BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, an unauthorized transaction was made on my XXXX account for {$1900.00} dollars. The transaction was labelled as XXXX XXXX XXXX I did not become aware of the issue until several days later. I reached out to XXXX and my bank about this issue. Chase Bank is in the process of conducting an investigation into the issue. So far the bank has given me provisional credit, but they have not made the funds permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CMG MORTGAGE, INC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Wednesday XX/XX/2023 XXXX XXXX XXXX, Branch Manger ( NMLS # XXXXCorporate NMLS # XXXX ) at CMG Financial in XXXX XXXX South Carolina sent me a link to start the mortgage application process online. I completed the application the day it was received. I then sent a message to XXXX XXXX informing him that it was complete and asking for guidance in adding two co-borrowers to my application. After a week with no response I texted, XXXX XXXX and waited. I sent a text, no response. On XX/XX/XXXX, I sent him an email asking about his health. I assumed, maybe something was wrong with him or his family. After several emails, text messages, and phone calls going unanswered, I call his office receptionist. The receptionist forwarded me XXXX XXXX XXXX supervisor, a XXXX XXXX XXXX. I left a message with XXXX XXXX explaining my need and asking for a return phone call. As of XX/XX/2023, I have not heard from XXXX XXXX or XXXX XXXX, in affect they have " ghosted me ''. 
I submitted personal and financial information to CMG, I would like them to delete my information from their system and send me verification of the removal. 

I don't believe a reputable company would behave in the manner that these two have. Therefore, I have elected to not do business with them and want anything I have submitted removed from their data banks. I can't trust these people nor this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: TX
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:
In Accordance With The Fair Credit Reporting Act XXXX  XXXX XXXX A Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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 was email phished for a job as a Regional Branch Purchasing Manager in XXXX XXXX XXXX - US Branch. Through a series of interactions they convinced me to purchase XXXX Laptops from my local XXXX XXXX and ship them to a person and location in Florida. They assured me they would pay for the charges and provided me an account number to enter into my credit card payment. It looked like it was paying then a week or two later the payment reversed and their email and phone number no longer worked. I have the receipts both paper and email. I also have all the email correspondence. XXXX XXXX on XXXXXXXX for {$16000.00}. XXXX XXXX on XX/XX/19 for {$13000.00}. XXXX XXXX on XX/XX/19 for {$1300.00}. XXXX XXXX on XX/XX/19 for {$15.00}. USPS on XX/XX/19 for {$240.00}. USPS on XX/XX/19 for {$260.00}. USPS on XX/XX/19 for {$310.00}. During this time Capital One never questioned these charges and never spoke with me about the payments reversing. Up until this time I sporadically used the card and had a manageable balance. These charges in the month of May were over 3x what I had previously charged on the card for the entire time I had it. When I spoke to their fraud department they said since it was me who made the purchases they were not liable. I think they were and they failed to protect me and never questioned these unusually large purchaes or why the payments I made on their website were reversing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Chase Checking and Savings account on XX/XX/2023 with a promotion that offered the following : 1. Receive a bonus of {$300.00} when you open a Chase Total checking account and have a direct deposit post to the account within 90 days. 
2. Receive a bonus of {$200.00} when you open a Chase savings account and deposit {$15000.00} or more in new money within 30 days and maintain a balance of {$15000.00} for 90 days. 
3. Receive an extra {$400.00} bonus when you complete both of the above bonuses.

I completed # 1 and # 2 and received the bonuses for both. After completing both I asked why I have not received the extra {$400.00} ( # 3 ) and they mentioned they sent it to my Checking account but it got sent back since they closed my checking account after 60 days of inactivity despite their terms stating as long as you have at least $ XXXX in either a savings or checkings account ( for me it was in my savings ) I wouldn't have to pay a checking account fee. I was not notified my checking account was closed. They have its been almost a month now and I have not received the {$400.00}. I've been in contact with their online secure communications group and they keep mentioning they will get back to me within 5 business days but they never do and its been almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, my account XXXX was suddenly restricted, saying " Because you have continuously filed cases that do not align ... outlined in our User Agreement '', but since opening the account in 2020, I have been using paypal to buy goods normally, and I have not sold any goods and receive money, I don't know Why is my normal purchase of goods also considered to be a violation of the terms, is there any misunderstanding? If you need authentication, I can provide that, and up to now, in the past 3 years, I have only appealed 3 times, but I did file a complaint because the item was faulty and not received, 1 successful, 2 failed, The two times I failed I bought from XXXX, which is a second-hand trading site, but I was scammed by the seller Case ID XXXX, The seller sent me a fake, I submitted evidence, and you agreed to return the product, but you did not give me the return address, and I contacted the seller without any reply, and there is no entry on the appeal page to contact you, I can only fill in the tracking number and then send a message, but you did not reply, the case was closed, and the appeal failed. I just want to know the return address. I did not submit an invalid tracking number on purpose. Case ID XXXX, I bought a piece of XXXX clothes. The seller told me that he is also in OR state, and we can trade face to face, but for safety reasons, I asked him use XXXX  to send, but it has not been delivered. I checked the package is sent from PA state, I contacted XXXX, XXXX said that the sender of this package is XXXX, and I saw a newly registered seller on the XXXX  website selling the same clothes, the same pictures and descriptions, I realized that I was deceived, so I filed a complaint, but I don't know why I failed, I can provide more evidence, and you can also contact XXXX, I am telling the truth If you want more proof, I can provide it. I am using your service normally and have not violated any terms

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: CITIBANK, N.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I found out this year that I'll get a wage garnishment, I did not know it was for a credit card, i thought it was for my child support. So they took money from my work, then they took money from my bank. They won the judgment to small claims in XXXX county Nebraska and the judgement does not usually go beyond XXXX dollars. They took XXXX dollars total in wage garnishment, then they took money from my bank worth XXXX on my one account then XXXX which total to {$4100.00}. This is not justifiable. I do not know if I owe this money to begin with since I was out of the country when the judgment was made. XXXX XXXX is outrageous and unreasonable and taking more money and will not stop taking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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: Information belongs to someone else

Complaint:
i contact Equifax XXXX XXXX, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only Equifax did remove the public record but i still heavy other things its not my XXXX XXXX did not removed yet, XXXX needs to remove the Public record please im asking CFPB for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cavalry Portfolio Service is reporting an account placed for collection on my Credit Report for the last 5 years, 11 months. I have attempted to call Cavalry Recovery with no success. I have disputed the account through the credit bureaus as well, they are not working with them to verfiy the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The date of unauthorized transactions was on XX/XX/XXXX and XX/XX/XXXX XXXX my mobile bank account was hacked into. They changed my password and wiped out my account totaling {$310.00}. I kept calling Wells Fargo letting them know what was going on simultaneously when this was happening because I kept getting emails. I had to close both my accounts and disable my online banking but this took various calls meanwhile my account was emptied out for their lack of protecting me as a client.Wells Fargo Takeover team reached out to me to confirm that my account was hacked. They advert have my phone scanned. I am XXXX  XXXX and require XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I believe makes me vulnerable to fraud. I did not authorize these transactions done through XXXX. I also realized they added their phone number and email. I filed my complaint and in two days they determined the case and closed the claim. I called many times to advise my account was being hacked and they did not secure my account then they denied my claim. Im on social security and these funds are for bills. I need this to be investigated.

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 2023-06-03
Company: EQUIFAX, INC.
State: LA
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:
According to the account on XXXX XXXX XXXX XXXX was deleted XX/XX/XXXX, but remains on XXXX and Equifax. Also XXXX XXXX was closed off the XXXX on XX/XX/XXXX, but still remains on Equifax and XXXX. After it was removed on the XXXX they added it back to all XXXX accounts even after investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-03-11
Company: Phoenix Financial Services LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I came back from a few weeks out of Town. I checked my mails on XX/XX/XXXX and for the very first time I got this mail from Phoenix Financial Services Debt Collection at XXXX address : XXXX XXXX XXXX XXXX XXXX Fishers IN XXXX for the amount of {$2000.00} from a XXXX  XXXX XXXX Services way back XX/XX/XXXX. As far as I know I'm not aware that I owe any company or medical services such an amount. I never receive any bills from this company and from any collection agency in the past until this Letter from them dated XX/XX/XXXX for which before I even send back my reply -- They already sent a derragatory mark on my credit report. I have a good credit score history of XXXX plus then because of this my Bank alerted me of my credit report score declined due to this Debt collection report on my credit. I'm informed it's for an ambulance service for which I only had once in my whole life and it was medically necessary and I have a HEALTHCARE INSURANCE Benefits coverage throughout my life in the USA and it was covered and paid for by my medical insurance backed then because it was medically necessary ( i passed out ) Someone called the ambulance and I was treated in an emergency facility. Suddenly after too many years without getting any bills on that incident because it was all paid for as medically necessary this Collection Agency is ruining my life and I'm being destroyed that I owed this much. It's not right and it's not fair. Someone might be stealing my identity or using my past history to scam me? On that part I'm not sure what's going on but I'm totally disputing this action done against me by this collection agency. Please help inform and advise me on this matter. I need my credit report to get fix. I already disputed this to XXXX XXXX XXXX and in a process of filing a police report. I would need these Dispute reports confirmation document from your office to send to XXXX as they requested for it. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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 and 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It's been over 30 days and the creditor never updated information or provided proof or documentation in regards to the late payment marked on my account. According to federal law if they fail to provide this information and complete the investigation in 30 days this information should be deleted from my account as soon as possible.

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 2023-06-15
Company: EQUIFAX, 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:
This is my 3rd complaints that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
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: Investigation took more than 30 days

Complaint:
As per my previous complain I was advised by CRA to contact them and give them authorization to conduct investigation .I contacted them on XX/XX/2021 and gave them authorization to conduct investigation. 
Since its not a first time I request such investigation I assume the CRA has already enough evidences that they received from the furnisher to confirm accuracy of the reported account. 
Therefore I demand them to submit to me all such correspondence from the furnisher to me by certified receipt mail and send such copy to CFPB as well. 
I demand CFPB to notify me in writing that they did receive evidences from the furnisher submitted by CRA to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NC
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:
I reviewed my consumer reports and noticed I had late payments on accounts that I was never late on. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these were late. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts and delete the following late payments from my report XXXX, Equifax and XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof should be deleted, they still remain on the bureau illegally. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief