BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
This morning I receive an email notification from XXXX ( 3rd party fraud/financial monitoring service ) that the APR increased on my Chase credit card ( from 5.49 % to 5.74 % ). I was very surprised by this because 1 ) I had never received any notification from Chase about this change, and 2 ) an APR increase reflects that Chase may perceive me as a higher risk, which concerns me because I pay my balance in full every month. 
I called Chase to ask about this change. The first person I spoke to looked up my account history and stated that there has never been any change to my account since its inception, and that it had always been 5.74 %. After hanging up, I went and checked my individual statements. In fact, the rate was increased between XXXX and XXXX 2016. I then checked my emails and texts ( since I 'm on paperless billing and receive text alerts from Chase ), and there were no messages on this either. 
I called Chase a second time, and this time the representative said that this change was made, and notices were sent to everyone ( although I never received any specific information confirming that the information had been sent to me ). 
Since I do n't carry a balance, I am not directly financially impacted. But I am deeply concerned that a bank would increase rates without notification ( if I were carrying balances, I would have had no opportunity to make alternative financial plans in advance of the change ). I am very troubled that XXXX calls within the space of an hour elicited such difference responses in terms of what actually happened with respect to the rates on my account. I am left wondering whether the operational processes are adequate, and if this can happen so easily, what else could happen. As a customer, I do not feel valued when the rates are increased despite my impeccable payment record. One agent mentioned that I do have the option to close the account if I do not agree to these terms. This feels a bit drastic in my particular situation, but I do feel strongly motivated to shift my spend to other providers, as something feels fundamentally wrong when a bank changes rates without notification or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 at XXXX XXXX XXXX XXXX, I was called by XXXX at Rocket Mortgage. After hearing XXXX initial pitch I asked him to out me on the do not call list. Instead of agreeing, he attempted to rebut my objection. This happened three more times until I asked XXXX for his license number and to speak to his manager, at which point he hung up on me. I called Rocket Mortgage twice to complain about XXXX behavior. The first time, they said they were transferring me to XXXX  supervisor and then they hung up on me. The second time, they gave me an excuse as to why I couldnt speak with a manager and I told them I would file a complaint. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
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: Investigation took more than 30 days

Complaint:
Customers who pay for unlimited mobile data have a right to expect to get ... Then when I try to call I'm told I have very little time or a XXXX balance. ... I was a costumer with XXXX XXXX XXXX and out of XXXX Billing Cicely 11 where wrong. 

XXXX  trade in XXXX XXXX incorrectly charged XXXX customers for exceeding data cap btw that was from FTC i filed also

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an unverified account from XXXX XXXX account # XXXX that was placed on my credit report and I have been trying for over 4 months to get this entry removed. I have spoke with numerous representatives, supervisors and even managers in regards to the erroneous account and i have yet to get it resolved. This is my 3rd dispute in which I am currently waiting for results. I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a letter with a statement saying " the account is verified ''. I demand that this unverified account : XXXX is PERMANENTLY DELETED FROM MY CREDIT FILES due to lack of verification and INACCURATE 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 explanation
Consumer complaint received 2021-03-14
Company: CITIBANK, N.A.
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:
Citibank promotion : If I deposit $ XXXX.into a new checking account, leave a minimum of {$50000.00} in the account for a minimum of 60 days, Citibank would deposit {$700.00} into that same account. 

I made the {$50000.00} dollar deposit on XX/XX/XXXX, my 60 days were over XX/XX/XXXX. 

I called Citibank around XX/XX/XXXX to see why the promotion money has not been applied. The customer Service Rep said " it can take up to 90 days to see the deposit '', Wait ... what,? 90 days in this world of automation?.

The Rep also stated that to avoid any service charges on my current account, I had to maintain the {$50000.00} balance.

So, it works out that Citibank is keeping my money for 150 days before they apply any promotion money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I attempted to dispute something on my credit report with Experian online. They made it yet especially difficult for me to dispute online. Each time I attempted to dispute online, I was advised I needed to mail a copy of my ID and other form of ID to them simply to file a dispute. Also, I wanted to permanently remove a security freeze on my credit report again this was difficult as I had to provide a time frame for which it could be replaced back onto my credit file. I wanted it permanently removed Credit reporting companies know what they are doing and simply take advantage of consumers and make things so difficult for people these days. I also have XXXX XXXX XXXX accounts I never initiated or applied for on my credit with Experian. The other XXXX bureaus have thus removed this from ny credit report but Experian has not done so and I do n't understand as to why. These are my grandmothers accounts and are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify. if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$670.00} XXXX/XXXX XXXX {$810.00} XXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$1500.00} XXXX  XXXX {$890.00} XXXX XXXX XXXX {$770.00} XXXX/XXXX XXXX {$1300.00} XXXX XXXX XXXX {$960.00} XXXX/XXXX XXXX XXXX XXXX {$1400.00} XXXX/XXXX XXXX {$4000.00} XXXX/XXXX   XXXX {$2000.00}

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 2022-03-28
Company: WELLS FARGO & COMPANY
State: GA
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 was in and out the XXXX XXXX XXXX XXXX XXXX, so I wasnt actively paying attention to my bank activity nor did I realize my card was stolen because I was inside & only making purchases online where I was using my saved card details. A little over a week ago I was alerted that my account was in the negatives which made zero sense to me so I called and and had a discussion with my bank. After reviewing some charges I seemed there was multiple out of state charges so I called my bank and we filed a dispute, they told me to give them 10 business days to find a resolution. On the 9th business they closed they dispute and told me they didnt find an error which is impossible because I was not in Florida XXXX I have doctor appointments to prove and hospital records. 


The charges are here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-10-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Submitted additional payment requested to paid toward principle. End of the year checks returned for overage even after talking to mortgage department still they refused to apply extra payments toward principle.

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 2022-10-26
Company: Resurgent Capital Services L.P.
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 have disputed the validity of a debt with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has advised they were deleting the tradelines from my credit report. However, Resurgent has failed to delete their collection. I sent them a validation letter on XX/XX/XXXX and they have yet to reply. It is beyond the 30 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: GA
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:
Ive tried on several occasions to dispute the below on my experian file. I keep getting a message that reads my request cant be processed online. 

Pls remove the below as they have no association with me and should not be on my credit report. This is considered fraud if any of the below are associated with my file. Pls remove immediately. 
Name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-03-14
Company: Resurgent Capital Services L.P.
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:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and LVNV FUNDING/XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: SC
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: GA
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 filed a complaint with experian on XXXX for not updating with credit bureaus. XXXX updated account for a while than stopped. As of now the account has not been reported since XXXX of XXXX I spoke with someone about trying to get this corrected and they refused to update my xredit report, unless I am in tbe process of completing a purchase only.

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 2021-03-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This organization called Paypal, had collected funds of XXXX sales in XXXX, had held it for 3 to 4 weeks, than sent email that fund was available. Tried to transfer funds to two differnt accounts, XXXX XXXX, and XXXX XXXX account, both times refused to transfer claimed that account was not proper for their website. Three months past, tried to send the funds, EXACT AMOUNT to my service provider lady, to empty the available balance. Paypal had a valid credit card deposited with them for expense issues of XXXX servive, which was used fraudulantly to purchese services instead of sending the available funds to my service lady. I am living in the XXXX border area of XXXX XXXX, when a problem comes Paypal CHANGES THE LANGUAGE TO XXXX, UNABLE TO UNDERSTAND, or claims unusual activity an blocks the site to access to finish the complaint issue, WHICH JUST WAS DONE AFTER FILING THE ISSUE AND DEMANDED TO CLOSE THIS ACCONT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: NJ
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 ask equifax to investigate a problem on my credit report they told me they verified it with a third party lexis nexis and they never investigated it because I have a security freeze on that I will forward you the information. They said they looked into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: IL
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 have tried to have a security freeze lifted from my account in order to enable me to purchase a home. I have called three times now ( each time being sent to various customer service agents after insisting that I needed an answer ) from XXXX. In each instance I am told they can not find my account and that the " system is updating '' and to call back later. In each instance I have called back I get that same message with no further information. My husband was able to access and unlock his freeze on the same day, and they communicated to me that is was a system-wide issue, which was clearly a lie. The customer service agents told me multiple times it is out of their control and that they don't see an answer for me ( basically that it is what it is, other than that they've sent Equifax IT a note and hopefully they can someday figure it out, but without any further guidance on when or how this will be fixed ). This is preventing me from proceeding with my life. I did not have issues with the other two reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company has not paid my taxes in a year. I have called 6-7 times to request payment. Every time I speak to them they say that they will pay the taxes and have not. I am concerned that a lien will be put on my 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 explanation
Consumer complaint received 2022-10-26
Company: Opportunity Financial, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX took over my charge off a Wells Fargo Credit and has since upped what I owe by over {$3000.00}. How am I supposed to make good on a past debt when the collection company uses a tactic such as this. How can XXXX XXXX charge me additional fees and interest when I never contracted with them, nor have I ever spoken with this Company. This is predatory and unfair to myself, the consumer, when I am trying to work out paying this debt back. I am beside myself at what to do at this point.

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