BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Per the attached bonus offer from Chase Bank, opening a Chase Sapphire Checking account and funding it or a linked investment account with at least {$75000.00} will be rewarded with a {$1000.00} bonus. 

On XX/XX/19, I opened a Chase Sapphire checking account and a YouInvest investing account to fulfill the bonus. On XX/XX/19, I funded the linked YouInvest account with at least {$80000.00}. This is in order to fulfill the requirements of the bonus and to avoid monthly maintenance fee associated with the Sapphire account. 

On XX/XX/19, without notice and action on my part, Chase Bank closed my Sapphire account without my consent despite having a linked investment account with enough funds to avoid the monthly maintenance fee. I reached out to XXXX the account services supervisor, which notified me that my bonus offer has been cancelled and rescinded. XXXX offered no resolution to the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX 2017, I sent a letter to the bankruptcy court asking them what methods they use to report bankruptcy cases to the credit bureaus. They replied back with a letter stating that they do not report such information to the credit bureaus. I sent a copy of that letter to each of the three bureaus ( Transunion, XXXX, and XXXX ) asking them to please remove the bankruptcy from my credit file as it is on there erroneously. Only one bureau ( XXXX ) responded by deleting the said file from my records.

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 2021-10-30
Company: Self Financial 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:
I was impacted by a recent natural disaster. Per the XXXX XXXX which came into law during the pandemic, a business is not allowed to report consumers to credit agencies as LATE they are suppose to keep account listed as current and they are also not suppose to charge any late fees. I have reviewed all my credit reports and I have made the business aware that they have reported my account delinquent since I was late because I could not work due the coronavirus. They are not trying to fix the problem and remove all late and late fees from my credit reports and account. 

# XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2019 I checked my Capital One App, it had an item hold, and I couldnt see what it was. The App also showed a {$35.00} overdraft fee pending. They have not been holding any items under my account number, nor having any overdrafts pending. What have they started doing to my account number? I have had my account there for years. This is against the law. I called customer service. Again they say they cant remove the pending overdraft fee until it posts. 
How is your agency protecting me as a consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
1. My loan is fraudulent 2.they do not have original mpn 3. it does not have my signature 4. I have filed complaint with DOE and FTC 5. College had me sign a contract under false pretenses they told me my credits where able to transfer when they werent. Its been under investigation for over a year still damaging my credit.

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 2020-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had tried to dispute this bill of {$41.00} but CAPITAL ONE customer service didn't want to listen. Therefore I files a compliant with CPFB # XXXX when I files the charge was more than the amount above so Capital One did credit some. 
I recached out the the merchant last year but never heard back from them, XXXX make the contact for you since its a third party purchase and then the merchant was to contact me but it never happened. The current balance is {$41.00} amount in dispute {$0.00} Interest and {$28.00} late free applied while I am disputing the charge of {$41.00}. 

The actual amount was {$41.00} I called Capital One to dispute again today the chick ask for my DOB after I was identified through automated system. Heck no unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-02
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a XXXX Veteran, XXXX. XXXX. All my federal loans were forgiven with no problems, but this private loan through AES/NCT has been a nightmare that wo n't end! I have talked to someone many of their representatives I have lost count ... everyone of them all agree that what their company is doing to me is wrong! But I can never get in contact with anyone that can make any decisions, my original loan was for $ XXXX and have paid on it for about 10years and I still owe around $ XXXX+ on it. And I can no longer afford to pay for it, it is either food for my XXXX boys or this loan? So it 's not a hard decision for me to make but it 's just ridiculous that this company enjoys to profits off of me and XXXX others in a country that I defended for 10 years +, so they could continue that right .... but they ca n't even cut me a little slack ... it makes me sick that this can happen in the country I was proud to go and risk my life to defend! Please anyone help in anyway that you can, it has gotten bad enough I have resorted to begging .... a warrior brought to his knees by a corrupt corporation! Remember the companies are : American Education Service and National collegiate Trust!! Modern day extortionationates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Pinnacle Credit Services, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this after I disputed it the account was transferred to another collection company. I did not order this phone I did not give my permission for anyone to use my information to buy a phone. They can not provide me with my signature or ID used to get this phone! I would like this to be removed from my credit report since it can not be proven it was mine. I think my ex husband had it but I can not prove it. I also think they have messed with the dates I was told this was in 2009.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-04-10
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXX debit card , Thai ID and Driver license, 1 XXXX XXXX credit card.

XX/XX/XXXX Notice from XXXX  about the Inquiries viewed by others. That have unauthorized account below was open.

1.XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, XXXX, NY XXXX  2.XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, IL XXXX  3.Charles Schwab ; XXXX XXXX XXXX, XXXX XXXX , CA XXXX  4.XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX XXXX, NY XXXX  -XX/XX/XXXXNotice the call center about the identity theft. The representative explain that account will be frozen during the investigate and will be close after they are finish the investigation.

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 2016-09-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have paid my bills on time and have a good relationship with my creditors. However, my new Amazon Store Credit Card issued by Synchrony Bank lowered my available credit by 20 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.

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 2023-01-11
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXXXXXX XXXX a check was issued and paid to XXXX XXXX XXXX XXXX pay a old CC debt in the amount of {$5600.00} that originated from Care XXXX XXXX XXXX On that very same day Attorney PATENAUDE & FELIX A.P.C. filed a law suite in XXXX XXXX Superior Court XXXX XXXX XXXX XXXX XXXX XXXX stating this debt had not been paid. I have made several contacts to PATENAUDE & FELIX without a reply for past 4 weeks now included copy of the Check and Cleared Check from the Bank, including mail/email and Fax. PATENAUDE & FELIX A.P.C. appear to be on a quest to negatively ruin my reputation and cause me more financial burden with a illegal law suite with the Superior Court of XXXX XXXX. 
The Debt has been paid there is no reason to continue with a law suite or further negative harassment from PATENAUDE & FELIX A.PC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I received a report on my XXXX  XXXX XXXX dashboard that my credit score was reduced from XXXX to XXXX. Thinking that was a significant drop, I reached out to TransUnion who provides the score too XXXX. After hours on hold, I finally reached an agent who suggested I pay {$9.00} to receive a credit report in the mail. He said that he could see why the number had dropped but was not at liberty to disclose. He said if I paid for the written report to be mailed in 5-7 days, it would be clear why the decrease occurred. 
I paid and waited. I received the report in writing and it provided nothing but good information that all accounts were in good standing. 
I called XXXX  and was told that my credit score was XXXX as of XX/XX/20. 
I called TransUnion back and, once again, was told that they could provide no further information unless I paid ( another {$9.00} ) for a credit score, this time. That information would give me detail. The agent told me I could do it online. I tried but the online process was unavailable. 
This sounds to me like a form of torture ; to someone who takes his credit status seriously. 
Help. 
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 2016-03-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am formally requesting that the CFPB investing this matter. I do not feel that Experian 's XXXX system is sufficient enough to handle this matter. Please note that I am a XXXX Veteran XXXX This item does not belong on 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 non-monetary relief
Consumer complaint received 2020-04-10
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XXXX. 2018 my checking & secure credit card have overcharges ... .fraud alerts & just out right people and/or places started stealing money out of my account ... ..like a hotel in Wisconsin charging my secure credit card for a nights lodging when I called & concealed the room ... ..Well Fargo does nothing ... .they always take the company line over my word. 

This has been going on & on .... 
Well Fargo does nothing .... 

I get frauded ever month now since ... XXXX Wells Fargo does nothing Finally this year I filed a complaint with the XXXX  & they almost 600 $ instantly .... 

What is an average man to do?

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 2023-01-11
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance  {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I made a purchase of furniture in XXXX XXXX at a local dealer and he was supposed to ship me the items. He told me the order was delayed and after giving him ample time, I have understood he is not gon na ship the items. I reached out to my Barclays Premium credit card for help. I disputed the transaction in XXXX XXXX, for the amount. I got a credit into my account, but after 4 months in XXXX XXXX, Barclays took away the credit saying the XXXX wants the money back. So Barclays gave me exact 5 days to prove my case. I called their remote Dispute dept to request more time, since the letter came out of no where. But after multiple snail mails to re-open the case, they kept closing the case, saying I did n't provide enough proof of delivery. I spoke to seller and made him talk to Barclays, and he clearly agreed he did n't ship the items. But now the XXXX says the money is taken back from him. THe money is in Limbo state, and as per XXXX he doesnt have it. And my Credit card is mean and not helping me with anything after many repeated requests. But they charge me that amount and ask me to pay for it. I need help here. I have no way to reach XXXX, and the XXXX himself is not keen on pursuing this, because its my money and he does n't care much about it. My Credit card company, closed the case without enough enquiry or proof. They are blatant and unethical. I need help here, losing money and no furniture and went thru lots of turmoil last few months. Please help. There are so many parties involved here Credit card company, XXXX, XXXX XXXX processor.

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 2020-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This will be my third time placing a dispute with Experian in regards to the accounts that Experian is falsely reporting to my credit file. I have a filed a report with the FTC, and sent this information into Experian I have since gotten no response from Experian about the reason why they have not removed these false accounts from my credit file. XXXX suffered a large security breach which caused great damage to my life as well as my overall credit file. My information was used to open several accounts that are still affecting me in a major way. I am distressed that these accounts have been included to my credit file, and Experian has failed to maintain reasonable procedures to make sure my credit file was accurate. I am now moving forward to sue Experian in small claims court in 8 business days if these accounts are not removed from my credit file as soon as possible. 

The FCRA requires Experian to verify the validity of each account within 30 business days, I have not heard from Experian and they have not verified this account to me by sending me verified information that proves the following accounts should be listed on my credit file. The following accounts should be removed from my credit file as soon as possible. ( 1 ) XXXX XXXX {$450.00} and ( 2 ) XXXX XXXX XXXX {$1700.00}

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 2015-11-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have been a very good customer to Barclay 's Card for a year and two months. The credit card company has not provided me with good service regarding a charge to the card which inevitably caused me to have to pay in excess of {$190.00}. Without any service for my protection in these types of disputes, I ended the relationship with the credit card company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
SYNCB/Chevron reports acct # XXXX as a charge off/bad debt on my XXXX and XXXX credit report. I have sent 2 certified letters on XXXX/XXXX/XXXX that was Chevron recieved on XXXX/XXXX/XXXX, requesting a validation of debt. Chevron was unable to provide a validation of debt, bearing my signature sealing a contract between myself and Chevron. However, Chevron marked the debt as in dispute. On XXXX/XXXX/XXXX, I sent another certified letter that was received on XXXX/XXXX/XXXX, requesting again for a validation of debt. Chevron, again failed to provide a validation of debt bearing my signature. I 've asked repeatedly that Chevron remove it 's remark on my credit report but Chevron has failed to do so.

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 2017-05-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had an  a CCB/PayPal account 7 years ago. I canceled my account 7 years ago. CCB/Pa yPal continues to request my credit report from  XXXX , and  XXXX . Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation