BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: JPMORGAN CHASE & CO.
State: CA
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. When I booked the air ticket on XXXX XXXX website, a pop up promotions ad which was similar to attached screen shot appeared. So I applied the Chase MileagePlus Explorer credit card and it was approved by Chase. Then I purchased my ticket by using the just approved Chase credit card.

- On XX/XX/XXXX. When I received my first statement from Chase, I did not see the {$100.00} statement credit which is promised in the ad for my first purchase. I called Chase MileagePlus Explorer credit card. The representative said that I can only get XXXX bonus miles and there is no {$100.00} statement credit. I requested to talk to his manager ( the managers first name is XXXX ). The manager promised to investigate and call back to me.

- On XX/XX/XXXX. XXXX called me back. I did not answer the phone, since I was busy. So he left a message on my cell phone. In the message, XXXX said that Chase Card will honor the {$100.00} statement credit, since I did my first purchase with the Chase credit card on XXXX  website. And if I want to get additional XXXX bonus mile, I need to spend over {$3000.00} on my purchase in the first three month. ( I can send you the recorded voice message if you need it ) - On XX/XX/XXXX. I called back Chase Card. The representative said that she can not read the notes from the manager, so she can not do anything, she just let me know how much that I still needed to spend to get to {$3000.00} for the first three month. So I spent my Chase Card over {$3000.00} for the first three month.

- On XX/XX/XXXX. I called Chase Card again, since I still did not see the {$100.00} credit. The representative said that as a courtesy, Chase Card gave me additional XXXX bonus miles, but no {$100.00} credit. I requested to talk to his manager, and the manager still could not make decision. And promised to call me back.

-OnXX/XX/XXXX. A senior manager called me back. He said that I am not their targeted customer and am only the general public. He also claimed that I take advantage of Chase Card and Chase Card did not have that kind of promotions that I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Healthcare Finance Direct LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been behind on payments due to health and family issues.. I tried to explain or to them.but they didnt care so I had to stop payments to make sure my family was fed. I finally got some money coming in and made a ONE time payment of the regular {$67.00} and some change. But they decided after to take four {$25.00} payments and a {$170.00} payment one right after the other without my permission to do so. They completely emptied out my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: MD
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My problem is with Select Portfolio Servicing , inc . 

I received a letter dated XX/XX/XXXX stating that they would not let me assume the mortgage of my late mother and they have rejected the modification request. I did not request a modification. I requested on XX/XX/XXXXa Repayment Plan. The XXXX XXXX XXXX XXXX XXXX also faxed them my request for a Repayment Plan. I had previously submitted all paperwork showing that my husband and I earn more than enough to pay a Repayment Plan. They never addressed the request for the Repayment Plan. I was told on the phone today -- at XXXX -- by one of their representatives ( and they have a recording of the telephone conversation ) whereby she stated that if the Investor -- which I understand is XXXX Bank -- does not want to negotiate with you -- no matter what you request -- they would not okay it. 

They have not stated this to me in writing. They just asked me to send the same paperwork over and over again. The letter stated that SPS is committed to home retention and there are other options available. 

They are giving me the run-around, and I have never heard of a bank that rejected a repayment plan. My late mother left her home to me. My name is on the deed of the home and her name is on the mortgage of the home. She passed away in XXXX of XXXX. I have been trying to resolve this ever since to no avail. 

SPS ( Select Portfolio Servicing ) are using deceitful means to try to take the home from me. 

Please help me. 

Thank you.

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 2019-02-23
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I just received a phone call at XXXX XXXX  from XXXX XXXX   claiming that she was doing a curtesy call and that she was a lawyer trying to do a follow up of a complaint I made thru you guys against a payday loan and XXXX XXXX  she when I then asked to clarify who she or what company she was from and then stated XXXX XXXX  I said I should not be talking to you if your the one I am making a complaint to and that she should not be calling me she should be giving the CFPB a response to my complaint not following up to me directly regarding the complaint seeing that she also stated that she is a lawyer she should of known that and not reached out to me to question me about a complaint made to XXXX XXXX  the fact that she went behind and directly reached out to me is not what she was suss posed to do not know where's when I make this complaint nor when I submitted that complaint did it says that the person that I made my complaint about would reach out to me the CFPB stated after and in the following email that as soon as you guys recieve a response you will follow up with me of the response from the business not that the person said complaint was against would reach out to me that is a lawyer tactic she was trying to get away with thinking that I would not catch on I do feel that she reached out to me as a tactic to so called get me to incriminate myself per say by saying something not as the same for first complaint I feel she was not proper and that a lawyer with any professionalism especially someone with XXXX XXXX  would know not to call me as well as making a what she called it a curtesy call before she gave the CFPB her response the call lasted 6 minutes as recorded on my call log

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2019-03-18
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have had this vehicle since XX/XX/XXXX. It is financed through Credit Acceptance Company. Last XX/XX/XXXX, they Repossed my XXXX XXXX. However I had to pay $ XXXX repo fee+XXXX  to get my car back. Payment was not late. they got my car two more times after I have filed Bankruptcy. 
I paid my money to the trustee XX/XX/XXXX as well as XX/XX/XXXX and Thursday XX/XX/XXXX they came and got my car again. all this is doing is lowering my credit score. My score was in the 600s when I purchased this vehicle now my score is XXXX. 
The is not a good finance 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 explanation
Consumer complaint received 2019-02-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
for several months i have been trying to communicate with midland credit management, asking for verification and validation of an amount they say i owe of {$500.00}. not only did they fail to respond in the timeframe allowed by Fedreal Fair Credit Reporting Act. They have now sent the bill to my grandmothers house in XXXX, New York. I was born and raised in XXXX XXXXXXXX, Va, i live here and work here, NEVER lived in new York. It is a violation for them to send MY INFORMATION to my grandmothers house, i guess as an embarrasment tactic, but i have a slew of family that would have access to this mail- aunts, uncles, cousins and not to mention my grandmother!! 

midland Funding is not abiding by the rules, as far as reporting or there tactics, the methods they are using are illegal and very actionable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
XX/XX/2018 I am being hit with a Inquiry from wells fargo. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from my credit.

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 2017-09-14
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with XXXX and must pay this fee, this breach could generate a potential revenue " wind fall '' for XXXX. Additionally, Experian and XXXX could similarly profit. XXXX, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.

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 2021-11-15
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: Personal information incorrect

Complaint:
I have sent in two certified letters to all three credit bureaus and the issue still has not been resolved as of this day. I also have received in the mail a data breach. I also send a copy of a police report when my personal information and purse were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with XXXX and must pay this fee, this breach could generate a potential revenue " wind fall '' for XXXX. Additionally, XXXX and TransUnion could similarly profit. XXXX, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Absolute Resolutions Corp.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
ABSOLUTE RESOLUTION INV ACCOUNT XXXX UNKNOWN COMPANY OR DEBT APPEARED ON MY CONSUMER REPORT XX/XX/2019. IT SHOULD BE NOTED THAT THE NATION WAS IN PUBLIC HEALTH OUTBREAK-COVID 19, THEREFOR NO DUE PROCESS NEVER TOOK PLACE TO HAVE DEBT VALIDATED, THIS DEBT IS NOT A VALID DEBT. ALSO, IT WAS PLACED ON MY CONSUMER REPORT WITHOUT MY CONSENT WHICH IS AGAINT THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a USBank Reliacard debit card today XX/XX/2021 for unemployment. I am most definitely NOT unemployed, I own my company and did NOT lay myself off. I have tried repeatedly to contact the state of Ohio unemployment and they hang up on you after ridiculously long wait times. USBank has a fraud form to fill out to close the card, but at the end it states I must then inform the failed government agency that I can not ever reach! This is unacceptable and I am furious to see first hand that these type of things are happening and most definitely at the taxpayers expense!

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 2019-12-10
Company: CITIBANK, N.A.
State: FL
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:
Several charges were made on my Citibank credit card, which is a card issued by the US military for government travel. Approximately, XX/XX/XXXX, I received a fraud alert from Citibank regarding several unusual charges made to this card. I advised the Citibank representative that I had no knowledge of these charges nor did I make these charges or authorize anyone to make any charges and I properly disputed all charges as fraudulent at that time. Citibank subsequently froze the card to prevent further transactions and I was issued a new replacement card. 

The fraudulent charges are as follows : XX/XX/XXXX XXXX 's XXXX  {$57.00} XX/XX/XXXX XXXX XXXX {$66.00} XX/XX/XXXX XXXX XXXX {$4.00} XXXX XXXX {$28.00} XXXX XXXX {$9.00} XXXX {$29.00} XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX {$9.00} XXXX XXXX {$6.00} XX/XX/XXXX XXXX XXXX {$29.00} XXXX  XXXX {$17.00} XX/XX/XXXX XXXX XXXX {$18.00} XX/XX/XXXX XXXX  {$200.00} XX/XX/XXXX XXXX XXXX {$35.00} I have never in the history of my use of this card utilized it in such a manner. This card is solely for use during military travel. On XX/XX/XXXX, almost eleven months after my dispute, I was advised by Citibank that I would need to dispute each transaction directly with the merchant where the transaction was made and until this was done, Citibank would not remove theses charges from my account. I have made several attempts to resolve this with Citibank, but they have refused to remove these fraudulent charges and I have been left with no choice but to file this complaint as I believe the Citibank 's actions are improper. Additionally, it is my understanding that consumers are not responsible for fraudulent activity with a stolen credit card or account number beyond the {$50.00} liability limit provided the consumer to appropriate actions, and I took appropriate action in this matter.

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 2021-04-28
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23
Company: RS Clark and Associates, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX receive medical treatment at : Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX === {$1100.00} === {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I paid my co-pay and XXXX XXXX Paid the balance of {$1100.00}. I resigned from my XXXX   job in XX/XX/XXXX. In XX/XX/XXXX I got a letter from collection agency for {$1100.00}. I went to the clinic to find out why they sent me to collection agency. They stated the claim was paid but charged back by XXXX XXXX. I called XXXX XXXX who stated they charged back the payment when they received notice that I resigned dated XX/XX/XXXX which triggered the charge back. I called XXXX, my previous employer about the wrong date and they corrected the date and sent it back to XXXX XXXX. I was instructed to tell the clinic to resubmit the claim for payment again because XXXX XXXX can not repay the claim until the clinic request repayment. 

The clinic office manager stated the doctor that worked at that time is no longer there and company policy will not allow them to reprocess the claim. I submitted a dispute and the reason twice to XXXX and each time they refused to verify with the clinic. 

The only result I want is for the collection to be removed from my credit. Its their right to decide not to process the claim but when they refuse to do so and XXXX XXXX is willing to pay the claim. That is there decision not to get paid. I ask that your agency call the clinic and request from them to remove the account from collection and suggest they change their policy and refile the claim.

Company response to consumer: Closed with explanation