BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: JPMORGAN CHASE & CO.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
The dispute is over a {$610.00} charge on XX/XX/2018. The charge should not be on my account because I had received an email from Chase on XX/XX/2018 stating that the charge is declined and that my account will not be charged unless I attempt the transaction again. As a result of the email assuring me the charge was declined, I did not take any actions with the merchant. I did not attempt the transaction again so the fact that it later posted on my account is an indication of an unauthorized charge. The merchant has a 4hr cancellation policy and so when I found out Chase did not in fact decline the charge as Chase said it did, it was already too late for me to cancel the charge with the merchant. 

I have disputed this charge with Chase and provided Chase with the email evidencing the fact that this {$610.00} charge had already been declined by the Chase and thus should not be on my account considering I did not attempt the transaction again. Despite evidence of my not authorizing this charge, Chase refused to credit this amount back to my account. Chase decided to validate this charge and disregard the fact that the XX/XX/2018 email it had sent to me clearly assured me that the charge was declined and that I would not be charged unless I attempt the transaction again. Chase misrepresented the fact that it had declined the {$610.00} charge and as a result, I am now held responsible for a charge that could have been canceled in time had Chase not misled me into believing that the charge had already been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian and/or XXXX has not released the freeze on my credit report. I have applied twice to XXXX for a checking account and been denied twice. Before the second time, I checked all 3 credit reporting companies and was informed online that the credit freeze was lifted. Apparently it wasn't. I called Experian and was told by a recording that I would have to submit a request in writing. I waited 20 minutes on hold to speak to an agent but gave up. I called XXXX  and was told to call back after several hours because their system was down for maintenance and they couldn't get to my account. 
I want to know why I have to be at their mercy for keeping and lifting a credit freeze.

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 2020-08-31
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:
I was a victim of the Equifax Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX  and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - XXXX, Equifax and XXXX and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and XXXX is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from XXXX but have not heard from XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act, 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 written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX has been reporting an account XXXX XXXX XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of XXXX, and they stated it was removed, and then reinserted, and have not sent any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: KS
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/21 I was given a checking account number and routing # to pay off my credit card balance of {$1500.00}. My credit card balance after 3 days showed a {$0.00} balance. On XX/XX/21 the original payment of {$1500.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definitaley money in the account to pay the balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$250.00} in the promise that it would be paid with the same checking account that paid off my credit card. I submitted payment for the XXXX transaction on XX/XX/21 in the amound of {$250.00}. It was returned as insufficient funds on XX/XX/21. I disputed this transaction of {$250.00} on XX/XX/21. Sent in all of the requested information. Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Mortgage is foreclosed on but yet they continue sending invoices and placing default claims on my credit record

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 2020-05-15
Company: CREDIT ACCEPTANCE CORPORATION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX of XXXX I got a car loan for XXXX XXXX XXXX XXXX, from Credit Acceptance Corp. The loan was for approximately {$11000.00}. In XXXX of XXXX I was unable to pay for the loan anymore an contacted the company explaining my situation to them. I never received a reply back from them. Then several months later I contacted them a second time telling them to please come and take the car back I still could not afford the loan any longer and haven't been driving the vehicle it remained parked at my residence. Still I never heard back from them, they continued to ignore my requests. I've contacted them on 2 more occasions the most recent being in the beginning of XXXX, nearly 3 years from the point I first contacted them telling them to come and take the car back please. And I have still heard nothing from them and the vehicle still remains parked and not being driven. Just today, XX/XX/XXXX, I was notified by my credit monitoring company that Credit Acceptance Corp has reported new information to the credit bureaus about my loan. It turns out that have now reported this loan as being " re-opened '' with them ( it has been marked as closed for the last 3 years ) and they have nearly doubled the amount they claim I owe them. It went from {$11000.00} as a balance to now {$19000.00}. I have been pleading with this company to come and take the vehicle back now for nearly 3 years and all they do is ignore me. I'm positive they are ignoring me because they're just waiting for the vehicles value to continually depreciate over time.

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 2020-05-16
Company: The CMI Group, Inc.
State: CO
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:
To Whom It May Concern : I am writing to contest an unfair charge from XXXX XXXX. Per page marked XXXX, XXXX asserts the opportunity to charge customers on the Internet Essentials program any figure, whenever they feel like charging it. I have circled two phases that relate to my complaint. The program I enrolled in " Internet Essentials '' is for people who receive community support in the form of school lunch program for children. The program offers internet at {$10.00} a month. It reads at the bottom of that same page that XXXX has the right to change the price at any time. For two months of service they charged me {$10.00} plus and extra {$150.00}. This resulted in a bill of {$320.00}. 

I did not agree to terms where I would be charged any price especially exorbinant prices with over a100 % mark up. If I had prior written notice, which XXXX asserts it does not have to supply, I would have cancelled/disconnected the service immediately. I did cancel after I received a bill for {$160.00}. By that time, I have received a second month 's charge of {$160.00} because of the billing cycle. I am willing to pay the {$20.00}, and the account is cancelled so no further charges are being incurred. 

I could never afford those prices. I have a XXXX year old with XXXX and I need to spend my money on providing for him. This unfair billing has been reported to a collection agency and credit reporting agencies. Please help me reduce this bill. XXXX does not respond to my attempts to reduce it. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Hello, I signed up for a Delta Skymiles American Express Card on XX/XX/19. The signup bonus offer stated that I would receive XXXX Delta Skymiles after spending XXXX USD within the first three of the account opening date. 
I completed the required spending threshold by XX/XX/19, and I have yet to receive the promised XXXX Skymiles. 
I called the number on the back of my card ( American Express Customer Service ) on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and multiple times today XX/XX/19. The various representatives and supervisors kept telling me to either wait 6 to 8 weeks after the spend threshold has been reached to have that bonus posted to my account, per the terms and conditions of the signup bonus offer. Those 8 weeks have gone by, and American Express still hasn't resolved my issue. 
I'd be happy to provide detailed notes of all my interactions with Amex for each of the dates noted above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: INDEPENDENT BANK CORP.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had XXXX XXXX transfer my {$750.00} balance to my regular bank ( Rockland Trust ) Initially, it looked as if they were transferring to the wrong account, so I tried to reverse the deposit. I am now being told by XXXX XXXX that the deposit went through to Rockland Trust, but the reversal was denied by them. I spoke with Rockland Trust ( Branch XXXX XXXX XXXX ) that the reversal went through and XXXX XXXX now has the money. This was also verified by Rockland Trust 's website. This happened on XX/XX/2021. I have called XXXX XXXX numerous times, Emailed them, chatted with them. The discussion always ends with them saying I need to file a complaint with Rockland Trust. 
I asked Rockland Trust to help and they refused, saying they can not dispute any transaction over 24 hours old. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am seeking reimbursement of a total of {$700.00} due to the described below fraudulent transactions. On XX/XX/2021, I logged into my account and found a total of four transactions which were not authorized by me in my Checking Account. 
I then called Capital One to report the fraudulent transactions. The Capital One explained that my account will be closed. 

The following are the unauthorized fraudulent XXXX  transactions I reported to Capital One on XX/XX/2021. 

XX/XX/2021 {$200.00} sent to XXXX XXXX XX/XX/2021, {$200.00} sent to XXXX XXXX XX/XX/2021, {$150.00} sent to XXXX XXXX XX/XX/2021, a second {$150.00} sent to XXXX XXXX Above describes a total of {$700.00} which was withdrawn from my account using the XXXX XXXX. 
Please also note that I did not receive a text message to my phone ( which typically occurs ) when these transactions were initiated and successful. 

Capital One has sent a total of 5 letters, dated XX/XX/2021 denying my claim to reimburse the {$700.00} above ( see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a loan modification through Bank of America. The balance at the time was approx, {$88000.00}. 

After the loan modification, my balance increased {$30000.00} approx. I want to know why this significant increase. I was told that if I didn't sign the forms that I would lose my home and I don't have any place to go. I'm XXXX, XXXX and low income so I feel like Bank of America is discriminating against me because of it. my remedy is to do the loan modification without the {$30000.00} addition. also please explain the {$30000.00} addition.

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 2018-02-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX financial. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to XXXX XXXX. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.

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 2018-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Account for Kohls was paid off in full XX/XX/18 - cleared my credit union on XX/XX/18. 
As of today XX/XX/18, account still shows no credit available. I called three times in the past 4 days and they gave me the same excuse - it takes a while for it to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle is overcharging me for insurance. 
The problem began when they were late in paying for my homeowners insurance policy because they were late the insurance I had secured canceled my policy now Dovenmuehle   expects me to pay for the months that didnt have insurance because they were late in making the payment. 
I started getting notices back in XX/XX/2020 stating they didnt have a policy for my home on file. I let them know that I had obtained Bankers after XXXX XXXX canceled my original policy. Bankers notified Dovenmuehle  in XXXX that they had a policy for my-home at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
Dovenmuehle  didnt pay for the policy until XX/XX/2020. Bankers canceled the police as of XX/XX/2020 do to non payment and wouldnt reinstate the policy because it was late. 
Dovenmuehle  made two payments to Bankers one for {$2200.00} and {$22000.00} for a policy that was {$2200.00} a year. 
On XX/XX/2020 I received a phone call from XXXX XXXX who said he works in the escalation department or Dovenmuehle and that they had finished their escrow analysis into the shortage and I would be getting a letter in the mail detailing the outcome but he did tell me that I would not have to pay for insurance for the laps of time XX/XX/2020 to XX/XX/2020 because of the mistake with the payment. 
Now Dovenmuehle has sent me a letter stating they are charging me over {$600.00} for the laps from XX/XX/2020 till XX/XX/2020 and telling me I have to pay this amount even though IT WAS THEIR MISTAKE THE INSURANCE WAS NOT PAID ON TIME. 

DOVENMUEHLE IS TELLING ME THAT I HAVE TO PAY FOR TWO MONTHS OF INSURANCE THEY DEEMED I HAD NO INSURANCE EVN THOUGH THEY DID NOT PAY IT ON TIME WHEN IN FACT THERE WAS ONLY ONE MONTH WITHOUT INSURANCE DO TO THEIR MISTAKE OF NOT PAYING FOR THE INSURANCE ON TIME. 

Allied trust did not cancel my insurance until XX/XX/2020 as the attached document will show. 

REVIEW Dovenmuehle did not pay Banker insurance on time so Banker canceled insurance policy. 
Dovenmuehle sent me a new letter telling me I had to pay for two months do to their non payment to Bankers. 
Dovenmuehle is OVERCHARGING two months for insurance do to their NON PAYMENT of the Bankers policy on time. 
XXXX XXXX from Dovenmuehle said they were waiving the two months that had no insurance policy do to DOVENMUEHLE LATE PAYMENT to Bankers. 

Attached you will find the documents supporting my claim against DOVENMUEHLE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
best buy is reporting that this is a current account.this shows nthat this acct has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: MARINER FINANCE, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX Personal Finance Company XXXX contacted me from XXXX advised she was handling my account with Mariner Finance and that I was one payment behind. I advised I would pay one payment of {$110.00} on XX/XX/XXXX. XXXX then attempted to collect a 2nd payment from me that was due XX/XX/XXXX not past due yet. I advised payment was not past due yet and XXXX used a derogatory term toward me and spoke down to me by calling me " honey ''. I asked to speak to a Supervisor and she transferred me to a Mariner Finance branch. I asked the lady at Mariner to speak with XXXX 's supervisor and she transferred me to XXXX XXXX 's voicemail with Personal Finance Company. I left a voicemail message and XXXX XXXX called me back about 30 minutes later. XXXX XXXX advised me she was confused about why I was complaining and that XXXX was only doing her job. I repeated back to XXXX XXXX that her stance was XXXX was doing her job. I requested an address to write a letter of complaint and XXXX XXXX refused to provide me. I then asked to speak with her boss she advised she was not available and would not provide me with a phone number or address to contact her boss. She did provide her bosses name XXXX XXXX and stated she would have her contact me. XXXX XXXX then terminated the call. I believe that calling someone honey or sweetie you're telling them you see them as a subordinate, a child, someone who needs benevolent patronage.

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 2020-05-15
Company: WorldRemit Corp.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
The company is Word Remit, an international remittance company, and on XX/XX/2020 about XXXX XXXX I received two ( 2 ) emails from this company informing me that my two ( 2 ) transactions for {$900.00} each were both completed, meaning the monies that i sent to the XXXX, and immediately i responded to WorldRemit that I did not authorize both the transactions. My bank where the monies were taken is XXXX XXXX XXXX, I also reported and complained immediately to XXXX XXXX XXXX  that both transactions were fraudulently made. Word Remit and its partners in the XXXX should follow strict guidelines in disbursing funds to the recipient to avoid fraud and scam. 

XXXX XXXX XXXX is still investigating my complaint. And World Remit is passing the fault on me. 

I want my funds to be returned back, a total of {$1800.00}.

Company response to consumer: Closed with explanation