BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: VA
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:
On XX/XX/2022, XXXX unauthorized charges were fraudulently made to my Chase card, totaling {$2300.00}. I reported the charges to Chase, which initially reverse the charges before revoking their decision, claiming that I received benefit from the transaction. The charges remain on my account. 

Obviously, I had not made or authorized the charges my card information had been stolen and I had nothing to do with the transactions. I filed a police report with the XXXX XXXX Sheriffs Department ( permanent case number XXXX ) and further disputed the transaction by mailing a physical letter to Chase on XX/XX/XXXX. I used XXXX certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX in case they want to deny receiving it. The letter demanded that they provide me with the evidence they based their decision on, as the law requires them to do. They have not responded in any way. 
I also used their secure messaging service on their website on XX/XX/XXXX and XX/XX/XXXX to ask for a response. In both cases I got an automated we received your message with no subsequent human follow-up. 

On XX/XX/XXXX, I sent another physical letter. No response. 

In no case has Chase responded to any of my communication in any way whatsoever. 
Worse, Chase knows that the charges were in fact fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Department told me via email ( screenshot attached ) that Chase has an investigation ongoing involving this suspect as it appears numerous cards were used through the digital wallet. 

XXXX says The creditor must acknowledge your complaint, in writing, within XXXX days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within XXXX billing cycles ( but not more than 90 days ) after getting your letter. The creditor has not acknowledged my complaint, in writing or otherwise, and they have not resolved or even acknowledged the dispute despite far more than XXXX billing cycles having elapsed. At this point Chase is both in violation of federal law and complicit in a two-thousand-plus dollar fraud against XXXX of their customers. I ask that you force them to resolve the situation as the law requires, and frankly I wouldnt mind if they pay an additional price for their unlawful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Credit Karma, LLC
State: LA
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 tried to set up an account on creditkarma. I was unable to. Because someone already set up an account. Using my personal info. Please something has to be done.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To W hom It May Concern  : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and  may possibly be relatives address. Please see the attac hed copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRE NT WORK INFORMATION IS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   My current  phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses IMMEDIATELY :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H  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 , O H  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 , O H  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 , O H  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 , O H  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 , O H  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    XXXX , O H  XXXX   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 non-monetary relief
Consumer complaint received 2017-05-11
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX / XXXX / XXXX  I needed expensive dentist work for my teeth. The dentist sold me on a no interest credit card from, Comenity Capital Bank,  XXXX   XXXX   XXXX  Credit Card account.  XXXX . I charged {$7500.00} and had the work done.     I did not understand that it was a 24 month promotion period with no interest. In  XXXX   XXXX  the promotion ended and they charged me an extreme interest rate of 28 % and started it at the beginning date. I had made every payment on time and most payments were in addition to the minimum payment.     My balance in the beginning of  XXXX  was {$2200.00}. Payments were due on the  XXXX  of every month.     On  XXXX / XXXX / XXXX  they added {$2000.00} interest, and {$2100.00} - PROMOTIONAL TO REVOLVING.   I called and discussed this as soon as I notices, around  XXXX / XXXX / XXXX . I pleaded with them to remove the interest charges and I was prepared to pay the balance in full. I spoke to  3 different levels of management and they were extremely rude and would not budge. The last person was the district manager and he said he did n ot report to anyone when I asked for his supervisor.     There was small writing on the electronic statement saying that the promotion was ending. I feel I should have been notified by mail, email, or phone.     I paid off the entire balance, in fact paid over by {$87.00} which they will not return.   The balance paid was {$4200.00} which was the balance on the  XXXX  ending statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I reported that my Macy 's credit car was stolen and they did n't ask for ID card or any prof some hody make a purchase at Macy 's department store and why they place me on collection I will sue Macy 's if you did n't take of my mane from collection

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 2016-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My sub-servicer is SPS servicing I was approved for Keep Your Home California SPS did not send any information as to why KYHC was denied I spoke with KYHC whom stated and sent a letter your servicer declined the assistance because the rears would exceed XXXX by the time KYHC release the funds This was untrue in XXXX 2016 the approval date from KYHC I received reinstatement which was well under the XXXX and recently went over almost four months later SPS stated to me we will attempt to modify first and then work with KYHC At that time I did not need SPS help as KYHC was approved and ready to pay within 30-40 days the reinstatement was good for approximately 21 days and was under XXXX within the guidelines of KYHC SPS stated we can except help after we review for modification KYHC stated that is untrue SPS is not registered in that program which is updated on KYHC website in XXXX 2016 I have requested a letter with details as to exactly why KYHC was denied SPS representative stated to me we are also concerned as your payments will remain the same with KYHC program I stated leasing a room would be immediate if needed until dr releases me to work full time due to XXXX XXXX XXXX, 2016 SPS sent letter of denial for modification SPS continues to input the incorrect income for me which continues to disqualify me for assistance It appears SPS want to foreclose as SPS as denied several attempts to tender the rears due I have written letters to SPS if income I am willing to rent room, as well as my family is willing to assist until I complete medical and return to work full time KYHC - denied Modification - HAMP tier 1 and 2 denied - incorrect income I want to keep my home. 
disappointed with SPS and want my loan to be with another servicer - I DO NOT TRUST SPS Alleged NOTE HOLDER - stated Incorrect in letter to me Thank you for your recent correspondence. 

As per our database, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX XXXX XXXX, Master Servicer Phone # : XXXX XXXX XXXX ( option XXXX ) / XXXX XXXX The servicer is the direct and only contact who would have the information you are seeking. XXXX XXXX is not an investor but a Trustee and therefore does not physically own the loan or the property. XXXX XXXX does not have any say in how the property is disposed, loan modifications, etc. This is the responsibility of the Servicer. 

If you were referred to XXXX XXXX by XXXX XXXX XXXX, please provide the name of XXXX XXXX XXXX representative for our records. 

Thank you for contacting XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage Backed Securities Fax XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: REGIONS 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:
We were using the  XXXX   XXXX  MasterCard for fuel for our company vehicles. We just established this account in  XXXX . All employees  that drive  company vehicles were assigned a card with a unique PIN to avoid unauthorized transactions.  XXXX   XXXX   XXXX   XXXX  contacted me via email on  XXXX / XXXX /  XXXX   about suspicious activity on one of our employee 's cards. After looking into it, we discovered that this person 's card was used to run up over {$2700.00} in charges, while the employee was in a different city on a jobsite with the card in his possession. Only explanation is the card number was stolen by a skimmer on a gas pump. I was told to fill out a form to file the claim. I have conflicting emails from this company telling me how to file the complaint - some told me to fill a form out and email it, others told me to file online. I did both. Afte r 4-5 attem pts - I was finally able to get somebody to look into the claim. This was in late  XXXX . I have many emails showing my repeated attempts to get someone to help me with this issue. All that they do is open a claim for you, email you the claim #, then close the claim without doing anything. I received an apology via email for their poor service. I was promised resolution by  XXXX / XXXX /  XXXX  . I did not receive any further communication until  XXXX / XXXX /  XXXX   at which time they denied the claim, stating that the disputed charges were not covered under our Terms & Conditions due to a "  10 card rule ''. They said this is one of the many reasons they provide us with " tools necessary to monitor your account on a real-time basis to identify unauthorized use proactively ''. However, I can not get anyone at the company to tell me how this card was used without the employee 's unique PIN number. The PIN numbers are supposed to be one of the " tools '' to prevent these incidents, and clearly this did not work. Also since I short paid our invoices by the fraudulent amount, they cut off all of our fleet cards without warning, leaving our drivers in bad positions because they could not purchase fuel when needed. This company has the worst customer service department and response time of any credit card company that I have ever worked with in my 25 years of experience.

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 monetary relief
Consumer complaint received 2017-04-29
Company: DISCOVER BANK
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In   XXXX   XXXX  , I returned home from  XXXX  where I had been living since   XXXX   XXXX  .     As part of the dispute, the sent m e two lett ers, dated   XXXX   XXXX   XXXX   and    XXXX   XXXX   XXXX   . They also sent me all the statements from    XXXX   XXXX    through   XXXX   XXXX  .      1 ) T he   XXXX   XXXX   letter provided an address that is fraud/belongs to the identity thief (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Louisiana ) and indicated that a credit card had been shipped to this address on   XXXX   XXXX   XXXX  . This address is listed in the  one or more o f the statements that were shipped to me at my address. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.      2 )  The   XXXX   XXXX   letter provided the address where I have lived since   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UT  XXXX  ), a nd stated that they had sent a credit card to my address on the same date in the first letter,   XXXX   XXXX   XXXX  . I was living in  XXXX  at this time, had not applied for nor ever received a  Discover cre dit card, nor had my family ever received a credit card for me at this address. This address - my address - is NOT listed on ANY of the statements. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.     ***** In an attempt to validate a fraudulent account without accurate or complete investigat ion, Discover perjured th emselves in providing false, unfounded, undocumented, and conflicting information to their own documents. ****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted Select Portfolio LLC ( who have held my original mortgage for 9 years ) to try and refinance through the HARP LOAN process. This request was to be completed within 3 months. I am a XXXX and had some trouble keeping a " stable '' job for a little over 2 years. During this time, Select Portfolio lowered my payments ( to {$820.00} ) while I was pursuing a career in XXXX and XXXX at XXXX College and XXXX College ( XXXX ). After completing the schools, Select Portfolio resumed my original note payment of {$1500.00} per month. I also have a {$190.00} per month HOA payment. I can not make these payments ( even though I rent to XXXX person for {$400.00} per month ). I now have a ''stable '' job ( also Oil Royalties averaging {$600.00} per month ) and know I could make loan payments of {$1000.00} per month plus my HOA payment. I have been making {$1500.00} payments for the last 9 months at the original rate of 8.3 %. Select Portfolio has stated over the telephone to me and my accountant that the information requested would complete the loan application and that they could let us know within 5 business days of theoutcome of the HARP loan applied for. They requested more information after making these statements XXXX different times. The continual lack of honest communication concerning my loan has affected my mental health. Select Portfolio also calls and uses abusive techniques concerning my monthly payments. I have withheld my XX/XX/XXXX payment because of the handling of my HARP loan. My credit score is poor and I do not know why they continue asking for more current information and processing this loan if, in fact, I do n't qualify. This continued pursuit of this loan is showing a complete lack of good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When viewing my Experian XXXX XXXX, 2017 credit report under : report-summary > account-summary > P3 I see I have a total : 1 open account 15 collection accounts Time since negative : Never This I found very misleading as it says, the time since the last late payment or other negative event was posted to my credit report is " Never '' I continue to Accounts > Open-accounts > pg.3 to see my XXXX  account Status : " Negative '' The same page also states " Experian has no closed accounts on file for you as of XXXX XXXX 2017 '' Finally I reach the Account-details Tab Where my XXXX XXXX account is reflecting a 60 day past due payment ; so now I 'm really confused! XXXX never reported any missed or late payments previously yet my account Status is negative showing late payments and in the same report Experian reported that " The amount of time that has passed since the last late payment or other negative event was posted to your credit report '' is " Never '' I feel the information being provided to me as a consumer in regards to my credit report are false and misleading. I 'm providing a copy of my XXXX XXXX payment history. Along with my credit report, as I have viewed at Experian.com

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 2017-05-11
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Diversified Collections just reported that I have a balance owed to  XXXX   XXXX  on my credit report. On top of not having a balance owed to  XXXX   XXXX , Diversified never gave me a notice of my right to contest the debt, prior to it appearing on my credit report. It just showed up  one  day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: JPMORGAN CHASE & CO.
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:
I had an account with chase. It was an amazon card. For whatever reason Chase decided to close this account. The account had a {$170.00} balance. Chase took me out of their system. I was unable to sign in online to pay. They sent me a notice so I called their phone #. The system would not let me talk to a person unless I had my account number. I did not have it. ( this was an amazon card that is all I used it for ) So after they sent me another notice, I went to a local branch. I explained my problem, and they gave me the right number to call as well as my account number which I did not have. I called it, and paid the balance in full. Now they are reporting me for a late payment on my credit that I have been working very hard on to get great. Not fair. They removed me from their system and left me no way to pay. I took the initiative to find a way to reach them and paid in full. They then waited XXXX weeks and are reporting me late now. I called them to dispute this. Twice. They said that there is nothing they can do to change it. I disputed with XXXX, XXXX, and XXXX and they all just put a little note stating that the customer disputes. Again- not fair. Doesnt help the impact on my score which is down like XXXX points for this one ding. Also, Chase has refunded me the entire late fee. I think that fact by itself is enough to prove that Chase recognizes that the late payment was their fault and not mine. PLEASE help!

Company response to consumer: Closed with explanation