BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit 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 noticed there were 5 fraudulent charges to my credit card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} The only place I went that day was to costco for groceries and gas and went home. In the statement it said the charges were made in person in the same state, but I had my card on me so I assumed they were able to somehow clone a card. I called the bank the night the charges were posted and told them the information they needed and it was retracted while the claim was being processed. They closed that card, and provided me with a new credit card. 

Just recently the charges are back on my card and the bank is saying I am responsible for the charges because supposedly the people who used it used the chip? Which I told them was not possible at all because I've had my card on me the whole time. And they said people can't make clone cards with the chip but I was trying to tell them if that's the case, and if I had my card with me the whole time, then either someone is wrong about the people using the chip or someone was actually able to clone a card with the chip. They said they would resubmit the dispute but the tone seemed unassuring. I checked the " Dispute Tracker '' in my bank app and there is nothing under " Open Disputes '' and also nothing under " Recently-closed disputes ''.

I talked to another person and they suggested I call the places where the charges occurred to get any information that would help my case. 

I called XXXX first, and the manager told me he found it odd that I was calling because his bank had never called him about any fraud charges and he said that would be the process. I asked him if there was any information that I could get to submit to my bank and he said he legally couldn't give me any information, that my bank would have to contact his bank, then his bank would have to ask for any information that would help the case. The only thing he told me was a man and woman, which he had names for, were the ones that made the purchase and they used a card that had my information on it. That was as much information he could provide me. He asked if I knew those people and I told them I do not.

So then I wrote an email to the fraud department of why I was unable to obtain any information for the transaction, and what the manager said needed to be done for him to provide any information. In that email I asked if they had ever reached out to any of the businesses since the manager said he didn't get contacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: NJ
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:
this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, XXXX  and Experian. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report 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 explanation
Consumer complaint received 2021-11-30
Company: ERC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate named XXXX XXXX. THE COMPANY, ENHANCED RRECOVERY CO, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, ENHANCED RRECOVERY CO, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX ON THE PUBLIC AND PRIVATE SIDE. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 XXXX items on XX/XX/XXXX from XXXX XXXX  via their website. 
I made an account on their website and checked out. My credit card was immediately charged {$820.00} I expected the purchased items would take some time to ship since they are large car parts. 
Many XXXX had passed, and I had recieved no updates. My account on their website said " order processing ''. 
So on XX/XX/XXXX, I called XXXX Customer Service at XXXX. I spoke with XXXX and he said : " Dont worry, if it says order processing then we are still working on the order. There is no ETA, but we will send you email once your items have shipped ''. 
I said thank you and I remained patient. 
Many months passed with no contact made. My account on their website still said " order processing ''. 
So on XX/XX/XXXX I called XXXX. This time no one answered. The call went straight to voicemail, and the voivemail box was full. 
Also on XXXX XX/XX/XXXX, I wrote an email to XXXX '' to request to have the order canceled and refunded. 
I still have not recieved a response. 
Over the last 2 months, I have made 40+ phone calls on different days and at different hours of the day. 
No one answers the phone, the call goes straight to voicemail, and the voicemail box is full. 
I have also sent a total of 3 emails to request to have the order canceled and refunded. 
There has still not been any response back. 
I contacted my credt card company ( Capital One ) and they said " we cant investigate any fraud if its older than 60 days ''. 
So now, I have lost {$820.00}. Recieved no items. XXXX XXXX  is unresponsive to communications. 
Capital One only cares about fraud that happened in the last 60 days. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I'm a single Mom and I'm stressing that I cant go back to school because someone has stolen my identity, what do I do now

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 2023-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I traded in a XXXX XXXX XXXX which I had financed with USAA to XXXX XXXX. XXXX XXXX issued a payoff for my loan that USAA received XX/XX/XXXX per their own admission and I was out the door with my new car. I called USAA canceled all necessary auto pays, and thought nothing of it. 

On XX/XX/XXXX, USAA charged out of my account via ACH a full payment for the auto loan that they had received a payoff for.

Upon speaking with customer service, I was told absolutely nothing could be done and I would have to wait XXXX days or so for a refund. My account with USAA is now currently negative, and will continue to accrue additional fees every day it remains that way. That money was meant to buy food and supplies for me for the next XXXX weeks and now I have nothing and no remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX switched banking partners from XXXX XXXX to New York Community Bank ( NYCB ). After this change was announced, I was forced to deposit my funds to NYCB because the external accounts transfer feature was not working. After creating my NYCB account through the XXXX portal on XX/XX/22, I initiated a small transfer of {$100.00} to an external account on the same day, XX/XX/22. After nearly 2 weeks, those funds have not been delivered and XXXX has provided no support in the matter. The customer facing agents say they escalated the case, buy my {$100.00} is still missing. I have already contacted my external bank and there is no indication of a deposit from XXXX. The funds were never received by the external bank and therefore not received by me. XXXX continually dismisses the issue and says it is not their problem, yet they do not have an escalations or fraud department for me to speak to directly. As it stands the entirety of my account with XXXX is inaccessible. With no support or ATM card available from XXXX my money is stuck in a limbo. I intend to close my account, but I can not trust them to successfully transfer my entire account if they can't even transfer {$100.00}. This is unacceptable. 

( Previously submitted XXXX but realized the bank should be listed as NYCB and not XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: K STREET FINANCE, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mullen Finance is not correct. They are stating that my car was repossessed and it was not. I was not behind on payments. My car was impounded because of parking violations and was impounded during covid. I was working on coming up with the {$2600.00} to get my car out of impound and Mullen Finance picked up my car from the impound lot. The only choice that they gave me was to fully pay off the car as well as all impound charges. I did not have or could come up with {$11000.00} at this time, during covid when I was not even working. They were not willing to work with me at all eventhough I had always paid my car payment on time and had never caused them any issues. 
Since this happened, Mullen Finance has continued to do hard credit checks without my permission, docking my credit even more. 
Its like this is a sick game to them to ruin my credit and its worked. This repo on my record is causing major problems in my life, causing me to not be able to get a car and effecting my credit in a major way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have contacted Flagstar bank several times attempting to get the lender placed insurance taken off my account. They have not only failed to do so but have continued to collect the increased premium via my escrow payment and resulting late fees. This insurance documentation has been sent in several times and nothing has changed with this insurance since we have owned this property.

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 2022-10-11
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Tried get money sent from cash app and spoke to XXXX XXXX XXXX. This person said he was a cash app agent, who processed the initial transaction then advised cash app was needed. Once the steps for the update was followed they drafted from my Grandmothers account 3 times for unauthorized transactions that never came to me and the bank has no record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a Visa gift card from XXXX that indicates that it can be used anywhere that a visa debit card is normally used and this is not true. It has been declined at both XXXX and XXXX so far, which is the only reason that I bought it.

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 2017-08-04
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The company is coinbase. I have an account with them that was working fine 3 days ago that was Tuesday XX/XX/XXXX. I have money in my coinbase account and suddenly the account says its disabled ( says I need to show id and proof of address ) I have those but support is not answering me anything. These gets me really nervous. I try every posible way email, web page, XXXX and nothing. I dont know what else to do. I have XXXX with them now I dont have access to them or even know if my funds are ok. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit 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:
I have told the bank over and ove again : Purchases are STILL being made by someone other than myself. There is NO ONE else who is supposed to be on thie card except for me. I am the only one on this card and yet someone is still charing it, even today. I have complainted about this over and over again and Chase still FAILS to address. They need to FIX THIS NOW!!!!! 

They SHARD my information with Chase XXXX XXXX with someone who has Chase XXXX XXXX, BUT I DON't! How did that happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 two claims with my bank due to my card being used on a XXXX account. Both claims were denied. I spoke to customer service and they did not help to rectify the issue.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.

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 2023-06-08
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
Another bogus collection from identity theft. 

My name is not XXXX XXXX The company that issued credit did not screen this frauder I told the collections and now I have to spend my time proving this to them. 
XXXX Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My complaint is general. It is about the service called XXXX. I have called multiple banks and been allowed to block the service at some, but not others. Banks appear to be using XXXX as a way to avoid liability for fraudulent charges showing up on checking and other bank accounts. It is used by those committing fraud to quickly transfer funds out of a bank account. The banks then say that the transfer was authorized and that they are not liable due to the nature of the agreement with XXXX. 

I am complaining that XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and others are using XXXX as a means to facilitate fraud, and as a means to avoid their legal obligations related to protecting customers from fraud. They furthermore deny consumers ( such as myself ) the agency to prevent such transactions by blocking the service. The service, while convenient, is not without risks and liabilities and not allowing consumers to opt out of such a risky proposition is criminal. 

I'm requesting that XXXX be held accountable to the same banking laws that apply to other banks and money transfer services, and that Banks be required to allow consumers ( myself included ) to opt out of the service permanently, not just temporarily based on the lack of having signed up. 

To be clear, I am not able to opt out of the service completely at any of the above listed banks. I am not signed up for the service, but I have no ability to prevent funds from being used on the service without closing my account and going elsewhere. 

Plainly I can block one bank from another, but I can not block XXXX from any of my bank accounts due to this fraudulent scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Securus J Holdings, LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I purchased a media tablet for my love one through JPAY services online.. I was told that I could NOT get an update before 60 days. I waited 60 days and was told that it would be another 30-40 days and the media tablet would be shipped to my loved on. After several attempts to resolve the issue I have been provided incorrect information from XXXX about the order number saying that that was my tracking number. On XX/XX/2023 no new details about the tablet nor a refund of my money. I am being told on several calls that a refund is not possible because of the process and that the tablet was reshaped on XX/XX/XXXX. I asked why was it reshipped and was told because it was never shipped on XX/XX/XXXX. How can you reship something that never was shipped. I have been told by several supervisors for JPAY that there is nothing they can do nor I can do. Please help. This inmate services is unlawfully taking money without delivering the merchandise and not giving no explaination as to what process is being done to resolve this issue. After 6 months of holding on to my money I should be provided my money or the paid for merchandise to my love on.

Company response to consumer: Closed with explanation