BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Around XX/XX/2023 a check in the amount of {$20000.00} was deposited via ATM and credited to my daughter 's checking account. ( I'm a signer on the account ) This transaction occurred in XXXX XXXX, we were XXXX miles away at our home. Three days later 3 separate withdrawals totaling {$3700.00} were withdrawn via XXXX. On the same day the bank realized the {$20000.00} check was fraudulent and debited the account causing it to be overdrawn. None of these transactions were done by my daughter or myself. Her accounts were hacked. I called the bank and alerted them. I was told that because her p i n was used the transactions were considered legitimate. XXXX was also contacted with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The response letter and statement sent to me via Registered Mail dated XX/XX/2023 is not sufficient evidence to prove validation requirements. Also noticeable was there was no notice of right to dispute on Bridgecrest response as well as sensitive account information was sent via Registered Mail displaying symbolism on envelope in an attempt to collect a debt which violate privacy laws. This is different violation concerning not statement on letter Right to Dispute

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 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause XXXX XXXX doesnt not have a physical address. My credit report is showing a late payment which needs to be removed

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 2018-05-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On or about XX/XX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX  XXXX XXXX never late XXXX  XXXX XXXX never late XXXX & CO XXXX never late XXXX   XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX   XXXX never late XXXX XXXX never late XXXX   XXXX never late XXXX XXXX XXXX never late XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized

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 2023-11-21
Company: Grow Credit Inc
State: TX
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:
I told company it was fraud and they refused to provide info or delete account. My information was breached in the XXXX breach and social security number was used

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: TX
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:
in XXXX and XXXX XXXX XXXX  and XXXXXXXX XXXX post late payment on my credit profile. I called the company and asked why was it posted on my credit profile without my permisson. I asked that they send me legitimate document from me giving thme permission to furnish this type of personal info to other who are not privy to it. they said that they didnt have to becuase its on the staement. I asked if it was a statement that they sent and they said yes, I said a billing staemment isnt authorization from me to allow them to see that information. that is personal and private and my rights under the FCRA Their violations include 15 USC 1681a Definitions, rules of construction 15USC 1681s2 Responsibilities of Furnishers of Informatiion to Consumer reporting agencies 15USC 1681 2 ( a ) ( i ) Exclusions

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX need to remove and delete late payments. They are not doing Their job at all. They have not sent me any proof at all. Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Response to CFPB complaint presented False and misleading statements made by Bridgecrest representative without confirming initiation of a transaction no made by me. Bridgecrest actions is in violation of defamation making a claim without evidence of statements made on XX/XX/2023.

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 2023-01-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is information on my report that is incorrect such as accounts late payments names and address i have sent out disputes via mail and i have Also sent info via email I hve also sent in sesc and desice letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Fidelity First Real Estate and Mortgage Inc
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fidelity 1st Funding withheld funds ( {$4000.00} ) in order for me to get a {$150000.00} loan for remodeling my home. I was told {$4000.00} would be held until I completed recommended repairs based on the appraiser 's report. The repairs were complete late XXXX/XXXX XXXX. I reached out to XXXX who stated it would be no issue to release the funds. I submitted pictures and receipts as requested and once again given the runaway. I was told I needed another appraisal which was not communicated to me at the time when I was told they would hold the funds. Then another individual XXXX started he did not care if I ever received the funds and would send them to the State of California for Governor XXXX to have. The entire loan process has been misleading. Every time XXXX assured there would be no problems, there were problems and miscommunications. The repairs the appraiser suggested were done. Not only were the repairs completed, but also approved by the City Inspector where I reside. There should be no need for me to pay for another appraisal when it's a matter of verifying the recommended were completed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX need to remove and delete late payments. They are not doing Their job at all. They have not sent me any proof at all. Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a place in XXXX XXXXn XXXX Texas. The place was infested with roaches when I began to move my things in. I went back to the office to tell them about the roaches and asked for my money back. I was told flat out No and i had to move in. Well I didnt and I gave them XXXX weeks to remove the roaches. After returning in XXXX weeks the place was still infested. I also filed a complaint with the health department of XXXX. The never returned my money and put me into collections for over {$400.00}. They never returned my security deposit or first months rent. I incurred more debt by having to stay in hotels

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 2023-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I called to cancel my capital one venture x credit card ending with XXXX to get my annual fee fully refunded. The representative helped me say I will get my annual fee back because I was within their time limit. The representative confirmed my annual fee charged time. The representative also explained how long the refund would take. 

On XX/XX/XXXX, I called again to follow up on my refund process. The representative also assured me that she would escalate the case and I would get my money back because it was within 40 days. She confirmed my annual fee charge time and card closure time. However, on XX/XX/XXXX, I was told that after review, I would not get my annual fee back because I closed my account 42 days after the annual fee was charged. 

I was misled by two of the representatives and left without a product to use and paid a whole year of {$390.00} annual fee. I demand to get a refund of my annual fee and ask capital one to not making customer to paid for their lack of coaching on their employee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Was in bankruptcy protection from XX/XX/2019 until XX/XX/2019. 
XXXX XXXX reported a late payment on my account during the automatic stay. 
The payment was not late and this violated the protection that bankruptcy provides.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
On XX/XX/2019, someone had stolen my American Express Platinum Card ( AMEX ) information and purchased over {$3000.00} worth of merchandise from XXXX ( XXXX ). I disputed this charge with AMEX and thought the matter ended. The fraudster tried to take advantage of the free shipping benefit associated with my card but forgot to change the address, so those items were shipped to me. I shipped these items back to XXXX because to keep them would be theft. When XXXX received these items for which I was not charged, XXXX issued me merchant credits which appeared on the statement associated with my replacement AMEX card. In a further attempt to do the right thing, I informed AMEX that these credits were issued in error. AMEX responsed by charging these credits back TWICE ( I.e. charging {$600.00} twice ( total {$1200.00} ) for a {$600.00} credit ). I have since called AMEX 11 times to get these erroneous second set of charges taken off. Each time AMEX representatives from both customer service and fraud protection team have given me reassurances that these charges will be removed, do not be worried but that has not happened - in fact, these charges got shifted to pay over time and dispute without my knowledge nor approval. Now, in the 11th call, I am informed that I am on the hook for the entire amount of the reported fraudulent charge. This has turned into an act of fraud against me, perpetrated by AMEX. Because AMEX is clearly running me around in circles, I feel the need to reach out to CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08
Company: AMERICAN EXPRESS COMPANY
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:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an account opened with American Express Bank XX/XX/2018 and a balance transfer was made using her information without her consent. An official dispute of this activity and account was sent to American Express Bank XX/XX/2018 however as of this date no reply or any outcome of investigation has been received. This is a violation of the FCRA and my client 's consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On several occasions I have bought different types of cryptocurrency from pay pal. Some of the time I am able to buy crypto and send it to an external wallet immediately after purchase without problem. But there have been several occasions when I could not send my crypto to any external wallet even when my account is in good standing with no limitations and it is a valid crypto address Im sending to. I receive and error message stating there was a problem and trying to send again may fix this problem. But when this happens it can last for days and even weeks and in that time my money is subject to the volatility of the crypto market if I choose to leave it in crypto or I am forced to pay PayPal a fee to sell. When I inform customer service of this problem Im told it is a security measure put in place to protect my account even though the error message I receive is stating its a problem and even siting what may fix the problem. Several times I have been forced to sell my crypto to be able to pay merchants or send to any external wallet and have never had any issues when I am selling it only when trying to send it. Each time I have to sell PayPal charges a XXXX $ fee. I feel like if I need to buy and send crypto paypal can force me to have to pay their fees by refusing to send it. So Im having to pay fees to buy them. pay fees to sell them and pay fees again to buy on another platform just to be able to send money. When I ask customer service to check into why Im unable to send the crypto Ive bought, Im told I to just sell my crypto and try again. This happened most recently on XX/XX/XXXX I bought XXXX $ of XXXX for XXXX and was forced to sell when when all my attempts to send failed eventually selling for XXXX and agin on XX/XX/XXXX again buying XXXX $ for XXXX and forced to sell for XXXX. These are not isolated incidents. I have had this happen with XXXX XXXX XXXX XXXX, and others. Other first time I encountered this problem I was unsure if was only XXXX  so I tried a couple different times also trying on the website vs the app and all in all that day I racked up over XXXX $ in fees alone from PayPal and finally just gave up amd I was never able to send any of it. I informed customer service again who said they werent liable for any fees I incurred as this was a security measure put into place for my protection. Ive informed them several times and never get any other explanation other than it is a security measure and they are not responsible. I dont understand that if its a security measure, why I would get an error message stating that there was a problem and trying again may fix the problem. I am not the only person that has had to deal with this as I have found many complaints from others about this on PayPals website alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: LEXISNEXIS
State: PA
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:
XXXX XXXX XXXX, will not comply, I have old addresses, I have address where I didn't live at, names spell wrong, USC 15 1681 602a I have a right to privacy,15 1681 604a I didn't give permission for any to have my report to view my report, I want to dispute, when disputing XXXX suppose to remove the negative item but XXXX don't want to remove the item, XXXX, and the secondary credit reporting agency is doing what they want to do, I have the right for my credit report to look the way I want it to look,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check with Bank of America for {$3200.00}, I received the check from a lawsuit settlement, the deposit was made via ATM. For some reason bank of America placed a hold on the funds untilXX/XX/XXXX. I called several times and received a different answer each time as to why the funds were on hold for such a long time, each answer sounded like a rehearsed script. On XX/XX/XXXX I emailed the settlement administrator and on the following day, XX/XX/XXXX, I received an email from the settlement administrator stating that there bank released the funds to bank of America on XX/XX/XXXX. But bank of America still refuses to release the hold.

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 2023-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted USAA credit card department on XX/XX/22 in regards to my USAA Visa credit card with them. The card is now at a XXXX XXXX interest and it is becoming harder and harder for me to pay this bill, especially when more than half of the payment, is going towards this interest. I explained to a representative my situation and that I needed to place this card under hardship, even if it meant closing/freezing the account, as long as I can get out of debt more realistically. The representative put me in a XXXX hold and later came back stating that unfortunately they did not lower interests for accounts. I asked XXXX more time that I understand but that based on my situation I understand if the account will potentially be closed, USAA closed my checking account with them already after more than XXXX XXXX of membership, so my only priority was to get out of the card debt sanely, and that I was not expecting to keep the account open for the payment arrangement so I would not be using it. She once again put me on a XXXX hold and came back stating that she was sorry but that the option I was requesting was not offered by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX this debt was opened and put on my credit report for {$5400.00}. Thus us not my debt I was given a document from the original creditor with a {$0.00} balance XX/XX/XXXX.

Company response to consumer: Closed with explanation