BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Between 2 - 3 months ago, I applied for a 2nd JPMorgan Chase credit card ( possibly XXXX XXXX ) online, and received message that the company would get back to me. After about 3 weeks, I opened a checking account with JPMorgan Chase, and the branch Banker called the Credit Center to inquire on status of application, but could only confirm the application was received. 

It is now about 3 months, and still no disposition on the application. At time of application, I had less than $ 1k aggregate debt on credit bureaus, over $ 100k income, and FICO scores in the 700 's with all three credit bureaus ( e.g. approx. 740 with XXXX ). 

I believe JPMorgan Chase has violated Section 1002.9-Notification of Regulation B by failing to provide its disposition of a " completed application '' within 30 days. Request your intervention into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We build a house last year and moved in at the end of XXXX. Fast forward to XXXX when we get a letter from XXXX XXXX XXXX that our escrow payment would be going up by {$350.00} a month beginning in XXXX due to a {$4200.00} shortage in our escrow account. I called them on XXXX XXXX, XXXX to see what happened because I found it hard to believe that someone grossly miscalculated our escrow amount at closing by over {$4000.00}. I spoke with a woman who looked into it and noticed that our water tax and county tax were listed as they exact same amount : {$2900.00}. She said there was no way that those two were exactly the same and she put me on hold so she could get with a manager. She came back and said whoever did our escrow analysis made a mistake and she requested a re-analysis be done. She advised me not to make our XXXX payment as the numbers would completely change when they completed the re-analysis. After that, I called weekly to get an update as I saw the analysis had not been redone. I was always told it would be done by the end of the week. I was even told once that I needed to get a water tax statement so they could update it. I then called both our XXXX District and the XXXX County Tax Office and they both informed me that since our house has not been appraised by the county yet, that no XXXX tax documents had been sent out or even generated as they are waiting on the appraisal. This means that {$2900.00} didn't come from any official county documentation and it has not even been paid yet as there is nothing to pay. When I spoke with a supervisor XX/XX/XXXX, I was told the analysis had a close date of XX/XX/XXXX. XX/XX/XXXX comes around and still no analysis. I call again XX/XX/XXXX and speak to a supervisor once more. He lets me know that there was a note from XX/XX/XXXX saying they spoke with the county and that our house doesn't have a certified valuation for XXXX and that he was not sure why they hadn't done anything since they found that out. I have since found out from numerous mortgage brokers that they are not allowed to pad escrow when there are not official county tax documents to back that amount up. I get nowhere when I call these people. No one wants to take the initiative to fix my problem and I will not be stuck paying an extra {$350.00} a month due to their mistake and blatant disregard for general mortgage policies.

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 2016-11-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony bank has called me 7 times in one day, for more than one day. I am less than a month behind on ONE payment. This is harassment and is unacceptable.

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 2016-09-13
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was a CITI BANK customer several years ago. I have closed my checking, saving and debit accts. Recently, I have been receiving notices that these accts are below minimum balance I had set for them. I have complained several times but I still get theses e-mail notifications several times a week. I maintain my mortgage with Citi, but they say they have NO control over them. I have complained to Citi Bank it self and they say they ca n't locate thr origin of these messages. 

Besides being a pest I am worried that at some point they will try to get maintenance charges for theses accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This complaint is against Ally Financial. I have been paying extra money with my monthly payments. I was told to call them and tell them what I want the extra money applied to. For the past two months I have been calling ally and I can not get anyone on the phone who understands English. When I ask to be transferred to an american representative, They either end the call or just refuse to transfer the call. I called ally bank several times last week. The representatives call the call center and could not get an american representative on the phone. This is affecting my credit as I am continuing to incur late charges. I would like to speak with an american representative so this problem can be solved. Thanks in advance for your cooperation. 

Sincerely, 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 2020-01-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equiafax did not send me any proof of their investigation and just sending their letter that they have received the proof of late payment. I was never late with XXXX  account. Also collection account is not belongs to me and i have never open the account wit this company see attached letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company ran a credit check with out my permission. I have never applied for credit from this company, nor have I applied for credit from any company since XXXX. I am very upset. It is wrong to illegally obtain personal information to run a credit check just to advertise to them. The credit check was ran on 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 2022-08-04
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I have had a cash back credit card with Citibank ( Citi Dividend Card ) that allows you to earn XXXX % every quarter on different types of purchases. It advertised XXXX % cash back when you use your card at The Home Depot and any home and garden store between XXXX XXXX and XXXX XXXX 2015. I made a {$620.00} purchase of an outdoor canopy for my backyard at XXXX, which sells home and garden merchandise and is a direct competitor of Home Depot, on XXXX XXXX, but was denied the XXXX % cash back because they claimed XXXX was a wholesale store and not part of the promotion. I believe this is false advertising on the part of Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I cancelled my subscription with Experian premium  services in XXXX and they continued to attempt.to bill me for it even after sending me confirmation i switched to free subscription. In XXXX and XXXX i was disallowed from accessing my report claiming i had to pay XXXX for my subscription. Experian does not allow me to access my info or even open my credit page. It takes me directly to page that demands I update credit info before i will be allowed access. I never signed up for another paid service after switching to their free plan I feel forced to pay for something i never ordered

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 2017-05-24
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contac ted Southwest Credit S ystems on numerous occasions via certified letter and asked that they provide me with a contract of the debt they claim I owe, which bears my signature. Each time they respond with a bill and nothing more. I have repeatedly asked for this information to be provided to me and if they could not provide the information requested, that they remove the debt from all  XXXX  credit bureaus. They have yet to comply with my request to provide me with a contract or remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Upstart Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upstart Network Inc illegally obtained my information and ran a credit check in order to advertise to me. I have never given them my social security number, nor filled out a loan request. They hacked my info and filled one out for me, then ran my credit. There is no signature from me giving my permission, nor have I ever even clicked on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent a letter asking for debt verification and to be placed on the do not call list. I received a letter today but not with the indormation I requested.

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 2016-12-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My account was closed for cause. I deposited two third party checks and the next day my account was frozen and closed for cause. I ended up having to call the check issuer a and have both checks re-issued. Wells Fargo has reported to XXXX that both my savings account and checking account were closed for cause which has caused me to be unable to open a bank account. The banks are too quick to close for suspected fraud which is causing many consumers unnecessary inability to open a bank 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 2021-09-26
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received offers by email for " 0 % APR for 7 months ; 0 % promotional APR on all your new purchases including online purchases, made between XX/XX/2021 and XX/XX/2021 with your Wyndham Rewards Visa Card. Use your card and save on everythingfrom everyday purchases to big ticket items. '' However, after making purchases during this time period the company is saying it wasn't 0 % by transaction and that even if I bought something on XX/XX/XXXX to avoid interest I would have to pay the purchase in full by XX/XX/XXXX to avoid interest. I asked how does this correlate with 7 months of no interest as the promotion stated. I made the purchases during the promotion period with the understanding that I would have 7 months of no interest on the purchases and on all purchases not just the ones made in XXXX. This is extremely misleading since the offer, as they have now explained, really just meant only purchases made in XXXX would get the 7 months of the 0 % promotional APR. I had even called on 2 occasions before expecting this offer before the deadline to accept it in XX/XX/2021 and the offer was not explained in the manner they are now saying it was to work. This offer was very poorly written based on the way they are now enforcing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to call my bank account information today at wells fargo XXXX/XXXX/2015 and they told me my account is closed. My local branch here in XXXX told me I had to open a new one now after a month of it being open it is now closed. I did n't receive anything in the mail I was kept in the dark. My original account was never closed like this until it was hacked into wells fargo told me, I do not appreciate being done like this and I need my social security money and now I will not be able to get it. I know the people who is behindthe wrongful closure of my complaint the XXXX manager XXXX and XXXX XXXX who falsely accused me of harassment. I will be suing wells fargo for the emotional distress they are causing me. Well why did n't they close my first account and now that I open a new one they close it out of the blue. There was no need for them to close my account after they told me to open a new one. I 'm glad I called about it before I purchased something or I would had been embarrassed. This is treating the consumer unfair and unjust. But I know what is really going on and who is behind this dirty deed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC loan # XXXX with Flagstar. My loan was under forbearance due to Covid-19. The original loan contract had a provision for 0.5 % loan rate discount if the loan is set for AUTO PAYMENT from the Flagstar checking account, which I had all alone until the forbearance. When I restarted my regular monthly payments in XX/XX/2021 the 0.5 % rate discount was removed. Flagstar tells me the discount of 0.5 % was removed because of something I did. I wholeheartedly told them this was wrong and I need their help to get the discount of 0.5 % back on with AUTOPAYMENT setup from checking account # XXXX at XXXX. 

I feel Flagstar is just trying to take advantage of the situation and force me to a higher rate because their currently offered HELOC rate is at 4.99 %. This translates into additional {$500.00} per month for extra 0.5 % in interest rate. The re were supposed to freeze my loan while in forbearance with all the original loan terms and continue with the same terms when my repayments restarted in XX/XX/2021. 

I spoke with numerous supervisors/managers .... These are just 2 of the 5 managers I spoke with... 
XXXX XXXX, XXXX, supervising mgr in HELOC servicing, XXXX XXXX, XXXX, superviser in HELOC servicing, This department 's email for management is XXXX. 
Please help me to get this issue solved and under control. 

Additional monthly increase of {$500.00} is a tremendous burden on our family 's cash flow and may put this loan in jeopardy again. 

Thank you, 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 2022-04-14
Company: World Acceptance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
This one in particular loan world finance incorporation went from my home state which is XXXX South Carolina to XXXX South Carolina XXXX South Carolina and XXXX South Carolina and my thing is if someone was using my information because I'm filing it as a theft accept unauthorized charge the amount that they apply for was XXXX I think it was an unsecured loan and the charge off was XXXX but my thing is if someone stole my identity how can they go into a big loan office like this and apply for service and it's not me so yes I do have a complaint about this I've been trying to get this off of my credit because this is one of the main things that's on my credit that's holding me back from getting a lot and I did not do it I honestly did not do it so can you guys please help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
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: Account information incorrect

Complaint:
Company states the dispute was not specific

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 2017-08-16
Company: Triton Management Group, Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
X/XX/2017 Always Money, XXXX, SC. Today we were point blank told " we can legally call you 3 times a day ''. This is in fact a LIE and not the first time this company has LIED to us about the account. As far as I am concerted this is excessive calling and harassment Always Money calling 3 times a day causes stress and conflict.. Always Money is in violation and we need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Happy Money, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX of 2021 I reached out to make a payment towards the principal of my loan. I paid {$10000.00} and there was still a high amount of interest taken from the payment. Today XX/XX/2021 I logged in to my account to make a payment towards the principal and I don't have the option to do that. The web portal only allows me to make a payment in full. I started a chat with a rep who stated I could make my payment and then make another payment in the exact amount ( in full ) and she thought that would go to principal. I told her I was not wanting to make another payment in full but just an additional amount of {$500.00} to go towards the principal of my loan. She said their web site does not provide that option to those clients who make payments manually but that their ( auto pay ) clients have the option to pay extra like that online. That I would have to mail a check that would need to be received within a certain timeframe for it to work for me. I told them I should have the same option to make extra payments to the principal of my loan regardless of how I was set up to make my payments. It's harder for me to pay my loan down than it is for someone else because I pay manually online. I told the rep it felt like I was being punished for the way I was making my payments. I was informed the rep would send my request to the production team. It doesn't seem right

Company response to consumer: Closed with explanation