BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Further to complaint XXXX. I went to pay the one Chase card ( Chase Ink ) off in full today which Chase granted a few months ago only to find the account had been closed without my consent. I can see pervasive accounts like this online and suspect they consider me a high risk customer based on reports online. However, I have a 20 year history with the bank/credit cards and have been failed to pay off a card before the due date in the same month, had an overdraft or any negative interaction with the bank. I even tried when I got the card to set up a direct debit to pay the card off in full but was told this couldn't be done over the phone and instead could only be done via registering online via a separate system which I didn't want do. I paid the account off in full last month. 

I'm very upset by this but more so because I have a {$500.00} rewards on the card in addition to cash back of {$90.00} which I was told today that Chase wouldn't honour. I have also read reports of Chase closing bank accounts down alongside the credit cards which is very disturbing. 

Clearly there definition of an at risk customer is wrong as I couldn't be a more stable customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I'm a Chase Bank customer and I have been doing global wire transfer with them without any issue, however, I wired {$50000.00} to my brother on XX/XX/2020 which is the date Chase claimed the wire was completed but the recipient never receive the money. I contacted Chase three weeks ago and as of now there is no solution for my problem. They said a week ago that they initiated a wire recall but I did not believe them as such process will not take that long. The case number for this issue is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This complaint pertains to both a new Checking and Savings account with US Bank. The mailer prominently displayed " Get {$800.00} '' I responded to a mailed advertisement for a {$400.00} checking and {$400.00} savings new account promotion. The promo code was XXXX. 

I called US Bank as instructed on the document to open the correct product accounts. The customer service rep helped me open both Checking and Savings account and recited the promo code back to me to confirm. 

I met ALL stated terms on the promotion including dates, direct deposits, and minimum balances. The date by which the promotion amount should have been deposited passed with no bonuses deposited. 

I emailed customer service via email and had several exchanges. The rep helping me, XXXX XXXX, was very friendly and attempted to resolve the situation. 

Ultimately they confirmed I met all criteria, but that the code was entered incorrectly ( again, must have been by the telephone rep since it was over the phone ) and they attempted to but could not enter it correctly since the date of the promo had passed. 

Response : " I noticed the incorrect code was added to the account when it was opened so I submitted a request to have the correct promotional codes added to your accounts. It should take 2 business days to complete. '' Several exchanges later, the email rep apologized and said there was nothing they could do. 

Response : " I heard from our back office about the bonus again. They weren't able to add the bonus because the promotion is expired. I'm so sorry for any disappointment. ''

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 2018-01-24
Company: Van Ru Credit Corporation
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
i WAS CONTACTED 6 MONTHS AGO BY VAN RU CREDIT CORP TO COLLECT ON A DEFAULTED STUDENT LOAN THROUGH XXXX XXXX. VAN RU HAD STARTED GARNISHING MY CHECK AND TOLD ME THAT IF I PAID XXXX A MONTH FOR 5 MONTHS THEY WOULD SUSPEND THE GARNISHMENT. i FULFILLED MY END OF THE AGREEMENT AND THEY ARE STILL GARNISHING MY WAGES. i HAVE CALLE DAND SPOKEN WITH REPS AND TWO SUPERVISORS ABOUT THE SITUATION. tHE FIRST TIME I WAS TOLD THAT IT TAKES 7-10 BUSINESS DAYS. i WAITED THE 7-10 BUSINESS DAYS AND CALLED BACK THEN I WAS TOLD THAT THEY HAD TO TALK TO XXXX XXXX IN ORDER TO SUSPEND THE GARNISHMENT. i WAITED ANOTHER WEEK ONLT TO BE TOLD THIS TIME THAT XXXX XXXX HAD NOT RESPONDED TO EMAILS. i CALLED BACK 3 DAYS LATER AND WAS TOLD THE SAME THING. MEANWHILE THEY ARE STILL GARNISHING MY CHECK.

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 2018-01-24
Company: EDvantage LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed student loans via FAFSA. While meeting with my financial adviser we went through all the steps necessary to receive federal student aid for my education at that school. This was back in XX/XX/XXXX, it was n't until XX/XX/XXXX that I was contacted by Tution Options to process a payment of {$230.00} to help pay off my student loan. At that time she also mentioned that I should go on a payment plan of about {$50.00} a month. According to XXXX XXXX, the account manager at the time. This monthly payment was to help keep my loan paid and in good standing and for a while I believed it. I even got a letter in the mail saying that my loan has been paid. What luck! Finally, free from the burden of being in debt! Excellent! Time to get my life moving forward again. It was n't until i got an email from XXXX saying that I required to make a payment. What is this? How can I possibly have a balance on my account, I just received a notification saying that it was already paid off. In fact I got a letter and an email that says so. So in my dismay and confusion I called XXXX, they were super helpful and very kind in helping me with all my questions about my account. She even shared how much of it I still owe. Which is all of it. I mean all of it. All the monthly payments I 've been making through Tution Options had been for nothing. When asked if there were any payments made on that account she kindly replied that I have n't for quite some time and that my account is not in good standing. So naturally I asked if she 's ever heard of Tuition Options, she replied that she did not and immediately recommend that I speak with someone at the CFPB. I hung up the phone and immediately made the call. I was greeted by XXXX who was really helpful in identifying my issue and wanted to start a claim immediately. I told him I could do it on the phone but I did not have the supporting documents with me at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, PORTFOLIO RECOVERY ASSOCIATES, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF '' ORIGINALLY ON MY CREDIT REPORT. THIS MEANS THE ORIGINAL COMPANY THAT PORTFOLIO RECOVERY ASSOCIATES PURCHASED THIS ALLEGED BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES FOR THE YEAR XXXX. WHEN PORTFOLIO RECOVERY ASSOCIATES PURCHASED THE ALLEGED BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role and are only credit reporting agencies. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/XXXX, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' PORTFOLIO RECOVERY ASSOCIATES is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I have proof of claim from a prior complaint response from PRA admitting to their crimes of buying my debt and admitting to sharing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had 2 credit cards in my name from Capitol One due to identity theft. They erased one and said that it matched the fraud I reported. The other card they are refusing to delete because they state the address and information used to obtain the card is correct. The credit cards both had the same address and information used to open the cards so how can one be fraud and one not be? I have argued with them for a year and they will not fix this issue so I will be going to every length I can to have them fix this. The credit card in question has a balance of XXXX dollars and was opened XXXX both I do not have the information to the fraudulent card they cancelled but they were both opened around the same time using my same information and either of them are mine. They refuse to delete this one and it is wrongfully effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Automated Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/ I made a payment arrangement for {$55.00} after telling the representative at ACSI ( XXXX ) I could not pay at this time. 
While she tried to be helpful we came to an agreement that was for that amount and to call back in XXXX to continue that arrangement. 

The story changed in XXXX when I spoke to her and I was told my account would be sold to another agency, that I could now only pay over {$100.00} because I had agreed to pay the remaining large amount. That amount being over {$500.00} for a cell phone issue that was not even supposed to be reported to them yet. I already know that collections tell you things to get the money but I was so misinformed about the hardship ending in XXXX in the way she relayed the story. 

I promptly returned that call assuming we would continue that said {$55.00}, During covid and hardship troubles I was NOT told to my remembrance that the hardship was ONLY for 3 months! This was very troubling to now hear this. 

As her and her supervisor did not offer that option they were adamant they mentioned I could not have another hardship and they would not even look into it. It took me so much time to even get her supervisor as she aggressively would not transfer me. They both lacked empathy, used very aggressive voices and continuously spoke over me repeating the same price they now said I needed to pay. While I truly want to make payments I was baffled by their aggression over my account! They were far from kind. 

I was then told they were reporting me to the credit bureau and they would write refusal to PAY! 

This was a horrendous experience and I was so happy with my budget to get the arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charged over {$30.00} in fees by BBVA to use the ATM during the months of XX/XX/XXXX-XX/XX/XXXX. I called BBVA at the beginning of XX/XX/XXXX and they did credit my account the ATM fees. Then I kept being charged 18 fees for the month of XX/XX/XXXX, I called them and was told numerous times that a supervisor would correct the issue and return my call. I also sent multiple messages through online banking and have still not been able to resolve this issue. Because I have a clear connect checking account I should not have been charged fees for the ATM since they were in network.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
collector seized my checking account without notice or hearing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
The credit card was sent to me with the wrong first name on the account. I attempted to rectify this with the company and actually have another complaint filed against them that I am waiting for them to respond to regarding the name issue. They told me to fix the name that I had to send them a copy of my social security card and ID, which I faxed it and they never responded or fixed it. So, I mailed it and asked for signature on delivery. The signature reads, XXXX XXXX- I highly doubt there is an employee named XXXX XXXX - this is concerning because it was sensitive information, anyone could easily steal my identity with this information that was in the package. I have attached a copy of the tracking so you can see the signature name. I am very concerned. I think considering that Citibank has possibly compromised my information multiple times that they should pay for identity theft monitoring for the next year. I also would like to be reimbursed for all of my postage costs due to their mistake and incompetence. I also attached a copy of my conversation with customer service in which they told me to send my sensitive information to this fax # and address.

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 2021-08-17
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sunwest mortgage bank, repeated checking my credit. They did not do a look or soft pull, Sunwest made my scores go down drastically. Than told me you cant get the loan anymore because of your score. I called all 3 credit agencies all 3 stated the inquiries from Sunwest made my credit score drop. So Im stuck with a low credit score and no loan. My entire experience with this Bank has been nothing but excuses and reasons not to give me a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BBVA Compass advertised a {$200.00} bonus if a new checking account was opened and a {$300.00} ( or more ) deposit was made in to the account. I meet the requirements ( confirmed multiple times by BBVA Compass Customer Service ) but the bank refuses to honor its offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CITIBANK, N.A.
State: CA
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:
XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXX XXXX date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXXXXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to me.

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 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a CapitalOne Master Credit card opened on XX/XX/XXXX. However, on XX/XX/XXXX, I missed a Payment on the credit card and a late payment was reported to my credit report. The reason for the late payment was that I lost my grand mother, and my work was in an area that was affected by a natural disaster in an area that was sealed off. Long story short, I was going through some challenging time. I have since attempted to resolve this matter by asking capital one to remove the late payment and also turned on Auto pay to avoid any missed payment in the future but only received a general template letter responses to all my request. I have sent a total of 7 letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In XX/XX/2019 I sent for my three free credit reports. Only XXXX  sent the report which I received on XX/XX/2019. Tans union said they needed more information, which I sent in late XXXX and again in early XXXX. To date I have not received my credit report from either Trans union or 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 2021-05-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX/XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a response to Case XXXX. I did not respond because I was working on getting a lawyer  on the case. Nothing about the response said anything. The Comenity Bank response supported that they created 3 accounts on my credit in XX/XX/XXXX and are continuing to collect on fraudulent charges on the ComenityCB/HSN  account. They are doing this with harassing emails to my wife  who was just using our existing credit to purchase items from HSN. My wife   and I have **never** applied for any Comenity Bank credit and I stand by that firmly. I will not pay $ 2000+ for fraudulent charges on a fraudulent account when I know fraud occurred. I know someone was getting into my mail and I have not had any problems with fraud since I changed my mailbox key. I did file a police report. However, Comenity is directly at fault for the fraud. Comenity Bank has not yet showed evidence that I applied for the account but instead dodges the question. XXXX has supported the fraud. According to Comenity, after I disputed the charges end of XXXX with Comenity, they closed the account then opened a **new** account in XX/XX/XXXX. **I never asked for a new account**. Immediately, I closed the account over the phone via their automated system. The account was closed by XXXX  and XXXX but was never closed by XXXX. XXXX continued allowing Comenity to report status as if I was paying on it even though I had not paid on the account since we had the dispute end of XXXX. XXXX falsely reported late charges on the account end of XXXX. Since I stopped disputing with XXXX, they finally closed the account middle of XXXX like a slap in the face for trying. This is a case of identity theft, false reporting, intentional harassment, and unenforced consumer protection rights. I am not paying Comenity Bank for fraudulent charges on a fraudulent account. I have reported this to a lawyer. This has affected my credit and my ability to use credit for things I would like to use if for. This has affected my life and the lives of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them of {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing of {$1200.00} I never owed that much on the card. This is inaccurate all around!

Company response to consumer: Closed with explanation