BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried to file a dispute with Chase business visa credit card since XX/XX/XXXX. I have also written to the XXXX office and they refuse to assist me because the dispute concerns a closed credit card account. I have provided XXXX pages of documentation to Chase disputes and they continue to tell me the documentation is adequate but that a special dept that handles disputes for enclosed accts will be in touch. It has been over 3 months, numerous phone calls and hours on hold. The amount of the dispute is {$10000.00}. The former credit card account was closed in XX/XX/XXXX and Chase claims they have no record of my credit card account it even though I have provided a copy of the actual credit card statement ( from the closed account ). How can there be no record? What is the record retention policy or law? I have since opened XXXX other Chase business credit card accounts and also have a personal account. I am seeking a temporary credit to be applied to any of my other Chase cards. XXXX XXXX and XXXX have provided temporary credits for disputes on the exact same matter related to XXXX Cruises. In addition, I have had many incidents of fraud on credit cards in the past and disputing a charge on a closed account has never been a problem- especially when all the needed documentation has been provided. And, apparently, the {$10000.00} was never paid to XXXX cruises and is held by XXXX in a trust account as reported in XXXX in XX/XX/XXXX. Documentation for the dispute has been attached to this complaint. I also have a chronology with details of each correspondence and phone call with Chase. I would appreciate any assistance the Bureau can provide in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX XXXX. I recently closed on a house XXXX XXXX/XXXX/XXXX XXXX, but I feel as if the lender took advantage of the fact that we were living in a hotel, and desperately needed to close on that date. I was originally going to use XXXX. However, PHH Mortgage seemed to have given me a better deal. However, the closing cost increased by $ XXXX on the day of closing. They took the money that I would have been reimbursed by my relocation package and applied it to that difference. I had to pay more money at closing, I had no choice but to close at that time, because we were literally homeless. I have additional information if needed. 
I would like for PHH Mortgage to reimburse the XXXX that I lost because of an " error '' on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: NY
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:
fraudulent accounts are on my credit report due to identity theft

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 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Had Spoken XXXX Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from acutual creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Nationwide Recovery Systems, Ltd
State: FL
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2-19, Experian Credit Svcs . refuses to put on my credit report ALL my monthly payments. 
1. XXXX XXXX is missing XX/XX/2019, and XX/XX/2019 
2. XXXX XXXX XXXX is missing XX/XX/2019 and XX/XX/2019. 
3. XXXX XXXX XXXX has been paid in full as of XX/XX/2019. 
3. Experian has not raised my credit score accordingly. 
All consumer fraud and violations of 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 non-monetary relief
Consumer complaint received 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am extremely disappointed with the BofA system. I have been a stellar customer. I assumed I had auto payments setup because I pay my balance in full every month. Only to find out that my annual fee was charged XX/XX/XXXX, auto payments were turned off and I was being reported with late payments to the credit bureau agencies. I paid the outstanding balance of {$75.00} right away on XX/XX/XXXX when I was aware. Instead of my account going into good standing, they havent posted the payment and instead closed my account. 

Additionally, they were taking my auto payments literally a couple billing cycles prior to this ( until XX/XX/2021 ) even though I had a XXXX balance. I wound up having a credit of XXXX. I dont use that card often so I didnt notice. 

The system is broken. And now my credit is affected because of their broken system. This makes no sense

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$140000.00} / XX/XX/2021

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 2021-12-01
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and Equifax continue to report a child support account. XXXX has already deleted it. This account is inaccurate and incomplete. This account is in violation of XXXX ( 4 ) consumer rights to privacy for child support to be on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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 have contacted Chase bank on several occasions with regards to a billing dispute and Chase has not resolved the problem. The following information applies : 1. On XX/XX/2020 I purchased from XXXX XXXX round trip tickets to New York for a total of {$3300.00} XXXX reference attached invoice ). 

2. On XX/XX/2020 I was charged {$780.00} x 4= {$3100.00} 3. On XX/XX/2020 I was charged {$680.00} x 2 = {$1300.00} 4. Total amount of charges = {$4500.00} 5. On XX/XX/2020 a credit of {$420.00} and {$250.00} was given thus leaving outstanding charges of {$3800.00} I have asked Chase to correct the inaccurate billing charges and Chase continues to respond that charges are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have been a customer with the Victoria 's Secret credit card for about fifteen years. I called to ask for a late fee to be waived but they refused. Both the customer service representative : XXXX, and the account supervisor XXXX said that I was not eligible because they only waive them once every 18 months. 

I explained my situation to them, which is as follows : I have been XXXX XXXX XXXX and have missed work. Furthermore, my payroll has not been adjusted so that I can receive COVID-19 pay. 

I would like to know why after fifteen years as a loyal customer, this bank can not and will not waive a late fee so that I can catch up? This policy of once every 18 months is not a one size fits all, particularly during these incredibly difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: DC
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:
On or around XX/XX/22 I submitted a dispute for fraudulent inquiries appearing on my Equifax Credit Report. In accordance with requirements set forth under Section 605B of the Fair Credit Reporting Act ( FCRA ), I provided a copy of my drivers license, a list of the fraudulent inquiries that I did not consent to or authorize, a copy of the Identity Theft Report that was filed with the Federal Trade Commission ( FTC ), and a copy of the police report regarding the identity theft filed with the XXXX  XXXX Police Department ( XXXX ). 

Despite this, Equifax failed to block the information. On XX/XX/22 Equifax sent correspondence state that they are not blocking the information, but instead will contact each company. The letter goes on to state that in order for Equifax to block information under Section 605 ( B ) I must provide proof of identity, 605B of the Fair Credit Reporting Act, you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of my FTC Identity Theft Report or police report regarding the identity theft. 

Given that all of the information that is required to block fraudulent information was already provided Equifax and was received by Equifax as evidenced by certified mail receipts, they are required to block this information. Equifaxs ongoing failure to remove the fraudulent inquiries is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have disputed many items on my credit report with all three credit bureaus and Transunion is not taking my disputes or providing me any evidence of the accounts that I so call owe on. XXXX removed all accounts that I disputed with them, but Transunion keeps removing and putting back on the same accounts. I sent in police reports of dates when I had personal information stolen from my vehicle. I have disputed the same accounts with them three different times.

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 2017-10-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had several hard inquires on my account. They were on the XXXX XXXX, XXXX. I did authorize XXXX credit inquiry but the rest of them are fraudulent. 

They are from the following agencies. 

XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Ally XXXX I XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello My husband had opened an account through citibank last XXXX 2022, we were able to open the account with no issue, i was able to do a deposit with no problem and I did set up that account for may payroll. And then a few days after I received a notification saying that my account will be closed without further notice, I have been calling them ever since, they keep calling me that our account is on a process of being closed and that we have to wait until it's done and they will automatically send me my funds to the mail once it was over, I have been following up to them ever since, they haven't notified me or anything in regards the issue, I have atleast {$1900.00} in that account and now they are not giving me my money back. I almost lost my house because of them not releasing my money, I tried the best I can to resolve the issue. But they can't even give me a proper explanation on why are they not giving me my money.

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 2021-06-12
Company: Square Inc
State: SC
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:
Last year XXXX cashapp took XXXX off my card. When I called to report this. They closed my account. I made another account to report it and they also closed that one. They will not give me the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Aspen National Financial, Inc.
State: FL
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 was informed that the statement they sent was the third but I only received that one dated XXXX XXXX, on XXXX XXXX, XXXX. 
I called and explained to the person I spoke that I already paid Timeshare maintenance fee online to XXXX XXXX website and was not aware of a separate payment for tax. 
I informed them that I can afford to pay the {$120.00} tax but not the interest and additional fee for a total of {$160.00}. They refused and informed me that it is not negotiable.
I feel that it is unfair that a bill for {$120.00} was referred to a collection agency when I already paid the balance we owe online. I am not aware of the {$120.00} since no bill came to my address. There is another same street number in this subdivision and if they said it was mailed, then it 's possible that it went to another address. Therefore, I feel like I am not responsible to pay any interest nor the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: IL
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:
Credit Bureau in violation of FCRA, FDCPA and XXXX XXXX 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 2017-10-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have many credit inquires that I did not authorize through Equifax.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX XXXX refuses to put on my credit report ALL my monthly payments. 
1. XXXX  XXXX is missing XX/XX/2019, andXX/XX/2019. 
2. Credit Acceptance Corp. is missing XX/XX/2019 and XX/XX/2019. 
3. Credit Acceptance Corp has been paid in full as of XX/XX/2019. 
3. XX/XX/XXXX has not raised my credit score accordingly.

All consumer fraud and violations of 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 2021-06-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 would like to file a complaint against the retail company J C Penny. I had an account with the company and it was almost paid off. I was told there was a {$400.00} balance and I ask if as many of my previous payments could be allocated to cover the balance so that would be done before the promotional period date. I was told yes and it would take a couple of months. I continued to pay the minimum amount but every month if the adjustment was put on it was also taken off. I called every month after getting my bill for a year only to be told not to worry about it the late fee would be taken off and the adjustments would be allocated correctly. It never happened and I am now being told they are reporting my account as delinquent to the credit bureau ruining my perfect credit! Ive had an account with them for years and now since right before the pandemic I am being frauded. They have jacked my account up to thousands of dollars and continue to send me bills and threatening letters with the same. I dont owe them any money and I requested the account be closed last year! I destroyed the card and have not shopped in the store in years. If they are allowed to get away with this, imagine how many others they are stealing from. I have requested previous statements to send when needed. Please help 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 explanation
Consumer complaint received 2020-04-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Twice the charge of {$20.00} has been charged to the account as a returned automated account fee. 
There has been a dispute that the account had never been set up for an automated account. The option online was not even enabled. The account was NEVER set up as an online automatic payment. A challenge was made to inquire if the account was hacked. 
Also, on today 's phone call, it took 7 representatives to get with someone from what is to be Escalated Complaints. 
Regardless of a warm transfer or cold, the account was re verified. 
They also stated that a Power Of Attorney was needed in order to speak with someone over the phone. This was refuted. They verified the account 7 times to allow authorization to a third party. Any other person without knowledge, would have just taken their word that a Power Of Attorney is needed. 
The Customer Service counter at XXXX   on XXXX was completely closed and refused to take any payments. 
Please request all records. Please request all transaction history and customer calls. A called was made when the account was first open to attempt to make payments on line. This was not made. Physically, the payment had to be made in the store. 
It is my belief that XXXX  charges incorrect illegal fees. I request that a full investigation is made on their practices and fees in order to determine how many people have been charged returned fees for incorrect banking information. The option to make a Payment online is not always enabled. It is enabled and disabled at their discretion. It will not even reflect as an option. 
It is my belief that XXXX misrepresents the payment options available. Please keep in mind, this account was never delinquent. This account had the balance paid in full. There was never any interest charged. The only fee they have been able to collect is this, not once but twice. 
The last representative stated that the Payment option is " disabled '' aka completely disappears from the website when there is an issue with the payment. This also means that anyone who is under the belief that they are set up on automatic payments would go into default. No Notice is sent as to the situation. 
There was no XXXX Statement.

Company response to consumer: Closed with monetary relief