BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Cardmember Services appears to be withholding the refund of {$750.00}. 

XX/XX/2020 flight in the amount of {$750.00} was purchased through XX/XX/XXXX using credit card ending in XXXX. Flight was cancelled due to Covid-19. 
Charge was disputed via Chase online. 

XX/XX/2020 - Chase notice re : carrier contesting the dispute, and to submit additional information by XX/XX/2020 if consumer wishes to continue the process. 

XX/XX/2020 - Consumer submitted additional information via fax. 

XX/XX/2020 - Chase notice closing the dispute and determining consumer is liable for the charge. 

XX/XX/2020 - Notice from XXXX that refund has been processed, but that it is up to the credit card company, Chase, to determine when the refund will actually be received. 

See attached documents for details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: OH
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 informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Second Chance Collections, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Last summer two men knocked on our door representing XXXX XXXX XXXX saying they were doing free roof inspections. We let them go on our roof and they came down and said it was a total loss. They asked me to sign a form that would allow them to contact our insurance co. After they left my husband and I had a bad feeling about this co. and decided to go with someone else. We got our roof done and never thought about it again. Fast forward six months later, I get a phone call from Second Chance Collections saying I owe {$1500.00} for 10 % of the job by XXXX XXXX, I informed them that i'm not paying a dime since they did not do our roof. From XXXX/2018 to today they have harassed me at home, they harass me at my work, they even went on my work website and got the owners personal number and called her and harassed her, they call my work and threaten the receptionists, I have asked them to stop and they refuse. I have called several different attorneys but they all say there is nothing they can do unless they actually serve me. I have never received anything in writing from them and they threaten to serve me but in seven  months nothing ever happens except for the harassing phone calls. What they are doing is illegal, but they don't seem to care, don't I have any rights here, this can not go on anymore and I just don't know what to do! Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
State: NJ
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:
In XXXX I made a purchase of shoes ( sandals ) via the internet. They are expensive, cost around {$100.00} but great for people with bad backs and knees, they have extra cushion. What I received were cheap plastic sandals. I tried over weeks to resolve the matter with the merchant. The merchant wants me to make an additional purchase for which they will give me a discount. First I can't afford to make another purchase and second I don't trust them. The merchant has tried everything to stop me from returning the merchandise. I paid to have it shipped to me they should pay to take it back. Every time I make a better offer to them to return they add more difficulty including saying that they would not be able to resell the item. I finally filed a dispute. My dispute was declined because I was still in possession of the item. I provided ample evidence that I tried to work with the merchant. The merchant even shut down the web link to my purchase and their website to which I also provided evident to the credit card company.

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 monetary relief
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted your office in the past and have also spoke to you recently as regards to a long outstanding case with Wells Fargo Bank. 

I have been in contact with Wells Fargo on a number of occasions since XXXX as regards to my property that went in to Foreclosure and was sold without my knowledge on XX/XX/XXXX. 

Over the months I have tried calling Wells Fargo, but was put through a number of different departments where no one could help me. 

I was told months before the Foreclosure that a modification plan could save the property. As a XXXX resident at the time the modification was set supposed to have been set up I was in the XXXX undergoing XXXX XXXX and could not travel. Wells Fargo requested that I faxed through to them the documents required for the modification and the documents was faxed through to them on a number of occasions of which I spent nearly {$200.00} on faxing the documents they had requested and have proof of confirmation or acknowledgement receipts. 
The final documents they requested I faxed through and also had the confirmation receipt. 

I waited four weeks to hear from, but heard nothing within that period, so I decided to call them and to my horror I was told by Wells Fargo that they did not received the last set of documents I had faxed through ( strange, as all documents faxed through to them before, they had received ) and again to my horror they told me that the property was sold sometime ago. 
So during the weeks of faxing the documents through to them to start the modification process, they had lied to me and deceived me in to thinking that I had a chance in securing the property, when unknown to me they had sold the property and made a profit. 

I hope you can look favourably on my case, as justice needs to be done to protect vulnerable people from these commercial giants. 

I have lost all my furniture and belongings that was in the house at the time they sold it, and now I have nothing, because of the injustice I have suffered at the hands of Wells Fargo. 

I have tried to contact them on several occasions, but was told they can not find my files or any details about me. I sincerely hope justice will be done and wait to hear from your office. 

( This letter was sent via mail on XX/XX/XXXX, but I was told by your office that it was never received ).

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 2021-04-29
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX  online but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. 
is /if there is a solution i would like some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: DISCOVER BANK
State: PA
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:
I received notification via email and then checking with my online credit card account that my credit limit was decreased from {$6000.00} to {$1800.00} this morning due to reviews of my credit profile. The crazy thing is on their site my FICO score increased by 12 points within the last month and they say that my latest review warranted it. Very rare is what I found when researching this and very horrible in time such as this when my other cards are helping they decide to rob me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Consider this a follow-up complaint to ensure that one erroneous account must be investigated for its misleading report in my credit report. I have already sent a complaint previously and I am including this account again. Please verify this account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}

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 non-monetary relief
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/ 2016 I financed a car through XXXX XXXX XXXX XXXX ( XXXX ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On transunion they claim it as a repossession and that I owe over {$14000.00} on XXXX it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mother died been paying mortgage said not paid, Have proof of everything, and faxed to them several times,, pymts have been paid, and never late, Attorney gave me your number,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
BETTWEEN XXXX TILL XX/XX/XXXX I RECIVED NET SPEND VISA AND MASTER CARDS ALSO ALL ACCESS NET SPEND CARDS FIRST HAD A PROBLEM LOGGING IN THEN SOME OF MY CARDS WERE NOT ACTIVATED YEAH RIGHT THEN I COULD NEVER GET ANY INFORMATION BOUT MY DEPOIST I WAS TOLD TO CALL USA GOV USA GOV GAVE ME NETSPEND NUMBER WAS TOLD THEY HAVE ALL THE INFORMATION ABOUT MY ACCT STILL U HAVE A DEPOSIT TO MA U NEVER HAD A DEPOSIT CONTACT THE ONE U ARE SUPPOSE TO BE RECECING BENEFITS META BANK TOLD ME THE SAME SO I GOT TIRED OF THE BACK AND FORTH I APPLIED FOR THE BENEFITS CAUSE I REALLY NEED THEM SECOND TIME WOW CAN U PLEASE HELP ME OH I JUST CLOSED MY ACCTS

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 2020-05-21
Company: TD BANK US HOLDING COMPANY
State: CA
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:
My complaint Is against Target who failed to Give me the opportunity to negotiate and or inform me that when I paid my charged off debt in full including interest would not be deleted from my credit report for 7 years. I am cleaning up my credit getting my life back together and Other creditors are deleting the charged off debt when paid in full. So why cant target? They are choosing not to. I am filing this complaint so Target May resolve this issue by doing the correct thing and deleting this charged off remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing the fraudulent 1099 reporting submitted by Select Portfolio Servicing , Inc . I have never done business with this company. I have never received a dime from this company nor {$13000.00}. I have called this company multiple times and sent certified letters requesting clarification to no avail. This is causing me unnecessary stress as now I am facing a debt, I dont owe to the XXXX due to this fraudulent reporting. I need assistance getting this company to clear this fraudulent 1099 reporting to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were sued by XXXX XXXX Bank on XX/XX/XXXX by the attorney XXXX XXXX XXXX with XXXX XXXX XXXX XXXX in XXXX, CA for a title issue that had existed since we refinanced with XXXX XXXX back in XXXX. There was an error in the way title was registered during this refinance. Since both XXXX XXXX and their title company, XXXX XXXX XXXX no longer exists, their is no title insurance company to manage this issue on our behalf. The law suit identifies XXXX allegations with title impropriety as the primary issue. They allege that by taking title in our individual names and then placing title in our Trust we some how placed XXXX XXXX Bank into a secondary lien holder position. It was never our intent to deceive or circumvent paying them when we sell or refinance. We contend that XXXX XXXX Bank could have taken a less heavy handed approach to correct this title error. New documents could have been provided with a letter explaining the oversight and what is required to put things in order. Instead, we have had to engage counsel to protect our property in interest costing us over {$15000.00} to date. 

We reached out to the XXXX XXXX XXXX Recorder, State of California Insurance Commissioner with no success in engaging their assistance or involvement. 

We contend that we never had any intention of not paying XXXX XXXX Bank the mortgage we entered into and welcome resolving this issue at the earliest date possible. We also contend that we are not the only clients who are facing this type of litigation since it places our property into a liz pendens status ( pre-foreclosure ) which places additional financial strain on us and our resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: CA
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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.

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 2020-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX, I received a promotional offer via e-mail for opening a Business Fundamentals Checking account with Bank of America. On XX/XX/XXXX, I used the link provided in the e-mail to apply for this account and enroll in the promotion ( Promo code : XXXX  ). 

According to the terms of the promotion ( see attached ), Bank of America stated they would award me a bonus of {$300.00}, provided I meet the following requirements : 1. Open a new Business Advantage Checking OR Business Fundamentals Checking account by XX/XX/XXXX. 
2. Make qualifying deposits of at least {$5000.00} and five electronic payments within 90 days of account opening. 

My Business Fundamentals Checking account was opened some time between XX/XX/XXXX and XX/XX/XXXX. Initially, there was a technical glitch which did not properly attach the promotion referenced above to my account. I visited my local Bank of America branch and spoke to a helpful Assistant Branch Manager, who escalated the issue and was able to get the promotion correctly applied to my account. According to the attached documentation she provided, my account was enrolled in the promotion effective XX/XX/XXXX ( Promo code XXXX ). 

An attached screenshot of my account shows I met all of the above requirements for the promotion. A deposit of {$5000.00} was made on XX/XX/XXXX. This was within the 90 day period from the date the account was opened. From XX/XX/XXXX through XX/XX/XXXX, I made more than five electronic payments on my debit card. 

Furthermore, the promotion terms state : " We will make every attempt to deposit the earned cash bonus directly into your business checking account within 90 days from the end of your qualifying period. '' The last day to open an account in order to qualify was XX/XX/XXXX. 90 days from that date was XX/XX/XXXX, so we are past the point where the bonus should have been paid. 

Even though I met all the terms of the promotion, Bank of America has failed to post the {$300.00} bonus to my account. At the end of XXXX, I followed up with the Assistant Branch Manager at my local branch, who informed me that she escalated this issue for resolution. It has been over a month since that correspondence and she still has not heard back from the corporate office. 

Trust is an essential part of any business relationship. The lack of a response and action from the back office is beginning to make me question that trust. Bank of America has not fulfilled their promise of awarding the {$300.00} bonus they owe me for fulfilling the terms of the 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 monetary relief
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My Transition credit report shows 3 medical collection debts, of which I did not receive proper notice of on my credit report.This is interesting, since I previously had an open payment plan with the debt collector and was paying for other medical collections, these should have been included in that payment plan. When I was made aware of these through my mortgage broker I immediately contacted the collection agency and they agreed to remove them from my credit report in exchange for full payment. I have contacted the collection agency several times. They indicate my file has been updated and it takes over 45 days, this not what the law reads. I have opened disputes and they have been closed with the credit reporting agency. I have applied for a mortgage and been denied as a result. This is adversely affecting my credit and needs to be corrected per the FCRA. Your assistance is appreciated.

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