BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XX/XX/2021 approximately XXXX, I went through the CHASE drive through to cash a check, consumer rights were denied by the President and bank manager, XXXX XXXX XXXX because I autographed the check XXXX XXXX, ALL RIGHTS RESERVED. Initially I was given the denial through a teller, then I decided to do into the bank, to gain clarity as to why they were refusing me services. I filmed using my cell phone for my own protection, and document purposes. I finally made it to the window and expressed my concerns and displeasure with the teller from the drive up window, when she told me I have to speak with Mr. XXXX, I explained to Mr. XXXX that he was attempting to clog my equitable rights, and prevent me from engaging in commerce. Mr. XXXX, then at that time slid my driver 's license and check, jumped up from his stool and said that he didn't want to be filmed. Mr. XXXX had several bank cameras in front of him and several behind him, which belong to Chase Bank, therefore I didn't understand. Mr. XXXX then threated me by saying that if I didn't leave, then he would call the police. Knowing the temperature at this time between civilians and police officers, I felt that Mr. XXXX was attempting to use the police officers as an attack dog or weapon against me. Since Mr. XXXX made the threat of calling law enforcement, I called them on myself in order to document the event. When the officers went into the bank, Mr. XXXX expressed that I could come back into the bank to have my check cashed under the conditions that I signed with just my signature, omitting XXXX XXXX ALL RIGHTS RESERVED and no recording. I refused and left the bank with the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express offered a {$10.00} statement credit if I made a {$50.00} purchase at an XXXX store. I made a purchase totaling {$64.00} at an XXXX store. However, the merchant processed the charge under a XXXX merchant account which was specifically excluded from the offer. I contacted American Express customer service and the agent and the agent 's supervisor both said they were n't able to grant the credit since it was processed at a non-participating merchant. The expectation that the customer is somehow supposed to know that a specific merchant listed on the store front, the company 's website, and the receipt as " XXXX '' will not be eligible for an offer because the merchant processes the transaction under a different name is not reasonable. 

Here was the specific offer language : Details Get a one-time {$10.00} statement credit by using your enrolled Card to spend a minimum of $ XXXX in one or more transactions in-store at XXXX or online at XXXX by XX/XX/2017. See terms for exclusions. View Locations Nearby Terms Offer valid in-store at XXXX in the US/US Territories or online at XXXX. Not valid for giftcards purchased online. Excludes purchases from XXXX locations, XXXX, and XXXX. Offer is non-transferable. Must add offer to Card and use same Card to redeem. Limit 1 statement credit ( s ) per American Express ( R ) online account. Statement credit will appear on your billing statement within 90 days after XX/XX/2017, provided that American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from merchant until all items from your qualifying purchase have been provided/shipped by merchant. Statement credit may be reversed if qualifying purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. For example, your transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. By adding an offer to a Card, you agree that American Express may send you communications about the offer. POID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: I.C. System, Inc.
State: LA
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:
There is a collection account on my XXXX  report that is WRONG! XXXX  and XXXX  both fixed this situation. I did not have a water bill in 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 2017-01-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To the Consumer Financial Protection Bureau : I XXXX recently filed a CFPB complaint against a national collection agency that specialized in the collection of unpaid rent. This agency send a compromised offer, but they did not expose the truth of my arrangement with The XXXX apartment complex. I hereby attach a copy of an email between myself and XXXX, Assistant Property Manager at the apartment complex in question. My move out from this complex was requested professionally as I was facing a family crisis back in XXXX State, and the ownership was understanding and agreed that I would only be responsible for the days whereas my apartment was nor re-rented, but that the management would advertise the apartment for rent immediately. The email response I have posted on this complaint shows that XXXX apologized that he was sorry the apartment was not advertised, and that he would not charge me for this mistake. This response concludes any argument that I owe anything towards the Fair Collections & Outsourcing , Inc . In addition, the settlement offer by FCO is hereby void, mainly because there is no lease termination fee in the entire lease, as posted for your review. This entire collection is a violation against my rights under the Fair Debt Collection Practices Act, the leasing by-laws of the state of XXXX, and since FCO posted the collection on every credit bureau, a serious violation of the Fair Credit Reporting Act. FCO has acted devious by adding charges to an invoice that are not included in my lease, and the fact remains that my move was amicable and the management of XXXX agreed that I was not going to be charged for the apartment post move. FCO must file a removal of the case and send removal letters to all pertinent credit reporting agencies on behalf of XXXX and XXXX respectively.

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 2017-04-27
Company: PNC Bank N.A.
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: Account information incorrect

Complaint:
We obtained an Equity Line of Credit in  XXXX / XXXX / XXXX  from National City  Bank (  now  PNC ) secured as a 2nd  XXXX  by our personal residence. We made all payments on time f or 10 years. At the end of the 10 years (  XXXX / XXXX / XXXX  ) the draw period ended and the loan was converted to a 20 year repayment period.     PNC is reporting this loan as a " Revolving Credit Card Debt '' loan to the Credit Reporting Agencies.     We refinanced ou r 1st mortgage which closed   XXXX / XXXX / XXXX . The  1st  mortgage now reports as closed and the new 1st mortgage holder has not yet reported to the Credit Bureaus.     In  XXXX   XXXX  when monitoring our credit we observed o ur credit score h ad lowered over  XXXX  points. We contacted PNC and asked them to report the loan as a 20 year term loan secured by real estate since that is what it now is.     They refuse to change their reporting to the  Credit Reporting Agencies without any explanation.      We then mailed (  XXXX   XXXX ,  XXXX  ) the original note and subordination agreement for  the county records to the Credit Bureaus who contacted PNC and still no  change.     Please help us with this reporting. We have always paid the bill on time, even through the recession, which they are reporting to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this from my credit 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 explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX 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 2017-10-11
Company: Performant Financial Corporation
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After several failed attempts to resolve an erroneous balance due on my student loans, it has been determined that I have to file a complaint to get somebody to review this matter. I was contacted by Performant Recovery several times regarding an outstanding balance due on my student loans FROM XX/XX/XXXX. The balance due has changed drastically over the weeks. My outstanding balance with XXXX was {$4100.00}. Performant Recovery is now handing this debt and I entered an agreement with them to repay the balance at a monthly fee of {$5.00} due to unemployment and inability to pay more at this time. Performant Recovery has changed the balance owed to {$17000.00} on XX/XX/XXXX, to {$18000.00} onXX/XX/XXXX, and it now sits at {$18.00}, XXXX owed as of XX/XX/XXXX. I have sent several requests for review to set up a hearing, to no avail.
As previously stated, I set up a repayment plan with Performant Recovery so my income tax would not be affected by this again. I then started receiving letters and phone calls from XXXX XXXX XXXX stating that if I did n't set up a repayment plan with them my income tax would be taken and my wages would be attached. I have not received an opportunity to review or dispute the balance they say I owe and have received any answer except " If I refuse to pay, they will attach my wages and take my federal income tax. '' Finally, my income tax was taken for the year XX/XX/XXXX in the amount of {$4300.00} to offset the student loans owed to XXXX, however this was never applied to my balance! Nobody can answer where the money went and they only transfer me to different offices when I attempt to figure out what happened to the money they took. That money should have settled the debt I owed to XXXX, but nobody knows where it went. This started with me owing XXXX  {$4100.00}. They offset {$4300.00}. That would leave my balance in the negative, but nobody will answer my correspondence to request a review. Hopefully this office can get something done in this matter. Thank you!

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 2021-08-02
Company: Bread Financial Holdings, Inc.
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: Their investigation did not fix an error on your report

Complaint:
I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TCF NATIONAL BANK
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan through : Gateway One Lending & FinanceXXXX XXXX XXXX TX, XXXXI believe this company has obtained information about my relatives to use to contact me illegally. I am requesting an attempt be made to find out how they were able to contact relatives to get in touch with me, when I never gave them information. This is a classic case of what the CFPB has tried to put a stop to from past episodes of badgering by lenders. This company has contacted my Grandfather who is a retired XXXX XXXX and his information is protected from the public. This is completely unacceptable for a Lender to badger relatives. I did not give their information to this company. I was out of the country while this was going on.This company said they did not have to divulge their protocol for finding out information about Borrowers. I asked to speak with a supervisor, but am not confident that I actually spoke with one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Submitted dispute with proof to have error removed from my report and its still there. Even though the company who originally caused the error sent proof that debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: NAVY FEDERAL CREDIT UNION
State: IN
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:
Pursuant to 15 USC 1681a ( 2 ) any extension of credit or approval should not be included on a consumer report. I pulled my credit report and realized that
Navy Federal and Transunion are violating my Federal Rights as a consumer I, XXXX XXXX, Did NOT Give them permission to furnish these inquiries on my credit report.

Under 15 USC 1681n, both companies are civil liable for willful non compliance.

An Agent Named XXXX said she was not deleting them and then rudely hung the phone up in my face as I was trying to get these items of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello. 
I have a student loan with Navient and have had this loan since XX/XX/2009. Since XX/XX/2009, my principal has increased by almost XXXX dollars and I have been unable to make any payments on the principal due to such a high payment, and such a high interest rate. When I went to my provider in search of options to lower my payments, the only option they gave me was deferment or forbearance. Both of which added interest onto my principal. When we signed up for this loan, which was originally through XXXX, it was the only financial institute that we were able to finance through according to my school which was XXXX. My father is a cosigner, and due to his income, we did not qualify for lower monthly payments - regardless of his inability to help me pay those payments. At the time, my father was out of work, and was struggling to pay his own bills, let alone helping with mine. I have struggled to pay this bill ever since I XXXX due to the high monthly bill and my low income. They have since still offered no help and we are in danger of defaulting due to the fact that I am now out of work. I am aware of the pending lawsuit against Navient, and would like to participate in any way possible. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So I was staying with a family for sometime and while trying to get back on to my feet my social security card and information was used with out me knowing and took out a couple of credit cards I believe one for kohls and capital one I had already had these disputed but for some reason they keep showing up on my credit how can I make sure that this account that was opened fraudulently is closed and not used against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2015-05-27
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent me in error to a debt collector XXXX XXXX XXXX for {$140.00} XXXX XXXX, 2015. On XXXX XXXX, 2015 I paid XXXX XXXX {$160.00} which included late charge. I spoke to XXXX on XXXX XXXX, 2015 at XXXX verifying that I paid this bill full. Then received another bill from for the same {$140.00} from another collector MRS Associates for the XXXX XXXX bill XXXX {$140.00} XXXX. I tried several times to call MRS Associates on XXXX XXXX,2015 and XXXX XXXX, 2015. The phone tree takes me to the point of waiting to speak with a representative then disconnects me every time. This very frustrating and seems like a scam. I need some help. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation