BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
well me and my family are victims of the "campfire" that destroyed our home and belongings and since the fire we've been living in a R.V and a generator was donated to our church that in turn was givin to us brand new.XX/XX/XXXX the generator began to fail mechanicaly so i returned it to the dealer which in turn refunded me about XXXX but since it was only XXXX XXXX when i returned the generator the store didnt have enough cash in the store to pay me in full so the manager asked if i had a debit card that the refund can be forwarded to and i only had a Paypal prepaid debit card on me so i gave it to the manager and he said the refund should take no more than 72 hours to process.Ater 72 hours passed i attempted to make a small online order and found out that PayPal froze my account bcs the generator i had refunded to the card wasnt originaly purchased with the card therefor it was flagged for suspition...i have tried numberous times to have this resolved and there treating me like a criminal and ive even offered to send them the original reciept from the refund and explained it was imposible to get the original reciept when the item was purchased bcs i did not purchase it i recieved it by donation doe. to me and my families situation .i feel there being unreasonable especially since ive never had any issues before with "suspicious activities"

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 2023-01-27
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC.

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 2023-05-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY CURRENT MORTGAGE COMPANY SPS SELECT PORTFOLIO SERVICING AND MY FORMER MORTGAGE COMPANY XXXX XXXX XXXX XXXX DUE TO THE PANDEMIC I BECAME UNABLE TO POAY MY MORTGAGE FOR THE ENTIRE YEAR OF XXXX IN XXXX I MADE ARRANGEMENTS TO START PAYING MY MORTGAGE I STARTED MAKING ALMOST DOUBLE PAYMENTS FOR HALF OF THE YEAR TOTALING {$7600.00} WHILE ALSO REACHING OUT FOR HELP FROM DEO/HAF WHICH WAS {$12000.00} TOTALING {$19000.00} MY ORIGINAL PAYMENT WAS LESS THAN {$800.00} PER MONTH. I WAS SUCCESSFUL WITH BRINGING THE ACCOUNT CURRENT AND THEN IN XX/XX/XXXX I WAS SUPPOSED TO GO BACK TO TO PAYING LESS THAN {$800.00} PER MONTH TO SPS THEN I STARTED RECEIVING PAYMENT AMOUNTS FOR OVER {$1400.00} AND SPS COULDN'T TELL ME WHY. THEN IN XXXX I WAS TOLD BECAUSE XXXX DROPPED OFF I TOLD SPS TO DROP IT BACK ON AND THEY DID AND THEN MY PAYMENTS WENT BACK DOWN TO LESS THAN {$800.00} BUT IM STILL ON THE HOOK FOR OVER {$3000.00} IN ESCROW AND OVER {$2000.00} IN MORTGAGE PAYMENTS AND BECAUSE I WOULDN'T ACCEPT A REPAYMENT PLAN THAT WAS STILL OVER {$1800.00} PER MONTH FOR 12 MONTHS A LEIN HAS BEEN PLACED ON MY HOME. I HAVE BANK STATEMENTS WHERE I HAVE MADE THE NECESSARY PAYMENTS AS WELL AS A AWARED LETTER FRO DEO /HAF AS WELL AS DOCUMENTATION THAT XXXX NEVER DROPPED OFF AND ACTUALLY HAS BEEN PAID FOR XXXX AND XXXX AND NOW I HAVE TO XX/XX/XXXX TO COME UP WITH ALMOST {$6000.00} TO KEEP MY HOME I AM XXXX  AN D XXXX. PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: FlexShopper, Inc
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was charged for the flex shopper insurance plan on product never received they charged me {$4.00} every other week and I called to ask them how can you charge me for warranty on a product you never shipped nor have I ever received it they refused to give me my money and now I owe them {$16.00} for fees for extended warranty on a product never received or delivered they took the money directly out of my bank account and I was not aware of this since I never received the product. You can not charge someone warranty for a product that was never received then refuse to refund money you took for no exchange of merchandise and then put a person in the negative as owing money when they never got your product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX account shows late. This account was never late I have sent countless letter to Equifax, XXXX, and XXXX about it and have not heard one thing back. This is extremely urgent and it is holding back my score. Please update account to paid never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Chime Financial Inc
State: AL
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:
I had a dispute that was taken care of and credited to me on the XXXX of XXXXThen less than 8 hours someone hacked my account again and I disputed it on XXXX the XXXX for $ XXXXThey said they couldnt find anything wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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:
On XX/XX/2023 XXXX, XXXX and Equifax reported and unauthorized inquiry on my credit report, ( XXXX XXXX ). 

According to : 15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. witch they did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: SC
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX 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 2023-03-22
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: Their investigation did not fix an error on your report

Complaint:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
The account opened XX/XX/2018 I have made some payments but have struggled to make payments. Between school, working a low paying job, and acquiring a random dog who needed help I got the XXXX XXXX   to save his life and I still XXXX until this day. Not knowing much about credit, I got the card. I have been in contact with them on several occasions, its never been a rude experience. I did want lower payments ranging from 20-40 a month but the lowest I could get was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An auto payment for my XXXX mortgage XX/XX/19 missed due to insufficient funds. I contacted the bank of the situation XX/XX/19 after I realized and informed I would pay using their online pay method on their website. I completed the online payment on XX/XX/19. I then contacted them again to inform them I paid online and to not autodraft again for the XXXX payment. PHH replied and said you will not be drafted again until XX/XX/19. On XX/XX/19 PHH took another XXXX mortgage from my account. PHH customer service stated they would not until XX/XX/19. This additional mortgage draft caused a documented {$190.00} insufficient funds fees in XXXX days before I could recover the mortgage amount to my account. I think PHH is responsible for any insufficient funds charges that would have been avoided if their mortgage would not have been drafted again on XX/XX/19. 

I have contacted PHH who requested I send documentation of my accounts and proof of the insufficient fund fees. PHH upon receipt has said they are not at fault. I have contacted additionally XXXX other times to customer service in which they state they are not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Block, 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:
I provided service to a customer $ XXXX and the service was funded to me for the service through the Cash app in the amount of {$330.00} on XX/XX/2023. The customer then proceeded about XXXX weeks later to request a refund after services were rendered/delivered physically to her. Cash app withdrew the amount from my bank account ending in XXXX on the date of XX/XX/2023, in the amount of {$330.00} without any authorization or explanation for the dispute. I contacted Cash app the same day XX/XX/2023, and advised customer was given all of her services and showed copies of the receipt of delivery. They advised me to contact my bank for further assistance for they could not help me more at the time. I contacted my bank who advised Cashapp and or the customer is the responsible party and I needed to request the funds back from them as well seeing the transaction was done through a third-party institution. I have reached out time and time again with no response from the customer, or Cash app. I am requesting the funds be returned for the services that were provided and delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed my XXXX XXXX credit account for incorrect info and XXXX deleted it off my report I just wanted it correct not deleted

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 2022-06-02
Company: BARCLAYS BANK DELAWARE
State: SC
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:
In XXXX and XXXX of XXXX I charged my Barclay Card ( XXXX XXXX XXXX ) three separate charges in the amounts of {$500.00}, {$300.00} for deposits on a XXXXXXXX XXXX that was to take place in XXXX of XXXX. In XX/XX/XXXX I charged the balance in the amount of {$3300.00}. Due to covid the cruise was cancelled and rescheduled several times over the next year. In XX/XX/XXXX we requested a refund from XXXX. {$400.00} did get credited to my account. They said at the time that it could take 6 months or more for the full refund. I was patient. I called periodically. Finally in XX/XX/XXXX I contacted XXXX who told me that the entire refund had been sent back to Barclay card US. I never got the credit. At that time I submitted a dispute. Barclay has declined the dispute stating that since the original purchase was 2 years prior they will not investigate nor credit my account for the services that I did not receive.

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 2023-09-17
Company: Paypal Holdings, Inc
State: NE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My venmo account was frozen for violation of terms of services. After asking what exactly I violated I was told venmo doesn't have to tell me. I was requested to upload my ID to unfreeze my account. After doing so venmo permanently suspended my account with a balance of {$290.00} that venmo said they are keeping for loss prevention. I've asked multiple times if I can get my funds but keep getting denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: GA
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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: GA
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:
Equifax is reporting these accounts inaccurately. I spoke to Equifax today, XX/XX/2022 and to state that ALL XXXX XXXX. XXXX  XXXX accounts aAll US DEPT Education accounts listed below accounts are to be removed, as XXXX am not liable for these accounts. 

Account Number XXXX XXXX Reported Balance {$45000.00} XXXX XXXX XXXX. XXXX  XXXX Summary Account Number XXXX XXXX Reported Balance {$33000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Reported Balance {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: KY
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I get a text message from Netspend all access saying to call before I can use my card so I called about 1 hour later I get an email saying my card was reported lost or stolen I called again for the rep to keep telling me I transferred the money I would be play with that account my sons ssi check deposits there and my federal and state refund goes there I never reported nothing lost or stolen NEVER so now Im waiting my rent is due and We were on our way to celebrate my sons XXXX birthday it is the worst

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 2023-09-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
I am writing to express my profound dissatisfaction and concern regarding my recent interactions with JP Morgan Chase Bank, where I have been a loyal customer for many years. 

I believe that my concerns and requests have been handled in a manner that is not only dismissive but also discriminatory. This has left me with the disturbing feeling that my treatment may be based on my race, XXXX, or ethnicity. 

Specifically, I have encountered the following issues : Delayed Responses and Lack of Attention : I have noticed a significant delay in response time regarding serious issues with my account. It feels as though there is a deliberate attempt to neglect or sideline my concerns. 

Dismissive Behavior : On several occasions, the representatives I have spoken with have downplayed or misunderstood my concerns, making me feel unheard and invalidated. 

Unjust Decisions : Decisions made regarding my disputes appear to lack merit and instead seem influenced by factors unrelated to the case at hand, making me question the bank 's impartiality. 

Poor Communication : Despite my repeated attempts to communicate and clarify the concerns about my account, I have consistently received unclear or non-transparent explanations. This has caused additional distress and confusion.

Denial of Resources : I specifically requested information and resources related to XXXX to voice my concerns, but my requests have been ignored or denied without a valid reason. 

It is of utmost importance for me, as a customer, to feel valued and treated fairly by the financial institution where I entrust my money. I am deeply troubled by the possibility that my race, XXXX, or ethnicity could influence the treatment I receive.

Company response to consumer: Closed with explanation