BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: JPMORGAN CHASE & CO.
State: NY
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 signed up for XXXX reward program credit card with Chase for three free nights certificate if spend $ XXXX within 3 months of the account opening. Within few weeks Chase offered exactly same credit card for five free nights if spend $ XXXX. Chase asked existing customers to call customer service if a customer wants to switch to new five nights to check their eligibility. I called Chase customer service on XXXX Sunday at XXXX and spoke with a lady from Chase XXXX I requested to switch my offer from 3 nights to 5 nights and the rep said everyone here knows the process. Please call us back as soon as you spend {$5000.00} within 3 months and we will file a report with our marketing department to get you 5 nights certificate. The lady put a note in my account that I intended to spend {$5000.00} to get the 5 free nights certificate. Account was opened on XX/XX/XXXX so I needed to spend {$5000.00} by mid XXXX to get the 5 nights certificate, which I spent ahead of the deadline to get the promised 5 nights reward certificate. 

Chase never issued me the 5 nights reward certificates, although I followed up with them few times. On XX/XX/22, I spoke with a Chase customer service representative and the rep said she read all the notes in my account and she said since they advised you to spend $ XXXX, I will escalated the issue and said they should approve as per the previous conversation customer already spent $ XXXX. Chase definitely should honor the 5 nights certificate to me as they promised and avoid discrimination as I was eligible for 5 reward certificates. Please kindly investigate the whole program for innocent customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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:
Someone stole my identity and opened up a joint account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: The CBE Group, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX at XXXX XXXX I received a call from XXXX stated I owed money from an account opened after the statue of limitations and I explained that this account is no longer on my credit report is very old and the gentleman stated that he wad aware but wanted to see if he could still get payment and I asked him not to call again and he was cussing. The account was for XXXX XXXX XXXX XXXX, CBE group is the company. XXXX XXXX is who I talked to and XX/XX/XXXX and they stated they can still legally get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: PA
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:
After numerous attempts of trying to update my personal information on my credit report. Experian continuously keeps reporting an inaccurate address on 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 explanation
Consumer complaint received 2023-04-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was shopping for a handbag at Bloomingdales Valley Fair in XXXX XXXX, California on XX/XX/2023. I found a handbag I liked that cost {$2400.00}. The sales associate told me that if I applied for their store credit card and purchased the handbag with the card, I would receive 20 % off the retail price in the form of a credit and I would see the credit on my credit card statement. The sales associate even tried to persuade me to buy the matching wallet because my credit of roughly {$500.00} would almost pay for it. I did not purchase the wallet but I made a mental note so I would know how much to look for on my statement. When I received my statement, I was only credited {$270.00}. I called Bloomingdales credit card services on XX/XX/2023 to report the error and request a credit for the remaining amount. I was told that the sales associate provided misinformation and that there was a limit of {$250.00} for the credit card promotion. This really didnt make sense since I was credited {$270.00}. They offered to credit me another {$10.00}, which is well below the amount I am owed. They did not resolve this issue. They also told me this is a common complaint they receive because many other customers have been deceived by sales associates offering this same credit card promotion.

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 2020-06-17
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discover a collection from a agency named XXXX on my credit report.I decided to call and they informed me they have bill from 2017 for a medical service but they weren't sure what is it for and what is the date of service, I told them I would like to pay but I never had the opportunity to dispute it or pay before it show 's on my credit, the representative infomred me they mailed a letter to the XXXX XXXX XXXX XXXX XXXX and I correct her because my apartment number is different and there is the reason why I never got a collection notice and had the chance to dispute it or pay it. 
I offered to the representative to pay the bill as long they accept to delete the collection account from my credit, but she refused it. 

When I asked again for the date of service they couldn't even provide it, and they accepted they don't have a copy of the bill they are collecting

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 2022-07-05
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I sold my house that is associated with this Truist HELOC and closed back on XX/XX/XXXX. The closing attorney sent the payoff amount for my HELOC via overnight parcel service to Truist and it was received by them on XX/XX/XXXX. This has been confirmed by several Truist customer service representatives that I have called over the past 7+ weeks.

However, although Truist is in possession of the payoff amount, they have refused to actually apply the received funds to my account and close out the HELOC. I have been subjected to high ongoing interest charges since then and my credit score has suffered because this account appears to be open when it should not be. 

The Truist account reps claim that the interest I've incurred since XX/XX/XXXX will be removed from my account, but how can I trust was they say at this point? I've made one payment since this has happened to avoid appearing delinquent, so how will they make that right? Even if they can fix the interest payments and give me a refund, how will they fix my credit score? I think they are liable for that at this point.

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 2022-07-24
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 Account XXXX XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, and the XXXX XXXX  Account XXXX have 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 states that 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 2022-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates contacted me earlier this year, it was a phone number from Tennessee. Woman left a voicemail and told me to contact them. I mailed a letter to their headquarters requesting they stop calling me, and asked them to provide written documentation that I owed whatever they were trying to collect. About a month ago I got another call from Portfolio Recovery, this time from a California number. They did not leave a voicemail. Last Thursday, XX/XX/XXXX, at XXXX pm, I received another phone call from Portfolio Recovery, no voicemail. That phone number was ( XXXX ) XXXX. At no time has Portfolio provided me any information via the USPS mail. 

I have no debts of any type. I own my home and car. Student loans were paid off 30 years ago. Credit cards are paid in full each month. My credit reports show nothing. I want the phone calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EASTERN BANKSHARES INC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I mailed a personal check for {$490.00} from my account with Eastern Bank to pay my credit card bill, using the window envelope provided with my monthly billing statement, along with the detachable payment coupon for my bill. I sent it to my credit card company 's post office box, designated for mail-in payments. This was a full/timely payment of my monthly bill. On XX/XX/2022, my credit card company informed me that my payment was never received and that I should expect late fees to be applied. I immediately confirmed with Eastern Bank that my payment was negotiated and my bank provided me with a front and back copy of the cashed check. The back of the check shows a scanned endorsement for a deposit into a business account with XXXX for another entity, and expressly references my entire credit card number. I asked Eastern Bank-as well as my credit card company-to conduct a thorough investigation concerning my misapplied/misappropriated payment. On XX/XX/XXXX, the credit card company sent me a letter denying receipt of the funds and informing me that the temporary credit related to this dispute is now reversed, interest charges are now being assessed, and I must contact my bank for assistance in learning what happened to my funds as no further investigation will be made. Upon receipt of this letter I contacted Eastern Bank, which initially refused to initiate any investigation on my behalf because I was not the payee of the stolen/misapplied check. Instead, I was instructed to contact XXXX to determine what happened to my funds. However, because I not an account holder with XXXX, XXXX ( quite understandably ) refused to disclose any account information to me. I then contacted Eastern Bank again and asked that they conduct an investigation on my behalf. The company agreed but only if I completed a notarized Affidavit of Forged or Missing Payee 's Endorsement ( as the named payee ). I immediately went to the bank 's local branch that same day and completed the affidavit as required. I subsequently learned today that no investigation has been initiated and I have been unable to find out what has happened to my stolen/misappropriated funds.

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 2022-07-24
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXX account money was deposited and withdrawn by several different names thru a XXXX acct. have never open a XXXX account or received any phone call or message approving this. These were unauthorized charges that I did not authorized. After researching more information on this XXXX I have recently found that Truist Bank is a part of XXXX. 
XX/XX/XXXX I called the XXXX. Which is the number with truist to file a claim. That same same day I went to the local bank spoke XXXX XXXX to help me with this claim. I received a claim confirmation number. That I was informed that they would have to mail me paperwork to fill out and I would have to get notarized signature with detail information regarding my claim. On XX/XX/XXXX I received email that they did not find an error that occurred. This is not acceptable.. at any circumstances did I sign up or approve any XXXX exchange thru my 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 2022-08-30
Company: CL Holdings LLC
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Yes I received a XXXX debt collection from XXXX XXXX XXXX saying I owed XXXX but yet I never had a XXXX acct and want this investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made 2 payments towards my principle and interest of XXXX the total payment was XXXX I was advised on a recorded line that once the 2 principle and interest payments have been applied I will be due for XX/XX/XXXX and XX/XX/XXXX payment. I received a letter of default onXX/XX/XXXX advising I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment. I called in the evening of XX/XX/XXXX as soon as I received the default and representative advised he sent in a request to have this corrected. I call in on XX/XX/XXXX and was  advised by a manager this will not happen when I spoke with manager day before and was advised this would be corrected. If you go back and calculate the p & i payments that I have made since XXXX my loan should only be due for P & I for XXXX. Which that makes me have a shortage in my escrow account which I will make a lump sum payment in XXXX to bring current. 
I was advised by the representatives from select servicing portfolio to make p & i payments to bring mortgage current and that's what has been happening only to find out today that ever person I have spoken to since XXXX per the manager has been incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit 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 accidentally booked a reservation for XXXX Nights starting in XXXX of XXXX. The amount was listed in XXXX Pounds and I wanted to compare the price of a general hotel to getting an apartment for my daughter if she possibly got an internship. ( which is a 5 % maybe I will look in XXXX type of thing ). I wanted a sum total and by accident I must have booked it. I promptly canceled with XXXX and called my credit card company to tell them what I did. The amount was {$9200.00}. I have called XXXX XXXX. the hotel, and the credit card company probably in grand total about XXXX times. I submitted all my paperwork, etc. 
Bank of America ( Visa ) had someone tell me to " Use my Brain ''. 
I am now being told that not only is my reservation NONREFUNDABLE, but it is also CANCELED and I can not have my reservation back. Visa is not willing to help me get my money back even though I contacted them within minutes of this happening. 

This is UNJUST ENRICHMENT that VISA Is backing. 

I am going to fight this charge still and cancel my card. I am NOT going to pay the {$9200.00} while this dispute is ongoing and I will notify them in writing.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX is inaccurately reporting on my credit report 30 day late in XXXX and then a 60 day late in XXXX and a 30 day late again. When this car was stolen and it was paid out by the insurance in XXXX of XXXX. I was then informed in XXXX of XXXX  that there was an outstanding balance due to fees and charges that I needed to make payments on which I did. Now they are telling me that those were back payments and that they have reported them as late on my credit when the XXXX XXXX I thought prohibited them from doing so but also they never notified me of this.. The loan is paid off and has been for quite some time and they never even notified me that I was late because of their junk fees and charges when I was told by my insurance company that they paid off the loan.

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 2023-11-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I have filed a report in regards to the incorrect information on my credit report. It has been well over thirty days and I haven't received any investigation results.

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 2022-12-20
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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