BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a Macys American Express card. In XXXX XXXX, I noticed that there were XXXX charges listed on statement that were fraudulent charges ( XXXX purchases from XXXX store that were shipped to XXXX, but I live XXXX ). I called Macys immediately and was told to file a " Statement of Fraud '' and send to the Fraud Investigation Department. I filled this paperwork out and faxed to Macys on XXXX/XXXX/XXXX. I followed up and was told that paperwork was received and my credit card would be cancelled. I specifically told Macys in my phone call and on the letter that was faxed with the fraud report that I did not want another card and wanted this current credit card cancelled immediately. I thought all was taken care of, but continued to receive a statement from Macys showing the fraudulent charge as outstanding, however, there was no interest or minimum payment due, so I figured that eventually the balance would be taken off since was fraudulent. 
I called Macys on a number of occasions to ask why I kept receiving this statement with an outstanding balance, and they assured me that the card had been closed out and the balance would be taken off. In XXXX XXXX, the statement started to show a minimum payment due - as if I was supposed to start making payments on the fraudulent balance! I called the Macys ' fraud department on XXXX separate occasions after receiving this statement and was put on hold and eventually disconnected. I could not reach anybody at the credit company. On XXXX XXXX, XXXX, I drove to Macys at XXXX XXXX XXXX to speak with a manager. The manager took me in a room and place a phone call to the credit department and handed me the phone to speak with the person on the phone. 
The manager left and I never saw her again. In the meantime, I was place on hold and eventually spoke with a lady named XXXX # XXXX who indicated that she was in the XXXX location. I explained to XXXX my problem, and she put me on hold for XXXX minutes. Eventually she got back on the phone and told me that I would be receiving a letter stating that my account had been cleared. It is XXXX XXXX, XXXX, and I have not received this letter, however, I just received a statement from Macys American Express with a NEW credit card account and the balance from the card that had fraud has been transferred to the NEW Account! The NEW account is showing that I have a past due amount. I never gave Macy 's permission to open a new credit card in my name and I specifically told them in telephone conversations that I did not want a new account and I wanted the old account closed immediately. I have been on some forums and realize that there are many people who have had this problem with Macys credit, and I am concerned that my credit score will be affected.

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 2015-07-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I purchased an item from Home Depot interest-free fro six months. XXXX, XXXX, told me that there would not be any interest for six months. Butas I was making payments, they added interest, back dating the initialdate of purchase. Now without resolving this problem, they have inflatedthe amount by adding interests, which is not proper at all. Additionallythey cut down my credit line to the amount owed to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 following are incorrect inquiries on my report. I did not authorize these. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2021-11-11
Company: Experian Information Solutions Inc.
State: TN
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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

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 2016-10-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding loan # XXXX JPMorgan confirm their findings as provided before. 

However, for the record please note that apartment XXXX 'never ' had an equity loan. I had another apartment, which unfortunately I was almost forced to sell last year, XXXX against which I had maintained a line of credit. The loan with JPM which I believe must 've been taken under WAMU or even Dime Svgs Bank, was taken a long ago which matches the XXXX filing. This line of credit 'did not ' exist up until recently as JPM seems to indicate. 
I have been asking about the line of credit that was been reported every time I called to get a status on my current mortgage loan, but never got a straight answer. Instead JPM had in their files a UCC under a complete different apartment number and owner listed under my records. 
I 'm glad that this issue got finally corrected. 
I am very disappointed though at JPM 's decision to not respond to my question regarding the loan they issued to XXXX XXXX XXXX XXXX XXXX in 1996 ( originally thru Morgan Trust Co ) As a shareholder in that Co-op I should be able to obtain the requested information. I did n't realize how bad the real estate market had hit until I started to review some documentation for the Co-op which raises some questions which oddly enough Management Company, Sponsors, accountants, etc have kept secret all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
Home Depot somehow was able to run my credit and get a credit card for me even though they misspelled my name. That is incredibly scary. I called and cancelled the card, but how is it possible for credit to run if they do n't have the correct name?

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 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America has defrauded me and has coerced me into paying a debt that they have already collected on. They are violating my consumer rights!

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 2017-01-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
XX/XX/2016 as I was checking out at the Home Depot Garden Center in XXXX, TX, the cashier said I could get a {$25.00} discount on my {$56.00} dollar purchase by applying for a credit card. I ask how long the application would take and she said less than five minutes. I said okay. 
The cashier fill in the application. I answer every question correctly. 
I have never received a bill. 
Based on a credit report of my account not long after, I believe Home Depot foolishly and/or negligently assigned my account to Citi Card Services. I have never received any mail from Citi. 
I believe whoever set up this application process ignorantly and/or negligently did so thinking everyone gets mail delivered to their street address. I am presently at my XXXX address where I do not receive home mail delivery. If any bills were foolishly sent to my home address, naturally I did not received them. 
In the last month I have received repeated phone calls from the same lady with a foreign accent about this bill. I have repeatedly told her that the bill must be sent to my post office address. Still no bill. 
I am enclosing my check for {$31.00} for the amount I owe Home Depot but was never billed. I am clever enough to go on line to get a mailing address. Interesting that XXXX major cororations like Citi and Home Depot can not get mailing addresses. 
Naturally, if I still have any credit card account opened, I want it closed.

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 2016-02-05
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
None of the options above fit my complaint ( had to pick one ). BC Services debt collectors, used my name on a message to get me to call them, and then when I called the representative asked about a debt for some one else, who I do not know! When the representative looked at some info. after I confirmed my phone number, she said there is some information about you. I said what info. and she said I need your DOB. I said I would not give her any more info., as her company called me. 

She said, then we will send this in the mail. I said what info. are you talking about. She said, I need your DOB in order to give that info. to you. Again, I said you called me. Conversation ended, and to say the least, the tactics and practice used by this debt collector is not acceptable. 

Do n't use my name and then make it sound like you have some dirt on me in order to get me to give you more information!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, also Account # XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not 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 2022-05-31
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
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:
For some reason, my mortgage company it been reporting me like a miss payment, when i has the probe of those payment, they open an investigation and always< I was right now my record it is damage, and the want me to fixed that!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I graduated XX/XX/XXXX and had my loans consolidated and put on income contingent. My account has never been delinquent or has had a missed payment. I went back to school after XX/XX/XXXX which put me in another deferment and my subsidized loan interest were being paid by the government. A couple times I went below the minimum hours required and when my deferment expired I requested an economic hardship because I qualified. I was told each time to go on a forbearance even know I qualified and requested economic hardship as well as faxed all the required paperwork. I should have 0 interest built up and capitalized on my principal for the subsidized loan as the government should have been paying my interest on these but because they put me on forbearance in which I did n't request it has been accruing interest that has capitalized each year. I asked and submitted documents every time this happened and made sure I requested economic hardship and each time I was told by them they could only put me on a forbearance. I finally complained to them and XX/XX/XXXX they finally put me on economic hardship but it is showing that interest on my subsidized loan has continued to accrue during this time and the government is not paying the interest. I feel that they have purposely ignored my request each time for economic hardship and put me on forbearance to increase my debt. Interest on subsidized loans under economic hardship should be paid by the government but in my case it appears that I 'm going to have to pay it. Something is not right! They are now looking into it which makes me wonder how many others are getting XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is 30+ mistakes on my credit report! I have highlighted the mistakes. I have also sent 5 dispute letters but there has been no change! I have attached all documents. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: NJ
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:
This is a fraudulent inquiries from a dark web exposures are as follow 1 - XXXX XXXX  XXXX. - 2- XXXX XXXXXXXX XXXX XXXX 3 XXXX XXXX XXXXXXXX XXXX 4-XXXX  5XXXX XXXX  6- 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 non-monetary relief
Consumer complaint received 2021-11-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was fraudulently charged {$50.00} on XX/XX/XXXX, on that that day I spoke to a supervisor and was told that my money would be back in my account in three days. This did not happen. I called back on XX/XX/XXXX and spoke to a person by the name of XXXX who made no effort to resolve the problem. I would like my money back.

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 2015-08-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
redit disputes were submitted by mail certified on XXXX XXXX 2015 and were received by XXXX XXXX 2015. I was emailed the results of my credit report on XXXX XXXX, 2015. However, when I pulled the credit report it had XXXX XXXX 2015 on it but this is not when I received it. It shows yet another date on the dispute resolution with a start date of XXXX XXXX. Since it was pretty quick to send this by email. I should have received this on the XXXX of XXXX 2015. It is much quicker than mailing it out so it should not have been a problem. Why date the credit report for XXXX days earlier and it was not sent? I am attaching the email showing that I received this on XXXX XXXX 2015 at XXXX. I am requesting to have all negative credit information I submitted to you to be permanently deleted from my file per the Fair Credit Act or the credit bureau can be charged {$1000.00} for each item I am attaching a copy of the email I received on XXXX XXXX, which was dated 2015 dated for XXXX XXXX. Also, I would like both XXXX and XXXX notified as well. This is false information. Email takes seconds to send and not days. I am also attaching the letter that I originally sent and I am scanning the certified mail information and attaching that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: AMERICAN EXPRESS COMPANY
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:
I have been calling American Express since XX/XX/XXXX. I was offered a promotional bonus of XXXX rewards points for spending XXXX  $ to upgrade to a new card. My original call was simply seeking a replacement card. I was convinced to upgrade due to the great promotion. I spent required XXXX $ within the first month and was denied ever being offered this promotion. I have been calling since then over 10 times speaking to muliple representatives and supervisors to review the call. All tell me they will call me back within 48 hours. 3-4 days later, i keep calling to file a complaint and i recieve the same run around and am asked to explain a 20 minute story to 2-3 different representatives/managers. All appologize and agree with my frustrations and continue to do the same, give me a 48 hour call back period and i keep getting the same run around. I want to have a solution to this or i will cancel my account and my wifes. I dont want to support a company that is wasting my time and not acknowledging what was offered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XX/XX/XXXX, I checked my credit report with XXXX and noticed that Equifax has put an account back on my credit file that was removed on XX/XX/XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a guy by the name of XXXX and was told he ca n't help me because I need to submit an ID. I explained that he already has my ID on file he hung up on me. Called back and got XXXX basically she was willing to help until she read the message that the previous gentlemen wrote on my account. Their customer service is horrible and that 's why they 're getting sued. Basically, XXXX downplayed the CFPB website stating that they 're a 3rd party and their not valid when I told her I 'll upload my ID to their website. My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting XXXX Acct # XXXX on my credit file and they should n't. After their investigation, they responded to the CFPB that it was removed. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
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: Personal information incorrect

Complaint:
I sent updated letter to XXXX XXXX and tranuion to updated my current address and employer and my phone number all 3 credit bueaue Bureau all 3 credit bureau are stated can remove other addresses because the address was giving about a creditor, there one address never belong to XXXX it starts with I had never lived at the address

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 2018-03-20
Company: LD Holdings Group, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Please see attached letter of complaint that was sent to both Loan Depot as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The loan officer involved, XXXX XXXX XXXX, AL LIC # XXXX, was the loan officer involved. She was the loan officer for the buyer of my home. The letter will explain in detail the delays for two months in closing the house, her incompetence and negligence, as well as unethical and possible illegal behavior. Not only did I incur thousands of dollars of unnecessary expenses, but her client ( my buyer ) also incurred expenses, as well as the seller of the house I was to purchase. Because of XXXX XXXX negligence it was a domino effect that resulted in 10 's of thousands of dollars being spent by families unnecessarily, not including the stress and strain it put on families. 

At the bottom of the letter you will also see the others to whom the complaint was submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was given a utility grand by XXXX, the grant allow my bill to become current before I had to disconnect the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened Citibank checking account in XX/XX/2022 and I transferred a total of {$15000.00} from my XXXX XXXX XXXX. A week after I opened my account, Citibank decided to close my account and accused me of fraudulent activity. I provided the approval of the fund and all of the documents to Citibank but in early XXXX, they decided to close my account. I have never received any mail, email, text, call, or information regarding my bank closure. I found out this information because I keep calling and visiting their branches. They promised me to send a check within 60 days but they just sent me {$200.00} and the rest of the {$15000.00} I haven't received it until today which is over 3 months already.

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