BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Unfortunately, I've had to request a return XXXX  for my deposit from alpheaon ( XX/XX/23 ) and ( XX/XX/23 ), but I've yet to receive it, they failed to advocate for me and stated that I have to pay the balance with them because the issue is with the provider and not alphaeon. I made the request for refund many months before the " planned '' XXXX date ( XX/XX/23 ), but the provider seems to refuse to refund the deposit for a treatment I never received. I filed a dispute with the credit card company, but it yielded few results because the provider stated that the deposit is " non-refundable '' which I never agreed to this policy. During the virtual meeting, the XXXX  was very pushy about scheduling a XXXX  date and placing a deposit, the visit was conducted via XXXX, and he never mentioned that the deposit was non-refundable. I've attempted to contact the provider through text, but he hasn't been cooperative. I never signed any agreement accepting that the deposit I made will be non-refundable. I'm urging for things be resolved professionally and quickly, Additionally, his {$4500.00} charge for a video XXXX call regarding his opinion on procedures he believes I should have for my face is truly disheartening and should not cost {$4500.00}. It's a difficult situation to be in, and I've sought out various authorities to try to rectify it and gain help on fighting a physician with more money and power than me. 

The XXXX XXXX name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX NY XXXX website : XXXX please be careful when researching thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: MS
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: Problem getting your free annual credit report

Complaint:
Ive sent in letters to Equifax and XXXX disputing and requesting companies of my credit report. While they are updating my credit information they wont send me a copy of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Comerica
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Direct Express said they did an investigation. They did not, I did not order from these XXXX XXXX XXXX. did not get any pills. I had XXXX, I did not need that computer co. They are the card that XXXX sent me for payments, so I never thought charges could be put on it. They also put on false payments from the XXXX. Which hurt me when I applied for food stamps. XXXX XXXX ( XXXX ) XXXX XXXX Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-12
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:
In accordance with the Fair Credit Reporting act XXXX Account number # XXXX, XXXX Account XXXX # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX  Account number # XXXX, XXXX XXXX XXXX Account number # XXXX has XXXX my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-02-05
Company: JPMORGAN CHASE & CO.
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had a rental car stolen from me in XX/XX/2015 and got it back and returned it. I offered to pay the company an additional {$200.00} over {$360.00} owed for the trouble. They in turn ran a fraudulent invoice for {$3000.00} thru my Chase bank account. Chase, instead of helping me fight the fraudulent invoice, garnished my entire social security check for 3 months. It is AGAINST THE LAW to garnish any part of a social security check ( XXXX  ). Every time I fought them to get it stopped they gave me provisional credit then took it back bouncing every payment made off that check and charging me service fees. I lost my home of 17 years, everything I owned and my car got repossessed. I want my credit restored and every payment owed by this to be paid by them, my money returned plus the charges they accrued and billed me for in excess of {$50000.00}. It is AGAINST THE LAW to garnish XXXX  in full or part according to the FEDERAL GOVERNMENT. I sent them  evidence of the fraudulent invoice which they used against me as " proof '' I owed money instead of proof of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a Parent Plus Loan that is handled with Nelnet, and I have not been able to access the account since XXXX. I have been logging onto the app intermittently to attempt to make payments, however it has been giving error message after error message. With loans unfreezing and interest accumulating, I am not sure I can afford to simply wait it out. I would like to be able to both see and access my loans at the moment, but the app and the website are not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: MI
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 Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2019-01-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, American Express set me with a pre-set limit on my card of XXXX without advanced notice. They did this to me while fully aware my balance at the time was XXXX. Now it shows I am over my limit. I have never had difficulty making my payments on time, but a leak in my home caused me to fall behind. I am XXXX  past due and as of today XX/XX/2019, I am 13 days past due. I called American Express on XX/XX/XXXX to get an understanding as to why my limit was preset without any advance notice and why they set the limit less than what my balance was. I expressed to them that this isn't consumer friendly and it was an unfair practice. I spoke to about 3 different people who were of no help. I finally called again and spoke to someone else and that person was very rude. She was aggressive and spoke over me the whole time. I decided to do a cease and desist and for my card to be closed out of frustration. Prior to her reading the required disclosures, I told her to hold off on closing my card until I spoke with a manager. She told me a manager would call me back. About an hour later, I got a notification that my card had been closed. The rep who closed my card did not have consent to do so. She didn't follow compliance and she violated federal regulations. She didn't read the required disclosures. I called back and asked to speak to a manager again. Still no manager to speak to. I was promised a call back the next day, XX/XX/XXXX, and I got no call back. I called American Express back to reopen my card and there was no resolution. My card is still closed. This morning, XX/XX/XXXX, I woke up to a threatening letter from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Capital One in XXXX to pay off my 2 cards. I gave them the balances owed because they do not show all of the card numbers on the credit report. I had one card that I was a signer on and the other with just myself. Capital One gave me the collection agency to call. I called and payed off one of the cards. I was told that it would take 10 days to update. When it did not, I called Capital One back. They told me that the payment was showing up but that it could take up to 30 days. To call the agency back and have them update. I called XXXX XXXX back and told them what Capital One said. I then called Capital One and asked them to send me a payment letter. They next did. Later in XXXX I called Capital One to discuss my 2nd card. I asked how to take care of it. I was told to call XXXX XXXX and I was given the XXXX number as the last 4. I asked several times about the XXXX balance to make sure I was paying off the 2nd card. I was told it was. I paid XXXX on XX/XX/XXXX to settle this account. I have called Capital One about 15 times since XXXX and I was given incorrect information EVERY single time until a couple weeks ago when I spoke to a gentleman who called XXXX XXXX to try to sort it out. He also said that the XXXX card was back at Capital One and has been since XXXX. Yet EVERY time I called Capital One .... they did NOT mention that. They ONLY said that it was still unpaid. I attempted to settle this today. The 1st lady said the XXXX card was mine even though I had to repeat about 20 times that it was mine and that I KNEW it was mine. The Senior person I spoke with is part of the issue. She wanted to settle for XXXX AFTER not giving the proper information in early XXXX when I spoke to her. Her misinformation along with the others had me losing XXXX. It has ALSO impacted my credit report in a negative way for MONTHS. Capital One is who gave me the card info. They should have been EXACT as to what balance was for which card, so that I could take care of it correctly. They ALSO should have told me that the 2nd card was back with them in XXXX. They did NOT. I only found out after months of wasted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: TX
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 have contacted XXXX XXXX XXXX XXXXXXXX to remover this fraudulent account from my report. I am a victim of identity theft by data breach. I contacted XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and asked to closed this account that I did not consent to account being opened. It was finally closed on XX/XX/XXXX with XXXX balance. XXXX XXXXXXXX XXXX XXXXXXXX has refused to removed fraudulent report from my credit report. I have disputed this account on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I HAVE SENT NUMEROUS DISPUTES, POLICE REPORTS, ETC. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IT IS FRAUDULENT AND I DID NOT CONSENT TO THE OPENING OF THIS 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 2019-11-16
Company: Coast to Coast Financial Solutions, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notice in mail dated XX/XX/19 indicating a past due amount of {$50.00} owed to XXXX XXXX. We autopay XXXX XXXX through our checking account. Letter is threatening in nature.

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 2023-09-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I have called and posted my issue in the message system for Specialized Loan Services regarding the payoff of my 2nd mortgage; requested the full reconvenyance and refund of overpayment. I used the online system to get the payoff balance and made two installments, the first at {$50000.00} was posted on XX/XX/2023 and the balance of {$14000.00} ( per the payoff provided ) posted on XX/XX/2023. Shortly after the payments processed I called and was told it would take 51 days for them to issue the refund ( an overpayment per their site of {$580.00} ) and to provide the reconveyance to support loan paid. I have sent messages again, no response. It is now 65 days with no response and I am concerned about clearing the lien status on my property to just reflect my first mortgage.

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 2023-09-21
Company: Early Warning Services, LLC
State: CA
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:
1. The contractor, XXXX XXXX, XXXX, ( XXXX ) told me they will incorporate my business as a XXXX and ended up only incorporating as a single person XXXX- which has made my tax liability very different, and resulted in severe financial loss. When asked to refund the money for service not done they just avoided all calls and texts. Eventually I told them that I will complain to FTC, thats when they got back saying they were on " sick leave for the past XXXX  months ''. They finally accepted they made an error but are absconding since. 
2. They also charged me for tax guidance and filing service which they haven't given. I keep asking them to be mindful of my money and refund it if they can't help me and they again abscond. I have been chasing them for multiple months now and they just dont reply.

When I asked for refund for clear wrongdoing, they said " they have done nothing wrong '', and " we have already spent the money '' on the false, misleading and wronf service These people have caused me severe monetary loss for 1 ) wrong company structure 2 ) no tax guidance 3 ) no customer service 4 ) absconding when asked for updates I am someone with multiple XXXX XXXX XXXX XXXX XXXX, and I really can't afford to lose {$400.00}. I really really hope the FTC can help me get my money Details - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: OH
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:
The statue of limitation is up and this negative items are still on my credit report and i wish to have them removed.

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 2021-08-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I noticed I had a couple inquiries I did not recognize on my report so I called XXXX, Experian, and XXXX  to have them removed. They all informed me that I needed to file a FTC report and mail it to them. On XXXX I filed a FTC ID Theft report ; FTC Report Number XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.

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 2020-09-14
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for forbearance on my mortgage account related to COVID 19 financial difficulties. My payments were reinstated as of XX/XX/2020. I made the XXXX payment on XX/XX/2020 however my servicer has not credited that payment to my account. I have messaged DMI servicing twice now through its secure message center asking for my payment to be credited but I have not received a response. When I review my account, my payment still shows due for XX/XX/2020. I realize I need to reinstate my loan however I have not received any formal communication from DMI as  to my reinstatement options. Obviously I do not have the ability to pay the 3 months of deferred payments in one lump sum otherwise I wouldn't have applied for forbearance but I also do not know what my options are. I do not want to talk to DMI by phone. I would like any communication to be mailed so I have a record of what my options are. 

In addition to this matter, DMI is preventing me from using its online payment system for making payments to my account and will not accept personal checks via mail or at a bank branch office. The only options I have for making payments is XXXX XXXX which causes me to incur substantial additional costs ( {$89.00} ) or certified check which again is an additional cost and a significant inconvenience as I am forced to go to bank branch and deal with an in-person interaction in the face of COVID 19. Neither of these options are ideal so I ask DMI to please reinstate my ability to make online payments to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I applied for and received a credit card from U S Bank, called XXXX XXXX XXXX XXXX. The enticement that caused me to apply for the card was this : " Save an additional XXXX cents per gallon of fuel FOR ONE YEAR each time you redeem 100 fuel points ''. 
XXXX, via their customer reward card, gives 10 fuel points for every qualified {$100.00}. spent in their store. The points can be used to reduce the cost of gas at XXXX XXXX stations. 
on multiple occasions, I used more than 100 fuel points but did not receive the " additional '' earned reward points promised by US Bank Master Card. For example, on XX/XX/XXXX, I purchased XXXX gas and used 200 of my 266 fuel points. I received 25 additional points, making my discount {$.00}. On XX/XX/XXXX, I purchased XXXX gas and used 500 of my 516 fuel points, and received a discount of {$.00}. 
According to the promise of the card, I should have received ( in the first example ) a discount of {$.00} ( additional 50 points for 200 XXXX fuel points ). In the second example I should have received 500 additional fuel points in addition to my XXXX points, making my discount {$1.00}. 
As I read and understand their own written words, I am not receiving what I had expected upon applying for their mastercard.

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