BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: JPMORGAN CHASE & CO.
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:
In XXXX, 2019, Chase offered the following special on my Chase Freedom card. 

" Earn 10 % cash back on up to {$2500.00} in total hotel purchases made through Chase Ultimate Rewards using your Chase Freedom/Freedom Unlimited card during XXXX. '' The fine print on the offer included the following : " Earn a total of 10 % cash back on up to {$2500.00} in total hotel purchases made through Chase Ultimate Rewards. Offer valid on purchases made XX/XX/XXXX XX/XX/2019. Bonus cash back will post to your account within a week of the transaction posting, and will appear on your monthly credit card billing statement and be available for use within 1-2 billing cycles. To qualify for this promotional offer, account must be open and not in default at the time of fulfillment. This promotional offer is non-transferable. '' On XX/XX/2019, I made a hotel purchase using my Chase Freedom card through Chase Ultimate Rewards for a total of {$410.00}, fulfilling the terms laid out both in the main text of the promotion, and the fine print. This transaction should have awarded me XXXX bonus points. However, the bonus points did not post to my account within the stated timeframe. I contacted Chase Customer Service on XX/XX/2019 and received the following reply : " We researched the promotion you have requested. We found that the reservation was booked on your card ending in XXXX, a Chase Sapphire Reserve credit card. In order to receive the promotion, the reservation and transaction must have been made through a Freedom credit card, as this is a Freedom promotion. We regret to inform you that the account is not eligible for the promotion. " I appealed this denial because they were incorrect, and the reservation was purchased on my Chase Freedom card, which was targeted for the promotion, as required in the terms of the offer. 

I received the following reply from Chase Customer Service on XX/XX/2019 : " I definitely understand your reason for concern. I confirmed the purchase was made on your Freedom account ending in XXXX. However, the reservation was made on your Sapphire Reserve account ending in XXXX. As we previously advised the reservation and purchase must have been made through a Freedom credit card to receive the bonus points. I apologize for the inconvenience but we would not be able to add the bonus points to your account. '' In Chase 's reply, they are introducing new and misleading rules that are not stated within the original offer in order to deny my appeal. While they confirm that the purchase was made on my Freedom card, fulfilling the original terms of the offer, they are still refusing to honor the promotion and credit my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DISPUTED SEVERAL TIMES WITH COMPANY AND CREDIT BUREAU THIS ADDRESS I NEVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX MO ALSO A ACCOUNT THAT'S NOT MINE TRANSWORLD SYS INCXXXX {$310.00}. 

INSTEAD THE COMPANY IS PRESSURING ME TO PAY SOMETHING THAT I ILLEGALLY OBTAIN USING MY CREDIT I A INDENITY THEFT AFFIDAVIT AND OTHER SUPPORTING DOCS PLEASE REMOVE THESE ITEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Express Recovery Services, 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: Account status incorrect

Complaint:
Express Recovery is reporting accounts on my credit file that are no longer owed. I ask that they remove these accounts as they have been satisfied. I am aware that Express Recovery can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce removal of this debt, not excluding legal suite against Express Recovery. Please remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was unemployed due to business closure for 18 months and got behind on my loan. I am currently employed and have tried to get a loan modification that will help me pay my current plus the arrears but I have been denied by XXXX XXXX. I want to keep my home and I am working three jobs just to get extra income to pay my mortgage and arrears, but XXXX XXXX  has refused to help me with a viable plan. They appear eager to foreclose my home and have stopped taking payments from me which has caused me to get further behind. I want to keep my home and make my payments as I did prior to my job loss. Any assistance you can provide will be 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 non-monetary relief
Consumer complaint received 2021-11-06
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: SYNCHRONY FINANCIAL
State: OK
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:
A few years ago I became aware none of the XXXX major credit reporting companies show my XXXX XXXX XXXX/Phillips 66 XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this XXXX credit card account since the XXXX 's and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that Synchrony Bank is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
MY COMPANY HAD SOLD JEWELRY TO AN INDIVIDUAL VIA OUR ONLINE WEBSTORE. WE SHIPPED THEIR ITEM AND THEY RECEIVED EVERYTHING. THE BUYER THEN INITIATED A CHARGEBACK ON THE ITEM WE HAD SHIPPED TO THEM STATING THE ITEM WAS NOT " AS DESCRIBED ''. PAYPAL HAD AUTOMATICALLY SIDED WITH THE BUYER AND WE LOST {$980.00}. IF IN FACT THE BUYER HAD STATED THE ITEM WAS NOT " AS DESCRIBED '' THEN WHY WAS THERE NO OPTION FOR THE BUYER TO SHIP BACK OUR PRODUCT BEFORE THE FUNDS GO BACK TO THE BUYER??? THAT IS ABSOLUTE FRAUD AND PAYPAL DOES NOT PROTECT SELLERS AS THEY STATE ON THEIR AGREEMENT/TERMS. IT IS VERY UNFORTUNATE THAT PAYPAL DOES NOT CARE ABOUT THEIR LEGITIMATE SELLERS WHICH PAY THEIR FEES. YOU GUYS TAKE OUR MONEY FROM FEES AND CHOOSE NOT TO PROTECT SELLERS WHICH GIVES YOU GUYS XXXX AND XXXX OF DOLLARS?? WE DEMAND PAYPAL GET TO THE BOTTOM OF THIS OR WE WILL GET A LAWYER INVOLVED. WE HAD NOT NOTICED THIS TRANSACTION UNTIL WE WENT THROUGH OUR BOOKS RECENTLY. 

DETAILS OF TRANSACTION : Transaction ID : XXXX Purchase Total {$1100.00} USD Sales Tax {$0.00} USD Shipping Amount {$45.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Discount- {$160.00} USD ( TransactionDiscount ) Gross Amount {$980.00} USD PayPal Fee- {$28.00} USD Net Amount {$950.00} USD Invoice XXXX WE HAD SHIPPED TO VERIFIED AND CONFIRMED ADDRESS AND THE SHIPMENT WAS SIGNED FOR BY THE SCAMMER " PURCHASER ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Paramount Recovery Systems claims I owe XXXX XXXX {$120.00} for a medical visit to the emergency room that never happened. 
During the date it claims that I went to the emergency room in fact I was not there. 
The most important aspect is that neither XXXX nor Paramount Recovery systems contacted me about the specific debt claim either through phone, email, or mail. 
Instead Paramount Recovery systems targeted me by reporting to the credit rating agencies this non-existent debt. 
This has affected my credit score. 
This is the second time that Paramount Recovery Systems has claimed this non-existent debt. 
Both times with no notification. 
This seems to be a scam mounted by Paramount Recovery Systems. 
Unfortunately it seems I am not the only victim of this scam. 
I would please request your help In deactivating this scam and that Paramount Recovery Systems be made accountable for their fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Ref : XXXX - I sent a simple transfer 0f {$1200.00}. via Moneygram to XXXX, to a personal Debit Card at XXXX XXXX. The money has been in transit for XXXX days when it should have taken no more than XXXX day. When I call Moneygram Customer Service to find out what happened, they tell me they are checking and investigating will take XXXX DAYS!!!!!!!! RIDICULOUS. We use their service for urgent, fast transfers. When there is a problem, they should be able to get back to us within XXXX - XXXX hours. MONEYGRAM HAS LOST MY MONEY!!!!!!!!!! 

I urgently need the money to be received by the receiver OR return the money to me!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

XX/XX/XXXX responded XX/XX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XX/XX/XXXX on my credit report and XX/XX/XXXX told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XXXX. 

Experian responded XX/XX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XX/XX/XXXX and Experian has not responded. 

XXXX responded on XX/XX/XXXX and removed the accounts, and appeared on XX/XX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XX/XX/XXXX and was not showing any of the accounts due to fraud now as of XX/XX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XX/XX/XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.

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 2021-07-14
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
LexisNexis is reporting a lot of inaccurate information on my accurint report and supplying it to its clients i have disputed the item due to inaccuracy I 1st submitted my dispute in XXXX we are now in XXXX it has yet to be corrected here are my complaint # s as proof of my disputes complaint # XXXX XXXX 2nd # XXXX XXXX i need an updated copy of my report showing these in accurate information has been deleted off my accurint report will be attaching a copy of my most recent dispute along with other information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: Their investigation did not fix an error on your report

Complaint:
Please be advised that I am exercising my rights under Fear Credit Reporting Act section 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a detailed description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and the address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
I am seeking a detailed ''METHOD OF VERIFICATION " as it pertains to a XXXX XXXXXXXX XXXX account that is currently reporting on my credit report. The account number for that account is XXXX... .... 
In compliance with the method of verification request, please provide the following. The description of the procedure used to determine the accuracy and completeness of information. 
. Name, address and telephone number of each person contacted regarding this alleged account. 
. Copies of any documents bearing my signature showing that this account belongs to me and that I opened this account and kindly provide statements showing all the payments made on this account. Any automated response or E- Oscar verification is unacceptable. I am requesting your method of verification that you used to prove whether or not XXXX XXXX XXXX  is reporting on my credit report accurately. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the Fair Credit Reporting Act. If not, I expect that XXXX XXXX  XXXX be removed from my credit report immediately. A similar request was sent to you in XX/XX/2021 and it was ignored by you. If my request is ignored again then I will be forced to take legal action so as to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BARCLAYS BANK DELAWARE
State: CT
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:
In XX/XX/2020, I received a promotional email from Barclays XXXX Mastercard. It said that if I spent {$2700.00} or more on my card for each of the months of XXXX, XXXX, XXXX, I would receive a bonus of XXXX XXXX frequent flyer points within 2 months. I complied with the terms and spent in excess of the required {$2700.00} each of those 3 months. I have still not received the bonus miles in my XXXX account. I have called Barclays many times and spoken to " resolution managers '' and I have a resolution case number # XXXX. They have all confirmed I spent the required amount of money and should get the bonus. One manager claims it was issued on my statement ending XX/XX/2020. I do not see the bonus on that statement, nor does XXXX. I have also called XXXX and they say that Barclay has not sent them these miles to add to my account. They looked and do not see the miles sent/added either.

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 2021-07-14
Company: EQUIFAX, INC.
State: TX
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:
they will not update my score please make them fix it : FCRA violations : see attachments for Major Violations continued by this company EXP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: 21ST MORTGAGE CORP.
State: CA
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:
Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX  did not respond so it's not my account all credit inquires should of been removed. This was in XX/XX/XXXX they still haven't removed all of my hard inquires and I sent them all th information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent Experian, XXXX and XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of Verification from Experian. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.

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 2021-07-14
Company: Panteris & Panteris, LLP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested validation of debt from this company several times and have received any. 
following is violated as of today : 1692 c After written notification that consumer refuses to pay debt, or that consumer wants collector to cease communication 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law

Company response to consumer: Closed with non-monetary relief