BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: VA
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/2020, Citibank send me an email addressing me by my first name in the subject and in the email body, inviting me to apply for Citibank Reward+ card and to receive XXXX bonus ThankYou points. In particular, the email subjects reads : <FirstName>, we've enclosed details on our lowest intro APR plus XXXX ThankYou Points after qualifying purchases. Consider the Citi Rewards+ Card | Offer expires XX/XX/2020 I have got interested in this offer and applied for the Citi Rewards+ Card on XX/XX/2020. My application was approved, I received the card, and within two first billing cycles I fulfilled the offer terms. However, I did not receive the XXXX bonus ThankYou points. 

On XX/XX/2020, I mailed to the Citibank Customer Service an inquiry about the promised bonus and a confirmation of the offer I received. In response I received a letter dated XX/XX/2020, saying that " Special offers are not available when an existing account in the same product has been approved or closed with 24 months. '' I'd like to point out that : ( i ) I have never had Citibank Rewads+ card before I opened it in XX/XX/2020 ; ( ii ) I do have another ThankYou points earning card, but since the invitation email mentioned " a limited-time offer for our Citi cardmembers '',  this other card was a reason ( not an obstacle! ) for receiving the offer at first place ; ( iii ) the offer was addressed directly to me and mentioned my name ( even in the email subject! ), so I consider it a targeted advertizement ; ( iv ) Citibank knew the history of my approved or closed accounts with them, and it did not stop them from soliciting an application for Citibank Rewards+ card from me and offering me a bonus. 

All in all, I view the practice of calling my name and offering me a bonus and then denying it deceptive at very least. It is also misleading first to advertize " a limited-time offer for our Citi cardmembers '' and then cite the history of opened accounts as a reason for denying the bonus. 

My attempt to contact Citibank and explain the situation did not succeed, and therefore I file a complaint here.

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 2016-03-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are a small XXXX and this home has sat vacant for at least 5 years. We periodically get notices of pending foreclosure that will happen but nothing does. This home owes the association {$4700.00} as of XXXX XXXX, 2016. This home has had multiple break ins and the front door is no longer secure. Additionally the yard is an eyesore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: ALLY FINANCIAL INC.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan on XXXX vehicles with ally financial, in either of these loans I submitted payment online, and was n't sent or advised of any issues with the payment. Today, the repo man appeared at my house, as ally is well aware since providing my benefit statement as a part of income verification, I am a XXXX veteran. This complaint is based upon XXXX issues, first Ally to date has never provided a right to cure statement, which is a legal requirement, any production of such is a production to cover such non action, and false. Secondly I have a Mercedes Benz that I own outright in my yard, the repo man in error placed his jack under my owned car, not attached to this loan, raised my owned car, upon my XXXX, I rushed out the house, stumping my foot, and advised him to put my car down, and check the VIN number, which he complied, it was the wrong car.

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 2022-05-13
Company: Glass Mountain Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Glass Mountain Capitol is trying to collect on an alleged credit card debt that is beyond the Illinois Statute of Limitations for this type of debt in violation of the Fair Debt Collection Practices Act. 

From XXXX : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Further, I have disputed this matter with them over the phone on two occasions and I have asked them to cease from all communications with me as well. I am sending them a certified letter to that effect as well.

Glass Mountain 's account number for this alleged debt is : XXXX  I want Glass Mountain to cease all communications with me and to cease trying to collect upon an alleged credit card debt that is beyond the Statute Of Limitations in Illinois and their attempts at doing so are in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Chase Home Finance LLC, as a mortgage broker, issued a mortgage loan ( loan # XXXX ) using my identity information in 2007. The last 4 digit of my social are XXXX. 

The loan addresses the broker to be as Chase Home Finance LLC, XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX Please provide me the information of the loan that you may have had about the loan, since it's origination up until disposition as o today, so that I can assess and recover any kind of damage it may have caused. 
Thanks. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: JPMORGAN CHASE & CO.
State: NH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a notification via several sources that there had been a hard inquiry on my credit report by JP Morgan Chase Bank. This was not triggered by any activity on my part. 

My biggest complaint is that when contacting this company about potential identity fraud, you are repeatedly informed that the only way anyone can help ( which they hardly do ) is if you provide your full social security number to them. 

This is a ridiculous request of someone who doesnt do business with your company and is calling only because they are concerned with potential identity fraud. There has to be a better way. 

Even after providing that, multiple times, against my better judgement over the past week and a half I have been : *Put on hold for over 30 minutes *Told I was getting transferred to someone that could help me and having the call just end/drop because that department was closed. Frustrating after spending an hour on the phone to get to that point. 
*Left a message for the first time by someone who is supposedly trying to help but the voicemail doesnt contain a name, reference number ( oh great I can provide my social again ), or even a number to call back to speak to someone in the actual department vs starting my adventure over all over again in who knows what department with someone who probably cant help me. 

Most of this I just chalk up to typical big corporation stuff, but please do something about the social security number request. That is a horrible situation to put someone in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Was denied credit for having no credit file which is false and should not count as a hard inquiry due to creditor 's error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXXXXXX XXXX XXXXXXXX claims they update with credit bureaus every 30 days but its not true they reporting based off when they statement month start and ends which is cause me an issue because I paid credit balance off in full XX/XX/2020 and Im being told they cant update credit report with bureaus again until XX/XX/2020 when it should be reported XX/XX/2020 since it was paid in full in previous month of XXXX so Im taking another hit to my credit report coming off the pandemic where I already took so many hits to the report its bad business and as a consumer is causing me to be limited in what actual can obtain because my credit report is still showing delinquent when it shouldnt

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 2016-11-08
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Dear XXXX, It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received {$250.00}. have paid {$360.00}. The principal balance has been paid in full At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I conditionally accepted their offer upon verifiable proof of claim. to date I have not seen any certified proof of claim for any 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 2016-11-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My identity was stolen on XX/XX/XXXX, and the bank was notified about the issue. On XX/XX/XXXX, my stolen ID was used to access my bank account information through a Chase Bank drive thru to deposit a fraudulent check and withdraw thousands of dollars out of my account at XXXX separate chase banks within 20-30 minutes apart with no action taken or alerts on my accounts. Subsequently, my account was withdrawn when the fraudulent checks bounced back and my account indefinitely frozen. Despite three police reports to include an auto break-in, identify theft, and a 3rd police report to share that my stolen ID was found by the police, I have yet to receive my FDIC insured money. It 's currently going into 32 business days. The bank investigator has not even reviewed my case due to an overwhelming volume of investigations. I would like to have an estimated time frame on when my assets will be unfrozen and my stolen funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by Trans Union credit bureau. 

My previous dispute was initiated because of this fraudulently opened account and i am a victim of identity theft. I wrote to the credit bureau about the collection company and disputed the debt reported by XXXX XXXX and its credit collection agent and and have had no response from Trans Union or any assistance in clearing this inaccurate information. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

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 2019-02-17
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All State Credit Bureau ran my XXXX  credit report twice in XXXX without my permission. I have emphatically disputed the alleged debt and they have no grounds to pursue me for any money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Auto Acceptance, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I financed a XXXX XXXX from XXXX XXXX with Auto Acceptance. In XX/XX/XXXX the car was totaled by someone with XXXX insurance. My Collision declared the car a total loss so a check was issued for the value. I also had Gap which should have covered the remaining. Auto Acceptance is still charging me the monthly payment of {$450.00}, reporting to the credit bureau, and sending emails constantly. This can not be right and/or allowed.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$210.00} Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Through my XXXX XXXX Credit card, I have access to credit tracking using TransUnion credit information. Recently, TransUnion moved from TransUnion New Account Model where my credit score was around XXXX ( XXXX ) to XXXX XXXX where my score dropped to XXXX ( XXXX ). The new model shows excellent for on time payments ( a strong impact on your credit score ), excellent on oldest credit line, average on credit used, average on New Accounts, XXXX on Available Credit, and XXXX XXXX on recent inquiries which has a low impact on a credit score. I can not figure out how I can have a below average score with average to excellent scores on XXXX factors and XXXX below average on a factor that has low impact on a credit score. 
I contacted TransUnion for clarification and was told 'the computer calculates the score ' so there is nothing that can be done. i tried to explain the computer can only do this, if there is a human creating the parameters for the computer to make the calculations. The computer can not make decisions on its own but must be told how to make the calculations. I asked for a manager to call me back so I could discuss this. After a week of waiting for a call, no one has called me back. This type of error costs the consumers a lot of money from increased interest and or points on loans. In addition this XXXX XXXX product is pushing the consumer to pay for a credit monitoring service. If the credit scores were calculated appropriately many people would not need credit monitoring services. 
I need someone to look into this credit score calculation. Without regulation, these services have become very lucrative businesses

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 2022-07-21
Company: Source Receivables Management LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Source Receivables Management sent a debt collection letter for a debt that I've already settled. They told me that I could dispute it, and that it would be put into review. I have not received any further written information from them, even after I told them that the debt was settled in full and I have a settled-in-full-letter. They didn't provide an address to give the letter to, they just sent a negative report to credit agencies. Then they called me and attempted to collect again on the debt. When I first discussed this with them, they blamed XXXX XXXX XXXX for not reporting the debt settled, and XXXX XXXX XXXX blamed Source Receivables Management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: WV
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 received two Citi custom cash cards in the mail. One with my name and one with the person of the XXXX XXXX on it. I did not apply for this card. I contacted citi and they stoped it immediately and reported it as fraud

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 2017-05-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells fargo has engaged in my account multiple transactional manipulation and excess fee .charges. On  XXXX   XXXX  I checked my account and saw that if was negative  XXXX . I promptly made  XXXX  deposits on  XXXX   XXXX  to cover this.  XXXX  being a cash deposit of {$50.00} and the other for {$15.00}. At that time my account was drafted again via  XXXX . I was assessed with over draft fees even though my account was not negative from the cash deposit. They manipulated transactions and charged over draft fees to put me in the negative in an effort to charge more on top of those.

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