BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Bluebird through American expresss advertises get youre deposit up to two days early in which I always have in prior. Well yesterday was the day XX/XX/2018 it should have arrived and it hadnt. Already received email from employer indicating it was sent to bank. They ( bluebird ) didnt see it posted. I waited till today XX/XX/2018 and still not however when I tried to log in my account it wouldnt let me due to system issues on their end ) I call and they tell me they see it but theyre updating system give it 2-4 hours. Time passed and I call back and tell me 2-4 hours again. I used my actual bank account yesterday after hours expecting to be able to pull out the money from bluebird to cover it before overdraft fees occurred now I have less than one hour before the bank closes which locks in me getting fees because there now holding my check 2 days passed what it should have been. Im highly upset and expect my money and my fees to be credited to me or my bank. This is so not acceptable. They advised me upon one call  they have gave fees back before and I understand I chose to use my bank card that caused the fees but in my defense they were to remain consistent with providing my deposits as they have in the past. Its not my fault that they decided to cause such delays going on past 2 days so therefore I dont consider this my fault at any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: MA
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 booked my airlines ticket through Chase bank for about {$1900.00} for ( my mother, wife and daughter ). 
My XXXX and XXXX holds XXXX passport but have valid XXXX documents. 
My XXXX  is XXXX citizen. 

My family had a flight from XXXX to XXXX ( XXXX XXXX - XXXX XXXX XXXX - XXXX and XXXX XXXX - XXXX  ) on XXXX at XXXX. They had XXXX transfer from XXXX to XXXX, XXXX to XXXX and finally from XXXX to XXXX. They were not allowed to board the plane, reason from airline '' they didnt had transit visa. " Please see attached files. 
XXXX ) Letter from XXXX XXXX ( exempt list for transit visa ) XXXX ) XXXX XXXX website ( exempt list for transit visa ) XXXX ) Below file is a flight details. 

From the XXXX embasy letter it clearly says person having XXXX XXXX XXXX are exempt from transit visa. 

I called my travel agent ( Chase bank ) asking about clarification about visa requirement. They were not aware. So my wife and myself called lots of time at XXXX ( airlines ) and no one responded with proper answer initially ( They said since we didnt booked tickets with them they are not responsible to advise us. After repeated calling someone responded my wife and confirmed we dont need visa. Also i contacted XXXX embassy and they replied saying the same that person holding valid XXXX visa are exempt from transit visa. 

To be on safer side I uploaded all the visa information on XXXX website, if they wanted to deny ; why didnt they contacted me earlier? Saying you can not fly since you dont have proper documents. 

Since they were not allowed to board they had to return to a hotel and they were harassed by taxi driver on their way. This is not fair. I had to book a new flight in emergency which costs me {$5300.00} USD. I would request you to please look in the matter and pay me for all my damages. 

I am asking these because i called XXXX and also my bank ( Chase travel reward ) multiple times with the same question ( requirement for transit visa ) and no one informed us that they can not travel. 

I would request someone to really help me with this request. 

I raised a complain with XXXX ( airlines ) and Chase bank ( travel agent ). Without proper investigation they refused my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am the cosigner on my son 's college loans. We were able to pay off all of his loans after receiving a lump sum of money. I used the repay links on the XXXX XXXX website, and it looked like they went through but the loans were not paid by my bank. I made several phone calls to XXXX XXXX who first told me the bank was declining payment. The bank ( XXXX ) claimed that they had not received any information or attempts from XXXX XXXX, which turned out to be true ... at that point ( a week after the first attempted payment ) XXXX XXXX told me it was because the amount was over $ 100K when all 4 loans were totalled. At that point, I tried to submit each repayment separately. This still didn't work so 2 days later I called again. This time the XXXX XXXX rep submitted 2 repayment requests at the same time that I submitted all of them ... and all 6 went through, for an overpayment of $ XXXX. I called to try to get it reversed and they said they could send me a check in 10 days. When I insisted that they were at least partially at fault, they said they could reverse the charges in 5 days. I waited 6 business days and " chatted '' with their customer service online again to see why I still had not received the money ... they told me XXXX today, XX/XX/XXXX, 2 weeks after my initial attempt to repay the loan ) that because the amount was so large it had to be approved by a " director '' and that would take an additional 10 days. They said they would not pay interest despite holding my money for what will now be close to 4 weeks. This is causing me completely unnecessary and inappropriate hardship and expense, is due to their complete failure of any proactive communication, and I suspect is a illegal. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-25
Company: Diversified Consultants, 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: Account status incorrect

Complaint:
On XX/XX/XXXXI settled a collection account with Diversified Consultants Inc, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by Diversified was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled onXX/XX/XXXX, Diversified had not yet been reporting the collection account on my credit report ( see attached 3-in1 credit report showing collections only, datedXX/XX/XXXX ). However, in XXXX, over a month after I paid the Diversified collection account, the collection agent [ Diversified ] reported a new collection account to the credit bureaus with a retro open date of XXXX. 
InXX/XX/XXXX, I spoke with a Diversified collection agent who informed me of the original creditors [ XXXX ] collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to Diversified submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted Diversified again on XX/XX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the Diversified collection agent onXX/XX/XXXX via credit card. Additionally at the time of payment I inquired with the Diversified collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the 3 credit bureaus, and inXX/XX/XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the Diversified collection was settled prior to the account being reported, I filed dispute with the three major credit bureaus, XXXX XXXX, XXXX and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I recently opened up accounts with Chase bank ( I just got married and that's my wife 's bank ). If I deposited XXXX XXXX into a new savings account and set up direct deposit with a new checking account within 30 days, I'd receive XXXX dollars based on a promotion that was mailed to me. When I went to redeem my money, they denied me saying I didn't redeem their coupon within 10 days. When I filed a complaint, their complaint department denied me saying I didn't redeem the coupon within 21 days ( it took over a week of phone tag to finally get them to talk to me about this ). The issue I have is that nowhere on their letter ( I checked the fine print with their bankers ) does it mention this 10 or 21 day time frame. When I told their complaints department, they said I was advised to go in before this 21 day time frame, I wasn't, and she told me there was nothing she could do. I asked them to just show me how I was supposed to know this and I'll accept my mistake, but not a single employee could find it. They could only apologize. I know based on what one of their bankers told me that I'm not the first person they've denied. Chase is offering free money to people like me who really need it to survive, creating restrictions only they know, and just saying sorry but we can't help. This is unfair and I think the public should be made aware of this. I can send you a photo of this letter if you'd like. Thank you for your time to read this, and I really hope to hear back from you. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, addresses, names on file, nor did I authorize any of these companies to pull 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 2022-08-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have never give any written instructions or consent to have my information published publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was recently alerted by a credit monitoring service that a new collection account was placed on my XXXX credit report on XX/XX/XXXX in the amount of {$2500.00} by National Enterprise System the original creditor being XXXX XXXX. Let me start by saying, I do n't owe this debt because it was included in my chapter XXXX bankruptcy discharged of XX/XX/XXXX. I am certain XXXX XXXX was notified of my filing and discharge at the time. I have a copy of my discharge notice as proof. I was also able to contact XXXX XXXX on XX/XX/XXXX which they then confirmed my debts were sold to an outside collection agency many years ago soon after learning of my filing. XXXX XXXX forward me an old student account summary showing a balance in the amount of {$1000.00} dated XX/XX/XXXX that I allegedly owed at the time, which i disagreed with. The collection agency ( NES ) who now owns this zombie debt plus the unexplained amount they 've added on to it has re-aging this debt by recently placing it on my credit report as if it was only 4 years old.They claim I owe this amount but can not tell me why. I have worked very hard to re-establish my credit over the past 6 years and now my rights are being violated and this is beginning to cause me great stress and depression.

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 2018-11-29
Company: SRA Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a second notification form this company about a proposed debt with them. XXXX XXXX handled this matter a while ago and yet i receive communication regarding this matter from time to time. 

This company has called my number repeatedly regarding this and i spoke with an agent today and informed them that this is not my debt and was the result of identity theft. I need these harassing calls to stop. this company continues to try and collect payment from me although i have already sent a letter asking that they cease with the calls and phishing regarding an invalidated debt that was the result of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing.

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer. 
If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13
Company: DISCOVER BANK
State: WA
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:
Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards Discover & XXXX which use XXXX service ( run by XXXX ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and Discover card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. XXXX just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as Discover and XXXX take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
'Amex advocate ' don't show me {$100.00} credit for a prior offer. Since this 'new offer ' attached, dated XX/XX/2018, " I didn't get the credit you promised ''. 

I received an offer from amex by email 'XX/XX/2018 '. This is what it said. Add new Additional Card Members to your account through this email and earn a {$25.00} statement credit after they spend {$250.00} in purchases on their Card in their first 3 months of Card Membership ( limit of four {$25.00} statement credits ). Offer ends XX/XX/2018. I did so and added 4 new members to my cc account, but I didn't receive the {$100.00} credit since this 'NEW ' offer attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I made several attempts with representatives of JPMCB account # starting with XXXX XXXX XXXX XXXX XXXX, DE XXXX Ph # XXXX, Over the phone the agreed amount was XXXX, and a settlement letter in writing would be arriving soon. They stated they sent out the letter several times in the pass 2 months However, I never received it. So, I went to the local branch and had agent XXXX call them to confirm the agreement they did and instructed him to collect the money and later report to the three credit bureaus that the account was paid in full. When I checked rep stated no payment had been posted.

Company response to consumer: Closed with explanation