BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an unsolicited request via XXXX to apply for a Chase Visa partner card from XXXX. I applied and they rejected me. I have with a near perfect FICO of XXXX, one single loan ( my car ), and no balances due on credit cards. 
In short, for no good reason that I can see, other than my age ( XXXX ), I  was rejected despite a near perfect credit history. 
I am an XXXX  and my wife is a XXXX, I'd have thought you would want my business. 
Why not just say Seniors need not apply. Oh, that's illegal. 
YOU ( XXXX ) have wasted my time over a scam operation and I do not appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against both XXXXXXXX XXXX and Freedom Mortgage- for double fees on payoff quotes, and for higher interest charges resulting in my mortgage transfer. 

XXXX XXXX- I listed my home for sale, and it went pending on XX/XX/XXXX XXXX XXXX - Pending XX/XX/XXXX - Roundpoint announces transfer of my mortgage to XXXX while I was pending. They immediately cancel my recurring payments, resulting in higher interest charges to Freedom mortgage. They also do not include new account number at XXXX in announcement, resulting in higher interest rate accruals as I struggled to learn the new account number and pay my mortgage. 

XX/XX/XXXX - XXXX quote requested from XXXX, but was ignored. {$30.00} fee assessed and shows in transaction at Freedom mortgage. 

XX/XX/XXXX - Welcome letter from XXXX, finally with new account number, 6 days after payment due date. Damage was additional daily interest accrual on my payment amount, previously automatically set but cancelled with XXXX. 

XX/XX/XXXX - Payoff quote requested from XXXX, another {$30.00} fee assessed XX/XX/XXXX - close of escrow. Both {$30.00} fees for payoff quotes show up on XXXX ledger and Freedom refuses to refund the duplicate {$30.00} charge.

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 2022-04-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS violated my rights.

15 USCsection 602a states i have the right to privacy & 15USC 1681 Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Campus Partners handles a loan I made thru XXXX University. I thought the loan was paid in full because I was making payments for several months without any getting any statements. 

Yesterday, XXXX/XXXX/17, I ran a credit report and discovered there is about a {$500.00} balance. I went to the Campus Partners ' website and it showed I have been sent to collections and that my mailing address is invalid. I called Campus Partners today, XXXX/XXXX/17, to try to get this cleared up and resume payments. I spoke with XXXX. Campus Partners refused to give me any information and said I have been sent to collections. They stated my address is invalid. They gave me a phone number to call and would not provide any assistance or any any questions. They also said I need to go to the post office to fix my address issue. 

I have received nothing in writing, no email, no phone call or any information about the status of my loan or the current balance. I have been at my home for over 13 years, no contact information has changed. I have had the same email and phone number and address. I went to Campus Partners website after I called them today to confirm again and the notice of the invalid address is now gone, and I still can not get any information. 

I have had no other difficulty receiving information from other companies and have excellent credit and have never been late on any payments. 

I have not received any notice of a current balance ; No notice that my payments were behind ; No notice that I have been sent to a collections agency, or a validation statement from this collection agency. Campus Partners could not tell me the last time they even sent me a statement. I was told my only recourse was to write a letter to a XXXX and again to go to the post office. I told Campus Partners I was going to report them. 

The actions of campus partners is unlawful under the Fair Debt Collections Act and wrong. I have screen shots of my address showing as invalid yesterday and now today ok after calling ; showing they went and changed my account information. If my address is invalid why are they changing the status on my account after I called. I also have a stack of statements from Campus Partners to my address, showing that I can receive information from them in the mail. I have also included a screen shot on my payment history from XXXX. 

I want to continue to make payments on my student loan. I want my credit cleared and I want to prevent this from happening to other people. I have n't moved, avoided payments or done anything wrong. I should n't have to pay late fees or have my credit rating impacted my their poor practices. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased an air ticket on XX/XX/2022 with card ending in XXXX. I made the purchase on the U.S web site of XXXX XXXX through their U.S office. From start to end XXXX XXXX showed me the price of the ticket in USD only. There was no mention anywhere during the selection and booking process regarding the payment being in any other currency than USD. 

Which is why you can imagine my unpleasant surprise when I saw on my credit card statement a charge of {$18.00} from Bank of America. 

It is a small amount of money, however, I am making this complaint out of principal. There was never any warning nor head 's up regarding making a foreign purchase on the XXXX XXXX web site. XXXX XXXX has offices in the U.S AND I made the purchase via XXXX XXXX XXXX XXXX web site. I should NOT be charged a foreign transaction fee. 

Bank of America should refund this fee as a one-time courtesy. Customers should not receive a foreign transaction fee without any kind of notice what-so-ever about it. Again, the price was shown to me in U.S dollars only from beginning to end. Is this even a legal practice to show a customer a price in USD only and then charge a foreign transaction fee?

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 2015-03-30
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 resulted from identity theft

Complaint:
I 've been having harassing calls from XXXX management companies for months. My insurance company informed me to file a formal report with them because this was a known scam to them. These calls have persisted and they have some how gotten more and more person medical information about me and even now know where I live. The calls went from just other states to right here in my home town. Some of these numbers pop up on google with some pretty scary web links. ( I never open them ) My problem started after I started rejected there calls and after telling them I had reported them. Insurance company told me to tell them this. I then started getting calls from RPM, Receivables Management Performance. At XXXX I thought it was the same scam XXXX from before so I did n't answer. They started leaving numerous messages stated they were RPM a debt collecting company trying to collect a debt. Knowing that All my debt is paid off I immediately went to check my credit score. There it shows I XXXXwireless XXXX. How ever the phone account is n't in my name. Never has been. Nor under my social. So I found this very odd. It then said the original company charged me in XXXX XX/XX/2014 for the XXXX but never received. So I went to our phone statements knowing were not behind looking for this charge. XXXX never charged XXXX for any services additional to our normal bill. Payment history shows every payment has been made on time. I also never received calls from XXXX. I have tried answering the calls from RPM. They either announce who they are and then hang up, Hang up the XXXX I answer, or speak some other language real quick then hang up. Either way they never actually try to collect nor let me dispute the charges. They call every day between XXXX times. Different numbers. This is the absolute only debt I have showing on my credit and like I said before XXXX is not my account. I 've never had any wireless company account in my name. I looked this company up. There are many complaints about RPM. Hang ups, harassing calls, fraudulent charges for items people have never had. Even filed through the BBB people have these complaints and yet they still receive a XXXX star rating. Im not sure how these people are allowed to be in business. I would like this inaccurate debit removed and investigated so hopefully they do n't try again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly tried contacting and disputing XXXX collection which were placed against me which are not valid. Items # XXXX and # XXXX need to be deleted from my credit reports. On XXXX/XXXX/15 I sent a complaint and a dispute to Collection Consultants of California regarding XXXX previously invalid collections placed against me. They continued to leave machine recorded messages and text messages on my cellular phone regarding this debt that i supposedly owe them and I have had enough of their unlawful tactics. I have not even received the required partial response within 15 days after my initial CFPB complaint adjacent them. These items, which I have disputed since XX/XX/XXXX with them and the bureaus are still reporting on my credit files and that is not legal. They are ignoring my disputes and have not sent or validated the debts nor have they responded to my requests to stop communicating with me. I have waited for any verifications through the credit reporting bureaus and have received nothing. I have no idea why these XXXX accounts are on my credit report as these bills were paid in full through a lawsuit/ judgment against a limosouine company years ago. I have no part in this debt nor is this debt, which they continue to ignore and blindly verify, legal. They use abusive and frequent tactics to harass me and that is senseless, as I do not owe these XXXX debts. They have failed to verify or process my dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX filed on XX/XX/2013 # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-10-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at XXXX Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. XXXX Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at TD Bank. XXXX confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted TD Bank, upon XXXX Bank 's insistence. but TD Bank is saying to contact XXXX Bank. Neither wants to take responsibility for verifying the payee. TD Bank refuses to give any information to me and says XXXX Bank should contact them so both banks could resolve the issue. XXXX Bank refuses to handle the matter.. Attached is a copy of the XXXX check, and a copy of the audio recording made with TD Bank who says XXXX Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- TD BANK AND XXXX BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: AMERICAN EXPRESS COMPANY
State: GA
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 purchased a product from XXXX XXXX XXXX, it was one of their specials during their fund-raising season. XXXX XXXX XXXX XXXX XXXX XXXX program, should have been booklets, DVDs, etc. Was charged {$240.00} by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX UNITED STATES OF AMERICA ( THE ) XXXX Additional Information : XXXX Reference : XXXX Category : Merchandise & Supplies - Internet Purchase After waiting a while without receiving the kit, I called XXXX XXXX XXXX and asked about it. They said those had been delayed but be patient. Assured me we would eventually get the products ordered. So I was patient. Still did n't get anything, so finally in XX/XX/XXXX I called back and they said the same thing. Today XX/XX/XXXX I tried to dispute the charge with American Express,  and they informed me that they could n't do that as I was beyond the 60-day dispute limitation. So -- first, XXXX XXXX XXXX took {$240.00} from me and then encouraged me to be patient. I was. Second, American Express claimed they could not help me since it was beyond the 60-day limit for disputes. Catch-22!!!!! Please help me resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Genesis Lending
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello! I am a " graduate '' of XXXX ( XXXX location ). I graduated in XX/XX/2010. The school was XXXX of the worst experiences of my life. It started on my first day, during orientation, found a forged signature on a document that I 'd never seen. I had my life threatened multiple times, teaches threatening to not let me graduate due to a little facial hair stubble, among many other things .... its hard to explain how terrible this place was. Lies everywhere about post-school work, pay, and life. The school is now gone, closed, and was a pointless +- {$32000.00}. I graduated with a little piece of paper and a huge debt. XXXX colleges has gone away, and so has any credibility of me going to XXXX. I 've paid all but about {$5000.00} of my school loans. There have been multiple reports on loan forgiveness and loan reimbursement. The non-federal loans are paid off due to the 18+ % interest. The {$5000.00} left is for the federal loans. I 've never missed a payment, and have tried VERY hard to make ends meet with this debt. The private loan company is Genesis Lending and they told me to contact you. Their loan amount was around {$13000.00}. I need some help here, XXXX Colleges fraud has null and voided any meaning of me going to XXXX. The school/my " training '' is just a big joke to employers now. Thanks for reading this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Yes! what I want to start out with is in XXXX of this year XXXX the bank that I am with right now did not get a cancellation of an item that was canceled by XXXX with the cancellation there should have been a return I called them they say that they did do a refund Like I said again I did not myself cancel the item this did arrive a separate item it was a XXXX XXXX  that was ordered separate it did arrive this was part of the offer but the XXXX XXXX XXXX did not, the money was in the bank to cover this I know my Attorney 's know about this and if good could uncover the exact and approximentely the dates and amounts that you could see this.The approximent figure of money that was lost {$850.00} XXXX XXXX XXXX  XX/XX/2022 And there is a thing that going on this month in XXXX XXXX 2022 this bank want to say there is a reversal on a XXXX XXXXXXXX payment Phone that set for XXXXXXXX XXXX  days the money that they took this month was {$79.00} this is false and was a showing transaction to be good and they go in and reverse it when I am over in my checking account I know + {$1.00} Yes! I wouldn't lie. The total amount that this bank owes me {$930.00}, I reported this quite a few times through FTC XXXX XXXXXXXX finally run across this that has been missing in y'alls website here the cfpb the Bureau maybe you guys can get something done about reimbursement of this {$930.00} my Attorneys are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ( XXXX ) XXXX alt. ( XXXX ) XXXX at this time that's all that I have to report Thank You!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RUSHMORE LOAN MANAGEMENT SERVICES IS A THIRD PARTY DEBT COLLECTOR. I Have sent them several notices asking them to cease contacting me regarding this debt. They became the servicer while, I was trying to remodify the mortgage. The Old servicer transferred assignment to them which cause the process to start all over again. When were not behind on the mortgage, but the old servicer would not accept payment while the remodification was in process. 1 year went by and they transferred the assignment to Rushmore Loan management Services LLC. Rushmore Fraudulently referred this Mortgage to XXXX XXXX XXXX XXXX XXXX to commence Foreclosure proceedings. Rushmore Claims XXXX is the note holder. XXXX has not responded to any notices, only XXXX has responded my concerns that were addressed to XXXX claiming that I do not have an account with them. See attachments for details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation