BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 someone messaged me about buying furniture I had purchased for sale online. I was selling everything for {$500.00}. He sent me a check for {$1300.00} and asked me if I minded paying the movers for him but only when the check cleared with my bank ( Chase ). Once the check cleared and all of the money was in my account, I then payed the movers over XXXX. Everything seemed very legit since the check cleared and i had access to the funds. A week later I get a notification on my bank app that the check was being returned. Apparently " no one, including chase employees, can guarantee to you that a check will not be returned and it is possible that the check will be returned months after you and you've withdrawn them ''. The person helping me at chase went on to tell me that I was " XXXX  '' and proceeded to tell me that this wasn't an emergency. I now know just like everyone else scammed through XXXX that they are not liable. I filed a police report and was assigned an investigator and im sure we all know that will go no where. I have read my rights under the Electronic Funds Transfer Act and also terms and conditions of chase. Chase is compliant with Regulation E of the EFT and i could possibly have a case. Need to investigate and read up on both documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello! I have a Visa Barclay card. I was added as an authorized user by my ex boyfriend ( which I consented to at the time ) ; we broke up about 1.5- 2 years ago. I 've asked him several times to close this account and he has n't done it. I 've called the number on the back of the card ( XXXX ) twice and they stated both times that without the last 4 numbers of the primary account holder 's SSN, their DOB, and the phone number on file for the account they ca n't even access the account to close it. I have n't gotten any further than this with them. I do n't know if the primary account holder is him or his dad, or any of this information as it would appear on the Barclay account. I 've asked them several times and they say they ca n't help me at all without all of that information. I do n't want to be stuck on this account forever just because some guy I used to date and his dad wo n't answer my calls or texts. It 's also just beyond me that without this information they are wholly unable to help me in any way to just close the card and get my name off that account. It 's very frustrating that this card is in my name, attached to my credit report, was opened with my social security number, and they are telling me I have absolutely no control to close a card that is attached to me in a personal way. His dad also just declared bankruptcy and I just do n't want my name tied to them anymore. Please help me close this card out, Barclay wo n't!

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 2022-03-22
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Back on XX/XX/2008, I took a cash advance  on my Shell credit card in the amount of {$1400.00} for car repairs. Wondering why I was still paying on a transaction made over 13 years ago, I called Shell for an explanation. They told me that none of the payments I've made since then ever went towards this cash advance  but instead went for current transactions. That means I've been racking up interest on the XXXXash advance as well as having my available credit affected for over 13 years! I was told that I couldn't designate that part of my payment go towards this cash advance so they'll continue applying interest and the only way to stop it is to pay the full amount ( plus interest of course ) of the cash advance. I wasn't aware of these terms when I made the cash advance and never knew about this policy until I recently called them. It seems to me a very underhanded way for Shell to make more money through interest and am wondering if this is even legal!

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 2020-03-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
American Express did not cancel my card when I had fraudulent charges and then reported my missed payment to credit bureaus and destroyed my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX I received a billing statement for my XXXX XXXX XXXX XXXX credit card issued by Comenity Bank. The Statement Balance amount was {$170.00} with a Minimum Balance of {$36.00} needing to be paid by XX/XX/XXXX. I paid the entire {$170.00} online for XX/XX/XXXX and such payment was reflected on my online transaction history ( see attached ), as well as on my XX/XX/XXXX billing statement. I scheduled the XX/XX/XXXX payment on XX/XX/XXXX and selected to pay the " Current Balance '' when I made such payment to ensure it would be at a zero balance. The disclosure on my statement says " HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the dues date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of the purchase. 

My payment was posted on XX/XX/XXXX. I did not make any additional charges AFTER paying off that balance. Generally, my other Comenity issued credit cards disclose the balance and any Min. Amounts Due in the email template ( e.g. XXXX and XXXX ). On XX/XX/XXXX I happened to hit the CTA on my XXXX Bath and XXXX emailed statement. To my surprise I had a PAST DUE balance. I immediately paid the balance thinking that I must have made an additional purchase that I forgot about. On XX/XX/XXXX, I received a notice from the CRAs that my account was being reported as 30 days past due. While I did still receive email notifications regarding monthly statements from XX/XX/XXXX - XX/XX/XXXX, there was only a CTA and no balance information or past due email warning in any of my emails so I had assumed the balance was zero. Additionally, I did not receive any new purchase alerts and I already paid off my balance by the Due Date back in XX/XX/XXXX, so not expecting a balance of any kind. I called to dispute the credit reporting status with Comenity and was told that in XX/XX/XXXX, after I paid the full balance, I was charged an additional {$3.00} interest on XX/XX/XXXX. I was confused by this since I paid the XXXX XXXX amount for the previous cycle by the Due Date to avoid additional interest, as indicated in my statement disclosures. I was advised to submit an electronic secure message through the XXXXXXXX XXXX XXXX XXXXXXXX Comenity portal. I submitted the request on or about XX/XX/XXXX disputing the additional interest, as well as the late status because I should never have been charged the interest by the Company. I received a response on XX/XX/XXXX that I received a reversal of one of their late fees and would receive a letter in the mail about my credit report request. I received the letter in snail mail today, XX/XX/XXXX stating that my request was denied, but there was no reason as to why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23
Company: Debt Management Incorporated
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2016, I successfully disputed a debt that was claimed to be mine. I had no prior knowledge of this debt 's existence. The XXXX credit bureaus ( XXXX, XXXX, and XXXX ) found no sufficient evidence that I owed any debt to this particular agency. However, I am still receiving phone calls from an agent in an attempt to collect this disputed debt. 

My attorney and I have attempted to have this agent and their agency validate the debt and cease and desist all communications with me. We have been unsuccessful in reaching them by mail because all addresses that were provided by this agency are not valid. 

As of today, I am still receiving phone calls from unrecognized numbers and callers who are clearly associated with this debt and still attempting to collect it, but refuse to properly identify themselves. They are leaving cryptic voice mail messages, not disclosing their names or credentials, using intimidating and aggressive language, and are making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible

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 2016-12-30
Company: Courtesy Finance LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We were in the process of obtaining a consolidation loan from another financial institution. We told XXXX XXXX [ who the installment loan is with ] about this consolidation process XXXX times. We finally got a closing date for the consolidation loan and called XXXX to obtain the installment loan 's balance. We were told we could not get the payoff over the phone [ they gave us a balance on the accounts ] that we would have to go in. We went in to get the payoffs and gave them the date we thought we needed the payoff amount to be. They printed out the payoffs. Our consolidation loan closed 2 days after the payoff amounts were good for. The day after the date the payoffs were good until, XXXX of XXXX 's [ his name is XXXX ] employees came to our home ... to " scope things out ''. My partner approached him and she told him that the consolidation 's closing date was the following day. He was condescending, telling her that we had " promised '' to pay off the installment loans on the date we asked for the payoff amounts. He also asked " what car titles '' his company held [ they were never given auto titles ]. 

Prior to his coming out to the house, they would call our phones up to XXXX times daily. 

I was also dealing with another installment loan company that was the TOTAL OPPOSITE of this XXXX. They documented each time we called concerning payoffs, the original closing date and the new closing date. No complaints for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The problem is that there is an account that shows on my credit bureau for an account that was paid off by the hospital by charity care that I received at the emergency room. I have no idea how this account even went to collections status as it was paid off in full. I even sent a copy of the letter that I got from XXXX XXXX to show the creditor that the bill was paid in full by the hospital. This issue should have never went to this level as the account is showing negatively on my credit bureau despite sending the proof that I got from the hospital to certify that this issue should have been resolved before collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Bread Financial Holdings, Inc.
State: HI
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:
Comenity Bank took over from XXXX. Commenity sent a statement without any supporting information noting a vendor, sale, date, purchase amount, nothing at all. Just a lump sum bill. Called Comenity three times, each time they say they are having trouble accessing account. They say call back in a week, customer service not available. I call back in a week customer service still not available. Called again a week later, customer service not available. This is a sham. People should be complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: DISCOVER BANK
State: IL
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:
Without my authorization or knowledge, a Discover card employee erroneously started a dispute on a charge for airline tickets. Discover claims that they have cancelled the dispute. However, the airline shows neither the dispute nor cancellation. I have it in writing that Discover cancelled the dispute. However, my flight is at risk because the airlines have no record of the cancelled dispute. I have been on the phone with the airline and Discover for over 3 weeks and I believe there is still a problem in that my airline tickets reservation is still at risk, according to the airline. Despite telling Discover this, all they will do is issue me a {$100.00} credit, which is appreciated. However, the airline told me that Discover should be able to contact the airline online to cancel the erroneous dispute. Discover claims that they don't know how to do this and don't need to and keep trying to assure me that all is well and that my flight is confirmed. Despite my calling Discover again today to tell them that I am receiving an email from the airline that is asking me yet again to confirm my flight and Discover card payment for the flight, Discover is trying to placate me by telling me all is well. All is not well and I don't appreciate that they will not let me talk to anyone in authority except for low-level supervisors who try to placate me. Discover has offered to refund me my money if my flight is cancelled. That's not the issue. I don't want a refund. I want my flight assured. I also want to file a formal complaint against Discover for initiating a dispute without my authorization and for the way that they have mishandled their mistake in the past 3 weeks. I see no way on the website to initiate a formal complaint against Discover. If they treat people like me ( and my spouse ) who have been long-time customers and have extremely high credit ratings, I shudder to think how they treat marginal customers. I seek the opportunity to speak with the head of billing for Discover, despite their underlings saying that " they have other things to do besides talk to customers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: ERC
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:
ERC continuously keeps putting identity theft account on my credit and causing me hardships. I have sent police reports several times and they keep replacing the debt on all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I requested a dispute and investigation via certified mail regarding items on my credit report file that were being reported illegally. On XX/XX/2022 Experian sent a letter stating that an investigation had been completed and the debt had been validated, however Experian failed to forward to me all the relevant information provided to them for their investigation as required by FCRA 611 ( a ) ( 7 ). On XX/XX/2022 I sent another letter via certified mail attempting to validate the debt with Experian, they have failed to respond validating the debt or by deleting the negative items since. The account being disputed are listed as follows : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # 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 2022-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following companies has violated my rights : XXXX XXXX XXXX ( Original Creditor XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX - XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-12-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
XXXX XXXX # XXXX In XXXX 2017, XXXX personnel initially translated XXXX reward points into {$470.00}. Surprised me as I expected it to be worth {$790.00}. They then said I could n't credit my account with the points as I owed LESS than {$470.00}. I then traveled and charged my card so as to have a balance in excess of {$470.00}. Upon my return I asked XXXX to credit my account for {$470.00}. The first two people I spoke with ( on XX/XX/17 ) told me I could n't do that because my balance EXCEEDED {$470.00}. I ended up speaking to 5 people that day ( in addition to 3 people before I traveled ) XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. 
Each person calculated a different amount for my rewards.I finally received only {$390.00}. 
This from XXXX points!! THEIR SYSTEM SHOULD BE MORE TRANSPARENT TO XXXX USERS. EVEN THEIR OWN PERSONNEL COULD N'T FIGURE IT OUT. 

I 'd like the difference of {$78.00} ( between the {$470.00} I was promised in XX/XX/XXXX and the {$390.00} I was eventually " rewarded ' ) credited to the balance on my account, which I have since closed. I left a balance of {$78.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
n accordance with the Fair Credit Reporting Act hard inquires XXXX  XXXX ( BANK ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a 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 2017-05-26
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I do not understand where this inquiry came from in my report. I do not know what company is microbilt corparation

Company response to consumer: Closed with explanation