BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried to contact JP Morgan Chase about a Home Equity Mortgage Loan that was opened on XXXX and was part of a shortsale conducted in XXXX. Chase has not responded to my request for them to correct their credit reporting to the credit bureaus. I have sent them XXXX correspondence in writing, and also filed disputes with XXXX, XXXX, and XXXX. All XXXX bureaus have verified that Chase confirms their reporting, which is incorrect. To be clear, they are reporting I currently have a balance of {$310000.00}, which is an astronomical amount of money that i DO NOT owe. This property was short sold and california law prohibits any deficiency balances owed on single family residences. In addition, the Code of Civil Procedure states that a mortgage lender who consents to a short sale waives any claim to pursue the seller for the balance. ( CCP 580 ( e ) - Chase approved the short sale in XX/XX/XXXX. 

Also, the act of credit reporting is considered an active attempt to collect a debt, therefore Chase is collecting on an illegal claim. Since Chase has not responded to my inquiries, I ask that the CFPB help me get chase to respond and not continue to ignore me. 

Attached please find my XXXX demand letter to chase that they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CITIBANK, N.A.
State: CA
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 had called Citi credit card services on XX/XX/2021 to convert my Citi Prestige card to Citi XXXX card before my annual fee is due for renewal on XX/XX/2021. During the call, I was assured by the customer service representative that my annual fees for the Prestige card would not need to be paid and if I was charged with the fee, I could call and have it refunded back to me. The product change from XXXX to Rewards+ was completed and the agent said that the new cards would be sent to me. 

XXXX XXXX, I had received the Rewards+ cards and activated them. The XXXX XXXX account was now showing closed on my Accounts Summary page. 

XX/XX/2021, my statement on the Rewards+ card closed and a Membership fee of {$490.00} and two authorized user fees of {$75.00} each was charged to my statement, a total of {$640.00}. 

XX/XX/2021, I called Citi Credit Card services and explained to them that I was charged an annual fee for the Citi Prestige card when my account was already product changed to the Rewards+ card which does not have an annual fee. The agent explained that the fee should not have happened and the agent would create an dispute for me to credit the fee back to my account. 

XX/XX/2021, I saw that the fee of {$490.00} was credited back to my account but the fee for the XXXX authorized users of {$75.00} each, a total of {$150.00} was not credited back. The Rewards+ card does not have an annual fee for authorized users and this fee was from the Citi XXXX account that was already closed. I called back to Citi credit card XXXX and explained the situation. After being placed on hold, the agent informed me that the authorized user fees was non-refundable. I explained to the agent that the fee hit my account for the product, " XXXX '', that was already closed back in XXXX. The fee hit my account in XX/XX/XXXX, after the account was already closed. I asked the agent to close the XXXX authorized user accounts and the agent still explained that the fee would not be refunded regardless of what I do. This does not make sense to me since I product changed my account in XXXX before my annual renewal in XXXX. The XXXX account was already closed before the statement date.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have credit card balance thats incorrect and credit cards thats was closed with no balance showing up with a balance. Information that was supposed to be removed still on there for get it now. Bankruptcy that was supposed to be removed still popping up. XXXX account that was removed now back on my credit report. Credit scores keep going down after Ive did credit repair and talked to consumer.

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 2020-04-01
Company: Experian Information Solutions Inc.
State: NY
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:
These are not my items

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: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Barclay 's  XXXX   XXXX  credit card. I made a payment  XXXX   XXXX  for {$1000.00} from my   XXXX   XXXX    checking account by a process where payment is done electronically using my routing number and account number. On  XXXX   XXXX , I make another payment the same way, for {$1600.00} using my set up routing number and checking account number. Between th e 2 pay ments, my   XXXX   XXXX   checking account is lowered by {$2600.00} and on  XXXX   XXXX ,  XXXX  shows my balance being deducted by that amount.   Barclay bank shows me on line they have received my payments and they have them processed, BUT they do not show them as increasing my available balance by {$2600.00}. They tell me they have the right to hold the money for up to 10 days before putting it back into my credit availability. Never are bills paid by check. They are all ways paid by electronic funds between  XXXX  banks, or as I have heard, the US treasury reserve bank. By holding this money, even though they say they have received the money, they say they have the right to hold it against liability issues, for up to 10 days.  XXXX  does not have my money and Barclay bank does not make these funds available to me. They use semantics by telling me they have my money but reserve the right to hold it up to 10 days. By doing this to me and millions of other people, they are using my money and others ' for profit and using it for free. I want to complain to the  US finan cial department regulators this is not fair and Barclay 's should be held accountable.

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 2017-01-20
Company: GREAT LAKES
State: DC
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:
Did not apply payments and overpay amount in excess {$65000.00} Pay more than had to Hurt credit from XXXX to XXXX Mis reported to credit reporting agencies Imposed repayment burden Reflected bad information Processed paymentincorrectly and failed to act on various complaints They were put on notice to disputed amount base on qualifying academic achievements and 100 % relief scholarship eeligibility

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CITIBANK, N.A.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying change my name with Citibank for almost a year with no help. I opened an account with Citibank in the early XXXX. By XXXX  all branches in XXXX XXXX were closed. I have since married and changed my name and can not get assistance to update my account. They require a notary which I am currently unable to go to because of Covid-19 and my health issues. In all of the work I have done in changing my name on loans, insurance, etc. only Citibank has given me a difficult time. Changing my SSN was easier. I am unable to deposit a check because it is in the wrong name and there is no branch. I am being continually punished by a bank that refuses to help me or make any exception in this difficult time. I do not understand why a bank requires me to risk my life to reflect a simple name change. I was told I could change my name over the phone and am now being told I can not.

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 2015-07-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a text and email from Chase Bank notifying me about a potential charge ( possible fraud ). I responded in saying I had not made the purchase and received a reply that the next available fraud analyst would be giving me a call. Over XXXX hours later, no call .... I the called Chase were an Analyst was rude, could not answer why I never received a call and was completely misinformed about credit card protection laws, etc. Chase should not be in the credit card business, or banking industry as they lack or have broken fundamental, basic processes that are core to identity theft and fraud detection. I have since closed all my accounts with Chase and encourage others to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Capital Accounts, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled my credit report and reached out to both the credit bureau and Capital Accts. to dispute all accounts with this fraudulent company that has reported accounts. I 've asked for documentation to validate debt and they provided me with an out-of-date scanned image of something from XXXX/XXXX/XXXX. They failed to provide me with an up-to-date copy of said debt. If such debt is owed, it was sold by the original creditor who did not inform me of a debt or ask my permission to sell any of my medical information. This is clearly a violation of my ( HIPPA RIGHTS ) by both the medical office and third party. I 've asked for the following from this company : a copy of my signature with the provider of service to release my medical information and for them to stop reporting to the credit bureau until the debt has been validated by me. I have not received any documentation from neither company to release any medical information about me or giving permission to sale any of my information to collect on a balance I 'm unable to verify with XXXX XXXX XXXX. In addition, because the original creditor sold my information, I am no longer responsible to pay due to " NO CONTRACT/CONTRACT IS CANCELLED. '' Also, I have not received any letters that I owed a debt to even dispute the debt from neither company. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy, medical and dental records from third parties. Capital Accts. has withheld information and refuse to provide me with what I asked in my written request to them and the credit bureau. This is currently affecting my credit as I am trying to purchase a home. 

In addition,. I 've recently tried to contact this business about the account to verify and have been unsuccessful. This account is 4 years old and neither XXXX XXXX care or said collection agency has reached out. This is a third-party with my personal information and if said account is valid, which again I ca n't prove because XXXX XXXX care has failed to reach back out to validate the debt. I have asked that they please stop reporting to the credit bureau and remove account due to " NO CONTRACT/CONTRACT CANCELLED. '' Amount Owed : {$170.00}, which includes {$50.00} in accrued interest ( According to the collection agency ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX BB & T does not allow auto pay with anything other than minimum payments forcing you to either pay each month manually or paying forever and never getting out of debt. This is my only card that does this, all others allow you to set your auto payment amount to whatever amount you choose. This should not be allowed, it forces the poor or uneducated into bondage! I called and spent thirty minutes with the bank personnel and then the supervisor and she confirmed very politely that they don't allow that option. I informed them I will pay them off soon and never bank with them again. It just seems to me this should not be allowed to continue, and I hope a complaint filed this way has some teeth and will convince them to change policies. 
Thanks, 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: WHEELS FINANCIAL GROUP, LLC.
State: FL
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 several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX  XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -XXXX XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX  XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : -800 LOAN MARTXXXX XXXXXX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) -XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, XXXX XXXX keeps charging me late payments on my XXXX  loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX  for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Prosper Marketplace, Inc.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a XXXX in an attempt to give its loans an appearance of legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: U.S. BANCORP
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
US Bank did not refund annual fee when I closed account back in XXXX, XXXX. The fee remained and started accumulating late fees/penalties. Balance is now {$200.00} and should be XXXX. Also shows up on credit report as delinquent and 90+ days past due. They say that I closed the account in XXXX, XXXX. I closed the account in XXXX, XXXX. Account should n't be past do at all.

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 2015-12-01
Company: Credit Technologies, Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A credit report was run for me as I 'm trying to get a mortgage. A debt collection that I paid off with a {$0.00} balance in XX/XX/XXXX is being reported as a {$0.00} balance every month by the collection agency. The report comes back and shows the most recent report of a {$0.00} balance as XX/XX/XXXX instead of the date it was originally paid off ( XX/XX/XXXX ). The credit reporting company ( I assume ) must be looking at the most recent report of a {$0.00} balance instead of the first date it was reported as a {$0.00} balance ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. Accounting practices at Roundpoint MTG are unbelieveable 2. The accounting has described my Storm water tax as a : MUD/Utility Tax Disbursement b : Ground Rent Disbursement. They keep on changing this in their accounting system 3. They have successfully sent the payments in once before to the tax department without problems, however this time then sent my payment to the tax department with some other XXXX and loan info and incorrect address to the tax department. The Tax department by law could not accept the payment as they had all the wrong information associated with the payment. 
4. I called the Roundpoint Mortgage to advise of this and the Customer Service rep said she would put a note into my account and it would take 3 to 5 days to resolve this. I gave them 6 days and called this morning only to find out from the Customer Service person, that they tried to call the Tax department on XXXX XXXX 2016, and the phone was disconnected. I called the Tax department before I called Roundpoint Mortgage ( they still have not received my tax payment ) and the number was working just fine. 
The Customer service person said that he could not find the phone number to the Tax Department, and I explained that the Tax Department sent you the same Notice that they sent me, and the Phone number is printed on the front of the notice very clearly. I then gave him the phone number. He said he would make a note of this in my account. 
... 
So now, my taxes are delinquent because Roundpoint Mortgage sent my money to the tax dept with the wrong info. I have called twice to Roundpoint Mortgage and they say that they are going to handle this, which apparently they are not and Customer Service reps keep telling me that they will make a note into my account. While this goes on, I am being charged interest on my taxes daily until they are paid. 
This mortgage company is supposed to be paying my taxes through my escrow account, which seems they ca n't even do this correctly. 
I have attached emails from the Tax Department, my Tax notice and a screen shot of the activity on my mortgage where you will see the lousy accounting. 
I have bought and sold XXXX houses in my life and this is the worst mortgage servicer I have ever dealt with. 
PLEASE HELP! 
XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2020-04-01
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage holder was XXXX and they went into bankruptcy. As a result my load was moved to a second hand horrible company called newRez or Shellpoint Mortgage Services I am really unsure. Their phones all say they are a debt collector not a mortgage company. In XXXX XXXX stopped taking my payment and NewRez/Shellpoint was not taking payments until after XX/XX/XXXX. I received a notice of default and intent to accelerate on the XXXX of XXXX. I did not receive a bill, or any other form of communication from them until this. I immediately called and paid. Confirmation # XXXX I was told my account was in good standing and that i had 60 days before it would have been reported. 

The next week I received a call from my assigned point of contact XXXX XXXX phone number XXXX ext. XXXX stating she needed to speak with me about my defaulting loan. I have tried numerous times to contact her and have not been able to. Today I received a certified letter stating " Notice of default and intent to accelerate '' I was unable to pay my mortgage to my old company and the new company was not taking my payment. Their online payment center has never operated correctly. This is now becoming harassment. I have called and spoken with 2 other agents who verified that the account was up to date and no past payments were due. I am not sure what to do from here but this is absolutely ridiculous. They need to leave me alone. They have their money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation