BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was a Chase Bank credit card customer. 
Yesterday, Chase Bank closed all my credit card without any notification. 
Next day, I called to Customer Specialist and she said my account was closeddue to 1 ) Limited credit history, 2 ) High utilization. 
I could not understand XXXX reason to close my account. 
1 ) Limited credit history? 
This credit factor was already reviewed when I applied the credit card. 
They already knew my credit history. However, they closed due to limited credit history? 
2 ) High utilizationThe reason why I had a lot of expense is my engagement. 
Because me and my fianc planned to travel to other states. 
Also, when I called to the customer center and security department due to using my credit card, nobody told me about high utilization. 
I am really wondering why Chase Bank closed my account before due date. 
My due date is XXXX. And I could afford to pay full payment even month ( I made a full payment today ). 
Chase bank consider me as a risky person even though my due date is not coming? 
I think many people have a time to have a lot of expense. 
But I always using the credit if I could make a full payment. 
I am upset because they consider me as a risky person even though I can easily pay for it. 
The reason why I used Chase Bank credit card is that I would like to build good relationship with Chase Bank. After this event, I am searching similar case with Chase. And I was shocked there a lot of case they closed account WITHOUT NOTIFICATION. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. 
Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
To whom it may concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. 

I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX  days for this information to be sent to me. I have removed the account numbers as requested by you all at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a new savings account with Citi Bank in XXXX. 
I made deposits of : XX/XX/XXXX - {$6700.00} from XXXX XX/XX/XXXX - {$500.00} from XXXX XX/XX/XXXX - {$2500.00} from XXXX XX/XX/XXXX - {$440.00} On XX/XX/XXXX I transferred {$5000.00} from XXXX, which Citi Bank flagged as suspicious ( after accepting my {$5000.00} deposit ) and locked my account. On XX/XX/XXXX I received an email stating my account would be closed within 60 days. I have called Citi Bank numerous times and get different answers each time. I have been told twice, that {$0.00} was due to client. The lastest is that Citi Bank will send me a check for {$3100.00} within 10 days. When I asked about the rest of my {$12000.00} plus funds, I am being told that I must contact XXXX and XXXX for them to retrieve my funds, because Citi Bank will not mail me a check or return the funds to my accounts. It has been over 3 months now and I have not received any of my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: MO
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
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 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 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 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 2022-07-07
Company: Experian Information Solutions Inc.
State: MA
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 Accounts # XXXX and Account # XXXX 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 non-monetary relief
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: IA
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 have no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately.

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 2023-01-01
Company: Prosper Marketplace, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX Bank, XXXX Prosper Market Place ( Prosper ), has violated the Fair Credit Billing Act. 

First, Prosper never sent my card in the mail. Several calls to the company in XXXX and XX/XX/2022 yielded no results. Prosper would always state they were not aware that the card hadn't shipped. So, not having a card available created a problem when I needed access to the credit line, so I decided to close the account. I would make payments whenever I could call in and had time for the XXXX hour hold time. I had contacted Prosper several times afterwards asking for a way to make the payments online and the company refuse to. Of note, Prosper did not report my payments to the XXXX credit bureaus. On XX/XX/2022, I received an alert from my credit monitoring service that a " new '' account had been reported as delinquent - causing a negative impact to my credit score.

Prosper has violated the Fair Credit Billing Act, 1666 ( a ) ( ii ), ( b ) ( 6 ) and ( d ) by failing to properly investigate my e-mailed complaints and requests, failing to transmit billing statements and restricting my ability to pay the remaining balance after reporting issues with never receiving the card and questioning the amount owed. 

I request the CFPB launch an investigation into the business practices of this company and hold them accountable.

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 2023-06-28
Company: Concord Servicing Corporation
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On three separate occasions, Blackwell Recovery has called my cell phone and then immediately hung up when I answer. When I attempt to return the call, I am placed on hold for 3 minutes, and then hung up on. I know that it is Blackwell Recovery, because they identify themselves that way on the automated answer to my call. I don't know of any account that I have in collections, and I don't know what Blackwell Recovery believes I owe, or how much they believe that I owe, because they refuse to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
transunion and XXXX are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is XXXX XXXX. XXXX  XXXX  also reported duplicate accounts and now i am having trouble getting those XXXX accounts removed. i sent the credit bureaus the proper documents. XXXX XXXX and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with XXXX  and hopefully XXXX  has put XXXX out like i requested since i reported both companies the nc doj

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 2023-08-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate and the date last reported is not accurate, this is ground for removal. they also violated my rights under XXXX5USC1681 section 602A. states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions. also the credit bureas took more than 30 days to complete my investigation which is clearly against the laws and against my rights.

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 2023-01-01
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have not received any confirmation on how the company have validated the alleged account reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully Defamation my Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, also Fair Credit Reporting Act 15 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 168in ]. The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. *** ( copied from the affidavit attached ) ***

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 2023-10-10
Company: EQUIFAX, 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:
XXXX, Equifax and XXXX have NOT been accurately reporting my credit report. They are not reporting my XXXX XXXX Credit Card history of 13 years, 6 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$910.00} ), XXXX XXXX XXXX ( Opened Sep. XXXX, XXXX, Balance {$450.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-09-05
Company: Experian Information Solutions Inc.
State: PA
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 submitted a dispute as well as an FTC report for fraudulent accounts listed on my credit report. There is one that still has not been removed. 

Experian : XXXX XXXX XXXX {$340.00}

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 2023-01-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, we sent {$26000.00} from XXXX XXXX XXXX  to a JPMorgan Chase Checking account through an ACH transaction. The money was transferred through a 3rd party, XXXX. Typically, an ACH transaction takes 3 to 5 business days, which means the money should have arrived at JPMorgan Chase on XX/XX/XXXX. On XX/XX/XXXX, the recipient informed us that the money had yet to arrive. On the same day, we realized the recipient we had been in contact with was a fraudulent spammer, impersonating the actual recipient through a spoofed email address and duplication of invoices. We informed our bank, XXXX XXXX XXXX, and the 3rd party processor XXXX.XXXX  of the fraud case, and they issued a formal Fraud LOI Reversal correspondence to JPMorgan Chase. However, as of submitting this complaint, JPMorgan Chase refuses to respond to the LOI. Based on our evidence, the money was never sent to the fraudulent spammer, and JPMorgan Chase still possesses the fund. The evidence is 1 ) After seven working days, the fraudulent spammer complained that they didn't receive the fund. 2 ) When we communicated with the local Chase bank branch where the recipient bank account was located on XX/XX/2022, they informed us that the account was already closed and marked as fraud. This complaint is against JPMorgan Chase, which refuses to cooperate with the Fraud LOI request and does not officially clarify the fund 's status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I signed up for automatic debit for my repayment through my checking account. My payment was due XX/XX/23 and when I checked my account on XX/XX/23 it said my payment was late. Fearing hurting my credit, I did an immediate payment. On XX/XX/23 they debited both payments from my account. 

I called to refund one of the payments and after waiting over 2 and a half hours I was told the best solution was to report an unauthorized charge with my bank. They said it would take over 45 days for a refund and was not guaranteed to go through. They blamed the double payment on banks being closed Monday but it was a direct withdrawal from a banking account and both withdrawals happened within seconds of each other despite being 3 days apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Coinbase, Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX at XXXXXXXX XXXX on XXXX XXXX XXXX, XXXX FL, XXXX, I attempted to use my Coinbase-issued XXXX XXXX  card at a XXXX XXXX ATM machine . Coinbase advertises that their debit card holders can withdraw money from most ATM machines and the only fee is the ATM fee. I attempted to withdraw {$900.00} in which my Coinbase account had over {$1400.00} at the time of the withdraw. Upon attempting the withdraw my account with charged for the {$900.00} but the money didn't come out of the ATM. When I contacted customer support 30 minutes after the withdraw they assured me the money had already been credited back to my account but it wasn't showing up. Coinbase has never denied that the money didn't come out of the ATM. 

It is now XX/XX/XXXX when I am writing this complaint. I have spent 7 hours+ on the phone with their customer support in over 20 different phone calls. They refuse to help me, their support is constantly hanging up on me even though I'm calm. I have been back and forth with emails 15 times or so and they are incompetent and refuse to look at my account to verify if what I'm telling them is true. It is the worst company I've ever done business with, let alone a financial company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my Paypal account. I am using my Paypal account for XXXX business XXXX XXXX since XXXX XXXX. My Paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For identity verification, I attached my valid ID. Please see attachment.

Company response to consumer: Closed with explanation