BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Other fee

Complaint:
The annual fee of the AMEX Gold card keeps increasing XXXX $ year-by-year. Although I know it is a choice and, supposedly, we get informed for any increase, this is outrageous. So you end up paying every year paying the fee, as if you cancel the card, you lose all the reward points that you have collected so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
There seems to be a practice among credit card grantors specifically XXXX XXXX  and Comenity Bank in which they appear to be reviewing customers accounts and if their credit score is lower than when they first got approved, the Banks are just closing customers ' accounts and saying it is due to a report received from the credit bureau as if the customer 's credit is bad. I believe this practice is unfair especially if the customer 's account is in good standing with the credit bureaus! like mine!

Within the last 120 days this happen to me twice. ComenityXXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2021 and just recently XXXX XXXX XX/XX/2021. I just happen to get a credit alert from XXXX XXXX today XX/XX/2021 that my account with XXXX XXXX was closed. I got one on Comenity around XX/XX/2021. When I called to inquire as to why ( same with Comenity ) they refuse to reopen my account.

Both of my accounts were in good standing! I have a 15 page document detailing my interaction with Comenity that I have been dying to share online. With XXXX, I wasn't about to go through what I went through with Comenity. I simply told them I am going to file a complaint and sue them. I'm waiting on the same letter Comenity sent me which I received in the mail 3 weeks after my account was closed, ( See attached Letter and that information was not even correct with what the credit bureaus actually had ) telling me basically after doing a review of my account I was no longer credit worthy! XXXX is going to be sending me, I guarantee you the same bureaucratic letter that Comenity sent me. There was no warning nor notification from Comenity nor XXXX prior to closing my accounts. Creditors closing my account like this is affecting my credit and has caused my score to drop and they don't seem to care. 

THIS HAS TO STOP. They can't just do this to customers. I was about to make a purchase for my grandkids when I learned my accounts were closed. Do you have any idea how embarrassing and heartbreaking that is? And I didn't have another card available at the time to use. 

This will affect my ability to purchase a house and car which I was preparing to do within the next 45-60 days! Creditors closing my accounts looks like I did something wrong or that I am a credit risk! and I am not! 

If this has happened to anyone else, please report it and if you reported it before and nothing was done, report it again. This practice must stop! We must file a class action suit against these banks. These banks are the grantor of almost all the credit cards that are issued in the credit card industry. Go to these links and you will be shocked how many companies issue their credit cards through XXXX  and Comenity ; https : //comenity.com/search? XXXX % XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ; And this is how they treat their customers? It shouldn't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Hillcrest Davidson & Associates
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and HILLCREST DAVIDSON & A ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and HILLCREST DAVIDSON & A ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Ocwen Financial Corporation
State: TX
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:
For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint. 

Bank records are available for review upon request. 

OCWEN LOAN SERVICING, LLC is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of OCWEN LOAN SERVICING, LLC 's products and services. 

1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the Ocwen Payment Receipt and Confirmation electronic document attached ). OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from OCWEN LOAN SERVICING, LLC . 

2. On XX/XX/XXXX, OCWEN LOAN SERVICING, LLC failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). 

3. OCWEN LOAN SERVICING, LLC consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ). 

4. OCWEN LOAN SERVICING, LLC sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by OCWEN LOAN SERVICING, LLC 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by OCWEN LOAN SERVICING, LLC .

OCWEN LOAN SERVICING, LLC needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I submitted a dispute to XXXX about account XXXX XXXX XXXX XXXX XXXX reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX was reporting the account as closed/collection account never late. I informed XXXX that the account with XXXX XXXX XXXX XXXX XXXX was indeed open and was not a collection account. I informed XXXX to Delete ( not update ) this account. On XX/XX/2022, XXXX updated my report showing XXXX XXXX XXXX XXXX XXXX account open with a paid on time payment for XX/XX/2022. According to the FCRA this is not a accurate report. XXXX is suppose to report accurate information at all times. How can the account be open, then closed as a collection account, then back open again? How is this possible? This is not accurate. Remove ( not update ) this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
So this is maybe like the third or fourth time Chase has overdrafted my college checking account for an " everyday expense, '' though the agreement I signed explicitly states that in the case of insufficient funds Chase is to decline, not accept my card. It was an option I specifically indicated as such to avoid problems like this. On XXXX/XXXX/15, with the latest charge before being two days before on XX/XX/XXXX, and with an indicated balance of {$4.00}, Chase approved a {$7.00} " everyday expense '' from the local XXXX leaving my account at - {$3.00}. I sent them a message about it, kind of upset because this is the third or fourth time, and they generically responded as though this was n't their fault. I 've had overdraft fees apply everytime before as I 'm sure they 're getting ready to pin me this time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: United Resource Systems, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I FOUND SOME ERRORS ON MY REPORT THAT ARE IN QUESTION, CAN YOU PLEASE SEE THE ERRORS I FOUND BELOW, THANK YOU FOR YOUR PROMPT ENGAGEMENT.

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 2016-12-10
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card
Issue: Billing statement

Complaint:
CHASE FREEDOM CREDIT CARD I just signed up and received a Chase Freedom Card last month and today I received my statement and was shocked to see all XXXX digits on my statement. I was in awe and shocked so i called their customer service number. He told me that all Chase credit card statements have all XXXX digits listed. I told him that I have several other credit cards and they only send statements with the last XXXX digits of the card. He told me he could n't do anything so I asked to speak with a manager. He transferred me woman manager who told me the same thing but said she had several other members complain about their statements having all XXXX digits and would escalate this issue. 
This just makes it easier for someone to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Affirm Holdings, Inc
State: MS
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:
Called companies XXXX XXXX Affirm Inc about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called XXXX about incorrect information and fraudulent activity. Called XXXX  about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CITIBANK, N.A.
State: MS
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:
Called companies Macy & XXXX XXXX about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called XXXX/XXXX  about incorrect information and fraudulent activity. Called XXXX about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my 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 monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: CA
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 XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX act # 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 sec 2. It also states a Consumer Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any knowledge of this collection account. This debt does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian you are reporting inaccurate and unverifiable information on my credit report. Experian you are Hereby Put on Notice that you reporting information that are inaccurate. 

The Information is not information relating to any transaction by the consumer. Block all information relating to identity theft report deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-18
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The website shows reates as low as 4.125 %. I have near perfect credit ( lowest score XXXX ) have 20 % down ( documented funds for more ), yet the offer came in at 5.375 %. 

I asked why and was told they would rate match, yet they came back with the same rate even though another company offered 4.5 %. 

I have asked for an explanantion as to why they would offer such a high rate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: TX
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:
FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type

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 2016-03-27
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Had a vehicle loan with Prestige auto, after years of paying and being harassed by the company we voluntarily gave back the vehicle we then filed bankruptcy in 2006 and Prestige was an account on the bankruptcy, I have requested this to be deleted off my credit report and no one is doing this also there i a address in XXXX on my credit I have only lived in XXXX My entire life never anywhere else. This has caused me no to get jobs, places to live and loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: BARCLAYS BANK DELAWARE
State: FL
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 tried to purchase a pair of sneakers on line from a company ( billed as XXXX ) for {$85.00} on XX/XX/22. I was notified that the sneakers were out of stock on XX/XX/22 by email. I responded to the email that I would not be interested in another pair of sneakers, and directed the merchant to issue a credit. They responded on XX/XX/22, that they would issue the credit within 7-30 days. Although this seemed long, I waited for the credit and on XX/XX/22, I contacted Barclays Bank. Their customer service has been awful, and this should be easily rectified. After receiving no help on the phone, I filed a dispute of this charge for {$85.00} on their website. I have followed up with multiple calls, and I keep getting various answers. I do not want to pay the {$85.00}, but although they have gone back and forth with me multiple times, telling me that I would have to pay, and other representatives telling me that I would not have to pay. Over the course of 30 plus years of dealing with different credit card companies, once a dispute is files, the charge should come off once the dispute is file, and until it is resolved. I have been told that someone would be reaching out to help resolve this dispute, and no one has reached out, and I am concerned that no one will investigate the integrity of the dispute. 
I also said that i want to cancel this card as the customer service has been awful, and even offered to pay the {$85.00}, and receive a check once the dispute has been resolved, but to no avail. Also, the rep said that I could not speak to a supervisor, as they were busy.

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 2016-05-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is the THIRD complaint I am filling against Campus Partners within the last couple of months. 

The last complaint ( Case # XXXX ) was sent on XX/XX/XXXX. It has yet to be responded to within the Consumer Financial Protection portal. The most recent response was to the first complaint in which they claim that I had not sent necessary paper work over the past year. They neglected to mention that I have been calling them to check the status of my account and faxing completed paperwork for the past year. 

Finally, on XXXX/XXXX/XXXX, I was able to reach a knowledgeable customer service representative, XXXX -- employee # XXXX, who researched the correspondence and discovered that I HAD initially sent the CORRECTLY completed paperwork in XXXX XXXX. As a result, she in turn apologized, corrected the issue, but unfortunately only sent correspondence to XXXX. Shortly after, I noted the one-sided correction, I filed another complaint requesting Campus Partners to correct the issue by sending CORRECTLY UPDATED information to ALL XXXX credit bureaus. 

Since, I had not received a correspondence through your portal from them, I checked my credit report today XXXX/XXXX/XXXX at XXXX ( I hand't done so during the weekend ). 

I was INFURIATED to see that rather than correcting the issue by sending the properly updated records to ALL XXXX credit bureaus, they, AGAIN, sent derogatory information to XXXX stating that I have defaulted. 

NOW my credit report states that I am defaulted on the same loan that XXXX, employee # XXXX, told me was originally misfiled in XXXX of XXXX, and shortly thereafter on XX/XX/XXXX she sent updated information to XXXX. 

After seeing this, I called Campus Partners today, XXXX/XXXX/XXXX, at XXXX XXXX. and spoke to XXXX, employee # XXXX. Initially, XXXX stated that my account information was unavailable because the information was being transferred. After I demanded an explanation to the recent errors on their behalf, she was able to locate a screen shot of my account and claimed that she would correct the issue by sending the proper update to XXXX, XXXX and XXXX. 

Unfortunately, I do not have faith that matters will be properly handled, as this has been an issue for an entire year. It took an ENTIRE year for them to ADMIT to THEIR error, which caused ME to be seen as an unworthy credit applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: COMMUNITY BANK SYSTEM, INC.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I was charged {$36.00} for {$1.00} overdraft. Please remove overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16
Company: JPMORGAN CHASE & CO.
State: NH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Chase Freedom. I did not authorize anyone employed by this company to make any inquiry and view my credit report. Chase Freedom has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ XXXX. XXXX ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that Chase Freedom complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.

Company response to consumer: Closed with explanation