BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called Chase credit card customer support on Tuesday, XX/XX/XXXX to request a refund for a round-trip airline ticket from XXXX to XXXX for XXXX XXXX XXXX XXXX XX/XX/2022 returning XX/XX/2022 ) in the form of points. I was told I could refund my airline ticket for points and the representative then proceeded with the refund. 

When I called Chase credit card customer support on Wednesday, XX/XX/XXXX to check the status of the refund I was told the ticket is not eligible for a refund and it was instead processed as a cancellation without a refund by the representative on the XXXX. The representative on the XXXX then checked the recording of my conversation with the representative on the XXXX to confirm whether it was communicated to me that the ticket was eligible for a refund. The representative on the XXXX confirmed that the representative on the XXXX told me it was eligible for a refund and the they would call me back. I never received a call back. 

I then wrote a formal compliant through my online Chase account describing the incident above and requesting the refund I was told I would receive. I received an electronic response on XX/XX/XXXX in the form of a letter ( attached pdf ) that stated " we could not locate the transaction information you requested '' and " we have closed your request. '' Chase appears to have a record of this incident because they are able to retrieve it's history when I call them. This includes the ability to retrieve recorded conversations of their representative confirming the eligibility of and processing my refund. 

Chase is not only failing to acknowledge misrepresentations made by their representative, but they are also failing to process my refund, they cancelled a ticket worth hundreds of dollars without my permission, and they are now claiming to not have any knowledge of the incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: NC
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:
This complaint is about correcting my credit score because of an error made by the bank providing service in delivering monthly statements which caused a delinquency. I disputed the facts and the bank corrected the mistake, but continued to tell me that my score could not be reinstated. It dropped from excellent to fair.

The service bureau reported its conclusion and corrected the report, but the score continues to be fair. I'm dissatified with the entire process and are now suffering a lower rating to the point that today XX/XX/2022 I was denied a credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
On XX/XX/XXXX I paid {$1500.00} from my Bank of America Corporate Checking account to my Bank of America Corporate Credit Card. BofA took the funds from my personal checking account. These accounts are not linked. BofA states they would return the funds on XXXX XXXX & XXXX. The funds have not been returned to my personal checking account and the stated error on their part has incurred numerous fees to my personal checking 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 non-monetary relief
Consumer complaint received 2019-05-18
Company: Experian Information Solutions Inc.
State: IN
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:
My idenity was compromised while serving oversees. XXXX is currently reporting a account in my name that doesn't belong to me. I demand that this item is removed from my credit report immediately.

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 2023-06-06
Company: LEXISNEXIS
State: NY
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:
I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of XXXX XXXX This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 USC 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.The violations include obtaining information under false pretence, pursuant 15 USC 1681q ; permissible purpose of my consumer report.15 usc 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
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 have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the 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 2019-01-03
Company: Nelnet, Inc.
State: NV
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:
I had 7 student loans that were initially serviced by Nelnet. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. Nelnet has  responded that they did indeed report the status as Transferred ... however XXXX  still has not corrected the STATUS. They added a comment to the Remarks section but XXXX   did not update the STATUS. 

Below are the Nelnet account reported incorrectly. I've already filed a complaint with Nelnet and they stated they reported the status as transferred and that the error is with XXXX. So XXXX needs to fix. 

Below are the Nelnet accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My XXXX file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CITIBANK, N.A.
State: FL
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 pay my balances every month so I do not incur interest fees. 

This month I paid the balance of the card, and 7 days later I was informed that the bank returned the incoming payment. It was not due to lack of funds- apparently there was a routing issue. 

I received a return check fee and interest fee I called and told the credit card company and they said they could not explain what happened and saw that I paid down the card to a XXXX balance but could not reverse any of the fees even though it was not of any fault of my own. 

I canceled the account and will vow never to do business with Citi for credit cards again but thought this was predatory in nature. I can afford to pay off my cards and balances but some can not. If they are treating me this way I can only image the horrors others are going through.

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 2020-03-11
Company: Brightwater Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The " receivables investor '' Brightwater Capital LLC has  neglected to send me a debt validation letter. Phone calls to their provided number are never answered, making it nearly impossible to have this resolved without intervention. At the present time, legal counsel for a collection agency that may or may not actually be able to collect on this debt is threatening a lawsuit. Brightwater Capital LLC should be aware of the actions of any agency they use and every party involved has provided nothing in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions 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:
Hello, I have reached out to you guys about some items on my credit that is not mine. There are still a whole lot of inquiries on my report that I don't know anything about and they still showing up and I have not touched my credit. Please remove these inquiries so I can move on with my life and help my family. I have contacted the FTC and the local police. XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/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 non-monetary relief
Consumer complaint received 2018-04-26
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are a couple items listed on my credit from this company which I have never been notified, they are unknown to me and I have health care coverage. These are false I need help I have disputed them with nothing being received. The accounts showing are as follows Commonwealth Financial XXXX {$880.00} Commonwealth Financial XXXX {$880.00} Again these are unknown and I have never done business with this company or any company for this amount of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Around XXXX of 2014 XXXX XXXX XXXX was bought by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I called XXXX XXXX to ask them if they had their own visa personal or business credit card. The bank representative said they offer credit cards through Elan Financial Services. The web site appeared to be an older application website, I thought it was a pre-approval application. Instead Elan Financial Services pulled a hard  inquiry and I was informed that they pulled my XXXX XXXX credit report. I did not receive confirmation of the denial. 

I contacted Elan Financial services about the reasons of their decision, based on the information supplied by XXXX XXXX, including reasons of the basis of their decisions included balances reported on my deferred federal student loans that generated a debt to income ratio above the payment plan I am under. 

Even after review/consideration Elan Financial services refused to grant or extend credit. Even after I expressed that the information supplied by XXXX XXXX was inaccurate, incomplete and or misleading. I asked them to exclude the student loans into their decision and they refused. 

The application procedure did not inform me of my rights under the equal credit opportunity law, nor did Elan Financial Services informed me of my rights to dispute their credit decision under the Fair Credit Reporting Act. 

The inquiry conducted by Elan Financial Services was my mistake, because I was not properly informed of the application process by XXXX XXXX. I was unsure who I was applying to at that point I have never heard of Elan Financial.  The inquiry was a mistake and I am requesting XXXX XXXX to delete the inquiry on XX/XX/2019.

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 2023-07-12
Company: Cedars Business Services, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Purchased a mirror from XXXX. It arrived damaged. I reported it on the XXXX  app. It told me to add pictures of the damaged item ( and to my knowledge after the fact I uploaded the wrong picture of another mirror ) nevertheless the system generated a refund and told me to donate or dispose of the item. Almost 4 months after, im contacted by XXXX  stating they are reversing the charge because pictures didnt depict damage & then threatened to call the police on me for submitting a fraudulent delivery issue, solely based on the wrong pictures provided. Card they kept trying to charge had new expiration date and wouldnt go through on XXXX  end. They submitted to debt collector. I disputed with debt collector, debt collector is telling me same thing XXXX  is and unless I can return the item ( which was thrown away due to broken glass ) or send them the pictures of damage ( which after 4 months and being refunded immediately I deleted the picture ) then I am still responsible for this charge and have to pay it. XXXX should of noticed this within 30 days of refund given and not 4 months later and still expect me to be liable for a damaged item. Its XXXX  system that refunded me. Change the system and dont offer refunds so easily and then tell a customer to donate or dispose of the item. Even if I had uploaded the correct picture the system still would of told me to dispose of the item. I even offered for them to send a police officer into my home to see if the item was here, because it is not and that wasnt sufficient enough for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I was in a forbearance due to XXXX ( from my job & my dad XXXX with it ). Before the forbearance ended, I was terminated, and my job denied my unemployment. I was finally able to go to a temp company, but I filed XXXX XXXX for my debts. I applied for a modification on my mortgage, but couldnt afford the payments they offered. Plus, they were increasing my interest rate and starting the loan over to a new 30 yr mortgage! I called and asked why was this like a balloon payment or predatory lending because I have been in my home since XXXX. XXXX?? I never got a clear or valid answer. 

I applied for mortgage assistance through Mortgage Assistance of Alabama and they said they could only pay a maximum of {$50000.00}. When we reviewed my papers, Mr Cooper had charged me so many unknown and/or unapproved fees ( which included THEIR attorney fees, and several property inspections, etc. that I did not request or have ANY knowledge of )! How I am responsible for paying my bankruptcy attorney, the bankruptcy trustee, PLUS XXXX XXXX attorney? Especially, when my primary reason for filing bankruptcy was because Mr Cooper forced me to file, due to the bogus modification with a new 30 yr mortgage they tried to offer me??! 

I was terminated again in XXXX. I have applied for unemployment again, but it is still pending. I immediately called Mr Cooper to tell them. They offered NO HELP. I contacted FHA and was emailed several options, and advised to contact my mortgage company again for assistance! XX/XX/XXXX I was contacted to see if my income/situation had changed. I told the lady I keep getting new letters with a new contact person and if call or send an email, the person is no longer employed or in that dept. They said Since I do not have any income, there is nothing they can offer me. The next day they sent my loan to begin the foreclosure proceedings. The amount on their attorney XXXX XXXX XXXX papers state {$220000.00}? My statement shows {$170000.00}? I have contacted Legal Aid for help. I do not have any income & no where for me & my family to go. I do not expect to be in this situation within the next XXXX months, but I need help & time to get my finances together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I toyed to purchase cloth for my XXXX XXXX  veteran dad, on XX/XX/XXXX after 5 minutes found out the merchant in XXXX so I called to cancel it I was told the purchase wasnt processed but I was charged {$160.00} so I called again but no responses I also send an email but no sign of my funds so I called city bank and disputed the transaction I was told the fund will be refund in my account within 7 days, I disputed It on XXXX XXXX so I called city bank on XX/XX/XXXX and I was hold for one hour and 11 minutes and the supervisor put on hold again and I think they hung up and now I dont know what to do, please help

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 do not recognize these credit inquiries. I have asked the credit bureaus to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my credit report.

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