BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I went into chase bank located at XXXX XXXX XXXX XXXX XXXX fl XXXX to do an over the counter withdrawal with my XXXX XXXX  card. This is something I do every week at this location so I am familiar with how it works. The teller asked me to swipe my card the her system froze. The teller asked me could I swipe my card again because her system froze the first time and all the information disappeared. I swiped my card for the second time and her system froze again. She then asked me if I could check my net spend balance to see if the money came off my card. I showed her the baking app and text message I received showing the transaction amount {$1400.00} date and time showing the money was taken by CHASE BANK XXXX. She then said her system Was froze and she could not give me the money. I asked to speak to the branch manager who told me I needed to call XXXX  because she was not sure what to do. I contacted netspend while standing in the branch and they confirmed the transaction had indeed gone through in the amount of {$1400.00} at chase bank. They asked me to ask the branch manager to go in and cancel the transaction but she refused. They then said to get a letter or receipt from chase bank showing the transaction did not go through and chase branch manger XXXX XXXX refused both. I asked her how would I be able to prove they did not give me the cash if she doesnt provide me with proof to be able to dispute it or get the transaction reversed. She said she understood but did not know how to assist. She then gave me the number to CHASE customer receive which I called and they told me as the branch manager she should be able to see the transaction went through or provide me with a transaction number or a letter stating the funds were not dispersed but again XXXX refused. The agent over the phone with CHASE stated he would file a formal complaint against the branch manager but still I do not have my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have maintained a PayPal account for over XXXX decades without any issues. I primarily use this to buy and sell goods on websites such as XXXX. I usually have XXXX transactions per year. 

XXXX days ago, I was notified that my account was permanently suspended for violating terms of service. The reason given was that I was using a XXXX to access PayPal, purportedly a breach of the PayPal ToS. As a XXXX XXXX, I naturally reviewed the most current ToS and I was not able to find a single provision that uses the term XXXX or XXXX XXXX XXXX, let alone XXXX that purports to prohibit consumers from using XXXX to access PayPal. 

I was also told that VPNs are not allowed because " hackers use them to commit fraud '' and PayPal needs to verify that it is me who is logging in every time. I would point to the fact that I have XXXX enabled on my account with literally ensures that it is me who is logging in every time since my log in requires the entry of a XXXX-digit code that is sent every time to my mobile device. XXXX have legitimate uses and I would submit that they are essential to any cybersecurity plan to prevent unauthorized access. 

Essentially, I have been discriminated against on an illegitimate basis and can no longer access my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This concerns my American Express card. Apparently, I triggered a penalty APR in XX/XX/2021. I'm not aware how this penalty was triggered but it may have been by being late by a day or two with a payment. The representative I talked to also said the penalty may have been triggered by not paying the entire balance due. I was never aware that not paying the entire balance could be a basis for charging a penalty interest rate of 29.99 %. Outrageous. I have asked to have the penalty APR removed, which I believe was done today. I have also asked to be reimbursed for excess interest charged via the penalty APR since XX/XX/2021. American Express has not agreed to make this adjustment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The whole thing started with an email I received confirming an order for an XXXX TV that was placed through my PayPal account for {$690.00}. This was an unauthorized transaction. I called Paypal Customer SupporXXXX line immediately to inform them of this fraudulent charge. I believe that the number was spoofed as I was online with a gentleman who claimed to be a supervisor telling me that the merchandise was sitting in a warehouse in California and someone had used my PayPal account to make this purchase. He then informed me that since there were no physical stores for PayPal in my city, that I would need to go to a XXXX or XXXX to offer authentication of my identity. This man had a thick heavy accent and I was following his directions because he seemed genuinely concerned about helping me protect my account, and my identity. A big red flag went up when he asked me to provide him with the last four digits of the debit card used for the fraudulent transaction. ( He said he needed this to transfer funds to protect me from being charged ). 

For if he truly was with PayPal, this information would have been accessible to him. I refused to give him this information and he became very upset saying he could no longer assure protection for me and I would be liable for the {$690.00} and he hung up. 

I immediately went to my bank and cancelled the debit card associated with my PayPal account. I closed my PayPal account and reported to the Attorney Generals Online Fradulent Division who recommended my contacting the FTC to report this case as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. 

I feel that this is another direct attack on my character by your company. I'm not sure if theses attacks on my person are XXXX  motivated or not ; but I do feel targeted by your company. First you report information on my credit report that is clearly false. Second when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond. Third then you have the out right audacity to say that my complaint was not submitted by me in a attempt to get circumvent the rules set out by the FCRA. 

This is my 2nd and final attempt to get this matter resolved with out me seeking additional outside assistance. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX FTC as well as my States Attorney General. 

My 1st letter was sent to your company on XX/XX/21 via cert mail via the USPS. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I demand that all the accounts and information in question be deleted at once ; and send me a free copy of my credit reporting showing the changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-23
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Experian illegallly assigend an account to me with out proving authenticity and accuracy. XX/XX/2021 actual amount paid is missing ; What is the scheduled payment amount for XXXX, what is the high balance? What is the monthly payment? Balance for XX/XX/2021 is missing? Delete this account immediately.

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 2023-02-13
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2023, I received letter stating that Mr. Cooper filed a motion to foreclosure. I called the mortgage company, and they stated that I was current on all of my payments ; however, the mortgage company file the notice of foreclosure. They have not told me anything about how much I owe nor are they giving me a chance to save my home. In addition, I'm currently in bankruptcy and they are not talking to my attorney. Mr. Cooper is my mortgage company, and they are awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
They are calling threatning to sue and or garnish wages for a debt that is 15 years old that im not aware for chase bank they are calling my job and my wife the calls im recieving are from some legal courier service the statue of limitations in the state of nc is 3 years this is 15 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XX/XX/2020, I received a statement from the bank, dated XX/XX/XXXX-XX/XX/2020. This was surprising, because I have not used this card for a very long time, it has been in my possession but I have not made any charges at all, and the balance has been XXXX for all that time and I have not had any statements mailed out. The statement has two charges of {$3100.00} and {$120.00} which I did not make or recognize. In accordance with procedures, I immediately sent a letter in writing to the bank 's account servicing address stating this - on XX/XX/2020. A copy of the letter is enclosed. As of today, XX/XX/2020 I have no response from the bank.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have attached 2 FTC reports with 5 fraudulent accounts and fraudulent inquiries

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 2023-04-23
Company: EQUIFAX, INC.
State: FL
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 have attached an FTC report with a fraudulent account and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: FREEDOM FINANCIAL NETWORK
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I went to freedom debt relief after paying my credit cards half on my cards and even paying some in full only to find out my estrand husband ran all my credit cards up behind my back so i reach out to freedom debt relief was in program 21 months they took XXXX dollars from me only to find out they had done nothing but. took my money my check started get garnish i started getting judgements now im about to be homless

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: FL
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 contact Experian and dispute this account mutiple times and nothing hasnt been resolve someone file got mix with mines

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 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: NV
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:
I received an email from XXXX, alerting me of my delivery. I have never ordered from XXXX so this was a red flag. I decided to pull my credit report and noticed that I have several names across all three credit companies. XXXX, XXXX and Experian. 

I decided to call the fraud alert numbers listed for all 3 and was able to talk to a representative each time. The first lady, very helpful and what I seem to be as understanding. She asked for my correct information and instructed that my report will be updated and all inaccurate information will be deleted. This has not happened yet, it's been 14 business day.

Each phone call was 30 minutes or more, I'm very unhappy to see that it was a waste of my time. i would like my current address to be present with the correct spelling of my name and employer updated. I don't think this is too much to ask for. 

I have to prove who I am because of someone enjoying a wonderful life with my social as i live in poverty with an eviction on my background. Which is also falsified. Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 had these on my credit for several years and months. I never knew I could dispute because the creditors told me legally Im responsible. Now I know this isnt true these are not mines please delete XXXX XXXX XXXX Update My Account Action Sent XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX - ALL XX/XX/20 XXXX XXXX XXXX - CREDIT CARDS I was a victum of XXXX and was XXXX XXXX I was on the XXXX  for 3 days. I XXXX  and the car company never honored to update my account from late. I was not late I was XXXX. Please help me. I need to get all my affairs in order

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 2023-01-07
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from Navy federal Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from Navy federal Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX & XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX  Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX XXXX  XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.

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 2020-06-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citi Bank ( XXXX  ) credit card during pandemic. I have attempted to make contact with Citi Bank as I was effected financially by the pandemic. I attempted to lower my interest rate. Was told no. Attempted to get payment assistance. Was told no. Requested a waiver of late fees. Was told no. Instead the interest rate has compounded and the balance has sky rocketed!

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