BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my home in Connecticut in XX/XX/XXXX, and have lived on that premise since then. 
On XX/XX/XXXX, I refinanced the mortgage. 
After closing of refinancing, I got fired from my job on XX/XX/XXXX. 
I was unemployed and collecting unemployment benefit, but I was current on my mortgage. 
I have tried to find a job but wasn't successful until XX/XX/XXXX. 
I got a job offer from one company located on North Carolina and I took the job even if it offers significantly less compensation. I was making XXXX from my previous job, but I am making XXXX from my new job in North Carolina. I need to take a salary cut over XXXX but it is still much better than collecting unemployment benefit. 
I need to relocate with my family to apartment in NC, but I would like to keep my house in Connecticut because I love to come back later time. The distance from my home to my new job is about XXXX miles away. 
I contacted my mortgage company, Chase Bank, asked for a permission to convert my home to rental home from primary residential because it is only way for me to keep my house while I am working and living in NC with less income. 
Chase bank rejected my request. 
Reason for rejection is even though distance is over XXXX miles away, new job changes should be made under same employer to get qualified. 
I would like to keep my old job with much higher salary and live in Connecticut, but as I mentioned I got fired and moving to North Carolina is inevitable. Considering my current salary, I cant pay both my mortgage in CT and pay rents in NC. 
I do not understand the decision from Chase and believe there must be a way to get helped to keep my house. 
Thank you for your support Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
During a move into a new residence, I had signed up for a line of credit with a local carpet store, XXXX XXXX in XXXX 2016 to finance half of the total carpet installation cost. I was told that the first 12 months were interest free. This left me to understand that I would be charged no interest for the first 12 months and if I was, it would be on the left over amount after 12 months. This deferred interest was not properly explained and I was blindsided by the 200 % increase in my last bill. This is more infuriating since I have about 3 payments left to make. Furthermore, the statements did not arrive at the correct address and so I only began making payments in XXXX 2016 which led to believe the 12-month repayment period will begin in XXXX 2016. However Synchrony Bank did n't offset the start of the 12 month period from the first payment but rather kept it at the date of borrowing, XXXX 2016. I am writing to ask that I repay the leftover amount in total without penalty. My over-payments in past billing periods will prove my intentions to meet the 12 month repayment obligation. However that was upended by a lot of misunderstanding.

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 2020-01-06
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : LVNV FUNDING LLC Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify &  delete this information ) Creditor : XXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verifXXXX & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. 

Thank You Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible

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 2022-10-07
Company: PNC Bank N.A.
State: FL
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:
Notified PNC of fraudulent activity on my card credit card on XX/XX/22 just a month after last reporting PNC for poor fraudulent practices. 

They turned off the credit card as expected and are sending a new one. 

However, disputed charges still remain AND IN ADDITION, PNC charged me a transfer fee without notice or agreement. I was charged a transfer fee from their card to their card while a victim of fraud. Shame on you PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I wanted to LOWER my credit card LIMIT on my Chase Southwest account to {$500.00}. I called Chase & was told this is possible but I would need to pay off the existing balance first as it was over {$500.00}. Once the payment posted, I would need to call back to LOWER the LIMIT. So I called back XXXX XXXX, 2017 & spoke with a supervisor. She assured me the LIMIT would be lowered. I called back around XX/XX/XXXX to check to make sure the LIMIT was set for {$500.00}. I was told it was. Next, I get a bill for {$1100.00}. I called Chase & asked how this is possible since I LOWERED the LIMIT. I was told I have an access line - so to prevent embarrassment they do not decline transactions. So what was the point of jumping through all the hoops to lower the limit if they are n't / do n't honor it? Not one employee or supervisor mentioned anything about being able to go over the so-called limit & there is no limit to the limit! I was told they are not obligated to tell me this. I was told if I want to increase the  limit I would need to re-apply- what is the point? I have since closed the account but wanted to bring this to your attention as I find the practices used by Chase as despicable. The charges are mine & I paid them but the point is I was expecting a bill for {$500.00} not over double.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding CONN CREDIT CORP Account No. XXXX listed in my Credit File with XXXX. XXXX XXXX XXXX is attempting to collect a debt on merchandise ( Electrolux Washer & Dryer ) returned next day after delivery. Therefore, this debt should have been cancelled null & voided. I have sent numerous certified letters to dispute this debt that came into light some six years later! XXXX XXXX XXXX delivered the said W/D that was on the Showroom Floor, not as a brand new " still in the box '' merchandise and then tried to commit fraud because the said merchandise was discontinued by Conn 's and was no longer carried into its ' inventory!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: CMG MORTGAGE, INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage, loan number XXXX, with CMG Financial, a division of CMB Mortgage Inc. I have been calling since XX/XX/2019 to request what they call a netted payoff, since my escrow balance is significantly more than what I owe on the loan. I also called them XX/XX/XXXX, XXXX, XXXX and XXXX. I was promissed a payoff that would take place and on the last phone call was told the loan would be paid off on or by the beginning of XXXX because FHA requires the payoff take place at the beginning of the month. My loan is still not paid in full, acruing just a little interest since the balance is so small, but I've also been charged PMI for XXXX and XXXX, thanks to their inability to do what I asked. I need the loan paid off, without the inconvenience of sending certified funds when the escrow balance is more than sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have repeatedly requested the credit card fee waived under their SCRA terms and conditions. There have been two requests submitted, but the charge remains.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-23
Company: CCS Financial Services, 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:
Someone used my name and date of birth to have immigration XXXX/XXXX XXXX done in XXXX New York at XXXX XXXX office in XXXX 2016. I live in XXXX South Carolina and was at work in XXXX on that day with proof of that. XXXX XXXX office sent the bill to XXXX and when it was n't paid XXXX sent this to CCS, Credit Collections Service. When I received this bill in the mail I called all three business 's with little help. CCS refused to speak to me on behalf of this account. I filed a XXXX with the local police department and I want to make sure that this is not placed on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed outstanding debts on my credit report and immediately contacted the company. I wanted to get a statement, and to pay the debt online. The agent refused to give me the information to get into the account online and repeatedly tried to bully me into paying the debt over the phone without a statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX and Transunuion have been notified that an old Georgia tax lein, file in XXXX XXXX Georgia, has not only been paid in full, but is also released, but is also past the statute of reporting on the CRB. However, these two companies are damaging my efforts to move on, they are making me die inside, they are holding this item on my credit report and refusing to remove 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 2017-07-23
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested 3 times that XXXX and Equifax investigate inquiry 's on my reports. They refused to do it and say to contact the people who ran the credit. These are not my inquiry 's so when I call to ask the company 's they never send anything to me. I have tried to get it resolved with XXXX and Equifax with no results. So the credit agency 's are not removing these inquiry 's. These are XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are on Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX I was the victim of identity theft that initiated from taking over my cell phone SIM card and service number. On XX/XX/XXXX I again lost service to my cell phone and was told that someone claiming to be me took over my account and was now using my XXXX XXXX XXXX cell phone account and number. I then learned that this individual opened and was approved for at least three credit cards in XXXX XXXX XXXX by providing my name, my Social Security Number, my correct home address, my birth date, a Pennsylvania state-issued drivers licence ID, and my cell phone number. I have contacted the PA police and the XXXX police departments, but have been told that they are unable to help. I have put a fraud alert on my social security number. I spoke with the XXXX XXXX store clerk in XXXX and they do have video surveillance of the person who was opening two of the credit cards with my stolen identity on XX/XX/XXXX. The police departments are not concerned about helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: MS
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Early Warning Services, LLC
State: TN
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:
Under the Fair Credit Reporting Act 15 USC 1681a under exclusion b, anything that was extended or authorized from a credit card should be excluded from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My husband and I received a Giftcards.com gift card for {$150.00} as a wedding gift in XXXX of XXXX. It was meant to be used on a trip to a specific place, so we waited to use it until traveling there this XXXX. As the card doesn't officially expire until XXXX, we assumed we would be able to use our gift card now. The {$4.00} per month fees on the card are so usurious, however, that the balance on the card had been whittled down to zero before we even activated the card. The fees on the card amount to an interest rate of 40 % per year ( $ 4.95/month on a card value of {$150.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I completed a refinanc e in  XX/XX/XXXX . This refin ance paid in full a loan I had wit h    XXXX   XXXX   XXXX   at  XXXX .  XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX . Instrument number  XXXX  dated   XX/XX/XXXX  for  the amount of {$15000.00}. ln #  XXXX  date no satisfaction of lien or re-conveyance has been recorded to remove this lien from my title.   I have confirmed that  XXXX  acquired     XXXX   XXXX   XXXX   on   XX/XX/XXXX . Ac quired     XXXX   XXXX   XXXX  ,  XXXX   (   XXXX   ) i n  XXXX , DE.

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 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This continues to be an " ongoing '' complaint I have submitted against TransUnion concerning my XXXX XXXX acct. TransUnion continues to show me as having a high balance around XXXX but it was due to the reduced overall credit limit by the company that was the holder XXXX XXXX XXXX XXXX ) I called the bank and they were unable to correct because they sold the account. I contacted XXXX XXXX to update and report that my high balance was actually XXXX with a XXXX dollar balance. TransUnion also did not correct my payment XXXX I do not pay XXXX but always XXXX dollar payments per month. I currently now have a XXXX XXXX XXXX that should not be for I have not requested credit and I paid off two major accounts totaling close to XXXX XXXX XXXX and XXXX XXXX XXXX in 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 2018-01-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Old information reappears or never goes away

Complaint:
Bayview Loan Servicing LLC has not responded to a QWR that I sent them certified I asked for all the LEVEL ACCOUNTING and Proof of this PURPORTED DEBT they are trying to collect on. They need to remove themselves off of my credit report at once and they need to Stop Harrassing me. They also need to stop stealing my identity, I am going to press a criminal complaint against them. They have nothing to do with my property!!!!! This account was paid and closed by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX!!!!

Company response to consumer: Closed with explanation