BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hi this complaint is regarding my Macys credit card. I made a phone call ref # XXXX the day before a 12month furniture purchase promotion expires to either # 1 request an extension for more time on the promotion # 2 Pay off my due balance on the furniture so I don't get charge an interest on my account. After my inquiry I was offer an additional 6 months of promotion to pay off my balance. At that time I made a XXXX payment ref # XXXX to start paying off my balance to pay off in 6 months as agreed. the representative explained it might take up to 72 hours I let a few weeks go by to check back on my account to my surprise I had been charged the full amount of interest of XXXX and nothing had been done to my account. I called them right away on XX/XX/XXXX, after 50 minutes of speaking with different reps. I spoke with a supervisor named XXXX ID # XXXX who once again confirmed that my 6 months were approved and the charge of XXXX was charged by mistake and would now be given a credit on my account that can be applied to that interest charge of XXXX and to allow again 72 hours before resolved. Today is XX/XX/XXXX I called again being put through three different people, I was told that in fact the fist rep had made a mistake and asked for additional 18 months instead of 6 and the request was denied, this person who apparently is the head of the credit service department said he will correctly submit for 6 months, he made no promises or guaranteed that this will be resolved. I am very disappointed and feel as though Macys made false promises that made my credit score go down a few points because of credit increase, so # 1 it affected my credit score and # 2 it will now affect my finances since I am stock with a XXXX bill that wasn't supposed to happen.

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 2023-06-16
Company: JPMORGAN CHASE & CO.
State: CA
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:
I called and spoke with a representative on a recorded line for my XXXX credit card ending in XXXX. The representative lied to me about the terms of the promotion and timing of receiving certain benefits. I messaged with Chase for the past two months. I requested a refund of the {$100.00} annual fee because of the misrepresentations made to me when I signed up. I spoke with multiple reps and secure messages and Chase ignored my requests and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Nelnet, 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'm not sure if this is the lender 's fault or XXXX XXXX, but between XXXX XX/XX/15 Dept. of ED / NelNet account was removed, then My balance increased. This has always been an open account and it's been paused do the pandemic. All I know is it caused me XXXX points on my credit report. I want my score fixed, I've been working too hard to rebuild my credit and all of sudden someone made a mistake and caused me XXXX. That's not fair nor right, there should have never been an adjustment made. Should have never touched the account. Also I've tried calling NelNet and it keeps ringing. I can't get ahold of no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX : I received three phone calls from family members and old boyfriend stating that a company was calling to deliver a message to XXXX XXXX ( my maiden name ). After the last call I then received a call from XXXX XXXX stating they were calling me to give me a phone phone number I needed to call immediately XXXX. I called the number and was informed that I was going to be served and sued for a XXXX debt of XXXX  dollars. I explained that this debt was one I was unfamiliar with and was XXXX XXXX XXXX. I explained that I was currently under bankruptcy and said debt was never sent to my home or via email. She told me there was nothing else I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I got a phone on payment plan and returned the phone. I closed the account. but this still shows up on my report. I didn't know of this amount owed until I saw it on my report and in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: JPMORGAN CHASE & CO.
State: IL
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 am sending this complaint in regard to the following, account JCPMB Card. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
This is now the 3rd complaint Im filing. Wells Fargo closed my account after someone FRAUDULENTLY deposited a check into my account which was made out to I assume themselves or a fake name. The check bounced and Wells Fargo closed my account and now is holding me accountable for the money that was FRAUDULENTLY deposited and then FRAUDULENTLY withdrawn from my account. How am I expected to pay back money I never touched or had knowledge of?

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 2023-06-17
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase Bank failed to provide a credit that is just and due mu acccount. 

I filed a claim for XXXX XXXX Leather as they charged my account in three amounts : XX/XX/XXXX {$59.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$380.00} I canceled the order immediately as merchandise was unavailable. There is no phone number to contact this merchant. They give a phone number XXXX but it is unreachable as reported by hundreds of complaints online. 

A box shipped and was refused through the shipper with Fed XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I located extensive information online about the horrors of this company and how they steal person 's funds by failing to credit accounts. 

I took a complete file into a Chase branch and they emailed it to the Chase Claims Department to credit my account. Chase Claims refused to credit my account with extensive evidence to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase has mishandled this case. They allowed XXXX to take XXXX out of my debit card and have failed to reverse it to my account. A complaint was filed with Chase but Chase failed again to properly credit my account. I had XXXX enter my computer remotely to repair XXXX XXXX. The tech claimed he had to remove it and replace it to fix the problem. He removed it and left the computer and never returned. I was left stranded without the word program during the midst of my workday. I emailed repeatedly to XXXX and they even used the tech 's name but then failed to respond to the emails. I then was directed to the XXXX store and began a chat explaining the problem. The Chat directed me to download a particular office program and I had to enter my card but they promised XXXX would credit it. 

They charged approximately {$75.00}, {$8.00}. and {$100.00} to the debit card. Chase then credited the charges and then reapplied just the charge for {$100.00}. .Chase gave me numbers for microsoft and I had already tried those same phone numbers and they have not worked for the past three months. 

There is no means of getting a live person at XXXX to credit my account. I have written multiple emails to which they fail to respond. This is the ressponsibility of chase to credit my account. chase tried to get out of it and continuously directs me to XXXX. 

It is time Chase began to assist their account holders and provide them just credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Deutsche Bank
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX XXXX XXXX XXXX. and its correspondent Deutsche Bank US failed to properly process and refund a wire for over XXXX XXXX XXXXhat was sent by my attorney from his trust account. First they improperly coded the wire indicating it was a conditional sales contract then delayed in amending the wire. This wire was initiated on XX/XX/2023 and was credited back to Deutsche Bank NA on XX/XX/2023 but still has not been returned to my attorneys trust account XXXX XXXX. I have no money and I urgently need this money for food and emergency medical care but XXXX XXXX XXXX and Deutsche Bank US fail and refuse to credit the money back to my attorney so he can resend it. In addition to stealing my money and improperly handling they have caused me unnecesary attorneys fees of XXXX XXXX I am asking that these institutions refund the money immediately and reimburse me XXXX XXXX for totally unnecessary fees and cost

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Continental Services Group, Inc. d/b/a ConServe
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 status incorrect

Complaint:
I have contacted conserve they are still showing as a delinquent account on all XXXX of my credit reports these have been closed for 2 years now and they still show as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I already have a complaint filed. The company, Penny Mac, specifically their VP called me on Tuesday, XX/XX/XXXX at roughly XXXX est, his name is XXXX XXXX. He indicated he knew about the complaint and blew it off and said, " we get these all the time ''. He also asked me not to file complaints with the CFPB and to only talk to him. I indicated I already tried that for 5 months and can not find resolution and that I will continue to file complaints until they get this done. 

I do not believe they should be indicating that complaints are common and that they happen all the time, but he should not be asking me to not work with you. 

He tried on several occasions during the call to turn the blame on me where I had to correct him. 

I also indicated to him that because of the banks XXXX up, a new appraisal had to be done and this cheated me out of roughly {$100.00} per month due a different appraisal amount impacting the PMI. In addition, I have been paying the old rate for an additional two months I should not have been.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17
Company: Capio Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent a bill from collection agency never heard of on bill never seen nor ever contacted about medical bill from collection agency XXXX XXXX XXXX several other names Texas number I think but over XXXX yr old bill said I owed for over XXXX insurance didnt cover 2 dates in XX/XX/XXXX didnt recognize. I had copy dont know where its at right now but know it was not correct I had XXXX XXXXXXXX XXXX XXXX but never sent any bill was lied to last year told XXXX did work retired XXXX hes still practicting. I enquired because XXXX illegally denied me telehealth with primary XXXX yrs Florida had before coming up home Indiana said I would pay out of pocket denied then just stopped my dual health ins said didnt have proper medicaid designt for the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXXI had a problem obtaining credit and I checked my credit report and notice that i had XXXX debt collection accounts that wasn't mines, these XXXX accounts is the reason i keep getting denied Experian have no proof nor do they have on file my written consent for this to be reporting or thst this debt is associated with me. I will just like for the cfpb to resolve this fraud issue Accounts ; 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 2023-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2017 at Walmart. On walmart credit spent {$96.00} on prepaid phone at walmart and XXXX snacks. In XX/XX/2017 XXXX weeks later someone had charged {$790.00} on the walmart credit card without my permission. I called fraud line for walmart credit to synchrony bank to cancel card within a month. Called from library after my phone came up missing. Since then items that I have bought at walmart have came up missing also. Called synchrony four times to dispute charges..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: The CBE Group, 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:
XXXX XXXX XXXX XXXXXXXX XXXX is stating that I owe XXXX this information is false XXXX XXXX XXXX XXXX XXXX XXXX is staying that I owe XXXX this information is false XXXX XXXX XXXX is stating that I owed XXXX this information is false

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: JPMORGAN CHASE & CO.
State: IN
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:
I got a hard inquiries from XXXXXXXX XXXX XXXXXXXX and JPMCB Card Service which I believed I never transacted or consented and dropped my XXXX credit score to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in 2022 I think it was someone took money from my bank account without my permission or authorization by hacking into my XXXX account and i contacted XXXX and they told me to contact my bank which i did and the amount was almost XXXX dollars which is almost all the money I had and was saving for a special occasion... .I had the same issues before with XXXX and XXXX and changed my password so many times but this person kept getting in there some how ... ..it 's not my fault and should not be paying the price for this ... .whoever banks with this bank better watch out cause they are giving people permission to steal money from you and they do not care .... 
Oh and their way of handling my issues with these apps and having this happen is to close my account and end my relationship with them ....

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 2023-06-19
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a credit builder loan in XX/XX/2023. Terms include payments twice a month for {$48.00} plus {$19.00} a month for the account. I have made all payments on time. My last payment was due XX/XX/XXXX and it was paid as agreed. My next payment is due XX/XX/XXXX. Today is XX/XX/XXXX and my loan is shown as late. I contacted Moneylion and was told they will not report my account as current unless I make an additional payments outside of my terms even though one is not due and I have made all payments as agreed. 

They state because I tried to make additional payments to pay it sooner and their system was non working properly at the time, I will have to make more manual payments that are not in my terms or conditions as their system cant report it as current even if it is. 

In addition to these new payments inbetween the agreed payments that are currently directly withdrawn each month, I appear to be penalized for no reason due to platform errors that they will not or can not resolve. 

I already pay Membership fees in the Credit Builder Plus program that cost me {$19.00} per month. I had to pledge securities in their Credit Reserve Accounts as collateral for the loan and can not terminate the advisory agreements or withdraw funds in the Credit Reserve Account until the loan is paid off in full. I borrowed {$1000.00} but was only given {$400.00} and the rest is held still by them. Terms state I can pay off the loan in full early at any time without penalty and may use the funds in their Credit Reserve Account to do so, yet their platform has several isssues so payments and activity get stuck on the screen or frozen and then Im penalized despite having no control in it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CITIBANK, N.A.
State: TX
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 have evidence to support my dispute and the credit card company refuses to supply me their mailing address so they can reconsider my disputed charges. This is a viloation of my due process rights to obtain a fair resolution. This credit card company is also using an automated dispute filter which is flawed and I urge the CFPB to investigate their use of automation to handle dispute resolutions.

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 2023-06-19
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Over the past few days there has been violations of The Federal Equal Credit Opportunity Act which specifically prohibits a creditor from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding a contact ) because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

I have been contacted, harassed, intimidated, withheld my right to login into my Santander Account on http : //myaccount.santanderconsumerusa.com/ on Friday, XX/XX/2023, and then was called at XXXX XXXX. ( CT ) today, Sunday XX/XX/2023 while I was literally in Church. Worst of all, the intimidation, targeting, harassing phone calls etc. have actually happened after my phone call made XX/XX/2023, in which I mentioned my faith and that I had even prayed about the decision. Since that time I have been harassed multiple times and intimidated by Santander. Again, this is after I had mentioned my Faith and prayed about the decision XX/XX/2023 to Santander. 
This is in direct violation of The Federal Equal Credit Opportunity Act and is intentional and deliberate by Santander, Consumer Financial Protection Bureau. Please take authoritative, prosecutorial, and protective action immediately! I have rights.This is illegal, and it is predatory Consumer Financial Protection Bureau. I am afraid because I am a minority, and being bullied and exploited by my creditor because I mentioned my faith Consumer Financial Protection Bureau. I beg you to protect me and help; please.

Company response to consumer: Closed with explanation