BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Officer, XXXX you every thing is going well. 
I am the XXXX XXXX XXXX owner, my name is XXXX XXXX.My Employer Identification XXXX. My passport number is XXXX from XXXX. Now I have a big problem I need you help. 
In last month XXXX I want to open a business account in Chase bank, and I asked the banker if I can get a new bank account for my company, the banker told me yes, I could have an account in their bank, and I need to close the XXXX XXXX XXXX  account I opened before, make a cashier 's check and give it to them, and deposit it into the new account they opened for me. After about three weeks of processing, they still can not open my company 's account. I have now closed the XXXX XXXX XXXX account, which has had a great impact on me, although I spend so much time and energy to deal with these things, but the result is XXXX. More than XXXX dollars still pending, I can do nothing with my business, I can't recruitment staff and any payment. My company can't run as well. 

Best wishes! 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Factor Trust
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX along with their affiliate XXXX processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my XXXX report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Early Warning Services, LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A fraudster claimed to a puppy breeder charged and asked me to transfer XXXX $ for the puppy fee including the shipping. Transfer this amount of XX/XX/XXXX on XXXX the breeder confirms that they have registered the puppy at a shipping agency and they would ship the puppy soon. 

However, the shipping agency reaches out to me saying that the puppy is not in a shippable crate and can use their crate for it to be shipped out for a refundable deposit of XXXX $ transferred this amount on XXXX however the puppy never arrived. 
I used Zelle from XXXX mobile app, Reached to XXXX XXXX and they say Zelle is the third party and they can not help any third party transaction and Zelle says we have to contact the bank to revert the transaction. 
Its been a wild goose chase, either XXXX  nor Zelle want to help me, all they can say is, unfortunately, we can not help in this situation Zelle case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-08-08
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX  and 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 2019-03-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My card was compromised and had an ATM deposit that I didnt make as well as {$2800.00} in Withdrawals that occurred on XX/XX/2019 throughout the day in XXXX talked to the bank and they felt to need to tell me I was a liar through the phone and dont do anything about the money thats been stolen.

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 2023-06-16
Company: Affirm Holdings, Inc
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX Affirm , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX You are in Direct Violation of The Fair Credit Reporting Act ( AFFIRM INC & Account # XXXX ) has violated several of my rights. 
XXXX6 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BARCLAYS BANK DELAWARE
State: FL
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:
A fraudulent charge on my credit card in the amount of {$5200.00} that occurred back on XX/XX/2023. 

The credit card is a JetBlue Plus World Elite Mastercard and the Bank is Barclays Bank. 

I have had nine ( 9 ) different communications with Barclays since filing an initial complaint back in XXXX. 

Their initial position was that the charge wasn't fraud, it was a dispute. The fraudulent company represented themselves as " XXXX XXXX XXXX '' and the credit card showed a phone # of XXXX XXXX XXXX. If Barclays Bank merely called the phone # on their statement, they would have confirmed that the charge was from a travel agent in Texas. XXXX XXXX has confirmed to us that the charge wasn't XXXX and the charge was fraud. 

Despite our efforts to resolve this matter, Barclays has advised in writing and phone conversations on seven different occasions between XXXX that the claim was still under investigation. 

The Barclays Fraud case # is XXXX XXXX and 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 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have repeatedly reached out to XXXX XXXXCapital One Card to understand and reconcile a fair minimum payment that is due each month, but they refuse to lower my minimum payment. The minimum payment they expect each month is extremely high, egregious and unbelievable. I asked if I could pay {$560.00} each month for the remaining 11 month interest free promotion and they said no. I need to still eat and pay my mortgage, electricity etc. It's like they are forcing me to pay off my card in less than twelve months by having me pay {$830.00} per month. I've repeatedly shared I'm not dismissing my responsibilities and they are still getting a substantial amount of money each month. I didn't pay {$830.00} for the month of XXXX and I was only able to pay {$600.00} for the month of XXXX. I have a 100 % on time paying rate and now my credit score is going to be adversely effected by what's going on with XXXX XXXXCapital One Card. This is not honoring a true 12 month interest free promotion card. I don't know what this is or should be called. I have never had issues with a credit card before in my life like what I am experiencing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid 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:
Barclay bank has a credit card named XXXX. 

I have this card probably more than 10 years. 

in XXXX they sent me a promotion letter with blank checks. I wrote a {$6500.00} check to myself and deposited into a XXXXXXXX XXXX account. And the check bounced. Called Barclay, was told the check only can be used to pay other credit card. Checked the checks I received, it says deposit into any bank account or used in any way as a check. 

Called several times and was handed up several times, usually after waiting in the line for more than 60 minutes. Finally reached an oversea call center was able to leave a note in my account that I called. I believe it is XX/XX/2021. 

Late on I was able to use the checks to make two balance transfers to my bank account. Therefore those checks are only good for other credit cards is not true.

Then the Barclay bank didn't send me my May 2021 monthly statement and got a call today that my account is over due. Able to pay the monthly payment by calling them.

Now let us talk about the damages by Barclays Bank 1. There is a check bouncing fee charged by XXXXXXXX XXXX that is {$12.00} on XX/XX/2021 2. Because they didn't send me the statement, they charged me a late payment fee {$29.00} on XX/XX/2021.

3. total {$41.00} so far.

4. There is very possible more damages will come in the future.

I have with Barclays for more than 10 years, I have never been late with their payments!

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 2023-06-16
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

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. XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX # XXXX 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. 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, 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 have received multiple inquiries on my credit profiles. From unknown sources.XXXX, XXXX, TransUnion in the past. I was victim of my identity and personal information being exposed. Only hard inquiries should be on my report is XXXX. XXXX XXXX  on TransUnion, and XXXX XXXX. On my XXXX  profile. I since placed security freeze on my profiles. Attached to this complaint is police report, and fedral trade identity theft report number.. XXXX is knowingly reporting over XXXX fraudulent hard inquiries. Address that dont match my id. XXXX is also still blocking me from see my credit report after I purchased the monitoring subscription through XXXX 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 2023-06-16
Company: CarMax, Inc.
State: VA
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CarMax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Carmax & account # XXXX ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
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:
I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a XXXX, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, XXXXXXXX XXXX reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their geoblocking.

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 2020-01-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Wells Fargo in XX/XX/2019 and asked about my options during my anticipated XXXX  leave ( XXXX  due date was XX/XX/2019 ). They stated that I should call in XX/XX/2019 and my account could be placed on temporary forbearance for three months ( as I would not have any income ). My XXXX  XXXX  a month early in XX/XX/2019 and I called Wells Fargo. At that time they stated that I could only put my account on forbearance for two months ( XXXX - XX/XX/2019 ). I did not argue with them, even though they originally told me three months. They also stated that during these two months I could not release my co-signers, which I stated would not be an issue. I asked if this was possible upon starting my payments again ( which I did in XXXX ) and they said yes. I called in XXXX after my payment was made and they told me that I was unable to go co-signer release because of my forbearance. This is NOT the information they originally told me and I took it up with their executive office. Wells Fargo stated that they would call me within 10 business days to discuss this matter. I have paid my loans, on time, for 2.5 years and now I am being discriminated against for being XXXX/XXXX XXXX XXXX and not having income? This is absurd and they are not willing to work with me. I also contacted the state, who gave me your information. Please help, as I would like to release my co-signers. I asked about refinancing as well, but my payment would go UP which I can not afford. Again, this is discrimination AND false information. I am not pleased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice from this Law Firm via mail I have received calls since I have hired a Credit repairing non-profit company due to the current situation in our country, they submitted a Power of Attorney so that I can try to mitigate my damages in my credit and it was rejected the agent from the XXXX XXXX ( Credit Repairing Services ) was told that they could not communicate with them unless He was a licensed Attorney that it was XXXX XXXX Policy He told me and they will provide that in writing and they refused to do so they asked for his full name, which it is irrelevant since they submitted a Power of Attorney in fact on my behalf, they even had a representative by the name of XXXX XXXX whom is not an Attorney who is not an Attorney working the account why would they have an non Attorney worked the account and not talked to my agent/representative He asked if they had the policy in writing but they refused to do so they said it was XXXX Policy My Credit Repairing Representative called XXXX and they said they do not have such a policy they still refused to communicate with me unless I am represented by an Attorney, Which I believe that is a violation of my consumer rights I am seeking a resolution to my current financial situation I am self employed and have been impacted by the current Covid19 Situation, further more the representative did not give my agent the Mini Miranda Disclosure as required by The FDCA, I would like to resolve this situation but I should not be forced to hire an Attorney as it was clearly stated by the representative who told the agent I must have an Attorney if I have a Credit Repairing Counseling Agent, that violates my rights as a consumer, I can not afford an Attorney only Non-for profit Credit Counseling, that fact that they demanded that I have an Attorney is not lawful within my consumer rights, They said my Repairing Counseling agent should hire an attorney which I can not afford attached is documents if you would like more info please let me know the agent was directed to a XXXX XXXX at the law firm by XXXX XXXX a non Attorney representative if this account is only handled by an attorney the representative told The XXXX XXXX ( Credit Repair Serivices ) He needed to know if he was an Attorney or not. 
This is not right please help I know this law firm has been noted for very suspicious and unethical practices with their staff. 
We have dates and time when we called and they also have recordings as they must keep by law. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, I tell you that out of nowhere I can't withdraw my assets because Coinbase decided to restrict my withdrawals without any explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank sent a notice via USPS mail that after an internal review they are going to close my account. 

I called them to find out the reason why my checking and savings accounts are being closed. Unfortunately, no one was able to give me a straight answer. I called the branch and they asked me to call the customer service, who told me to call XXXX XXXX XXXX XXXX who first told me to call the customer service and then asked me to call/visit the branch. This completing a full circle of run around. 

During this entire process, none of the agents could tell me exactly why my bank accounts are being closed - I did not have a negative balance, no overdraft, no bounced checks, a 10+ year relationship and additional Citibank products in use as well.

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