BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
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:
I followed a series of links ( that I verified were legitimate ) and applied for a credit card ( XXXX XXXX XXXX XXXX ) that would give XXXX bonus miles for my XXXX XXXX XXXX account ( if spending {$3000.00} ) within 3 months on XX/XX/XXXX. I did this but did not receive the bonus miles. 

In XX/XX/XXXX, after I felt I had waited long enough for the bonus to be applied, I contacted the company ( Chase Bank ) through the secure message center on their website. 

I was first told that we are sorry, you were not eligible for the bonus. I sent a detailed reply with screenshots that I had taken of the links I had followed and the credit card terms upon sign up ( they are attached to this complaint as well ). I received another reply simply saying again that I was " not eligible. '' I sent an additional reply message ( again ) asking for an explanation why I was not eligible. 

I then received a reply that did not say anything about eligibility, instead the reply said we are sorry but we can only handle these matters within the three months on signing up ( in other words, the time has passed for us to help you ). 

To me, it seems obvious that the company was first avoiding the issue by saying I was not eligible. When I demanded an explanation they then tried a different excuse about timelines ( by the way, this timeline is not mentioned in the card terms at all ). 

This seems to be a clear violation of the CARD Act. Additionally, if the promotional terms ( as stated in the attached material ) were not true, this would be deemed deceptive advertising under FTC guidelines. 

Of note : Ironically, the above messages that I described were sent through the company 's " secure message center, '' they have now been deleted automatically by the banking company. This is my fault as I am used to things like email and messages never being deleted ( I should have saved them to my computer ), but it again is just another strike against the company. Why would they be deleting secured communication? This is unfortunately the reason I can not attach the actual messages exchanged with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with Caliber for a loan modification and they have acknowledged all the documents received and they still will not postpone the foreclosure sale date to allow us an opportunity to keep my home. I had a XXXX which forced me our of work. I have my Daughter taking care of me at this time. I am currently receiving Social Security benefits and of course the help of my Daughter. I dont have any where else to go if i lose my home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: AAA Auto Title Loans, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX bought a old cc debt in XX/XX/2012 now they sold it to XXXX XXXX & they hired a attorney XXXX XXXX XXXX XXXX the thing about is it is out of statu in the state of Arkansas

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Key 2 Recovery, Inc.
State: NE
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:
Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: EQUIFAX, 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:
These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018, I attempted to transfer ~100k of my membership rewards to a partner airline program so that I can book flights before a significant redemption devaluation that is coming up in a week. I was given a notification on the transfer page that my account is now under review to verify that all of my purchases " meet qualifying criteria ''. I don't have a clue what that means and AMEX has not yet given me an answer. I have spent a significant amount of money on this card under the presumption that I would be allowed to use my membership rewards without restrictions. I am currently unable to do anything with them and I have not been given any answers as to how this problem can be resolved. I am very frustrated with the ambiguity with which AMEX conducts its business and the lack of customer support when issues like this arise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hey, I am trying to link my bank account to my stock pile account. It wont let me because it says capital one is stoping my account from linking please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This item is on my credit report. I never received notification from this company. I also never received notification of my right to dispute this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit acceptance said I was late on a payment XXXX of 2020. But has failed to show me proof. I have called them several time and have mailed them bank statements showing I paid in the month in question. I have also disputed it with XXXX, XXXX, and XXXX  and have not gotten anywhere. They are reporting inaccurate information on my credit report which in a valuation against the FCRA.

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 2018-12-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XX/XX/2018 American Express claims they sent me a letter indicating they would increase my APR from 10 % to 17 %. 

I have am in good standing, as I have always been with all my creditors. 

I never received the letter, which the manager I spoke with shortly there after confirmed she did not see such correspondence within my account. 

In the following weeks, they provided me with a copy of a letter, which I suspect they doctored, to resemble what they should have sent out. 

Irrespective to the above, I signed up for Paperless delivery of billing statements and account communications, and this so called " letter '' was never within any paperless delivery. 

This is further confirmation the letter was not sent, and fabricated after the fact. 

Finally, because I was enrolled in paperless delivery of billing statement and account communications at the time, I should have received a copy of this via such, in addition to in the mail ( as required by law ). 

American Express has stolen money from me, by dramatically increasing my APR, and not properly notifying me of such increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My Vehicle Was a total loss in XX/XX/XXXX. My Primary insurance company paid their responsibility from my policy to the holder of my loan ; XXXX XXXX. When XXXX XXXX received this payment they reported the decreased amount of {$5400.00}. to the credit reporting agencies. My GAP insurance took 5 months to pay their responsibility, which has been received by flagship financial in XX/XX/XXXX, because there is a small amount left behind of {$2400.00}, XXXX XXXX " refuses '' to work with me on a payment schedule to satisfy the outstanding amount. They Also Will Not Report To The Credit reporting agencies the amount of {$4500.00}. that was paid by the GAP insurance. As My Debt To Income Is Effected By This, I Am not able to qualify for a loan to pay off the balance owed to them. 
They Refuse To Take Any Less Than {$480.00}. A month to pay off the remainder from me. As I Had to purchase a replacement car when my was totaled, I am only in a positing to pay {$150.00} a month until the remainder is satisfied. 
In My Attempts to work with them, the company representatives are extremely rude and their actions are disturbing towards someone pleading to work out a way to meet my financial responsibility, and they refuse to take partial payments.

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 2018-06-12
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2018 I closed the credit card ending in XXXX, at this time I payed all the outstanding balance on the card. Unfortunately this company had the wrong amount ; they stated that owed more than I originally charge in the card. When I complained about this issue ( The wrong amount ) Barclays stated that they were correct and I had to pay the full amount. They keep charging my bank account and they are stating that I owe them money with any proof of it. 
When I close the account back in XX/XX/XXXX my balance was XXXX. But they still keep charging my bank account without my authorization, they stated that I owe {$370.00}, but I am not responsible for that amount. I called them many times and they ignored my petition of showing me a sales draft with my signature, but they declined. They dont have proof that I owe them that much. Also they are charging my account fraudulently. Please help me to stop this fraud.

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 2018-12-27
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, I contacted Cooling and Winter Law office about a notice to collect a debt from XXXX XXXX. I final heard back from someone in the office after several days. I explained that my identity had been stolen in XX/XX/2017 and I could supply their office with copies of the police report and other items needed as the account in question was also not something that I had established. I sent the documents, as mentioned, via email and on XX/XX/2018, I received noticed from Cooling and Winter stating that XXXX XXXX could not substantiate my claim and they would move forward with garnishing my wages.

I have since communicated with XXXX XXXX in the same format as I have with all businesses where accounts were fraudulently established. I have provided the proper documentation, as well. However, XXXX XXXX is adamant that I pay the debt created by some mystery person who has used by social security number, date of birth, address, phone number and more to establish services with XXXX XXXX, apartment communities, hospitals, and even utility companies. In addition, I was dealing with a bankruptcy at the time that the accounts were established.

Any help to rectify this matter is greatly 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
Consumer complaint received 2021-07-20
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have a PayPal account for some reassign PayPal changed it to a business account. I had someone send me money then was desperate for money so this individual went thru all his transactions claiming fraud so our transaction got involved and my account was temporarily shut down. I finally got it up and running again but didnt feel comfortable with PayPal being able to just my account down that easily so I transferred all my money from that account to my regular savings account. Seven days later PayPal dose a reversal on the ACH transaction and told me I had to wait 200 days. After spending hours on the phone/ chats /emails no one can tell me where my money is and its been months. I need answers but Im in the dark I keep getting transferred every 5 mins when I call and waste hours of time trying to find something out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX I provided computer service to a personal friend in person - the service ( aka, the 'goods ' ) were provided locally and at the immediate time, with said friend willing to substantiate my claim further. 

A verbal agreement for payment was reached and I sent my friend a money request on Paypal shortly thereafter. 

Upon receiving the request, my friend promptly paid the agreed amount. Instead of receiving my money, I come to learn that Paypal has placed a hold on my funds for up to 21 days. 

I contacted Paypal the next day, just to be told that despite there being no physical goods to ship and the service having already been delivered, that I would be forced to wait potentially up to 21 days for access to MY earnings and to simply 'send through family/friends ' next time. 

Not once was it made clear that requesting payment for a service would result in a seemingly mandatory hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on the Synchrony Bank CC portal. They took the money from my checking account but will not post it to my credit card account for 5 days! They are holding my money hostage.

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 2019-09-16
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company did not renew my home insurance policy despite my home insurance company sending them the renewal statement including the amount. I pay into escrow and has never been late on my mortgage. I did not switch mortgage companies nor the insurance company from the year prior. They brought a force placed policy in which it is very expensive. I was not aware that my insurance was not renewed, because my mortgage payment did not increase. Can you please assist with this matter. I have reached out to my mortgage company and they are telling me it is to late because the policy has been in effect for almost a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: 1st Franklin Financial Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
XX/XX/2018 I filed a claim on 1st Franklin Financial Corporation. I sent them a intent to pay and cease and desist all communication letter in XX/XX/XXXX which is dated XX/XX/2018. They claim to never received a letter from me however, they are sending me letters with my current address on them. I did not update any information with them so there for they only got my address from the letters I sent. They are destroying my bank account with overdraft fees, transfer fees and withdraws of money that is not there. I also sent this company 3 or 4 messages on their contact form online XX/XX/2018 approximately XXXX this is 4 weeks before actual letters went out no response within 24 hours. I did however get an email back within 10 hours of writing another complaint XX/XX/2018 at 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 2019-03-23
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the month of XX/XX/2018 i attempted to obtained internet access fro my home and was denied as they stated i owe them to the sum of {$920.00} XXXX dollars. The debt is associated with a XXXX XXXX who lives in XXXX i resided with her temporarily until i moved to my current domicile. The representative had no ticket of the equipment or installation being done nor any signature or contracts with my information. I requested to speak to their legal department and was given combative and non cooperative behavior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
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 has allowed merchants using cards that were closed for fraud to charge against my current account number. 

They failed to properly investigate fraudulent transactions. Made claims after getting statements in writing that there was nothing they could do as the window had expired. The reason the window of eligibility expired was due to their mishandling. 

I have submitted documents, spent well over 4 hours on the phone with completely inept personnel who simply repeated information in the face of overwhelming empirical data contradicting their statements. 

I have over {$2500.00} in charges that need to be removed from my account. These were made without my authorization on stolen cards or on cards that Chase had closed and replaced per their procedure. 

Their executive staff claims to investigate these issues, yet I have no way of contacting them. I am left with no recourse except for civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX said I was late on a payment XXXX of 2020. But has failed to show me proof. I have called them several time and have mailed them bank statements showing I paid in the month in question. I have also disputed it with XXXX, transunion, and XXXX  and have not gotten anywhere. They are reporting inaccurate information on my credit report which in a valuation against the FCRA.

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