BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Issue: Payoff process

Complaint:
while doing a debt settlement with XXXX, we settled several Chase cards, there were XXXX left and XXXX tried to contact and settle, with no notice to myself or XXXX XXXX, Chase did a charge off. Same with XXXX, XXXX tried to settle with them as well. Chase and XXXX did not give notice of charge off. If they sent notice, I did not get it but I sure got from chase and XXXX the XXXX showing a charge off and I had to add the balance as income, had to add to my taxes. I feel because we tried to settle, they should not show on my credit score as owing monies because I had to claim as income and pay taxes. I even tried to call them and stayed on the phone for XXXX hr, never got a call back. When checking my credit, you can see where chase settled several accounts. I feel that since they settled other accounts they should not have charged anything off. I feel like I am now a victim because they did not want to work with us, not even a call back to XXXX. XXXX has been great and they too were not happy with their professionalism. I can only wonder who else has gone thru this with Chase and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I KNOW NO COMPANY OF XXXX XXXX, I NEVER LIVED IN XXXX AS LISTED AS AN ADDRESS ON MY CREDIT REPORT, I AM A VICTIM OF ID THEFT AND XXXX CREDIT CARD WAS DUPLICATED IN XXXX, XXXX, THEN TO XXXX XXXX, I FILED A REPORT WITH MY LOCAL POLICE DEPART, THE FEDERL TRADE COMMISSION, XXXX, A ID THEFT AFFIDAVIT ... THERE ARE MANY THINGS ON MY CREDIT REPORT THAT WERE COMPROMISED OR DO NOT BELONG TO ME AS MY RESPONSIBILITY ... .SOMEONE HAS MY SS # AND HAS TRIED ONLINE TO OBTAIN CREDIT CARDS I ALREADT POSESS, I HAVE SAVE ALL DENIED LETTERS FROM MERCHANTS AS I ALREADY POSESS THESE CARDS THAT 'S THE REASON FOR ALL THESES BOGUS INQUIRIES PRIOR TO MY FREEZING ALL AGENCIES ... FEEL FREE TO CALL ME @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: SC
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: CA
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:
This is my third complaint about XXXX, Experian, and XXXX for not meeting Metro 2 Compliance or E- Oscar Protocol when verifying collections on my credit report. The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau because the date opened is inaccurate and the date last active is inaccurate. And some of the collections account are the same account under to different names. Some of the collections accounts are still receiving payments beyond the last date of activity. 
1. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the date last active is inaccurate across 3 all credit bureau. On the XXXX  report the last date active has been reaged. These inaccuracies grounds for removal from my credit report. 
2. XXXX Acc # XXXX. The account type is inaccurate, the account status is inaccurate, the date opened is inaccurate, the date lasted reported is inaccurate and the last date active is inaccurate across all 3 credit bureau. These inaccuracies grounds for removal from my credit report. 
3. XXXXXXXX XXXX XXXX  Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. On the Experian report the date last active has been reaged and this account is also being reported under XXXX Acc # XXXX. These inaccuracies are grounds for removal from my credit report. 
4. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the credit limit is inaccurate, and the date last active is inaccurate. These inaccuracies are grounds for removal from my credit report. These inaccuracies violate my rights under 15 U.S.C 1681 Section 602 A. States I have a right to privacy, under 15 U.S.C 1681 Section 604 A, Section 2. The consumer reporting agency can not furnished a account without my written instructions. 
I am factual disputing the accuracy of all these accounts.

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 2022-01-22
Company: DISCOVER BANK
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). DISCOVER is a inaccurate account on my credit file and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Accounts Research, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I chose that they contacted my employer but that 's not even the main issue I have. My complaints are with accounts research on XXXX XXXX XXXX XXXX XXXX tn. I spoke with XXXX. He has contacted me about debt collection of a {$480.00} bill. With how busy I have been being in and out of the hospital, taking care of my toddler, moving, etc. I was just now getting back with them today. They called my husbands place of employment. Which we definitely never gave them permission to do but I still called them back because I realized I needed to make a payment on the account. So I called this morning and offered to make a {$50.00} payment today and start up a payment plan and they refused my payment. I was told that I either had to pay half today then half in thirty days or pay all today. Otherwise it would be turned over to court. So distraught I got off the phone while I was trying to figure out my options. I literally do n't have the amount of money they requested. So I was scared of what was going to happen. I called the doctors office that the bill was originally with and tried to find out if they could get the bill back so I could start a payment plan with them. They told me they had signed a contractSaying that they could n't do that so I called XXXX this afternoon and this time I recorded the phone call. Not only did they not verify my identity, he basically called me a liar about speaking to the Drs office, he called me irreasonble because I could n't pay the amount that he is requiring, and refused payment once again. He also ended the conversation by stating that he was n't willing to work with me. Now I understand that I owe a debt and that the debt has went on longer than it should have but now that I 'm able to start paying a little on it at a time I should n't be told no. I definitely should n't have to deal with someone that wo n't even consider working with me. Life happens and sometimes you do n't have {$500.00} spare to spend out but since I was trying to take care of it a little at a time I believe this situation should have been handled a whole lot differently. Once again I did record the final phone call that I can email to someone if they need proof of this interaction. I thank you so much for taking my complaint into consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I 'm writing this complaint regarding my Membership Rewards Program from XXXX XXXX. I applied XXXX XXXX XXXX card last XXXX and keep doing normal spending on it. When applying the card it shows spend {$3000.00} and receive XXXX Membership Rewards points. I spent {$2800.00} on my XXXX. Statement and {$4900.00} on my XXXX. Statement which was far exceeded {$3000.00} spend requirement. So when I trying to transfer XXXX points from my Membership Rewards account ( Which I have XXXX Reward points in my account ) to my XXXX account it noticed me I ca n't do that because my spending is under their review to make sure all my spending are eligible. I definitely ca n't accept that so I contacted them via online chat, email and phone but they ca n't provide a workable solution. Since I need the points ASAP I have to file a complaint here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: TCF NATIONAL BANK
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Paid off an Installment Loan for a Boat with TCF on XX/XX/2020, at TCF Bank, XXXX - XXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, and received a receipt for this payoff with the accounts ending 4 digits of the account. This loan was formally through Chemical Bank which was absorbed by TCF Bank of recent. TCF is a very difficult bank to get through to, long waits and it is difficult to get to the right person when attempting to make contact with them. Even the bank personnel complain of the same issues of waiting up to one ( 1 ) hour online. I am now receiving Statements saying I have monthly payments due aloing with late fees/assessments stating that I have missed a payment ( s ). Along with receiving statements from TCF, I am also receiving Late Fee Notices from their collections  department. They do not know where my payment went to? When attempting to call I get different answers from different people, but no real solution to the problem. I would like my payment in full made to the bank recognized by the Bank. My concern is this matter will unnecessarily be reported to a credit bureau and then I will have to waste my time to unravel that as well and I don't want I or my wifes excellent credit to be placed in jepordy. We should not be receiving continual Statements or notices from TCF Bank. What I am looking for TCF to do is to properly credit this loan account with the monies provided to  them on XX/XX/2020, provide me with a letter stating this loan has been paid in full as of XX/XX/2020, provide a written apology advising me of the bank 's error and ensuring me that nothing will mistakenly be passed on to or recorded with any or all credit bureaus or agencies causing any detrimental harm in any way against our excellent credit and providing me with a full release/payoff document that can be recorded with the title of this vessel so the same can be filed and revised on the title of the vessel with the State of MI, Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00}

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 2022-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2016-04-06
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I obtained my loan in XXXX when I had enough equity in my California home to pay the $ XXXX cost of the XXXX 's program upon graduation. In XX/XX/XXXX the housing market crashed, esp in California and my home was well upside down. No more equity. And not my fault, or rather completely out of my control. And finally, no more home since I had to leave the state for continued employment. Now XXXX/Navient wants me to pay on a loan that 's edging closer to $ XXXX due to interest since XX/XX/XXXX. I simply can not afford it so I keep forbearing and I do n't have much of it left. Is n't there any help for those who lost so much money in the housing crash? Lost everything???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been denied credit several times. I received my credit report from the 3 credit  reporting agencies nothing negative on any report. I contacted XXXX XXXX they said TransUnion gave me a bad credit score. I contacted TransUnion by phone told to have XXXX XXXX call them. I wrote to TransUnion and XXXX XXXX several times. I only receive a copy of my credit report each time from Trans Union I also sent a copy of my credit score XXXX from credit wise. 
Know one will give me a reason why I can not get 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 2015-04-29
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX, I opened an account with PNC Bank. The account included benefits such reimbursement for using non-PNC ATMs, reimbursement of foreign exchange fees, as well as others. In the last year or so, branch staff told me that their accounts had changed but that I was " XXXX of the lucky ones '' and that my account and subsequent benefits were " grandfathered in. '' I was told this by staff at XXXX separate PNC locations, and even have an email dated XXXX/XXXX/XXXX from a branch representative claiming this was the case. I recently returned from a trip abroad and was rudely surprised to realize I had been charged foreign exchange fees AND ATM fees which were not reimbursed even after well over a month. I began to look at my account very closely and realized that in XXXX XXXX I had other non-reimbursed fees. I inquired about this at the bank, and they said they must have been wrong but that their was nothing they could do. They sent the matter to their " escalation '' team who also said there was nothing they could do. I did not receive any direct communication from PNC by email or mailed letter alerting me to any significant benefit changes on my account. Had I been told I no longer had the benefits I believed I had, I would have IMMEDIATELY switched into the account that I now currently have which I 'm told ( though now I find hard to believe ) comes with up to {$10.00} in ATM fee reimbursements monthly as well as free certified checks, checkbooks, and an increased percent cash back for credit card purchases. I have consistently kept thousands of dollars with PNC and would have easily qualified for this account previously ... had anyone alerted me to the fact that I no longer had my old benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not only was this medical bill posted to the 3 credit bureaus without first trying to contact me which is a violation of the fair credit reporting act, but I was never even informed of its existence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX* Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
For years, I've had this card and paid its annual fee ( $ XXXX ). This fee included access to a worldwide network of Diners Club airport lounges. The past few times I've tried to access the lounge, the lounge turns me away saying that the benefit is no longer valid. 

If this benefit has been removed, BMO should refund me the annual fee ( {$95.00} ) plus the additional card fee. The only reason I have this card is for the airport lounge benefit. I've received no written communication of any policy/benefit change. This is the bank 's current advertisement for the card benefits : https : 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