BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: Paypal Holdings, Inc
State: OK
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:
Received an email and invoice # XXXX today XXXX from Pay Pal stating they charged my account with a purchase o XXXX crypto currency. See attachment below. I have filed another complaint concerning this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/2023 I noticed an unauthorized charge on my credit card. I contacted Chase Customer Service to report the issue and have the card reissued. The rep on the phone stated she would send the card via XXXX overnight delivery and I should have my replacement card within XXXX business days. This was important to me as I use my card constantly. After XXXX business days with no card received, I called back to Chase and was told by a supervisor that the card was sent regular mail and I should have the card within XXXX business days. I was very upset and asked the supervisor why the original rep said it was being overnighted when it wasn't? He had no answer except that he stated the calls were all recorded and he would look into it. I advised him I wanted this filed within Chase as an XXXX complaint, which he said he would do and that I would hear back from XXXX Management. I did not receive my replacement cards until XX/XX/2023, and I had to use other companies cards in the interim period. It is now 30 days after the issues and I have not heard anything back from Chase yet, either on the delay in the delivery of my replacement card or on the XXXX complaint. I would like the results of their internal investigation about the original employee that lied to me and didn't follow through as I was advised they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: MD
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:
There is information that does not belong to me and I need this information fixed to prevent further identity theft. I have been a victim of identity theft, thus note the IP PIN I have to use not just to file my taxes.

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 2024-01-24
Company: The Receivable Management Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have called and left a voicemail to a person I share a home with. on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I submitted a request on their website to not contact a specific phone number. They proceeded to call that number. I called them today and told them to not contact that number anymore. They did not confirm they will stop, and proceeded to attempt to get more information out of me.

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 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit 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:
For about 4 years we both have been receiving multiple mailings per month from Capital One to open a credit card. We have been discarding this mail. This past week we noticed that the offer contained a note at the bottom : " to stop receiving " prescreened '' offers of credit from this and other companies call toll free XXXX '' We called this number and we were offered a {$100.00} gift certificate to Walmart . We told the agent that we wanted to opt out of mail from Capital One and we were disconnected. We called back and again were offered the {$100.00} gift certificate and disconnected after asking to opt out. 

We searched the internet for a number to opt out with Capital One and XXXX was suggested but didn't work. 

A second search led us to XXXX and after a long hold time we were told they would remove our names from mailings within XXXX  days. 

This complaint is that the number stated on their letter ( XXXX ) is false and is actually a way to get you to sign up for a {$100.00} gift certificate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX I made a {$200.00} payment to Destiny Credit Card online amount for the month was {$89.00}. The payment posted from my bank on XXXX XXXX As of today my available credit is not reflected on my account. 
After calling credit company several times, I was inform that the company has the discrepancy to HOLD my payment for 14 days if they chose to for NO REASON. 
Can the card company do this with out giving a customer a valid reason? 

Also would like to know WHY my account is overdraw by {$21.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX. A check was washed for {$85000.00} XXXX. Chase " the cashing bank '' Says it was counterfeit XXXX. XXXXXXXX XXXX my bank intuition states it was altered XXXX. Chase denies to avoid reimbursing my funds XXXX. XXXX XXXX will not challenge Chase. Quote " We are to small to go up against Chase '' XXXX. No legal firm wants to challenge Chase XXXX. I have been told this is what Chase does to avoid paying for a error they made. 
XXXX. I don ' t trust Chase, I need a neutral party to confirm Chase it not lying to me and prove them incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Paramount GR Holdings, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I called and specifically told Good Leap do not take payment on the XXXX. They took it on the XXXX causing me to overdraft. These clowns has been no help as far as payments are concerned. They call and harass me at work and at home. Called my relatives and friends. Filed a report. Goodleap swept it under the rug abd said oh well you know your payment is due on the XXXX of every month and bs that makes no sense. Anyway, they also don't call from the same number. They have XXXX different numbers they call from just to harass me no matter the time of day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: CT
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$96.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX CO XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: IL
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:
By the provisions of the Fair CreditReporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXXXXXX 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 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 2023-08-22
Company: Lewis, McDonnell & Associates
State: CA
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:
XXXX notified me on XX/XX/XXXX, that a loan of {$3200.00} was posted onto my account and sent to collections. I quickly called Lewis Mcdonnell & Associates on that same day ( XX/XX/XXXXXXXX  ) which I spoke to a representative named XXXX. I tried to get information about what kind of account was created such as what name was used, date of birth, phone number, etc,. XXXX confirmed that there was a loan taken out with a name similar to mine, then XXXX asked me if my birth year was XXXX, and if my phone number ended in XXXX which I stated it is not. I told XXXX the reason for my call was to get more information on an account that was created using my social security number as I have no affiliation towards them and never took any kind of loan out with them. XXXX provided me information on how to dispute this incident as identity theft but as she was giving me more and more advice, she then began to become less helpful, ultimately hanging up the call. I contacted XXXX right after that phone call to file a dispute and to also update my information such as my name, date of birth, and also locked my credit. The dispute I filled with XXXX on XX/XX/XXXX, was completed by XX/XX/XXXX. However, Lewis Mcdonnell & Associates claimed that the information they have is correct. As a result, XXXX could not remove the collection debt out of my account. I sent a validation dispute letter to that company on XX/XX/XXXX, and gave them 30 days to provide me the information they claimed is correct but till this day, XX/XX/XXXX, Ive received no information or feedback from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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. I am never been late on this 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 2023-08-17
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/2023 and XX/XX/2023, I submitted multiple letters to XXXX, XXXX, and Experian with my concerns about things being reported on my consumer report ( XX/XX/2023 letters attached ). There are numerous inaccuracies with the accounts in question. They are not in compliance with the XXXX XXXX XXXX of filing. As of now the CRA 's have not updated the status of any account nor have they notified me of an investigation and if there is one conducted they have not informed of the results.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: MD
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-28
Company: JPMORGAN CHASE & CO.
State: NJ
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:
to whom XXXX concern i own a XXXX XXXX XXXX XXXX XXXX, somebody open a credit card under my name i didn't authorize it for some reason it appear on credit i filled a police report they never removed it this not fair to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for an extended period, consistently adhering to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I greatly appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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  {$0.00} ; XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I came home on XX/XX/XXXX to find the attached letter in the mail. It stated that a check issued by XXXX XXXX on XX/XX/XXXX in the amount of {$660.00} was never cashed. I had refinanced my home and this appears to be excess funds in my escrow account. 
I received my XXXX for my mortgage interest that year so I am not sure why we would not have received the check. 
My husband and I followed the instructions in the letter, signed and completed the information requested and I faxed the letter back on XX/XX/XXXX. The letter states that if the letter was not received by XX/XX/XXXX, they would report and remit the property to the State of Washington. ( This has not been done, so this leads me to believe they have the response from me ) They also stated that it could take 6-8 weeks for us to receive the check and could delay further if you contacted them to find out the status. I faxed the second letter along with the XXXX letter attached requesting the status since it has been over 16 weeks since the original response was faxed to them. 
As of today XX/XX/XXXX, I have not received a response to any of my communications and the property is not listed on the Washington State Unclaimed Property website.

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 2023-12-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: In progress
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: LA
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 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 2023-11-30
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I spoke with XXXX XXXX XXXXDovenmuehle Mortgage, INC back XXXX XX/XX/2023 when I realized that I failed to provide them with my new checking account information for my XXXX payment. That is my fault and I realize that I made that mistake. I spoke with a representative, I can not recall her name, but I provided her with my XXXX XXXX XXXX Checking account information ending in XXXX. She assured me that it was ok and that she would have it reprocessed for XX/XX/2023. I kept an eye out for the transaction in my checking account and did not see it. I received a notification from my old financial institution that my account was in the negative by {$9.00} due to a transaction from Dovenmuehle and I had been charged a fee for {$32.00}. 
This was in addition to their attempt on XX/XX/2023 due to my failure to provide the updated checking account information. 

When I called XXXX XXXX XXXXDovenmuehle Mortgage, INC today , the customer service associate I spoke with would not listen to me when I was trying to explain that they had tried twice to withdraw the funds from the old checking account. I gave up and asked for a supervisor. I was transferred to XXXX. XXXX was rude and spoke over me. She could not explain why I was told my correct checking account would be billed for the XXXX payment on XX/XX/2023 when I provided the new checking account information on XX/XX/2023. I felt that I could not trust XXXX as she seemed to not believe that they had attempted to withdraw the XXXX payment again or that I was told that. She wouldn't even take a payment from me. I asked to be made whole for their error and have something in writing so that I could get the {$32.00} fee from my bank for their 2nd attempt to be refunded to me. I had her spell out the email address as she refused to do anything via phone and it had to be in writing. The email ended up being returned as not delivered. I found a way to access XXXX XXXX XXXX directly and sent a message to them and have never heard back.

Company response to consumer: Closed with explanation