BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Paypal Holdings, Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I notified my bank by filing a claim that I had been charged an additional amount for a good I did not receive, example I ordered XXXX good but were charged for XXXX. 
My bank sent my an email overnight at XXXX XXXX EST XX/XX/2023 that they were changing my case reason, they then sent me a following email at XXXX XXXX  EST XX/XX/2023 saying they were reviewing my case, they sent an email at the same time XXXX XXXX  EST XX/XX/2023 saying they were sending a replacement debit card. Never throughout my initial request did I request a replacement card and I am temporarily living out of state so my debit card is being sent to an address I am not currently at. 
I saw these emails around XXXX EST XX/XX/2023 and contacted paypal by phone at XXXX EST XX/XX/2023. I was transferred 3 times before I got the correct department. The initial representative from paypal debit was not able to provide me a reason why my card was replaced without my consent. I was instructed to update my address and request a new card to the correct address. After updating my address I was unable to request a new card in the app or the link I was instructed to go to. I requested to speak to a supervisor. After being transferred to the supervisor, she told me that it is paypal policy to replace a card when an unauthorized transaction was reported. I have filed a claim before and this has not happened. The supervisor was also unable to request a new card. 
Paypal closed my card without my consent and now are not able to reissue me a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Friday, XX/XX/XXXX, a check card purchase of {$130.00} was paid early in the morning. The status was pending. On Saturday, XX/XX/XXXX it was no longer pending. I assumed to be item was paid because it no longer appeared in my pending. So, I did several other withdrawals over the weekend. On Monday, XX/XX/XXXX, I made several cash deposits and transfer which I believed brought the t my account in the positive. On Tuesday, XX/XX/XXXX, some of my deposits were posted for the XXXX instead of the XXXX. This caused me to incurred 3 nsf fees of {$36.00}. These fees then put my account in the negative which caused a transaction of {$6.00} that was processed to incur another nsf fee of {$36.00} on XX/XX/XXXX. I assumed I had enough funds to pay all my items. I incurred in total {$140.00} in nsf fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX ssn XXXX. Capitol 1 has restricted my account ending in XXXX as of XX/XX/XXXX and is closing my account as of XX/XX/XXXX claiming it to be inactive. However Capital 1 has failed to provide me with a card to use for purchases and has failed to provide periodic statements as required under regulation X. Specifically under article of REG X section 1026 which requires a minimum of quarterly statements. I have another Capital 1 account that I do use regularly and would have also have used this account had they provided me with a card and statements. I have received no statements at all in XXXX, only an email notification of suspension and cancellation of my account. Furthermore, I only received a year end statement in XXXX. Multiple calls to customer service have not be effective as the telephone receptionists in the boiler rooms say there is nothing they can do and the cardholder agreement says Capital 1 has a right to cancel an unused account even if they caused the inability to use the account. I have 800+ credit scores and the loss of a XXXX credit line that has no balance and would be paid in full every month as all my other credit lines are will cause irreparable harm to my credit score. Furthermore I believe I was targeted because Previously I always paid in full and had no interest charges. Also a REG X violation to cancel an account because of a lack of finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Ameritech Financial
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received mailings from Ameritech Financial stating that they could help lower my monthly student loan payments by filing paperwork with my loan servicer for Income Driven Repayment. From what I understood, I would pay an initial fee to Ameritech for them filing the paperwork, and then they would make payments on my behalf directly to my loan servicer. I began with Ameritech on XX/XX/XXXX and they withdrew their first installment of {$250.00} on XX/XX/XXXX. They made 5 more withdrawals of {$250.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$1500.00}. They then withdrew {$99.00} for the next 18 months for a total of {$1700.00} with the last payment being on XX/XX/XXXX. I cancelled payments at this time because I kept getting emails from my loan servicer stating that I had payments due. I was not satisfied with Ameritech " paying '' my servicer because I thought they were making late payments. At the beginning of XX/XX/XXXX I received a letter stating that Ameritech does not make payments on my behalf to my loan servicer. I logged into my loan servicer online and found out that because no payments were being made by Ameritech, {$5200.00} was capitalized to my loan on XX/XX/XXXX. I am filing a complaint because I believe that Ameritech was deceptive in how they advertised their loan repayment services and not only took money for services they were not completing, but caused me to have more than {$5000.00} capitalized to my loans for nonpayment of interest.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-09
Company: Winklevoss Exchange LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I imitated a transfer on XX/XX/2023 and the money was debited from my bank account on XX/XX/2023. It was not until XX/XX/2023, that my money was available. They told me it takes time for ACH to process. Not that many days. 

Then when I went to put an order in to buy Bitcoin, the stated price was below the price they were charging me. The fees they charge are not detailed as well. 

Please see a screen shot below. There is a large spread between the {$37000.00} v {$38000.00} they are charging. 

BTC Bitcoin {$37000.00} Payment method USD balance BTC price {$38000.00} Subtotal {$4900.00} Fee {$74.00} Total {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I made a deposit of 10 checks into my business checking account. The ATM said there was an error and to contact Chase directly. The ATM lost 2 checks, one for {$120.00} and another for {$700.00}. 

I contacted Chase and made a claim for the two lost checks. They said that they would issue a temporary credit to my account while they investigated. I did not see any temporary credit on my account within 7 days and they assured me it was " there, but i couldn't see it ''. They also said they mailed me a letter detailing the temporary credit but i did not receive any letter in the mail. 

Now, on XX/XX/2020 i checked my paper statement and there is no temporary credit issued nor have i received any notice regarding my claim. 

I have a claim number but nobody will help me regarding the status of these 2 checks that the ATM ate!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/XXXX RE : Equifax Confirmation # XXXX XXXX Confirmation # XXXX Confirmation # XXXX Subject : Account # - DEPAR XXXX XXXX XXXX XXXX To Whom It May Concern : I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 16811 ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at all the addresses listed above. 

Thank you, Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-12-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Atlanticus Services Corporation
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
in a previous cfpb complain and I prior telephonic recorded convos i was told my credit protection ends XXXX I called XXXX and they said it ended XXXX which is not accurate. A payment is due XXXX and they are trying not to pay that last payment their obligated to pay under my credit protection. companies like these need to be thoroughly investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Covid 19 - in violation of Federal Collection Laws There are two separate federal Acts in place in which prohibit AGGRESSIVE collection of student loan default. 

XXXX / XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX Also the school / schools in collection both filled for Bankruptcy so where is the EXTRA collection monies going if these schools filled for the equivalent of a chapter personal chapter XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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:
RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Enclosed : copy of State ID

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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion continues to remark that XXXX XXXX is reporting Chapter XXXX Bankruptcy for me. I have never filed bankruptcy. XXXX XXXX has stated to me that Transunion must be coding their report of account being affected by Covid as bankruptcy. XXXX has emailed Transunion - Yet, Transunion most recently coded it again as bankruptcy on XX/XX/2020. 

I am attaching email communication from 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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-07
Company: Upgrade, Inc.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
UPGRADE has discriminated against me the consumer by denying me a RIGHT to credit under ECOA for notice it is fact under 15 USC 1602 CREDIT IS THE RIGHT GRANTED and it shall be unlawful for any person to deny anyone one credit for the reason of the consumer exercising a right. Notice it is a fact I am the original credit card holder and creditor in the credit transaction with UPGRADE as defined under 15 USC 1691a and I am fully aware that UPGRADE via my credit application has obtained a SECURITY. I here on behalf of PRINCIPAL accept all TITTLES, INTEREST, EQUITY and RIGHTS due to principal. UPGRADE has no lawful authority to deny a right to credit while obtaining my security. I ask UPGRADE to reprocess the application and accept the application extending to me my own credit for this unlawful advers action has caused me severe inconveniences and damage for there is no lawful authority to deny a Federal Right. Notice it is fact UPGRADE you have failed in your TRUTH IN LEND ING REQUIREMENTS and did not disclose to me my RIGHT TO RECISSION under 15 USC 1635. Hence your breach of duties my dead line to recind is now 3 YEARS!. Accept my application and extend to me my own extended credit or return to me under TRUTH IN LENDING my " ORIGINAL '' Credit Application/ SECURITY or be held liable for a violation under TRUTH IN LENDING and THE SECURITY EXCHANGE ACT OF 1934 and have a IRS Form 3949a and IRS Form 211 filed against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Information belongs to someone else

Complaint:
HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS. ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE.I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNT THAT I HAVE NOT RECEIVED. I HAVE DISPUTED 2 TIMES. ALL THREE BUREAUS ARE IN VIOLATION ON 15 USC 1681B. XXXX XXXX XXXX {$27000.00} I HAVE BEEN DISPUTING SINCE XX/XX/2021 ACCOUNT NUMBER- 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 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This bank is continuing illegal activities on my account. On XX/XX/XXXX, I paid my credit card in full ( card ending in XXXX ). On XX/XX/XXXX, Bank of America closed this account, without ANY notice, without merit ( this account was ALWAYS paid on time for over 7 years ), as per the credit card agreement. When I called to find out what was going on, the staff had no answer, and I was told there was a notice sent to me ; which there was not, a LIE. I have e-mail and electronic notices set up to this account and there was no notice. It was at that time, on XX/XX/XXXX I requested my savings account be closed ( account ending in XXXX, to which there was NO ATM card attached ) and the keep the change feature be removed from my checking account ( ending in XXXX ). I attempted to contact Bank of America on XX/XX/XXXX, to again request the reason for the illegal credit card closure and again, no answer, and again I was told there was a notice sent to me, another LIE. Also, on XX/XX/XXXX, a credit card statement was generated, saying that I had interest charges on an account that was PAID prior to the billing cycle, ILLEGAL, AND the statement was showing my account as OPEN! On XX/XX/XXXX, I attempted to use my ATM card ( that is linked to my open account ending in XXXX ) and learned it was shut off! I did not request this, nor did I authorize this, AGAIN! I had to AGAIN sit on the phone for over an hour, run to the closest ATM, as per the instructions of the Bank of America staff member, incur 2 ATM fees to try and get my ATM card turned back on! On XX/XX/XXXX, I received an e-mail stating my credit card was closed on XX/XX/XXXX, ANOTHER LIE, it was illegally closed on XX/XX/XXXX and that will not cover you for breach of contract! Today, XX/XX/XXXX, I see that after all over this ILLEGAL activity, the keep the change feature is STILL on! This bank should be shut down.

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 2023-06-27
Company: EQUIFAX, INC.
State: MO
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:
As of XX/XX/XXXX, over six months ago, I XXXX XXXX XXXX have file disputes on several incorrect accounts on my credit report. Equifax, XXXX, and XXXX, I do not feel that there was a proper investigation done or attempted on these credit files and these negative items continue to be on my credit report due to fraud. 

XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XX/XX/XXXX, amounts XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An Umpqua checking account was opened in my name and the suspect spent over XXXX and now Im being ashes to pay for it. They used my name, social and address. Attached is one of the first notices for an over drawn account.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
on XX/XX/22 i sent a letter to transition disputing information for names and addresses that did not belong to me I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently had someone assist me on viewing my credit report upon doing so i realized that there were numerous accounts that do not belong to me and it has made my day to day living almost impossible and making it hard to move forward with my life i believe that i might be a victim of identity theft and because of so i have attached a copy of the identity theft report i filed

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