BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
American Express is reporting to all the credit agencies that they charged off {$29000.00} of my account and {$3900.00} is past due. This is wrong and a blatant lie by American Express. Nothing has been written off by American Express or is late. The following is the true facts. 
1. Since XX/XX/XXXX, I have by agreement with AMEX paid {$17000.00} of this bill. the last payment of {$150.00} on XX/XX/XXXX. 
2. I have an agreement with XXXX ( XXXX ) of AMEX Legal to continue paying {$150.00} per month until XX/XX/XXXX. This will payoff another {$7300.00}. In phone discussion with XXXX on XX/XX/XXXX. 
3. At this point AMEX will write off the balance of {$7700.00}. 
4. All of these payments since XX/XX/XXXX, have been automatic debits to my checking account by American Express. All future payments have been arranged as the same. So there is no question about the payments being made. 
5. I have uploaded all of my agreements and amended agreements with AMEX up to XXXX. I however, can not locate the last amended agreement that established the final set of payments, but since the payments are automatic by AMEX, they had to agree to this in order to set up the auto payments. The last agreement was amended because the payment of {$530.00} to start on XXXX was to high and was made to be {$150.00}. 
I have been honest and have continually paid off this large debt every month since XX/XX/XXXX and will pay it as agreed in the future. However AMEX has not been honest in their behavior as they ave reported untrue lies to each credit bureau about having written of {$29000.00} which they have not done, and reported {$3900.00} late, which is untrue. I pay every month by agreement, so how can the payments be late since they have been made by agreement with AMEX and they automatically debit my account. Because of AMEX and how they are lying to the credit bureau, my credit has been severly and negatively impacted by this harm. And the actions by AMEX have been as recent as XX/XX/XXXX. They must be made to stop and correct this record. A copy of that portion of my credit report is attached, as are the amended agreements with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX Credit card is incorrectly reporting the date my card was Charged off. The Card was charged off/closed in XX/XX/XXXX however, they have it showing charged off in XX/XX/XXXX. XXXX XXXX also shows that the card is 120 days late starting up again in XX/XX/XXXX however, the card is closed, nothing was charged since the charge off, and it was sold to a debt collector prior to the late pays being reported as though my card is still with XXXX XXXX. I also contacted the credit bureaus who will not fix the issue. XXXX 's will not send me verification that the card was charged of in XXXX and they violated FRCA 623 ( a ) ( 5 ) as they did not report the charged of date accurately within 90 days of the charge off.

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 2015-09-03
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid on a XXXX credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a XXXX bill, i paid close to XXXX and they say i owe them XXXX on a XXXXXXXXloan. they sent the debt to midland collection agency XXXX, and they call at least XXXX times a day, as late as XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: AL
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 filed bankruptcy in XX/XX/XXXX in which XXXX XXXX was included as a part of my debt. The bankruptcy has been discharged, but XXXX XXXX has continued to report on my credit report as late, it was reported to Experian as late on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. That information if not correct, they should have no longer been reporting to 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 2017-02-25
Company: SYNCHRONY FINANCIAL
State: WV
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Synchrony Bank claims a debt was settled but I gave no authorization for them to settle school debt. I have an Amazon card with them and have paid it every month. I made a payment on the account in the amount of {$150.00}. When attempted to pay off the full balance this month, they tell me the debt was settled for less than half of what I owe. the account wasallegedly settled foraround {$330.00}. The entire outstanding balance was a little more than {$800.00}. I did NOT give authorization for a settlement. I want to pay the full balance and have my credit reflected as paid in full with a positive report to the CRAs.

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 2015-12-03
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
I full paid the balance over {$10000.00} to Lowe's/Synchrony Bank last year to close the credit card account. That was the condition to get equity loan from Embrace Home-loan. 
The Lowe's/Synchrony Bank has never mailed the next month statement, and the following statement shows the account is open and there is {$35.00} interest from XXXX balance. 
I had called for the complaint, and the bank said they will review. However, the bank keeps ask me about paying {$35.00} for settlement. Now XXXX XXXX asks me about {$790.00} for settlement, otherwise the company will lawsuit for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In response to my complaint Case number : XXXX Chase stated they would agreed to order a new appraisal on XX/XX/2017. I have followed up with them several times and they keep giving me the run around and no appraisal has been ordered and the file continues to be at a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Chase is reporting an account to my credit report that does not belong to me. Originally there were XXXX of these accounts, but Chase correctly removed XXXX of them. However, the XXXX account is still being reported on my XXXX credit report with a negative payment status and history. These accounts were my wife 's accounts and I was only an authorized user, a fact that is clearly verified by the information reported on my report. Since the account has a negative status and I had no payment responsibility for it, the account should no longer be reported on my report. I have disputed all XXXX accounts both with the credit reporting agencies and with Chase directly and, in fact, all XXXX of the accounts, were removed from my XXXX and XXXX reports. XXXX of the XXXX were also removed from XXXX, but XXXX continues to be reported. Although it is possible that XXXX could be at fault for refusing to remove the account, Chase bears ultimate responsibility for the information they report to my credit report, so I request that the CFPB instruct Chase to correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a Chase Sapphire preferred card around XX/XX/XXXX at the XXXX XXXX XXXX XXXX branch office in XXXX, Florida. I was told I would receive my card within 2 - 3 days. After a week I called Chase credit card and I was told my credit application has been rejected. The reason provided was too many inquiries although I had only XXXX inquiries including this application. I wrote to the branch manager on XXXX XXXX but did n't receive any response. On XXXX XXXX, I received a solicitation from Chase although nothing has changed in my situation. I am thinking there was arbitrary action by Chase when it rejected my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
An amazon J.P. Morgan credit card was opened without my authorization and charged for my amazon prime membership. After speaking with J.P. Morgan two months ago, the account was closed an investigator was assigned, XXXX XXXX, ( XXXX ext. XXXX ) who sent me a letter saying that the account was closed and I was not at fault. I had been told that the payments I made to the account to clear the balance and not negatively affect my credit plus the interest ( {$100.00} dollars and change ) would be given back to my bank account. The entire process has taken over two months and I have still not been able when calling to get in contact with someone who can refund the money to my account in the way I was told in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: John C. Heath, Attorney at Law, PLLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recieved numerious call back to back. I recievd serveral calls with in an hour time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: LA
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:
There is information on my EXPERIAN consumer report that is violation of 603 15 U.S.C. 1681a ( 2 ) ( i ). PLEASE SEE ATTACHED.

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 2016-10-13
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
EVERBANK IS WRONGFULLY REPORTING A 30 DAY LATE TO MY CREDIT REPORT. In may we have called in to provide our banking info for Everbank to process the payment. However, that information was inputed INCORRRECTLY BY YOUR REPRESENTATIVE ... which has cause a 30 day late negative reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
File an complaint on my hsn account number XXXX my credit card been cutoff since year of 2001 my credit card been forergy bye some one vandalize my home while credit card was in my home & purchase some items off my credit card charging me for the items been purchase.

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 2021-01-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Lost my debit card Also need to make @ least 2 internal transfers and been on the phone over 30 min & no closer to anything being accomplished Pretty sure I even missed a call from the police while they were XXXX around

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 2015-12-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with Chase bank. I deposited a check, Chase claimed the check came back NSF, therefore did not credit me the funds and charged me a return check fee. The check was given to me by a family member so I validated whether this was accurate or not, upon speaking to my family member I was told she was sure the funds were there before the check was written and were still there at this point. I told her to call her bank, she did and informed me her bank said they never received the check. I called Chase and the agent kept claiming that per their records the check was NSF and returned, it is worth noting the agent had a bad attitude and was rude. I wound up 3 way calling the bank ( XXXX, so technically not a bank ) and had the agent at XXXX XXXX inform the agent from Chase that they never received the check. The agent from Chase apologized and reversed the returned check fee. While this is an appropriate reaction, I want to know why I deposited a check, Chase bank did not present the check to the maker 's bank and then claimed they did and it came back NSF, when had they presented the check it would have cleared because the funds where there ( I even saw this evidenced ). As an XXXX I can say this is a very serious operational failure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Balance transfer

Complaint:
I opened a Slate credit card with Chase and submitted a request for XXXX balance transfers to consolidate all of my credit card debt to my Chase Slate card. Of the XXXX cards with balances, only XXXX of the balances was cleared by Chase. The other XXXX ( XXXX and XXXX ) still show a balance on my accounts. I am now being charged interest and late fees because Chase posted my balance and indicated they had cleared the balance from the other accounts, though they had not. Chase is now telling me I have no recourse but to wait 30 days for them to " complete an investigation ''. In the meantime I am racking up interest charges I am not sure I will get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On my account with Chase Bank, they can only hit your account with XXXX NSF Charges on any given day. Chase has started to split this up and just process additional charges days after the charge has hit the account, and after direct deposits have been posted. Case in point, on XXXX they hit me with XXXX NSF Charges, my direct deposit was deposited on the XXXX, they come back and hit me with XXXX additional NSF charges on XXXX. Also in XXXX, they processed XXXX on XXXX XXXX, direct deposit on the last day of the month, so they come back on XXXX and charge me XXXX more on XXXX, XXXX on XXXX and XXXX on XXXX. I do n't think this is why they have a limit of XXXX NSF charges a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Northern Alliance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection agency, repeatedly calls my husbands number and sons number. To inquire about me after being told repeatedly to stop calling. They call from a ( XXXX ) XXXX and say to call another number which is XXXX ( XXXX ) XXXX. To resolve this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did n't have any knowledge ( That i can recall ) that XXXX sent a debt to a collection agency. I currently have service with XXXX/XXXX and have had this service for over a year. I called the collection agency because they are reporting it as paid but it is still hurting my credit. They said that they cant remove it. I called XXXX and the first attempt they stated that they had no acknowledgement of it and I even spoke with some in their risk management dept. This was back in XXXX. They told me to call the collection agency to get it removed and they stated that they could n't. I told them that I never paid the Collection agency anything and that I restored my services with XXXX so everything was paid. So recently I tried again to contact XXXX to see if they can report or send notice to the collection agency to remove it since I currently have service with them and was n't aware of them sending something to the Collection agency. They escalated the ticket and I received a phone call stating that even thought I am a " valued customer '' and that it is paid that they wont send them a noticed since it was once put in a bad debt status.

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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2016-01-26
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
About a year ago and a half i surrended voluntarily a car to First Bank of Puerto Rico inability to pay because I was in a lawsuit contesting paternity of a child under age XXXX it was discovered that was not my legal son and I had very many legal expenses, after having delivered the car to First Bank they sent me a letter charging me {$4.00} dollars because they sold the car at auction and what lost me were charging. 

A year and three months later the FB entered my checking account and they seized {$1.00} dollars without my autorization authorizing themselves without notifying me anything. At the time I thought it was fraud and when I went to the bank said it was time to hand over the car and that 's why they themselves appropriated money. 

First I have never authorized anyone to retire money from my account and there is also no statement yet against me where it is ordered seize money from my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Receivables Performance Management, LLC
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I did not know the category to select, but this seems to be the best fit. I do not owe anything and I constantly get calls from XXXX XXXX XXXX XXXX. They do n't want to tell me the company name and thick accept that it is difficult to understand what they are saying. The call very often. They are very persistent. If you call back they know who is calling ( your name ). 
I think I controlled the situation by calling them back multiple times back to back. XXXX reports this number as a fraudulent collection agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
I had applied for Target credit card. I had a hard credit hit on my credit report, but I received a mail from Target saying that ' they had to stop processing my application because they could n't verify my identity '. This is not acceptable as they could pull my credit report and not able to verify my identity. This happened twice. I had XXXX hard credit inquiries and no positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity stolen in year 2017. Opened a XXXX XXXX card in my name. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Tebo Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Previous Case Number XXXX I was told in the above mentioned case in XX/XX/2016 that this information would be deleted from my credit files and it remains. I have contacted XXXX with the AUD number and they still tell me there was never a request made to delete.

Company response to consumer: Closed with non-monetary relief