BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I referred my friend using my Chase Freedom credit card on XX/XX/2021. My reward for this referral would be 10,000 chase ultimate reward points ( valued at {$150.00} ). My friend applied using my link and was instantly approved for the Chase Freedom XXXX XXXX and has been a happy customer since. 

Normally, referral bonuses from Chase post to my account in about 2-3 weeks. I contacted Chase when I didn't see it and they told me to wait the full 8 weeks stated in the terms and conditions. Then I contacted them again two weeks ago around XX/XX/XXXX and provided them with the details they asked ( my friend 's full name, email and the last 4 digits of the card they applied and were approved for ). This whole process is documented in my Chase Secure Message history and I can provide screenshots if needed At this point, chase customer support started flat out lying about the entire process and Chase 's terms of the promotion. First they claimed that my friend did not use the referral link and that they are not a new chase customer. My friend has never banked with Chase before and I was sitting next to them when they applied for this card. I made sure that they used the link and helped them through the process as this is their first credit card. 

Then they claimed that a Chase Freedom card account could only refer users to another Chase Freedom card. This is inaccurate both in the the adveritising on the Chase mobile app, the website you visit to generate your referral link and the website shown to the person being referred. They are allowed to choose Chase Slate, Chase Freedom XXXX, Chase Freedom XXXX and Chase Freedom XXXX. This kind of blatant lying to ensure customers never get paid is the worst service I have ever seen. 

They claimed they were escalating my request to a senior representative and I would get a response within 5 days. It has been double that with no response so I have no reason to assume they haven't ghosted me and denied the money I am owed with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: KEYCORP
State: OH
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:
Keybank Card Fraud Service XXXX, XX/XX/2022 Received {$190.00} charge on my credit card transaction dated XX/XX/2022, I have 0 description of what this charge purchased and I did not authorize this. I did not authorize anyone to order anything using my credit card number. I stopped in the local Keybank branch, talk to branch manager and filed disputed transaction. Bank sent me a new credit card with new account number. KeyBank also credited me a disputed amount of {$190.00}. Fine. But after few days I was charged again XXXX on new XXXX XXXX  XXXX. 
Received mail from KeyBank with explanation bank says they found conflicting information and have reason to believe that the transaction in questions were in fact authorized. Consequently, the credit amount of {$190.00} to my account on XX/XX/XXXX has been reversed. I DID NOT AUTHORIZE ANYONE TO ORDER ANYTHING USING MY CREDIT CARD NUMBER. I Dont USE XXXX XXXX  XXXX in last 13 months .No activities on this account. That card we keep in our safety deposit box in our house. According to advice local bank branch manager, called the listed merchant phone number and just got strange recorded message, and guy from merchant company told me they can offer me a reward 50 % of amount {$190.00}. Search internet and found XXXX. This is a HAIR SUPLEMENT product they sell. 
For old men like me XXXX XXXX XXXX I dont need anything like that hair supplement for young girls we never received any package and never ordered it. 
Seriously this needs to stop because if someone is taking this money or its taking my hard earned money and Im tired of it. I did not authorize this charge and I dont even know that it this. Called again for credit card company fraud dept. and lady promised me reopen case and she suppose send me email with new complain form. Last few days I check my email box and nothing heard from them.

I have business with KeyBank almost 40 years, Im retired 4 years and looks Im easy target of scammers because my old age and broken language. Im afraid will be charged this month again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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 am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I woke up to my bank ( capital one 360 ) holding withdrawals for funds in my checking and savings account. 
I called and asked why this was and they said I had a high volume/risky XXXX  AND that someone XXXX me and claimed fraud. I did not recognize the name of who XXXX me and they were NOT IN my phone contacts when I asked why would they have not just returned the money the and let me know about it they proceeded to accuse ME of using XXXX for family and friends when all of my XXXX transactions are sent to solely family members thats are SAVED IN MY CONTACTS. THEY proceeded to tell me my account was closed and did NOT give me any information on when I will receive the money both in my checking and saving account. I proceeded to call multiple times to find out when I will receive my money, they then switched the story claiming We are still investigating but your account IS STILL CLOSED aswell we have no time for when the investigation will end and you will get your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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: Their investigation did not fix an error on your report

Complaint:
Loan was paid off to XXXX XXXX XXXX XXXX but still shows an unpaid/charge off. Letters onXX/XX/2018 were send to XXXX, Experian and XXXX to update and or delete the information.

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 2022-06-12
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a garnishment of my medical set aside on XXXX  XX/XX/XXXX so that I would not be able to contact the debt collector until Monday XX/XX/XXXX. This might be okay for the average person but I have XXXX  and XXXXXXXX XXXX XXXX  and finding out that someone has stolen over {$5000.00} of a medical set aside when I am on XXXX and XXXX  is devastating even causing more serious medical issues. Please help me. I do not know what to do. On XX/XX/XXXX I called to follow up on the previous information I submitted to CFPB, in doing so I found out there were 5 different collections company. It started with XXXX XXXX XXXX  dating back to XXXX. The account was closed in XXXX and sold to the first debt collector, XXXX XXXX. Following XXXX XXXX, it was sold to another company XXXX, for the amount {$2200.00}. They received a judgment for that amount dated XX/XX/XXXX. There is also another company involved XXXX XXXX XXXX. I spoke to XXXX, the third company, yesterday and they could not understand why it was not settled. The last was company Kirshenbaum Phillips & Levy. There was a XXXX XXXX XXXX that worked for XXXX XXXX, and now works for Kirshenbaum Phillips & Levy. This person could be dealing with the debts from back XXXX and this could be personal I am not sure. This debt dates back 16 years and it has been held by 5 different debt collection companies. There was a recent law that passed and changed the amount of interest debt collectors could get from individuals from 9 % to 2 or 3 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought my townhouse about 7-8 years ago for XXXX and I put 20 % downpayment. About 6 years ago I got some assistance reducing the monthly payment since I was laid off. Now my mortgage rate is about 5 % and I 'm still paying as if I had not pay the 20 % down payment because townhouses in the area are valued at around XXXX. I want to see if there is the option to reduce my interest rate and payments, my credit is good and so is my payment record. They want to charge me for closing costs on a home that is underwater? that 's unreal.I also want to know who owns the mortgage, Citi, 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 2020-01-06
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: Their investigation did not fix an error on your report

Complaint:
I was in a 6 month deferment on my student loans, and halfway through the deferment, I started to see late payments being reported on my credit. I worked with XXXX for 1 year to try and get this corrected, and they would not correct it. They denied that my deferment was effective even though I paperwork to prove that it was. I was granted an economic hardship deferment covering the period in which I was supposed to be paying, according to them. Eventually, even though they admitted I was in deferment, they won't correct my missing payment information. So basically, they were supposed to have me in deferment but on accident did, then they corrected it and made it effective retro-actively.

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 2020-01-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A new account was opened with HSBC Bank to get a Welcome Deposit of {$370.00}. Despite completing the qualifying activities, the Bank is not paying the Welcome Deposit of {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the months of XX/XX/XXXX and XXXX 2017, I made contact with NCC Business Services. Upon receiving payment for my collections they agreed to remove the collections from my credit. Since then they have NOT removed the item from my credit. Please pull up phone records with the company. I recently made contact with the company and they are still giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: SC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX to XX/XX/XXXX, my gas card was stolen. I had that card since XXXX and never had a problem until it was stolen. I notified XXXX and they did not remove the fraudulent charges. I emailed them, sent them letters, called them, however they did not stop the card which was being used in Mississippi. I had automatic payments coming out of the bank account so as not to ruin my credit and stopped those to try and resolve the problem figuring that would cancel the card. Of course after not paying they sold the account to Midland, instead of reversing the charges. Midland filed a lawsuit XX/XX/XXXX, which they stopped because of my Motion to Compel Arbitration. I filed a XXXX Arbitration and paid the fees per the credit card agreement, however, Midland refused to pay their fees and refused arbitration. I informed XXXX  of the stolen credit card and fraudulent charges. Midland stated in their lawsuit that because the dispute was untimely, the charges stand. Well, they were not untimely. Midland is damaging my credit. XXXX credit card agreement states all disputes will go through arbitration and Midland broke that  agreement by not following me into XXXX. Also, Midland is using XXXX as one of their Names to report their collection even though all information is Midlands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: V and H Portfolio
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I received a notice on my credit report that I owed {$2000.00} to Phoenix Financial Service. Original date was XX/XX/2020. Due to my XXXX I often XXXX  at work, or was XXXX or XXXX, and would be taken to the hospital without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: OLD NATIONAL BANCORP
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
My bank is Old National Bank. XXXX XXXX app is not partnered with that bank and it 's causing some difficulties

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I currently have a subscription with Equifax for the " Premier Plus '' monitoring service. For the past 30 days this service has n't been delivered as agreed ; yet the monthly service fee continues to be debited from my bank account. I have spoken to multiple technicians and customer resolution specialist regarding the situation however the problem still exist.
The main issue centers around on every occasion I attempt to access my credit report through this service ; I 'm given a systemic error message that tells me to contact Equifax. Upon contacting Equifax I 'm placed on hold for approximately 30 to 45 minutes with no resolution ; I 'm basically told its a problem with the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : MIDLAND FUNDING LLC Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. 

Thank You Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. IFEVER, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a 3mos period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).

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