BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX  American Express ( " AE '' ) charged my credit card an annual fee totaling {$1000.00} ; {$690.00} for the first authorized card and {$350.00} for the second authorized card. On XX/XX/, AE added a pre-set charge limit of {$18000.00} without notice or correspondence to me. Prior to this, I had no pre-set charge limit. I reached the charge limit ( on or around XX/XX/XXXX  ) when I tried to purchase materials for a project I'm working on and the transactions were declined. On XX/XX/, I called AE to inquire about the sudden change and they informed they periodically review accounts and add pre-set charge limits accordingly. I asked to cancel the card and get a refund of the annual fees I was just charged. The customer service representative ( " CSR '' ) requested I give them a chance to review the account to see if they could resolve my concerns without me cancelling the card. The CSR said they would reach out in a few days with a response. On XX/XX/, I called AE back because I had not heard from anyone. I spoke with four representatives from AE. I asked to speak with a supervisor after the first two CSRs could not help me. They told me the next person was a supervisor ( who also wasnt helpful ) and put me on with another Supervisor named XXXX ID # XXXX. The 3 representatives prior to XXXX could not confirm when I called or any notes detailing the XX/XX/XXXX conversation. XXXX, however, was able to find the date I called but she ultimately could not help and told me there was no way for me to log an official complaint with AE. She then told me someone would get in touch with me. 

My complaint is that they charged me the annual fee and then dramatically changed the dynamic of the card. I would never pay over {$1000.00} in annual fees for a card with a pre-set limit. It's embarrassing having your card decline at a store you frequent for your business and it's sets the wrong precedence about you as a business owner. If AE wants to add a pre-set spending limit, they should give me the opportunity to cancel the card with no fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: KY
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX/2022 XXXX XXXXXXXX XXXX/2022

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 2022-06-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was driving and I was trying to tell them i had resolved that debt. i asked for them to call me back that I was driving. The only thing that happened was the person got loouder and louder as i tried to repeat that i was driving and behind the wheel in my car. I got upset having someone over power me in my car. I gace up trying to communicate and hung up. I did not want to wreck and my attention was being diverted.I got another call and the person asked if it was mr XXXX I answered yes. She began to try to forcefully as in ovrtpowering the conversation. I had to speak up and I was requesting that her company send me information about themselves and also this debt I had not received anyrhing in the mail. She said they did and I told her I had not received any. she became aggressive again and and all I could do was hollar into phone so she could hear me over her own voice,,, SEND ME THE INFO..and then I hung up. I went back and looked at all my mail and there were no letters as she had said. I called the company after looking up my credit report and seeing what was going on. I got the number and address and called. I wanted to communicate .that I would like a letter explaining the debt. Who it was and when and are you Midland liget? I have just been idenity theft. The man would not take my information I was trying to convey and just began to talk louder and tell me they were going to collect. I tryed XXXXhatI had ro hollar this hoping he would hear me. I got upset again and I had yto hang up. Idecided to see if there were rules to help me as a consumer. I never took any federal or state finds during or at anytime with the covid crisis. 

The Complaint is about credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a second mortgage with a balloon payment, the payment came due in XXXX of XXXX, I filed for a modification XXXX separate times, in XXXX of XXXX the modification was approved and the loan documents were signed and notarized by all parties, returned via XXXX XXXX Bank of America on XX/XX/XXXX ... the said there was a problem with the notary signature so new documents were signed notarized and mailed via XXXX on XX/XX/XXXX. Bank of America Never finalized this modification and in XX/XX/XXXX they sent a letter stating that they were canceling the modification because the documents were not received, even though I called multiple times and verified that they did in fact receive both sets of documents. The terms of this modification also were not very dgood and resulted in an increase in my monthly payment of 300 % ... even though my first modification application was denied do to my lack of income and inability to pay... Throughout this process I have not received even XXXX phone call or letter from the person assigned to my modification application, even though they claim to have attempted to contact me, they are lying, The are also lying about the Error in the notary signature, as the error they claimed occurred in the first set of documents was specifically addressed with the second set.. I do not believe the underwriter ever even viewed the second set and perhaps open the original documents bu mistake or perhaps they were uploaded incorrectly, in any case... signed and notarized loan documents exist and it is Bank of America who failed to finalize the the modification ... After all this I was told to reapply for modification, but was not even sent the original application packet before it was denied for failure to provide documents.. hie can Inprovide documents when they never send them? On top of all of this I have received numerous collection calls even though this loan was XXXX in my bankruptcy in XXXX ... On top of all of this I notified them in XXXX that I was applying for the Homeowners Assistance fund and they continue to send letters threatening forclosure... Interesting how they have no problem mailing those letters but refuse to send the documents needed to apply for the modification... this had been very frustrating and in all honestly I have lost all hope that XXXX XXXX is actually trying to assist me, I think they are trying to steal my home and are completely not operating in good faith ....

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 2022-06-02
Company: Chime Financial Inc
State: TN
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:
My debit card info saved in the XX/XX/XXXX app was stolen and I was charged for 4 transactions totaling {$160.00} on XX/XX/2022. The unauthorized XX/XX/XXXX orders were placed in 4 different states in the same afternoon. I immediately saw the notification from my bank ( chime ) and disabled and cancelled my debit card to avoid further theft. I flagged these 4 fraudulent transactions in my banking app as well. Ive spent a lot of time trying to correct this and receive a refund- I have tried all methods of communication ( chat, email, phone ) with both companies involved ( Chime and XXXX ). Despite my tenacious attempts, no resolution has been made. XXXX customer service agents directed me to file a chargeback with my bank. They said that in instances like these, the bank will refund their customer and then chipotle will refund my bank as well as pay them a small fee. I relayed this information to chime customer service agents. I followed up after my dispute for fraudulent transactions was denied by chime. They told me no error was made. I rebutted this decision and requested that my dispute case be reopened. I emailed screenshots of the order confirmation emails I received fromXX/XX/XXXX, showing the time as well as the various locations that these transactions were made. My request to reopen my fraud investigation was declined. I have followed up with every email and phone call from chime and XX/XX/XXXX. This has been shockingly difficult to receive any help. I asked both companies multiple times what I could provide to prove my location was nowhere near the locations of these transactions. The only answer chime customer service agents provided me was the to send in a photo of a paystub if I worked on the XXXX. This theft occurred on the weekend, so I was at home all day, not at work. After telling customer service agents this, no other real solutions were given. I had no idea it would be this frustrating and difficult to simple receive a refund of my stolen money. Finally, I came up with an idea to email chime support a photo I took at my house on the afternoon of XX/XX/XXXX ( when the fraudulent orders were placed ). I also attached a screenshot of the metadata of that photo - proving that I was at my house when theXX/XX/XXXX orders were placed in multiple states far from my location. Im not sure how else to prove to my bank that these four transactions were fraudulent. Chime responded once again in an email saying that sufficient evidence was not provided. Please help this come to the correct resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: MS
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$9600.00}

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 2023-09-05
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit reporting 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  Comenity BankXXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2023-09-05
Company: V and H Portfolio
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently received a credit report that shows the Vance and Hoffman have filed a collection against me on XX/XX/2023 for collection account originally held by XXXX XXXX XXXX I have never had account with XXXX XXXX XXXX I believe this report is a result of fraud and error whats your desired outcome I want this account removed from my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed fraudulent accounts on my credit report and I am requesting them blocked immediately. I filled out an Identity theft report and have notified the credit reporting agencies, so this information can be blocked 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 2022-10-15
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello I had a prepaid card XXXX NetSpend prepaid card in XXXX till XXXX my card was stolen by my X boyfriend he stolen used it stolen my money out of the account. I made police report and send it contacted there team manager. I gave them the police report Numbers CAD. What's was stolen out my account well I never gotten my money back put into the account. I just order on a commercial on T.V and Brink Card and they mailed to me didn't know it's with NetSpend false advertising what's they done to me had an checking account. I do have it and I called the back of the card. That man from another country and all taped recorded when I gave him my name and social information mailing address I just got it in XX/XX/XXXX. He told me you can't used this card your at Risk I said what I ain't ever had no Brink Card and didn't know this with NETSPEND CORPORATE. I am a victim that my money was stolen out my account and even used a credit with that XXXX  Prepaid card I still have never gotten my money back that was my Government Income and I reported that to the Social Security Administration Office and they said the bank still owes me back my money he stolen that's a Financial Crime was done to me that man stolen my whole purse ID Card, Social Card and Birth Certificate Money I had in my purse and the police still ain't arrested that man and the woman I found out who fake there was me getting stealing my money out that account couple years ago no respond back at all. I do have the police reports to. He used my debit card to get his cell phone on and more to.

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 2022-07-23
Company: FISERV INC.
State: IN
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:
These companies are furnishing inaccurate and incorrect information to the consumer reporting agencies. and causing damage to my reputation and well being. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
As defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary income, Income does not get reported on the Consumer Report which in fact makes your reporting of this account inaccurate! 

By definition The IRS Clearly says a Cancelled debt or Charge-off is income. The reporting of this account as a debt is inaccurate. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IS A FURNISHER of information to a consumer reporting agency. 

Therefore they are prohibited to furnish inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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 closed my XXXX XXXX account in early XXXX as I wanted to open up a XXXX XXXX Account instead. I knew I had a balance of about XXXX Ultimate Rewards points, so when closing the account, I explicitly asked about my points, and the reps said I wouldnt lose them as I had other cards that were on the Ultimate Rewards Program. 

On XX/XX/XXXX, I actually transferred over XXXX points from another card into the XXXX Ultimate Rewards account to consolidate all my points under one account. On XX/XX/XXXX, I was transferred XXXX points out of that account to purchase airfare. 

I believed all things were normal, until I logged in on XX/XX/XXXX to discover all my XXXX plus Ultimate Rewards points had been forfeited. I reached out to the bank, to the credit card number, and to support on XXXX -- and they all told me I was out of luck because the account was closed and I had 30 days after closure to move or use the points. In summary, despite all my attempts, I lost over XXXX points which I had accumulated over years, these points are worth between $ XXXX {$8000.00}! 

Three major things at play here - 1 ) I was able to transfer points in and out of the account as recently as XX/XX/XXXX and XX/XX/XXXX, respectively. This is over 2 months after I closed my account. If their policies state 30 days, why would they let me move more points into the account after the account was supposed to be closed? 

2 ) Nowhere on the portal, as an email, or anywhere was I was warned that the rewards account would be closing and I need to move my points. The portal was behaving completely normally. I can actually still see that account on my Ultimate Rewards portal when I log in!

3 ) Multiple times, the account reps told me that I would not lose my points. And I spoke with them multiple times because I applied for the XXXX XXXX XXXX and got denied because I still had an active Sapphire card with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have a medical bill that insurance paid and shows a XXXX balance. Also the collection agency sent me personal medical information that is hippa violation of my rights. The original creditor shows a XXXX balance and the credit bureau refuses to remove my medical collection. I have attached documentation showing it is a medical bill with a XXXX balance as well as the collection agency having copies of my medical procedures that were done.

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 2020-06-17
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My father received a call from XXXX XXXX XXXX ( XXXX  ) asking to speak to me. The representative from XXXX told me father to have me call them back because, " They wanted to help me. '' I can assure you that they weren't looking to help me in the slightest!.

Anyways, I called XXXX and after being transferred around a few times I was handed back over to the original woman who took my call. Simply put, she asked me, " How would I like to pay the {$16000.00} today '' in regards to the alleged amount of money I owed on a vehicle that was totaled in an accident. I explained to the woman my lawyer was handling the case and she asked me to call her back with my lawyers contact information for which I did not. However, Ally and XXXX contacted a former lawyer of mine ( WITHOUT MY CONSENT ) in regards to this matter. I did not give XXXX or ALLY the consent to contact any lawyer at this present time. Also, you will see in the letter that XXXX insinuates that this account will be referred to a lawyer if they do not hear back within in 30-days. Threatening the involvement of a lawyer is beyond an unethical and illegal scare tactic.

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 2023-09-05
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
We had a foreclosure sale dated XX/XX/XXXX. We filed a motion to extend the sale date and there was a Home ( XXXX XXXX XXXX ) meeting on XX/XX/XXXX and the judge agreed to extend the sale date to XX/XX/XXXX. On XX/XX/XXXX the judge signed the order to extend the sale date for 30 more days, and it was furnished to all parties thereafter. On XX/XX/XXXX a copy of the original short sale request was submitted a second time along with the judges order to extend the sale date. 
The bank later sent a letter to all parties advising us, that they had insufficient time to perform their review and therefore did not provide us with the short sale approval letter. 
The bank has been doing this for several years, whenever we sent documents that they requested they would wait until those documents expired and then send a new request. By doing this, we keep losing prospective buyers for the properties. This is so wrong. We are at the point where they are planning to foreclose on the property. 
Please advise.

Company response to consumer: Closed with explanation