BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Beginning XX/XX/2020 I begin to have problems with my USBANK RELUACARD. My unemployment benefits are deposited to this card. Ive never had any problems until I moved this month. On XX/XX/2020 my balance was available but my account was blocked. After being on hold with customer service for 45 minutes to an hour, I was told my account was in the fraud department. I was instructed to send my government ID & a selfie to verify.usbank.com/id. On XX/XX/2020 I received another call from the fraud department stating I needed to resend my ID & selfie because it was unclear. Again I sent the information. Here it is XXXX XXXX and another check has posted. But because of their neglect in processing my information I am without electricity, food or gifts for my family. I called again this morning and got the same run around that Ive gotten a week ago. The CSR all say they would put in a ticket and send it to escalation department. I hung up and tried another number where the CSR explained that there was a message on my account had a note from the escalation department from XX/XX/2020 stating unable to lift block. Why the previous CSR didnt relay that message is applauding to me. After 2 times of send ID/selfie Im still unable to access MY benefits. As if life isnt hard enough because of the pandemic now I have to wait for another 5 to 7 days. Tomorrow Friday is XXXX so that is an additional delay. 
I have put in a complaint about this company before to no avail. THIS ON TOP OF UNEMPLOYMENT BENEFITS POSSIBLY EXPIRING THIS WEEK NOT BEING ABLE TO SUPPORT MY FAMILY IS EMOTIONALLY DEPRESSING. I intend to file a lawsuit for emotional distress, and my wages that are an available balance as of this date {$410.00}

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 explanation
Consumer complaint received 2017-05-21
Company: JPMORGAN CHASE & CO.
State: GA
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:
The credit card I am submitting a complaint about is my  Southwest Rapid Rewards Visa administered through Chase Bank. I appli ed for the visa card in  XXXX     2017 unde r the promotional offer of  XXXX  rapid reward points for spending {$1000.00} within the first  three  months of receiving the visa card. I fulfilled this contingency. After noticing I had not received the points, I contacted the  Southwest Rapid Rewards program to inquire about the points. They referred me to Chase since they administer the Rapid Rewards Visa.  On  XXXX   XXXX ,  2017 I contact ed Chase to inquire about the points. I was told by the Customer Service Representative that the promotional offer listed on my account was for  XXXX  rapid reward points and a {$200.00} statement credit. I explained to the her that I signed up for the  XXXX  points promotional offer through the link posted on the   Southwest Airlines   page. She then stated they would change it back to the  XXXX  points promotional offer and that they would have to bill my visa card for the {$200.00} statement credit they had given me and would then give me  XXXX  points since they had already given me  XXXX  points. I agreed and stated I understood this. She stated I would receive a letter outlining this information i n 2-3 weeks and the points would be added to my account within 2-3 we eks. After I did not receive the points or the letter, I contacted Chase again on  XXXX   XXXX ,    2017  and was told I would receive the letter as it was recently mailed. I received a letter from Chase bank dated  XXXX   XXXX ,    2017 on   XXXX   XXXX ,    2017  informing me that I signed up for the {$200.00} statement credit and the  XXXX  points promotional offer and that since it was beyond 90 days of opening my account, no changes could be made. I called Chase on  XXXX   XXXX ,    2017  and asked to speak with a supervisor. I spoke with  XXXX , the supervisor on duty, and explained to him what had transpired and explained to him my issues.  1 )  I signed up for the  XXXX  points promotion through the link on th e Southwest Airlines and n ot the  XXXX  points promotion.  2 ) T he representative I spoke with on  XXXX   XXXX ,  2017 assured  me the changes would be made . 3 ) I h ad no way of knowing there was a 90 day expiration for changing promotions because I was not aware that I had received the incorrect promotional offer until I called Chase on  XXXX   XXXX ,    2017. He  stated Chase would not make a change to the promotional offer I received. I informed him I suspected they are engaging in bait and switch tactics and that I would be filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
mortgage company issued credit remark that house was foreclosed. Currently, my credit history reflects a foreclosure. The house was sold at a profit of $ XXXX and the mortgage was paid off. There was no foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. Equifax CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Equifax as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Equifax is lowering my score with each credit dispute. EQUIFAX MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : XXXX XXXX XXXX Date of Inquiries : XX/XX/XXXX * XXXX XXXX Date of Inquiries : XX/XX/XXXX and XX/XX/XXXX * XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX  XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
NATIONSTAR MORTGAGE LLC DID NOT FULLY GOVERN THE MAKING HOMES AFFORDABLE APPLICATION PROVIDED BY THEIR COMPANY AND AS A RESOURCE FOR HOMEOWNERS EXPERIENCING FINANCIAL HARDSHIPS FOR FORECLOSURE PREVENTION. 
In XX/XX/2017, I spoke with a Loan Specialist at Nationstar Mortgage LLC and discussed the options of a modification for my rental property due to a hardship. The Specialist forwarded documents to me to complete per my request. Once I reviewed the documents I gathered all the data required per the application ( personal information, financial statements, hardship letter & etc. ) I submitted the details to the mortgage company immediately. A short time afterwards, the mortgage company replied notifying me that my modification had been rejected. Upon calling in my concerns, I was informed that my application was denied because the mortgage company was not honoring modification programs for rental properties because President Obama was no longer in office. In requesting the documentation for the Making Homes Affordable Program, the Loan Specialist never informed me of this important detail. MOST IMPORTANTLY the application that I received did not indicate a deadline for the program or if the program was obsolete because Obama 's term was over. During a conversation with another Nationstar Loan Specialist I tried to seek out other options for mortgage assistance but was assured that my choices had run out. 
Nationstar was careless in accommodating my mortgage needs which lead me closer to foreclosure on my property. Despite my hard efforts to keep my property, Nationstar did not properly handle my mortgage assistance request. Ultimately, I was given an ultimatum to pay the accumulated debt or lose my home and therefore was forced to seek immediate, individual personal help for the sake of my loan. 
Their lack of details and misguided communications has provided concerns for other areas of operations in the company. I feel that my personal information sent for a modification review is at jeopardy of being mishandled or improperly discarded as well. 
Nevertheless, a letter I received dated XX/XX/2017 in lieu of my modification request has indicated that Nationstar Mortgage LLC had failed to disclose the owner/guarantor/trustee of my mortgage loan while reviewing my modification request. This letter suggested that Because we ( Nationstar Mortgage ) did not include the owner/guarantor/trustee of my mortgage loan, we are expending your right to appeal non-approval for a modification and your opportunity to discuss loss mitigation options that may be available to you ( me ) to allow an additional 30 calendar days from the date of this notice. 
It appears that Nationstar has a poor habit for disclosing important details and properly communicating with their customers. Their ill-considered actions have caused me more stress than expected during this under addressed mortgage assistance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NV
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 filed multiple disputes with Experian about in inaccuracies on my credit report. After my disputes, under their dispute center, they have marked those account as under bankruptcy and never late. However, they did not update these changes on my Experian credit report and they are continuing to showing those account as a negative information. I even tried to contact with them over the phone but couldn't resolved the issue. Please see the credit report and pictures from their dispute center. They do not match up.

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 2020-03-10
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am currently behind in my payments due to being off work. I have explained to the account representatives the reason I am late. I have also advised them the date the amount and method of payment. I continue to receive calls from Flagship financial services asking if I word lime to set up my payment. The account representative XXXX continues to be sarcastic and very abusive. I asked her to read back the previous Noyes several times and she refused. I have also asked that they do not call my references, nor skip trace me when they do have a point of contact with me. I have also asked to only email me. The sarcasm and the back of professionalism has gone too far.

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 2022-10-09
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased an item from XXXX for a total of {$8.00} in XX/XX/XXXX. I made sure to set up auto pay at that time. My automatic payment was removed without my knowledge and authorization. 
I did not receive a notification that my payment was late until XX/XX/XXXX and I was charged numerous late fees and interest fees for a total of {$86.00} before I was even notified. 

I called XXXX on XX/XX/XXXX to resolve this issue and was told that if I paid {$36.00}, they would waive the rest of the late fees and interest. I agreed and authorized a payment of {$36.00} on XX/XX/XXXX to clear my balance. 

I received an email on XX/XX/XXXX that I had a payment of {$35.00} due on XX/XX/XXXX. My account shows they have not waived the late fees and actually charged me another late fee of {$40.00} and I now owe a total of {$85.00}. 

My XXXX XXXX has also been severely impacted by this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Dear Investigations Department : I am writing to request an investigation for TransUnion credit bureau. After reviewing my credit report, I noticed in XXXX there were several hard inquires that were removed and then reinstated on my credit report without prior written notification. I called TransUnion ( XXXX ) XXXX XXXX XXXX XXXX different times - Special Handling Department - to have all hard inquiries on XXXX 2016 and prior to XXXX 2016 removed from my credit report. 
I 've spoken with several customer service representatives and supervisors to resolve this issue. They all told me that " per their records - I was not affected by the glitch that occurred XXXX 2016 and nothing would be removed from my credit report ''. I know this is inaccurate information, and that this outage affected my credit report. What TransUnion has done with my credit report is unfair, deceptive, and fraudulent. 
I have the up most confidence that the CFPB will up hold The Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), which clearly prevents what TransUnion is doing. 

Thank you in advance for your prompt response and investigation! 

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 2016-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has not deleted XXXX collection accounts from XXXX XXXX even though the collection company sent them a request to delete the items. I have spoken with XXXX from XXXX XXXX and he has verified twice now that the request was submitted to Transunion to delete the items. When I called Transunion and spoke with a CS about it there was no resolution sought or offered.

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 2020-03-10
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-05-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A series of fraudulent charges were made to my chase debit card in mid- XXXX  (  XXXX , I believe ). I was sent a text and followed steps to verify the fraudulent charges. A credit was given to my accoun t ( to the sum of {$310.00} ) for the two purchases ( {$65.00} and {$250.00} )  that actually went through before being marked as fraud.   Later, I received a package that had been processed through fraudulent charges to the same address as listed in my billing information carried with the card. Upon receiving this box  ( a bun ch of coffee mugs I had never ordered, but were the fraudulent purchase ) I called chase to talk to a representative and tell them they some how had the items shipped to me, but there was no return information and the website they were from seemed fake ( " buyourstyle.com and www.customtee '' ). I was told not to worry about it and throw it out or do whatever I wanted with the package since there was no return information.   Weeks later I receive notification that my claim was denied because the company the charges went through verified my address, name, and that the package had been shipped. On top of the fact that I notifie d Chase of my reception of t he package, and was told not to worry about it ; it is easily attainable information through a rudimentary google search that scammers can have items shipped to your billing address ( intentionally or n ot ). Yet, my claim w as denied because they sent me a non-returnable package.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection has been repeatedly reported to my credit file.This is the third company to buy this account and report it..I have formerly filed a complaint with the CFPB about this account when it was owned by another collection agency and it was successfully removed twice before ... It was deemed a " frivolous '' collection by XXXX on XX/XX/2020 after being investigated ... Neither former owner of this collection has been able to legally validate this debt as belonging to me ... Furthermore, Contract Callers Inc. never issued me written notification of any kind to inform me of an attempt to collect this debt before reporting this collection to two of the three major credit reporting agencies. I find it reprehensible that I have to constantly defend myself against a debt that does not belong to me and keeps getting passed from one collection agency to another and being reported to my credit file to the detriment of my credit rating ... I have also file disputes with the bureau 's with the grievance of this being a violation of the Fair Credit Reporting Act as a frivolous account ... I ask that the CFPB respectfully investigate this issue.The Fair Debt Collection Practices Act does not give this company or any collection agency the authority to force me to consent to contract with them. This company has not shown me their lawful authority to enforce an alleged debt claim against me to my detriment without my consent. Furthermore, This company is in violation of the Fair Debt Collection Practices Act by the use of misleading representations and unfair and deceptive practices in the attempted collection of a debt.

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 2015-03-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Have sent a copy of the police report and they have not removed from credit reports. A XXXX account was taken out fraudulently and we have provided proof to this effect. with the attached police report. I want it removed and a letter sent showing it has been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a bank account 5-6 yrs prior to this incident that had a negative balance due to my inability to pay. I believed this account was closed and charged off by financial institution, and account had no activity for years. In XX/XX/XXXX, the financial institution sent me a check for {$79.00} on inactive acct. which confused me, but I was aware that the bank had sold to another company. In XX/XX/XXXX, I notice a debt for Net Credit on my credit report, and called them. I had not applied, authorized, or ever sought a loan with this company to be deposited into a inactive account I believed was charged off and closed years prior. I filed a police report on XX/XX/XXXX, and went to the bank to request records about the inactive account from the new company. I then call Net Credit questioning them why information was not verified before they released a loan, as my phone number, employment info. and banking info. had all changed. And the account that they deposited was inactive and not in good standing. The woman I spoke with adamantly stated they did verify all info., even verified my employment at a place I hadn't worked at for many years. I told her I'd love to see the documentation that was verified because i know for a fact the bank info was not verified as the account had been inactive for years. She then states someone close to me must have stolen my identity. I absolutely feel like that is XXXX, from complaints I have seen there seems to be a pattern to what they do unlawfully and then claim identity theft. They are committing the identity theft and someone really needs to look into this matter. I know matter of fact that verification of a active checking in good standing is required on loans. I would not apply for a loan on a account I believed was charged off/closed years earlier.

Company response to consumer: Closed with explanation