXXX XXXX  center in XXXX XXXX, IL because they recommended it. I was completely rushed through the entire process because the tire shop was 10 minutes to closing and wanted me gone. I was not explained much, was told that I would have no interest before the 90 days. XXXX XXXX has been charging me XXXX a day! My balance started at XXXX now its XXXX even with payments being made on time. I can never get caught up because when I make a XXXX $ payment only about XXXX $ of that actually goes towards the balance. My interest rate is 194 %. Easy pay also likes to tack on returned checks and pretend that was the case so that they can tell you they are adding an extra XXXX $ for it being returned. Infact everytime I make a payment it just goes to interest and thats it. I have called several times and I always get a horrible answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: TX
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:
Accordance with the Fair Credit Reporting Act. 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 2022-06-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I AM PAID IN FULL- ON XX/XX/XXXX SELECT PORTFOLIO PAID TO HAVE MY HOME VADELIZED BURGLERIZED AND HIRED A COMPANY TO KEEP ME OUT OF MY RESIDENCE TO INCLUDE FORCE ME OUT WITH PHYSICAL FORCE- I LOST OVER XXXX OF PERSONAL PROPERTY AND MY INHERITANCE AND BUSINESS - MY BUSINESS HAS A XXXX CONTRACT LOST AFTER THEY COMPLETYELY LIED TO ME REFUSED A PAYMENT AFTER THIS CRIME ON MY MARITAL HOME- THEY PAID THE JUDGE TO FRAUD AN ORDER ACCORDING TO THE CRIMINALS THEY HIRED TO VIOLATE MY RIGHTS TO ENJOY ME HOME- AS THEY GALKED AT HOW THIS WAS FOR XXXX, OOO IN LUIE OF FORECLOSURE WHEN MY MORTGAGE WAS NOT LATE AND WAS UP TO DATE- I ASKED THEM TO REPAIR MY HOME THEY LIED TO YOU AS YOUR WHY I WAS ABLE TO RETURN IN XX/XX/XXXX AND I HAVE 4 RECORDINGS OF THE RELATIONSHIP SPECIALIST SAYING WHO EVER TOLD ME I COULD ASSUME THE LOAN TELL THEM THEY ARE LYING AND TO CALL THEM - AND THEY WILL EXPLAIN I TOLD HER ITS OKAY I GOT HER RECORDED- AND SHE SAID SHE WAS SORRY THE Lawyers are XXXX  and are lying to the point of criminal acts to steal my home- but they can not help me as the judge fraud and took a fordgery document to transfer a tittle to a man hired by the company named XXXX XXXX the XXXX who was also couyrt apt ? but he does this a lt he is a proffessional in mortgae fraud and breach of duty its how i learned its what they are doing to me- is there some way ypu can get FBI OR SOMEONE TO LOOK INTO THIS WHITE COLLAR CRIME AS I LOST ALL I OWN AND CONSUMER PROTECTION IS THE ONLY HELP I GET- PLEASE PLEASE PLEASE HELP ME- I PAID FOR THIS DEPT AND THEY CAN PAY ME FOR MY LOSSES OR MY HOME- AS IT A FINNACIAL CRIME AND THATS THE REMEDY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a navy federal credit card and was approved for XXXX. The following day navy federal unlawfully locked my account claiming there was a security issue however I've been a member of navy federal for a year and it was my first time hearing of this so called issue. I started the appeal process in which I asked once again that my application be retracted since I can no longer use my account and it is a violation of my ownership rights for them to keep the application. 12 US Code 1431 states that banks borrows and issues bonds and debentures. There is no loan because the application is the collateral and it was tendered for payment of the full amount making me the creditor not Navy Federal. The Federal Reserve Act Section 16 Part 2 details the application process and explains that the application is the collateral and is tendered for the full amount of the notes being requested by application. Navy Federal depositing applications in the name of consumers and then fraudulently claiming to give them loans is unfair and deceptive business practices and security fraud. If I'm going to be denied use of my accounts then it is mandatory that my property, the applications be returned.

Company response to consumer: In progress
Consumer complaint received 2022-06-21
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-06-21
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 XXXX 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX. 
Account # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: WI
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 number XXXX, XXXX account number XXXX, XXXX XXXXXXXX account number XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section XXXX states that a consumer reporting 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 explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 Convergent Account # XXXX, Account # XXXX, Account # chapter XXXX bankruptcy, 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 2022-06-21
Company: CORELOGIC INC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Several hard inquiries have been made using my credit that I dont recall I am requesting there removal they are as follows XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Corelogic Credco XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Corelogic Credco XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX was used to deplete my checking account with b of a bank

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 2022-08-19
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Sent a letter to me for possible litigation. They did not respond to my validation letter requesting if they are legitimate company or if they are allowed to collect debt in my state. I sent the validation letter in XX/XX/2022. Still no business license sent or proof they can collect in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing a complaint on SPS because they refused to give me a modification package when I asked for one. They recommended that I go through the Georgia home safe program. When I tried to go through that program they told the company to harass me. They told the company to tell me that they did not get me and my daughter check stubs when they were sent 3 times I want SPS to stop all future foreclosure sale dates until I get a loan modification package from their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased an Amex gift card from XXXX for XXXX gift to mother in law. She tried to use it and the retailer continued to say problem with card not activated. I spoke to XXXX  with my receipt they shifted blame to AMEX prepaid card, I spoke to Amex and they had long wait times and several times hung up upon answer far too many times to be a coincidence. They finally after 2 hours on hold took my issue and provided me a bogus email address to send my receipt copy of card and documents. I XXXX  the correct email address and responded to an email they sent me from another email address as well faxed the required documents to their fax to ensure they had all information confirmed. I followed up on XX/XX/XXXX and they stated they did not receive the documents, I then resent the documents XX/XX/XXXX. I followed up and AMEX customer service acknowledged receipt of all documents and requested an additional 7 business days to investigate and resolve. I contacted them via phone on the XXXX day, however, they then aid they didn't complete the job and escalated to back office and 48 hours later would resolve. I called 48hours later and they said the update is wait another 3-4 business days for a response. No resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-05-31
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Services - Has reported a negative credit reporting to all 3 credit breaurs of {$100.00} i have no knowledge of this account. i am in the process of buying a home. my current score was XXXX until the false account appeared on my credit reports. decreasing my score by XXXX points. 


please help delete this account from my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation