BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
On XX/XX/XXXX I Payed XXXX to XXXX XXXX using my bank of America visa card.the payment was sent to XXXX via XXXX invoice.currently XXXX XXXX is under investigation by the fbi for credit card fraud.this was a group trip with XXXX XXXX XXXX XXXX .owned and operated by Mr. XXXX XXXX.our group booked with XXXX XXXX of XXXX XXXX. This trip was to hedo in XX/XX/XXXX.recently an email was shared by Mr. XXXX letting everyone know this trip was canceled back in XX/XX/XXXX for lack of payment.most of us paid in full.XXXX  does no longer answer text or messages phone number no longer connected.its been posted on social media she has shut her business down.both my bank and XXXX tell me I'm out of luck due to being past the time frame for 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 monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 have fraud XXXX and XXXX XXXX on my credit. Still Experian has let unauthorized access to my credit file. 

Incident Happened today XX/XX/2023. Just checked my file .... Since i did not pay for there subscription. They have removed the locked and fraud alert. 

I want to see what the CFPB and FTC will do

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 2023-05-09
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023, I have received a debt collection notice by XXXX mail saying I owe {$44.00} Now in the month of XX/XX/2023, I am receiving multiple phone calls from the company. I choose not to answer because I believe it's a scam. 

I've checked my credit reports and this company/debt isn't on my credit. I have nothing in collections or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-06-18
Company: JPMORGAN CHASE & CO.
State: TX
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:
I booked a flight using chase ultimate reward through chase travel agency at XX/XX/XXXX and canceled it one day later. The flight ticket transferred to XXXX XXXX XXXX under my account which is good for use within one year. At XX/XX/XXXX, I was trying to book a new reservation through chase reward travel agency again. After a long negotiation and waiting time ( around one hour ), they told me I have to complete the trip not book the trip by XX/XX/XXXX, which is totally different from what they told me before. Then I was transferred to XXXX XXXX, they helped me book the new travel, however, cost me XXXX bucks more because original travel was booked through chase and new one need to go through chase as well or I need to pay {$50.00} more. 
The professionalism of chase reward is poor, they told me different things at different time. And the response time of them is very long, the phone call I made to them yesterday took around 2 hours in total which is insane. The overall experience of using chase reward is too frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX of 2022 I noticed my XXXX score dropped which led be to investigate why. I pulled my credit report and i noticed an XXXX XXXX card used at macy 's under my name. I called macy 's and reported I have closed my account with them a few years back secondary to having problems not receiving a physical card after multiple attempts. They told me they will do an investigation and get back to me. In the mean time I reported the fraud to transunion. A few weeks passed and my XXXX  score was restored to it's normal score. I though the issue was resolved, however I received a latter from XXXX XXXX saying I owed them for the charges on the card. I called macys and reported the situation in which I was told I no longer owe them any money as the issue has been resolved and my case has been closed. A few weeks pass and now I receive another later from a city bank with Macy 's latter head stating I owe them XXXX the money I supposedly owed before and that I need to pay them, I explained the situation, however the person was rude and was not wanting to listen to what I had to say. I called back Macy 's again and this time I asked for a supervisor who stated there might be a foul play in which my information at Macys might have been compromised and they will do there own investigation and get back to me. In the mean time my XXXX  score has dropped again. At this time I feel that Macy 's do not have my best interest and they are borderline abusing me. My XXXX  score is important to me at time as I am in a process of getting qualified for a mortgage loan. Please help.

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 2019-07-30
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have requested many times not only verbally but in writing not to contact me at work and Navient continues to do so. Now not only are they calling random numbers here at the XXXX XXXX where I work they are telling people they are a debt collector and they need to speak with me. Now they are contacting family members that I never put down as a reference who have nothing to do with my finances. And this week I am getting messages from people that I am XXXX friends with that only know me on social media and they are saying that they received messages from Navient trying to contact me. Enough is Enough! Isn't this illegal? How do they have the power to go into someone's family and social media and contact people to make me look bad. Please stop this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus XXXX, XXXX and Transunion to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ). 

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 

Thank you, 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 2019-09-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ). TIAA used incorrect figures to determine my escrow. Additionally, they claim they paid {$200.00} more than the county shows they paid. they did for both XX/XX/XXXX and XX/XX/XXXX tax payments. XXXX County shows tax payments recvd of {$4400.00} each year for XX/XX/XXXX and XX/XX/XXXX. However, TIAA has escrowed and charged me {$4600.00} for XX/XX/XXXX & XX/XX/XXXX. Where's my {$400.00}? 

I have repeatedly asked them to re-do my escrow and they respond by telling me their numbers are correct. However, they aren't correct. The payments being received by my county are clearly listed on the XXXX county property tax website. How do I get them to stop overcharging me and refund my money? 

2 ). There is no way to contact this company. They are supposed to be available until XXXX at night to take mortgage support questions, however, whenever I call after XXXX there is no one available to take my phone calls. They say they will call me back after XXXX the next day, but that hasn't happened once. They only attempt to return my phone call early in the morning when I am at work and can't take the call. I need an e-mail address or an after hour phone number to call where someone can actually answer my call and resolve the issue. Their support hours are clearly indicated on their website, however, they don't honor them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, I have tried several times to get inaccurate reporting removed such as listed below, Date of birth ( inaccurate ) Address 's ( inaccurate ) as seen on TransUnion and 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 2023-07-05
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I have been receiving unwanted mail directly to my address for several years now. Weeks ago I had called discover and opted out of mail and marketing. With the agent I also made sure my information was erased from their system. Now several weeks later I have received more spam mail to my home address. I just called discover for a second time at their customer service line XXXX ( XXXX ) XXXX and after three transfers and opting out of mail/marketing once again, I was told I might still receive mail. I have never been associated with the company discover in any way. I wish to stop receiving unwanted mail. It is ridiculous how much time and effort I have had to put into this. I just wish to be left alone by discover and for my information to truly be deleted from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit a cashier check into checking account on XXXX XX/XX/2023. After 10 day waiting period when to bank to withdraw some money that was when I was told my account was frozen and had to get in touch with the fraud department. I checked my voice messages and a XXXX XXXX had left a message the day before.So I returned his call at which time XXXX told me that the person who send me the cashier check had to go to the bank in her area with two forms of identity to say she did send the cashier check her bank verified that the cashier check was good.But XXXX wanted to know why I was getting such a large cashier check from the lady. She told him why but he still wanted to know from/for what business. I had to submit my paperwork from the State of Ohio that I do have a business register. That's when XXXX started accusing me of being scammed to being involved in a scam to being involved in a fraud money laundering. Now XXXX want paperwork that I had given the lady money to invest for me and XXXX is now saying the money belongs to a third party but he wouldn't give me the name of that person. XXXX has been rude disrespectful toward me and even hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Amsher Collection Services, Inc.
State: GA
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:
I noticed 2 accounts reporting on my credit report erroneously. I have written both companies asking for a contract with my wet signature and to no avail have either company supplied me with an original contract with my wet signature. It has been 45 days since I've called and written these companies and there has been no response they are supplying this information to XXXX, XXXX, and XXXX. These illegal reportings are hindering me from becoming a homeowner. Please investigate these companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: CA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-09-30
Company: PENTAGON FEDERAL CREDIT UNION
State: NE
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:
Two years ago when my husband was alive one of his credit cards was bought out by PenFed at that time he had a XXXX balance, they sent him a credit of XXXX dollars for being a new customer and then started charging XXXX per month for a statement fee he tried cancelling many times. He ended up paying them. 

Now more than a year after his death Pen Fed sent another credit of a XXXX  and a statement fee of XXXX dollars at this point he owes them XXXX dollars Is there any way I can get this account closed and stop having to pay statement fees on credits they keep adding I have called serval times and sent them a copy of his death cert.

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 2022-05-17
Company: Chime Financial Inc
State: IL
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:
Monday XX/XX/XXXX I got a chime notification saying XXXX was spent at XXXX in South Carolina but I was at work in XXXX XXXX IL so I tried to dispute the tranaction but I couldnt I then got a text saying chime alert asking did I make the transaction reply yes or no so I replied no I then got a call from what I thought was a chime worker saying someone had my account added to XXXX XXXX and that I needed to change my password and they would send me a new card later I said okay I was working at the time so they said they would call me back later well on my way to get my children from day in XXXX IL I got a call from what I still thought was a chime worker tehy sent me a one time password and said dont share it with anyone so I said ok they also said they were trying to obtain the IP address on who used ny card earlier at XXXX and to not login into my account until the next day because its could corrupt them trying to obtain the IP address I said okay so the next day I went to check my account and they took everything from me XXXX moved from my savings to my checking account and then sent it to someone names XXXX XXXX XXXX never sent money This person so I called chime I asked them to dispute it I needed my money back they said they would investigate later that same day they closed my saying they wouldnt refund me no error occurred so I called again and again they reopened the case for rebuttal I sent in my police report my location at the time the login from XXXX Florida and the number that text me saying chime alert they said if I sent Im all that evidence I would have my money back but they closed my second claim AGAIN saying they wont refund me and well this is highly unfair I have been calling them since last Tuesday XX/XX/XXXX begging for my money back atleast of it I have XXXX  daughter Im a single mom my daughter turns XXXX this Friday and I have no money to do anything because someone completely wiped my account out. They are FDIC insured so the fact they wont refund me is ridiculous Im here to make an complaint against chime because they lied about refunding me and Ive sent in ALOT OF EVIDENCE that this was not me! I am a victim of fraud Ive reported this to the federal trade commission as well can someone please please help me get my money back this is insane

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a complaint before and XXXX XXXX was helping me she did helped me get some of my money back. I submitted documents showing that fraudulent use of my bank account goes back to XX/XX/2017. She directed me to upload my bank statement and the police report. I have attempted to call her on numerous occasions and she have not returned my phone call. Talking to USAA call center Is like talking to a brick wall. Attached is a Letter from the USAA rejecting the rest of the money that is owed to me. USAA DID NOT GIVE ME SUUPORTING FACTS THAT MAKES ME LIABLE! This attached statement is not enough for me we are talking about 11,000 dollars!!!! USAA owes me supporting facts why I am liable for a person using a XXXX card THAT DO NOT HAVE MY NAME ON IT!!! and was getting money out of account! I can not even get them to close THIS ACCOUNT TRANSACTIONS ARE STILL GOING THROUGH! IT!

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