BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notification of settlement to resolve a debt from IC System. On XX/XX/2020 I went online, entered the reference # XXXX noted on the offer and paid the amount offered to resolve the debt. ( XXXX toward a principal of XXXX ) A few days later I followed up online and the debt did not reflect my payment. I called customer service and assured them the payment cleared my account and gave them the confirmation # I received upon payment. After a moment, the representative stated the payment was applied to a different account. An account to which I had no knowledge. The account to which the payment was applied had time-barred debt. I believe the company knowingly mis-applied the payment in order to reset the statute of limitations on the old debt I was not aware of, in order to hold me liable for set time-barred 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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The attached picture shows Transunion caught in fraud, I have one picture from XXXX XXXX  that shows the correct amount, and one picture from Transunion that is malicious. Action if you say that this is a duplicate please send me the duplicate or next time you will see me in dc at that office with the media.

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 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I disputed charges by XXXX for the canceled flight, that clearly expanse in their policy, that if the flight is canceled due to the airlines operation, the customer is fully eligible for nay fees, taxes, the actual ticket and any other charges. After my flight was cancelled by XXXX, I contacted the airline about refund but they refused. By the way they have hundreds of complains on XXXX regarding this fraud and activity. I contacted my bank to dispute examining the entire situation, yet they refuse to admit, I am right. What they do is support the illegal activity of the airlines< which is refusing to refund customers for cancelled flight which also by the way I stated as a policy with the Department of the transportation. I am tired of Capital one of this fraud and not completing a full and accurate investigation, rather than assumption. Please investigate since the want to revert my conditional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never open this account with XX/XX/XXXXand for sure do not owe them {$940.00}. I can not remember doing business with them. I disputed this account with CREDENCE RM and requested validation of the debt and until now they are unable to provide me proof that I owe you this debt. No update, changes, or investigation are made on this account. I carefully review my credit report from time to time and this is completely the same as how I disputed it the first time. My request for documents, statements, details about this debt, payment history are completely ignored. Which made me decide to escalate this and take legal action. CREDENCE RM needs to remove this from my credit report. There is no reason for this account to be in my credit report. If CREDENCE RM is unable to provide me documents that I needed to validate this account no reason that it should be showing and negatively affecting my credit score at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have yet to receive anything on this debt when I logged into my XXXX.com account and see a collection for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please be advised that you have failed to respond to my dispute letter. I sent this letter registered mail and it was signed and delivered for on XX/XX/2019. 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you may know, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

I have included a copy of my original request, the dated receipt of your reception of the original letter you have mistakenly placed on my records. 

Please delete the erroneous items from my credit report as soon as possible.

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 2020-04-30
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:
I was in XXXX XXXX during the XXXX holidays in XX/XX/XXXX and stayed at the XXXX XXXX XXXX. I purchased a couple 's massage at the spa on XX/XX/XXXX and when asked how much I wanted to tip, I said {$60.00} USD. The hotel spa charged me XXXX pesos ( about {$120.00} ) on my Chase Sapphire card. I immediately said " No, this is wrong. I said {$60.00} USD TOTAL, not per person '' and the spa refunded me the payment for XXXX and then charged me XXXX pesos ( {$60.00} USD ), which was the correct amount I wanted to tip. 

When I got home, I realized I never received a refund for the {$120.00} transaction on my credit card statement, even weeks later. I disputed the transaction with my credit card company, Chase. I lost the dispute and have appealed it many times but Chase continues to say that the charges are valid. One of the reasons cited was that they reached out to me for more information but I failed to provide it within the required time frame. The request for more information came in the mail AFTER the deadline to submit it had already passed, which is incredibly disingenuous. 

I have also contacted XXXX XXXX XXXX about this issue and they have admitted the charge was incorrect and said they have contacted my bank to reverse the charge. Chase still denied my dispute, even after this. 

I have receipts showing all 3 transactions - the incorrect charge, the refund, and the correct charge. I also have correspondence from Chase with each dispute denial and an email thread with the customer service company XXXX which manages claims for XXXX XXXX XXXX. 

At this point I'm being charged {$180.00} for a tip on a massage that I wanted to tip {$60.00} for. This is unacceptable. I have incontrovertible evidence that the charge for {$120.00} was incorrect and XXXX XXXX XXXX  has admitted this, yet Chase refuses to give my money back. I have sent them all of the correspondence and the receipts. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently, Firstpoint Collections reported eleven separate medical collections on my credit report. Prior to their appearance, I was not provided with a 30-day notice of my right to dispute. By reporting these collections without giving me the chance to contest them, is a violation of my rights. Additionally, I was requested a verification of debt on each of the eleven collection accounts from Firstpoint Collections. The requests were made by phone and by postal-mail over 30 days ago. Requests for those verifications have also gone ignored, which is also a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In XXXX of 2020 during process of purchasing a home my credit utilization was 50 % on a XXXX XXXX credit card. I was advised to do a dispute for balance since card had been paid down to XXXX. Dispute was done through XXXX XXXX. On XX/XX/XXXX my credit score dropped 115 points. After calling XXXX XXXX they said to contact Transunion which I did. They notified me that XXXX XXXX never responded to dispute so they legally could remove the card. I called XXXX XXXX two more times even speaking to supervisor and they confirm responding to Transunion. 
Also Transunion said to just tell XXXX XXXX to report and we will add back. XXXX XXXX   did report on 21 and Transunion saying did not get it. 
I am at a loss as I need this added back to move forward with mortgage and Transunion is in no way helping. They are being reported to as other agencies are getting the info.

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 2018-11-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018 I opened a checking account and a saving account at the JPMorgan Chase bank in XXXX XXXX, WI on XXXX XXXX XXXX. I did so in response to a blue card received thru the mail which says Enjoy up to {$500.00} as a new Chase customer. I was to receive {$300.00} for opening a new checking account with a deposit of {$5.00} and a saving account I was to receive {$200.00} with a deposit of {$15000.00}. At the end of my appointment with Chase employee, who set up both accounts and took my check for required amounts, I was informed that accounts were active and bonus monies would not be paid until funds remained in account for 90 days. After waiting the required 90 days I did not see bonuses credited to my account. At end of XX/XX/2018, I still did not see bonus credited so I called to talk to bank representative who opened accounts for me. 
Her voice mail said to leave message which I did. After several days she did not return my call I called to speak to any person at bank. I learned that bank employee was no longer employed by them but they would have supervisor to return my call. After days no one returned my call so I called again. I was told someone would get back to me shortly. No one called. I called again to talk and a teller informed me that since Chase employee had not put a code from the blue card on my account, they could not pay bonus. 
EVEN THOUGH I deposited EXACT amount required by their offer, and their representative ( an account specialist ) takes all info and monies, the Chase Bank does not honor their advertisement. This is because they say THEIR employee did not put code from blue card on the account. 
I called the president of the bank and left message. He chose not to return my call. 
On XX/XX/2018 I personally went into the Chase Bank on XXXX XXXX in XXXX XXXX and closed both accounts. Later I filed complaint with Department of Finance and Banking and Wisconsin Dept of Consumer Protection. 
JP Morgan Chase answer to my complaint was only that the required code was not on account and therefore they could not pay bonus to me. 
This is highly suspect that I put in the exact amount required and left it there for 120 days and now they say I didnt have a coupon. Their employee was given the coupon and she put it in a file in front of me. 
I would like to see the security video of our transaction which would prove that I gave their employee a card. 
If a more reasonable action not is taken with this second complaint, I realize I will have to take Chase Bank to small claims court. JP Morgan Chase needs to give a more satisfactory explanation for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called XXXX XXXX on XXXX XX/XX/2019 at XXXX hrs and spoke with XXXX. I attempted to make a settlement with payments for {$4000.00}. XXXX explained that I could not do that and he needed full payment immediately. I explained that I could not afford to pay the amount in full but I could make payments of {$100.00} per month and make settlement arrangements in XX/XX/XXXXwhen I received my military sign on bonus. He said he could not accept this arrangement. I asked for the payment address so I could begin mailing in payments. He said that I could not mail in the payments. I asked again and he said that he could give me the address but they would only accept payment in full. I asked again for the payment address and he refused to give me the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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 requested METHOD OF VALIDATION from XXXX, TransUnion, XXXX for the following accounts and never received the requested information only automated VERIFICATION from an 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 Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which  provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''

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 2018-11-12
Company: Figure Technologies, Inc
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inquired about pricing on a home equity loan from the company " Figure '' ( NMLS XXXX ) on XX/XX/2018. They collected information regarding my income and property address. Their online portal notes that " checking your rate will not impact your credit score. '' I assumed that I was providing information to receive an estimation of pricing - ( rates between x and y %  ). I later received an adverse action notice saying my credit application had been declined as they could not verify my credit history - I don't believe they completed a loan application, so I don't understand how I can be denied a loan that I hadn't actually applied for yet. I believe this was unfair and deceptive. Upon contacting the company they claimed that by requesting to check my rate I was making an application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, EQUIFAX AND XXXX HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX   XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/XXXX -- XXXX XXXX XXXX --

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Experian Information Solutions 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 requested METHOD OF VALIDATION from XXXX, XXXX, Experian for the following accounts and never received the requested information only automated VERIFICATION from an XXXX  system. 

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 Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''

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 2019-09-04
Company: Experian Information Solutions Inc.
State: GA
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:
As a result to a data breach at my realtors office my personal identity was compromised and misused to apply for and open up accounts without my knowledge or consent. i have taken the steps and precautions to protect myself from any further activity and damage of my personal credit file. i have a police investigation in progress locks for my credit monitoring sites that give me on time alerts and i have an identity theft report.

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 2018-09-09
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I called American Express ( XXXX ) to redeem cash rewards on my Blue Cash Everyday Card. The person I spoke with processed my cash rewards and encouraged me to sign up for the Blue Cash Preferred Card ( {$95.00} annual fee ). My current card has no annual fee. I said I would need to determine that the increased rewards on the card being offered would more than offset the annual fee on that card. I was told that inXX/XX/XXXX I made {$4900.00} in purchases at supermarkets and {$6000.00} at gas stations. Those figures confirmed the increased rewards more than offset the annual fee of the new card. I agreed to change to the new card. Later the same day, I thought the purchases given to me seemed excessive. I have all my statements forXX/XX/XXXX and they are available on my personal American Express credit card account page. I totaled my purchases for XX/XX/XXXX at supermarkets and gas stations at {$1800.00} and {$2100.00} respectively. I've since cancelled the change to the new card. To date I haven't incurred any loss as a result of this matter. If that changes in the future, I'll proceed settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sent a letter trying to collect XXXX for a facility. I contacted facility and asked if we had any outstanding balances. We paid copay amounts upon our regular visits and any copay amounts due on follow up visits. I sent XXXX a letter stating balance was not owed and verified by alleged original debt collector. I requested letter showing balance forwarded from alleged original debt collector. No information was received and another collection notice was sent.

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 2019-03-22
Company: EQUIFAX, INC.
State: MA
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 was sued in court for an collection account. I have court documents that I do not owe the debt. the credit bureau will not remove it from my credit report.

Company response to consumer: Closed with explanation