BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-04
Company: JPMORGAN CHASE & CO.
State: DC
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:
I have a Chase Sapphire Reserve credit card, and booked a flight using reward points through Chase 's travel portal ( the flight was a flight from XXXX-XXXX, booked on XX/XX/2019 and scheduled to depart on XX/XX/2019 XXXX. 

On XX/XX/2019, I received a notification by email from Chase notifying me the XXXX-XXXX flight had been cancelled by the airline. On XX/XX/XXXX, I received an email from Chase notifying me my options were to accept a schedule change for a flight that left several hours earlier, or take a refund. 

I called Chase on XX/XX/XXXX to request a refund, and received a confirmation email that same day telling me that I would receive a refund for XXXX points to my account. The agent I spoke to on the phone told me to expect the points to be deposited back into my account within 2-3 days. This phone call took 14 minutes. 

On XX/XX/2019, I had not received the refund, so I placed a phone call to Chase that lasted for 29 minutes as I was transferred between departments. I was told that the refund was going to be processed manually, and to expect the points to be deposited into my accounts within 72 hours. 

On XX/XX/2019, I had not received the refund. I placed a phone call to Chase that lasted for 57 minutes. A supervisor from within the travel department told me she wasn't sure why the refund didn't go through, but that she was processing a refund, and to expect the points to be deposited into my account within 72 hours. 

As of XX/XX/2019, I have still not received the points refunded into my account. 

By not getting the points refunded, I am unable to make new travel plans, which is causing me considerable inconvenience. I have now spent 100 minutes of phone time and 19 days trying to get the refund for a flight that was cancelled by the airline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
Company: Debt Recovery Solutions, LLC
State: TX
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:
Debt Recovery Solutions has reported me to all 3 credit bureaus saying I owe them {$440.00}. I disputed it will the bureaus, and XXXX deleted it, but XXXX  and XXXX have not. The dispute results from the credit bureaus say that the account meets FCRA Standards I have attempted to call DRS several times to get information about this alleged account, and every time I call they tell me that they will send me information to validate the account. I never receive anything from them, and I give them my address every single time. They are rude, and demand payment. I sent a certified letter requesting validation on XX/XX/XXXX, and it is now XX/XX/XXXX and they still have not responded. They continue to report to the credit bureaus, last week they updated again, and my credit score dropped 20 points. I am trying to obtain a mortgage loan, but am not able to because of this account on my credit report. I have called the credit bureaus and explained the situation, that I have no idea what this account is about, and Debt Recovery Solutions will not cooperate and give me any info. The credit bureaus just say they can open yet another dispute, even tho I have disputed it twice before. I am submitting a complaint to everyone that I possible can, and am hoping someone can help me to get this company to delete this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Heartland XXXX has predatory fees associated with any payment not made by mail or automatic bill pay, the maximum frequency of which they allow is quarterly, which increases their profit margin by necessitating that interest have 3 months to accumulate between payments lest you incur a fee. Examples of such fees are {$1.00} per each online ACH payment, {$10.00} per each ACH payment by phone, 3.95 % of payment plus {$1.00} for each debit or credit card online payment, and 3.95 % of payment plus {$10.00} for each debit or credit card payment by phone. As such, I signed up for automatic ACH bill pay, the first payment of which ( {$120.00}, total amount due ) was supposed to go through on XX/XX/XXXX, the due date of my first loan to exit grace period. Despite the fact that I had enrolled in said bill pay weeks in advance, Heartland did not withdraw any money from my account on the specified date, and instead pushed back the due date displayed for the account on their website by a month. When I contacted customer support about this, I was informed in writing ( through their live chat service ) that the actual due date was XX/XX/19, despite multiple written invoices I had received to the contrary. When I confronted the customer service representative with the discrepancy, and asked if he could guarantee that no late fees would be processed to my account, he immediately hung up on me. When I entered the live chat again I was assigned the same representative who proceeded to completely ignore me and refused to transfer me to another representative or manager. A month later I received an invoice saying that I owe a late fee ( {$6.00} plus interest ) for payments not made by XX/XX/XXXX, despite the fact that I had correctly enrolled in automatic bill pay, which is the only free online payment service, and it was the company that never attempted to withdraw the money from my account, therefore not honoring their stated policy of allowing free automatic ACH payments. The only way I can pay this outstanding bill without incurring yet another fee is by mail. I believe that Heartland XXXX intentionally failed with withdraw money from my account in order to fraudulently incur a late fee, I believe that their customer service representative intentionally misled me to believe that I did not owe any money again in order to fraudulently incur a late fee, and I believe that their website " due date '' feature intentionally misrepresented the actual due date of funds ( changing magically from XX/XX/19 to XX/XX/19 ) again in order to fraudulently incur a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: ABSOLUTE CREDIT  LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABSOLUTE CREDIT LLC is trying to collect a debt from me that is inaccurate. I paid the company they are trying to extract this payment from years ago. There is no debt, this is not mine. They are XXXX XXXX. These companies should never be in business. They use a blocked number, and call relentlessly, harassing me for a debt that is not mine. They are disgusting XXXX and XXXX and should not be allowed to pursue people so aggressively.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Aurora Enterprises, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company contacted me about a false debt that was created by an internet provider that I used to use. I informed them that this was incorrect and later provided them with the dates of when I ended my service with said company. I agreed to remove the debt but they never did. I contacted them numerous times about this and they continued to say that it would be removed. Later they would sell the debt to another debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have a membership with Experian. I also have items on my Experian credit report which are inaccurate. I have spoken with representatives on several occasions over the past 6-18 months regarding my inability to initiate disputes online, if so, then very rarely. ( I am constantly getting an error and a notice instructing me to mail in my dispute ). 

Experian has not returned my calls, the representatives have not assisted me other than to transfer me to multiple departments. Nothing has been done to fix this issue for me. 

I feel as though they are charging me services I do not have access to, OR, they are making a fundamental service available to everyone else, but unavailable to me. I feel that the company is taking advantage of me and ignoring 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 2020-05-01
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased an item from XXXX on XXXX in the amount of XXXX Order # XXXX, this purchase was supposed to be made under there 12 month no interest promotional finance plan. The bank however has placed the purchase under a 6 month promotional finance plan. 

I know for a fact that i selected the extended finance option because my wife originally did the order and i asked her if she did, she said that she didn't remember so i went in and canceled the first order and then did a second one and made sure i selected the extended no interest plan. 

I have attached an image of there website that outlines the purcahse amounts required for each plan. 

I also attached a screen shot through online access of commeity bank the current promotional plan they have me under. 

I also attached the order history from XXXX showing the first canceled order and the subsequent second order. 

I also have attached my correspondences with commeity as i have tried to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
ON XX/XX/2019 I closed my savings account with Bank of the West. I was given a receipt showing {$0.00}. When asked why I closed the account, I stated that I did not like the {$15.00} service fee I was charged a couple of months before. 
I got another statement from Bank of the West for the period of XX/XX/XXXX - XX/XX/XXXX indicating that I had a negative balance of {$15.00}. 
I called the XXXX number and explained what happened and stated that I would have been upset but would have accepted another {$15.00} fee when I closed the account but couldn't accept the fee being charged retroactively. The representative stated that they would waive the fee. 
Imagine my frustration when I received a letter from Bank of the West stating that I was responsible for an overdraft amount of {$30.00}!

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 2018-03-18
Company: Home Point Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got notice in XX/XX/XXXX of my monthly payment increasing due to an insufficient escrow amount. my escrow analysis shows a payment to an insurance company in XX/XX/XXXX for a policy that was closed ( wind/hail ) due to being added into my new homeowners policy. a gentlemen i spoke with stated that i hadn't submitted a cancellation of that policy so immediately transferred me to the insurance department which i had to hold again for. both the cancellation and new home owners policies were sent to the company on numerous occasions and were acknowledged to be received on two separate occasions by their insurance department. I called on numerous occasions to speak with someone regarding my escrow account and was on hold at least 7 times that I can recall in a 4 week period and still NEVER reached an associate, or reached one and was placed on hold. i spoke with a lady named XXXX on XX/XX/XXXX at extension XXXX and was told that she would be completing an off cycle escrow analysis to reevaluate my payment. XXXX told me that she would be in contact with me by XX/XX/XXXX. i called her on or about XX/XX/XXXX at the extension provided and left a message ( after being on hold for another 30 minutes to reach someone to transfer me ) that as of today, XX/XX/XXXX has still not been returned. i called back XX/XX/XXXX and was on hold 35 minutes prior to speaking with a gentleman that was very rude and stated that they didn't have an off cycle analysis on file for me and that they didn't do them. i tried again to explain my situation and the man told me that he wouldn't argue with me because he was right. i asked to speak with a supervisor and was again placed on hold, at the 5 minute mark ( total of 40 minutes on hold and still no resolution ) i had to disconnect due to a dr appt. i have been unsuccessful in getting in contact with any one that can explain to me why my escrow has increased $ XXXX/month in the 3 years I've had the home ; despite never missing a payment, whole first year paying extra, never once being late with a payment, having a fixed rate, decrease of $ XXXX/year in insurance premiums and not a single cent change in my property taxes. i have been attempting to have someone answer my questions since the receipt of my escrow analysis paperwork at the beginning of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: UT
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:
A company with which I have never transacted has fraudulently posted a collection report on Experian. I have disputed the results. It is completely impossible that this has anything to do with me. On what basis are you posting this to my 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 non-monetary relief
Consumer complaint received 2019-05-04
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
My name is XXXX XXXX, I recently applied for a car online at XXXX XXXX car dealership located in XXXX, tx. On XX/XX/XXXX I got a phone call that I was approved after sending all my documents need to their employee, XXXX. When I got there I was under the impression I had been approved for an XXXX XXXX but she had set me up with a completely different car. It was can 2011 red XXXX XXXX, but since I was having a hard time getting approved anywhere I went ahead and agreed. XXXX, had also told me told me she to needed 3 more cars to make her monthly sales and it was close to the last day of the month. I wasn't aloud to test drive or look inside the vehicle because they said the mechanic accidentally took the keys home with him. I agreed to a down payment of {$400.00} which I made 4 days later. We completed, signed, and recorded all the paper work needed and I left there with a loaner car that day and had it for about a week before they met me off the highway in XXXX XXXX, Texas. The car low tired pressure light was on as soon as I got in the vehicle. I called the leader that approved me, AMERICAN CREDIT ACCEPTANCE, to figure out how I make payments and they told me they need some more info from me for proof of employment so I sent all the necessary documents and they approved them, they told me to consult with the dealership about anything else. So I got in contact with XXXX and she told me I had to bring the car back on XX/XX/XXXX so I asked if I would get refunded my down payment and she told me yes if I brought it back that day they told me they could cut me a check. When I arrived there was no check and the finance dept had already left that day.Eventhough I had told her earlier when they were that I was coming but I has to drive 50 miles to get there. So we agreed to have it refunded back to the card the payment was made from, 2 days later after taking the car back. It has now been 2 weeks and the {$400.00} has still not been refunded after calling them several times. I have all the paperwork from the signed contract that stated I would a monthly payment of {$260.00} and that was approved. I am a single mom with 2 toddlers that have special needs and lives with my handicapped XXXX year old grandmother and feel like they have taken advantage of me. If someone could please help me get this situation resolved so maybe I can have a way to take care of my children and grandma and make sure they get the help they need as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, 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 recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Merchants and Professional Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Complaint # 1 - Merchants & professional Collection Bureau ( " the Company '' ) continues to close complaints opened against it, falsely alleging they are duplicates of a complaint they have already responded to, even though they have been repeatedly advised otherwise. By doing this, the company is engaging in an abusive, unfair, or deceptive practice, and is there for violating the Fair Debt Collection Practices Act ( FDCPA ). THIS IS NOT A DUPLICATE COMPLAINT. YOU MUST TAKE ACTION AND PROVIDE A RESPONSE. Complaint # 2 ( AGAIN, NOT A DUPLICATE. THE COMPANY HAS NOT RESPONDED TO THIS COMPLAINT. CLOSING THIS COMPLAINT BY FALSELY ALLEGING IT TO BE A DUPLICATE WILL RESULT IN LEGAL ACTION BEING TAKEN AGAINST THE COMPANY. ) Merchants and professionals collections has reported to all 3 credit bureaus that I have a debt in collection, but I have never done business with them or the original creditor, nor have either ever contacted me about the alleged debt ( which can be confirmed in their response to a recent complaint against XXXX, which the company erroneously responded to and stated " MrXXXX XXXX has never contacted us regarding the account in question. '' That Complaint # is XXXX. ) Since they have not contacted me they have also made No attempt to validate the debt or provide me the opportunity to dispute its accuracy, both of which are required by Federal Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For more than 2 months this company has been calling about and placed Collection notices in my credit report for private student loans from 07 NATIONAL COLLEGIATE TRUST. These loans are past the statute of limitations in Florida as they are more than six years old. 

Furthermore, I am a 100 % XXXX XXXX adjudicated since XX/XX/2013. I have had legal representation on all debt since 2013 and NATIONAL COLLEGIATE TRUST was notified of my XXXX and legal representation. It is a violation of the FCRA for these calls to have happened at all given my legal representation. 

Additionally the companies through their acts have tried to illegally reage these loans and they are reporting them as opened 3 months ago when they are past the statute of limitations for debt. 

These actions also violate the consent order by the CFPB and 7 NATIONAL COLLEGIATE TRUST case Case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation