BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: FIRST NATIONAL BANK OF OMAHA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was approved for your XXXX  credit card at a particular credit limit about three months ago. Yesterday, without any notice, this credit limit was decreased significantly. There have been no defaults, delinquencies, or negative marks on my credit report since the initial approval. I have paid more than the minimum due with each payment and my income has not changed. The excuse I received from customer service was that the third-party team who initially approved the application missed some things. Sorry, that's not my fault. I have upheld my end of the credit relationship. 

Had I known that my credit limit could be decreased at any time ( for no good reason ) and without advance notice ... I would not have applied for this card. But now I'm stuck. If I cancel the card, that will have a negative impact on my credit report because of the short length of time the account has been open.

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 2020-09-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to dispute fraudulent use of a American Express that I owed. I made all efforts with the company to dispute the charges, Tried to dispute by using XXXX XXXX all that I got from them was previous statements, not the proof of purchase I requested. I got tired of disputing the charges and stopped payments to this account. Them they sold the balance for collection agencies without giving me the chance to dispute the charges and are now tried to collect a balance that I don't owe! It is frustrating and unfair how those companies make huge profit from charges they know people don't owe. They prejudice the lives of people without fear of being bothered. I am fighting for justice. They must stop this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Byrider Franchising, 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: Their investigation did not fix an error on your report

Complaint:
I've recently disputed late payments that was inaccurately reported by J.D. Byrider that caused my credit score to plummet. The XXXX XXXX XXXX XXXX XXXX not XXXX XXXX which is one of the deceptions, was reported stolen and never recovered XX/XX/2019.I 've never missed a payment and was never late, however XXXX  allowed JD Byrider to report inaccurately without conducting a thorough investigation to which once discovered JD Byrider should've been blocked from reporting inaccurate information.Instead XXXX  allowed re-insertion of an incorrect charge-off which is false, this is willful non-compliance which is a direct violation, the account should show paid as agreed.JD Byrider illegally marked up the value of the vehicle, without my knowing, triple the amount of the vehicles value.I was cohersed to believe the vehicle would be covered through their insurance, which was incorporated in with the monthly payment as also any repairs through them, which was all a gimmick.The vehicles transmission went out 120 days after the purchase which I had to have towed from XXXX to XXXX Tx . The vehicle was not repaired correctly which led to another break down in XXXX Tx which led to vehicle being reported stolen. This company was sued by Attorney General XXXX XXXX of Massachusetts for the same predatory practices that they're doing in Texas and won a XXXX dollar settlement.The value of the vehicle was deemed {$6100.00} which I thought the purchase price was {$13000.00} which was deceptively placed at $ XXXX.This company has caused substantial and long term damage to me as a consumer with no compassion or relief as to what I am experiencing, a total rip-off!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: DISCOVER BANK
State: TX
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:
Discover credit card company. I had a payment program with the company in order to reduce the credit balance and interest for about a year and some months now and I was told I can not make use of the card for the period of the payment program. This program started XXXX last year. After three months they stop the program without my notice and when I complained, they said It was a mistake and apologized, but the interest remained the same. And this has being going on for long time now. Why I am reporting them now is because the they deleted my automatic payment method because I complained about charging unnecessary amount before the due date. Now they made me missed a payment because my automatic payment was deleted and I was not aware about it and there was no message to indicate about their decision. I called to find out but they refused to speak but instead keep ending my calls. This morning I received a statement of my account with the amount times two of what I suppose to pay. I believe I have pay almost have of the credit balance but because of their fraudulent act. The money still remain High. Please I need this organization to look into this because they have scammed me a lot and they say I can do what ever I like. Maybe because they feel I am a nobody. The attached documents disclose the automatic payments I setup in my account but they deleted it because they want me to miss a payment so they could charge me more interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX is trying to collect {$16000.00} from me for a bill they claim I owe. They purchased this debt from XXXX XXXX with whom I have already contacted and they removed the item from my credit report. 

XXXX XXXX XXXX is now trying to collect {$16000.00} for a car that BRIDGECREST FINANCIAL sold at auction 5 years ago.BRIDGECREST FINANCIAL DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own and for which the account has long been settled between myself and the original creditor I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX  with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX  '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Credit Collections U.S.A., L.L.C.
State: FL
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, A medical debt of {$54.00} was transferred from one of my doctors to Credit Collections USA. This debt was due to an indecision by The Department of Veterans Affairs XXXX VA XXXX and Social Security Disability ( SSD ) as to who was the responsible party for the bill. I was finally notified of the debt by Credit Collections USA ( C.C.USA ) in XX/XX/XXXX. After speaking with a representative at C.C.USA, I agreed to pay the debt ( which was later reimbursed by the VA XXXX and did so on XX/XX/XXXX. When I paid the debt, I was guaranteed that the debt would be removed from my credit report. XX/XX/XXXX I contacted C.C.USA with the concerns that this item had not been removed from my credit report. After several conversations with employees and supervisors, I was told that the representative that gave me the guarantee had not been authorized to do so and they would not be removing the debt from my credit report. Two years of negative credit posted by this company from the time it was submitted to the time I was made aware of a debt that I ( XXXX XXXX XXXX XXXX XXXX  ) was not responsible for.

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 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The credit card company is Capital One. They claim that I've owed an outstanding amount for the last 3 years on a credit card on my credit report. I have the original credit card. It began in XX/XX/XXXX and expired in XX/XX/XXXX. I stopped using this card more than 7 years ago, due to inability to pay. I am judgment proof. My only income is from social security and has been for quite some time. I am XXXX and can not work. I would like this removed from my credit report, as it has been more than 7 years since the debt was accrued. My other debts, such as federal student loans, were forgiven by the government due to my sole income from social security and my XXXX. Unfortunately, I have disputed this claim at least twice before. However, I recently found the original credit card from Capital One with the dates from XXXX on the actual card. I believe that the credit card debt collectors thought that they could say it has only been 3 years, because at first I could not find the card/information. I now have the card in my possession with the original dates. I also have paperwork to prove that my sole income is from social security ; I have no assets nor savings. I also have proof of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Greetings CFPB, I am contacting the Bureau in regards to a Reverse Mortgage on my mothers house I inherited in 2016, when I obtained financing my financial officer made me aware of a monthly charge on the Champion Mortgage statements called a Service Fee Set Aside, after he submitted several inquiries regarding this charge with no response from Champion Mortgage before closing, he advised it appears this amount was never exhausted and the balance was not deducted from the final pay off amount and felt they owed me the un-used balance. 
I would like to also advise Champion Mortgage from day one of advising Champion Mortgage of my Mothers death Champion Mortgage demanded the debt to be paid immediately or to surrender the property, I found very little information regarding dealing with this issue or my rights with a Reverse Mortgage Company, I did find that congress had passed a bill that the Reverse Mortgage Companies must give one year to settle an estate before taking action, upon advising Champion Mortgage of this information they advised me they would give me four extensions each three months in duration. 
As you can see in the Notice of default letters they sent me, they offer several options but never inform me of my right to one year to settle the estate before I have to choose one of their options. 
Can you please help me find out if Service Fee Set Aside is a legitimate fee and if they owe me a refund for the un-used amount. 

Kindest Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Cactus Jacks Auto Sales
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had my vehicle with this company for about 2 years now and I pay my car note every single month it is automatically deducted from my checking account on a monthly basis, the XXXX of the month. I have never missed a payment to where my account has been over 30 days past due yet the company keeps reporting to the credit bureau that Im 30 days past due on my account. There is no way i could be if my account is paid the XXXX of every month. I had gotten a lawyer to help with the situation and my lawyer advised me to pay them {$410.00} every month on the XXXX instead of {$390.00} which is what i was initially paying. I started making the payments of {$410.00} on XX/XX/XXXX which covers me for the full month. I initially had a {$260.00} credit with the company because i had over paid them. This information was confirmed to me by their employee XXXX at XXXX on XX/XX/XXXX, my car note was not due till XX/XX/XXXX i was all paid up with a XXXX  balance due and a {$260.00} credit on my account. XXXX XX/XX/XXXX {$410.00} was withdrawn out of my bank account. Now all of a sudden the company is claiming that my payments are behind yet i had a credit and car note has been fully paid on the XXXX of every month since i had the car. The company can not explain to me what happen to the {$260.00} credit all they keep saying Im a week behind on my payments but no one knows how. They are calling my family members that i have listed as a reference and have been told multiple times to stop calling, sending text messages multiple times a day everyday to my cell phone without my permission, leaving voicemails on my phone stating this is an attempt to collect a debt and i need to contact them before the end of business day that day or my account will be transferred over for repossession yet again this is not even a 30 day time frame they claim account suppose to be late and my account os paid for the full month. They make false reports to all three credit bureaus and say Im 30 days behind which is effecting my credit and the account is not behind at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX ACCT # XXXX*** OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS  SUFFERING.

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 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX ACCT # XXXX OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.

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 2019-09-11
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I HAVE NEVER FINANCED A VEHICLE FROM THIS BANK BEFORE. I FILED IDENTITY THEFT WITH FTC AND PROVIDED ALL DOCUMENTS TO THEM ON NUMEROUS OCCASIONS AND THEY STILL HAVE NOT REMOVED THE ACCOUNT FROM MY XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: JPMORGAN CHASE & CO.
State: ND
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:
XX/XX/2020 I booked a hotel stay in XXXX XXXX XXXX, XXXX at the XXXX XXXX, a XXXX XXXX hotel. The dates of the stay were to be XX/XX/XXXX XXXX XX/XX/XXXX. The cost of the room totaled {$2200.00} for those days. 

XX/XX/2020 Chase credit card booked my card for the total amount of {$2200.00} from XXXX. 

XX/XX/2020 I received a voucher from XXXX for the hotel stay. I checked my XXXX XXXX app and the stay was booked under my name. 

XX/XX/2020 I came to the knowledge, through my XXXX XXXX account, that my hotel stay had been canceled. This cancellation was not initiated by me. 

XX/XX/2020 I send a dispute to Chase Credit Card for the charge from XXXX for the {$2200.00}. Chase responded on XX/XX/2020. 

XX/XX/2020 - Chase stated that the charges were valid because the services you purchased were received or available to use. This is not the case since the booking has been canceled and the date is not yet the day of the hotel stay. 

XX/XX/2020 I reached out to XXXX who is the vendor whom XXXX uses for processing the payments. I requested a full refund for the stay that I booked through XXXX. Again, the full return cancellation policy is up until the XXXX of XXXX, 2020. 

XX/XX/2020 XXXX sends me an email stating, Unfortunately, XXXX can not refund you because of the strong hit XXXX suffered from the Corona Crisis. 

Early XXXX, 2020 I disputed the charge again with Chase Credit Card. I provided emails, cancellation policys from cancelon, records of refund requests, etc. 

XX/XX/2020 Chase responds as the charges being valid. Chase Dispute Department responded stating, The merchant isnt required to credit your account because the charge took place too long ago. 

During these past 4 months I have been on hold with Chases dispute department for hours. I have still not received information from any supervisor or manager there. I have reached out to numerous sources ( XXXX, XXXX, XXXX, XXXX, Chase, State services, and now National ) trying to resolve this issue. I have not received the services that I have paid for, nor do I have the ability to receive them because of the cancellation that XXXX  placed on the hotel stay. I have been scammed and frauded by multiple sources. First from XXXX and second from Chase Credit Card. Chase has multiple policies in place that act against this fraud and I have not received any of them. Even if I did have the reservation, an American citizen cant get into XXXX because the borders being shut down for leisure in response to COVID. Chase sapphire reserve credit card has a policy against this as well and Chase has yet to refund my travel with the travel protection plan that is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: SYNCHRONY FINANCIAL
State: WI
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:
I opened a jc penny credit card hoping to improve my credit score now due to reporting issues about my payments being timely its bad ... I have proof of my last payment to them via a letter and there automated system rejected my information I called them and verified my routing # and it was correct my bank also had the funds for this XXXX $ $ Payment!!!! I did not expect this at all. 
I am trying to improve not make it bad Please help!!! 

Thank you 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 2018-12-20
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. 
I am the Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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 my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX PORTFOLIO RECOVERY # XXXX I've never did any business with these companies.

Company response to consumer: Closed with explanation