BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
When I applied for this card XX/XX/2016, it 's headline feature was an offer of XXXX Frequent flyer miles on it 's affiliate, XXXX.The feature was listed in the magazine ad that induced me to apply for the card. This specific feature, {$1000.00} of spending in the first three months after card issuance would generate XXXX FF miles, was then and is now advertised in the seatback pocket of every XXXX XXXX seat of every XXXX XXXX flight. It also was and is the first listed feature on the card website, theexplorercard.com. I set about meeting the minimum spending requirement of {$1000.00} in the first three months ( {$1300.00} total on my first XXXX statements starting immediately when I received the card ). I waited a month expecting the additional XXXX frequent flyer miles to appear in my XXXX XXXX Mileage Plus. When the miles did not appear, I contacted Chase ( the card issuer ) and inquired. I was told that my account was signed up for a different offer ( XXXX FF miles for {$2000.00} of spending in the first three months ). This was not the offer I had seen in any advertising. I had asked about the XXXX mile offer when I applied for the card on the phone indicating that those were the terms of the offer I was seeing. 
As a result, even though I met the conditions of spending {$1000.00} in the first three months, I will receive no frequent flyer miles for that feature. This appears to me to be a bait and switch offer since I never saw any advertising depicting the altered terms. I let them know what offer I was seeing when I applied and the predominiant advertising still touts those terms. When I appealed, my appeal was rejected. Although, this is a annual fee card ( {$95.00} ), and I spent the required dollars ( and could have spent the {$2000.00} spending requirement if I had been properly informed ). I have no frequent flyer miles to show for my actions due entirely to bad faith on the part of Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a mortgage modification and it was denied based on financials.   There are  two  issues here. First, the bank incorrectly analyzed my financials. The income they used was {$8500.00} and the income submitted with proof of deposits were {$11000.00}. In addition, the expenses they use were {$8400.00} and the expenses submitted were {$6300.00}. A review of my credit report indicates that  HSBC is reporting my mortgage twice. Once under HSBC and the se cond under   XXXX   XXXX   XXXX   Therefore, this error in credit reporting is causing my monthly obligation to be more than it really is. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2017-05-04
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, Midland Credit was sent a certified letter disputing two accounts that appeared under this company name ( receive date :XX/XX/XXXX ) With that being said, they actually added a third account after receiving my letter of validation. My letter asked for evidence bearing my signature, that I have an obligation to pay them Today is XX/XX/XXXX, I  have not received a validation of either account. I called XXXX as well, which I was told Midland Credit has not added my dispute to my credit file as require by law in the 30 days of disputing. Unfortunately ... .after speaking to XXXX XXXX XXXX  has now placed the dispute on my file. at this point, Midland is in violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the FDCPA 4. ) Violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Im going through XXXX and need help ... on XX/XX/2017 my checking account was accessed with the intent of syphoning off money, we know it was the computer tech we hired. While he was in my acct he accesed our company acct and the XXXX applied {$150.00} to my att acct from the business checking acct. I mean if you 're going to rip some one off at least do it right. Chase bank is refusing to retract the pmt from XXXX, citing because it was my acct that was paid its not fraud. They refused to open a file and conduct an investigation. XXXX XXXX claims specialist, Sup XXXX XXXX XXXX x XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been back and forth with both  Capital One  and  XXXX  about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I have a student loan with  Navient  for approximately  XXXX . I have a family member who co-signed on the loan for me and I have been trying to get him removed. When they pulled my credit report there is an old judgment from  XXXX   XXXX  from    2011. I had  my wages garnished until the loan was paid in-full and closed. This is the ONLY thing negative on my report. I desperately have been trying to get this removed and have had no success. It 's been 7 years! Do n't they have to remove it at   7  y rs? I will do whatever it takes to get this removed. It has cost me my relationship with my brother and his family.   Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had been accruing a lot of fees on my account, like several a day. After speaking with numerous managers they agreed to waive MOST of the fees XX/XX/2016. I explained that I wanted to turn overdraft protection off and have my card to decline when there is n't enough funds available on my card. Somehow, during the conversation with the bank representative, I was enrolled into debit card coverage which in turn, created the same issue I was trying to avoid. Just recently I 've been charged with XXXX insufficient funds fees and they are refusing to waive them. This creates so much debt for me and that money I needed to pay bills which is going to put me behind. I 'm not even sure of how to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15
Company: Bread Financial Holdings, Inc.
State: NY
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:
I continue to receive unfounded charges without any explanation on a card I closed and destroyed with documented proof of the closure ( Comenity Bank, XXXX XXXX ). Bread Financial/Comenity bank is unreachable at their customer service line and by their secure message center, saying messages are undeliverable, and yet they continue to send bills and late fees despite account closure and the account no longer even being active. 

I have a detailed record of closing this account after paying my final bill and receiving a refund I was owed by the company. Comenity continues to harass me, even upon closing the account and after I received my credit refund from them, which was the last thing that needed to happen before I closed the account. The company continues to harass me with a new charge of {$380.00} without stating what it is for and when it was made. The account was closed at the time they continued to send me charges, harassing me for payment. Upon account closure, I properly destroyed the card and had no automatic payments set up whatsoever to this card. The unfounded and unprecedented charge is for {$380.00} and NOWHERE on the bill tells me what it is for. AGAIN, this was sent to me after I had closed the account. 

I have written a handwritten letter disputing this charge, which they acknowledged by sending a letter back saying they were looking into it on XX/XX/2022, and yet I still receive bills requesting payment. I continue to be harassed by Comenity, receiving a most recent LATE FEE after not paying what is an UNFOUNDED charge. It is IMPOSSIBLE to reach customer service, and I am completely fed up with this creditor and find Comenity a CREDIT PREDATOR in every sense of the term. I have yet to receive a satisfactory response to my dispute and complaint and I have written documentation of closing the account after making my final payment of {$1000.00} on XX/XX/2022. 

I fear that this is going to eventually work against my high credit score which I have worked hard on if I continue to refuse payment. I also do not want to accrue any more late charges on this unfounded and predatory payment. Comenity is unreachable at their customer service line of XXXX, and in the times I have managed to stay on the line waiting for support for HOURS PLUS, they do not help and hang up on you. Secure messages are not being sent and I have documented proof of my attempts as well. They need to be shut down. I am happy to speak further about this case and need support as soon as possible. I am so grateful for your help. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card
Issue: Billing statement

Complaint:
The statement I receive in the mail from Chase for my Amazon credit card includes my full account number. I contacted Chase and requested that this be changed - it has been months and my current statement still shows the entire account number. Mail is not always delivered to the correct address and this seems to be a security problem that could and should be corrected. If it is an attempt to coerce customers into receiving a digital bill - I believe I have the right to receive a paper bill that does not include my full account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Paypal Holdings, Inc
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal put a hold on my account and stated that my account was " linked '' to an account owing them money. I told them that account does not belong to me and remove the hold, they have not. They are also holding my money hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: Experian Information Solutions Inc.
State: GA
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 have written/se nt 3  certified letters to   XXXX   and Experian o n 3 separate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my  credit report. In my letters, I requested   XXXX   and Experian provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have   never received any supporting documentation on how they verified and came to this conclusion. I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my 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 2017-05-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX  - One month after getting a consolidation loan for $72,xxx, hit with a capitalized interest fee. That's how it started.

-Challenges with payments, they did not keep me on income-based repayment plans, instead, pushed towards capitalized interest and using forbearance. 

-Declared bankruptcy by   XXXX   XXXX   after a full year of unemployment and still not notified of better options for income issues. Consistently referred me to forbearance.   XXXX   XXXX   customer relations staff often did not have American English as a first language, making it even more difficult to understand options.

-Asked multiple times on Public Service Loan Forgiveness, and was told they knew nothing about it. Found out on my own finally in   XXXX   and lost a full 7 years of potential service and turned down positions which could have helped.

-Dates of forbearance pile ons via capitalized interest:
  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   XXXX  

-From   XXXX   -  XXXX , 20 months of consistent standard payments, of which  XXXX  went towards capital.

-Total Capitalized Interest with fees since  XXXX : $17,xxx

-Current principal owed 12 years later from loan origination date: $80,xxx, or + $9,xxxx more then when I started in  XX/XX/XXXX 

-Original College Payoff Date:  XXXX , age approximately   5 XXXX  making regular payments for 30 years Current College Payoff Date:   XXXX  , age approximately     XXXX  , making regular payments for 30 years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. In XXXX XXXX, we applied for a home loan modification due to financial hardship caused by family medical issues. In or around XX/XX/XXXX, we were denied home modification and was informed during the last week in XXXX by Supervisor XXXX XXXX in order to maintain our home from default proceedings, we would have to make an XX/XX/XXXX payment of {$1600.00}. In XX/XX/XXXX through XXXX XXXX, monthly payments of {$1700.00}. In XXXX XXXX, our monthly payments would return back to {$1300.00}. ShellPoint did acknowledge our medical hardship, However, our assigned Shellpoint representative XXXX XXXX did not informed us that Shellpoint was not a participant in President Obama 's HAMP program. In XXXX XXXX we were under the impression that we were applying for a HAMP Home Modification. We were not notified that we had the option of appealing the initial offer. The assigned single point of entry assigned to was never available to speak to us or answer any of our questions. He did not return calls at all, as per his company policy that calls should be return with in 48 hours. His coworkers always handled his calls and decision were made from third handed information in that we were not consulted for clearance by him. Options such as refinancing, home equity loans or options were not discussed or presented to us. Only options were the Company modification Program, Short Sale, or turn over the deed. The Company 's modification offer increased our monthly mortgage payments by approximately $ 300 monthly. We were denied having access to our mortgage holder. We were given a different company every time we asked and was advised not to call because they were hired to handle this. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Skopos Financial, LLC
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I WAS THE VICTIM OF IDENTITY THEFT FRAUD AND I HAVE DISPUTED THIS DEBT TO THE CREDIT BUREAUS AND THE COLLECTION AGENCY TO NO AVAIL ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notification from  Alliance One Receivables Management Inc   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  stating that I owed a debt in the amount of {$1000.00}. I checked my credit report and saw that this company checked my credit for a  Installment   Loan  on  XXXX   XXXX ,   XXXX  . I never applied for a loan and was n't sure why this inquiry happened. So I called the number located in the in the inquiry to ask about the false information and the representative explained to me that her collection company did not check my credit report for credit worthiness. I explained to the representative that her collection company 's address and phone number was the same on my credit report. The representative continued to deny that their company made the inquiry and that   XXXX   XXXX   XXXX   made the inquiry. The representative continued to deny they did this and I explained to her that " collection agencies dont make inquiries that collect debts. Only if I apply for credit will a potential creditor will check my credit. '' I explained to her that this inquiry will affect my credit for the ne xt two  years and why did they do this. The representative continued to deny their company took this action so I hung up and filed this report. Im looking to have this erroneous and false information about me applying for an  Installment Loan  removed from all  XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: ASTORIA BANK
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
We opened a Savings Account at Astoria Bank, XXXX NY on XXXX XXXX, to the amount of {$250.00} on my husband 's account and my account we were informed that if we would add an additional {$2500.00} for 90 days we would be eligible for a bonus of {$250.00}. After the 90 days we did not receive the promised bonus, we went down to the bank and they promised that within a week we should receive our bonus, since then they have been giving us the run-around, and we have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The issue is the continuing of reported information that has been previously disputed. I have requested that Chex-Systems removes these following items from my consumer report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also I have requested that the inquiries from these credit unions to be removed as well. Also the inquiries from XXXX 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 2017-05-04
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a few collections on my credit report and after I looked into them, to find out what they were about, (  XXXX   XXXX  ) I found out the address they had was an address I was at for a very short period of time. I never knew I owed money and after calling the original creditor (   XXXX   XXXX   ) I found out they indeed did not have my correct address and she also mentioned they had the wrong number for me at the time. I was told they would remove the collection from my credit report if I paid the collection agency ( Around  XXXX   XXXX  ). I called the collection agency  ( Transworld Systems ) and told then  what I was told by  XXXX    XXXX   billing dept and they sad " sure if they (   XXXX   ) agreed to remove it we can ''. On  XXXX   XXXX  I paid Transworld for both of the collections  ( One  for {$70.00} and the other for {$230.00 } ).  I, after this filed a dispute with the credit bureaus because the collections show as paid but not removed. I received the dispute results from   XXXX   the collection company is still not removing it. They show it was paid but did not remove it even though I was told it would be removed since the address was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an  officer  of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.

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