BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Dear Sir or Madam, In late XXXX / early XXXX this year, my renewal membership fee hit my British Airways Visa Signature credit card account and I was hesitant to keep my card open as I do not fly British Airways a lot and I was not sure whether it was worth keeping open with the fee. 
After speaking with a representative for XXXX minutes, he convinced me to keep the card open because of its numerous benefits including the ability to earn XXXX point per dollar spent. In his own terms, " this is a major selling point '' of this credit card as most other cards only earn XXXX mile per dollar spent. Following this conversation, I kept the card open and immediately paid the {$95.00} annual fee. 
Fast forward exactly XXXX days and the main perk of this credit card is cancelled. On XXXX XXXX, I received notification from Chase that I would now earn XXXX point per dollar spent on the credit card. Chase did not even try to offer me something in exchange, like an improved benefit. Nope. Nothing. I would have to bear this devaluation with nothing in exchange despite paying the annual membership fee. 
I mean, this was the number XXXX benefit of this card as no other airline co-branded credit card offers more than XXXX mile for dollar spent. And this, just 45 days after I spent time with a representative who convinced me to keep this card and pay the annual fee to keep this perk. 
In any case, I find that very unethical on Chase part. This is really a bait-and-switch game where customers are misled about the benefits of the card, are enticed into paying a membership fee to get the benefits, only to be disappointed later that those benefit no longer exist. I lived up to my part of the contract and I paid the annual membership fee. I was expecting Chase would do the same. 
My disappointment with Chase can be observed in my spending with this card. In 2014, I spent over $ XXXX with this card. This year, I put my card on the drawer following this change and have not used it since late XXXX when changes went into effect. This is my way of protesting these unfriendly business practices and after all, I can use my XXXX XXXX XXXX credit card. 
Still, I feel that I have been cheated and this is why I am writing. I am writing to get compensation for this. I paid the annual fee that promised me a specific bonus. But I have not been able to enjoy what I paid for. In addition, Chase changed the term of the contract a mere XXXX days after I spoke to a retention specialist, implying that he knew about the impending change but decided not to tell me about it. I think this behavior is unethical. 
My regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In dispute on my Transunion credit report is Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Transunion VERIFIES this account without verified proof of investigation, which is a violation against Texas consumer state law and Fair Credit Reporting Act. Additionally, In accordance with the Fair Credit Reporting Act ; 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Because the Courts and XXXX  Do not share this information.

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 2023-01-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother. Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  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 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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/2023, my Bank of America Visa Credit Card ( ending in XXXX ) was used to make the following fraudulent charges : 1. XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX - amount of {$12000.00} 2. XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - amount of {$110.00} 3. XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - amount of {$210.00} 4. XXXX : XXXX GA XXXX, XXXX, GA XXXX - amount of {$48.00} 5. XXXX XXXX XXXX XXXX XXXX, XXXX, GA - amount of {$43.00} These charges were reported as fraud to Bank of America on the same day, XX/XX/2023 ( Claim # : XXXX ). The two credit cards associated with this account were always in possession of the owners and were not used to make these transactions. 

In addition to being reported to Bank of America, a police report was filed with the XXXX Police Department ( Case # : XXXX ) and an Identity Theft Report was made with the Federal Trade Commission ( Report # : XXXX ). 

Bank of America has denied this claim twice. They conclude that the card and chip used for these transactions had to be the actual card. A finding that is impossible and one that I would deny and contradict under oath if needed. Additionally, they refuse to provide me with signatures used for these transactions and refuse to answer why a single transaction that in by itself is over the credit limit on this account of {$10000.00} was allowed to be made without any verification. 

Bank of America 's security features have failed to protect a loyal client of over 21 years and they are failing to take responsibility for their shortfall. I am requesting these fraudulent charges be removed from my account 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 monetary relief
Consumer complaint received 2023-11-18
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My Venmo account was suspended on XX/XX/XXXX without a reason. I had requested a reason for my Venmo account being suspended and the support agent said they did not have access to this information, and I would be given a reason in " 7-10 business days '', which is not a reasonable amount of time when having access to my money is involved. I had also submitted a request through their online portal and it said that they were going to respond in 24 hours. I still have not received a response. The amount in my account is {$310.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have attempted to do a lease buyout of my vehicle through a dealership. After getting the payoff and submitting those checks I come to find out there was a shortage so per Ally 's request i sent in that shortage. All this started late XX/XX/XXXX early XX/XX/XXXX. Come several months later now XX/XX/XXXX I call to find out what the delay is as the dealership that made the pay off check has not received title yet, Ally tells me they can not accept the check?! this is after 3 months they decide to tell me this! And only found out because i called they did not reach out. It has been WEEKS now and anytime i call in to get this resolved i am forwarded and forwarded to a different department. Nobody seems to be able to help out or know how to deal with matter. now XX/XX/XXXX it seems it has been assigned to a gentleman named XXXX XXXX or XXXX in the lease buyout department which can be reached at XXXX option XXXX whenever i call Ally tells me i can not speak directly to the person in charge of my case and i have to wait for a callback... it has been months and during this entire process i have never once received a call back i always have to call them and ask for an update which they can never give me. Also when i call the supervisor always seems to be on break and when i wait for the break to be over they are gone for the day. For example i called yesterday XX/XX/XXXX and XXXX was on break for 15 minutes from what i was told i waited those minutes and called back only to find out he left for the day... why wasnt that communicated with me when i was on the phone with the agent. Today i call and ask for a manager or supervisor and i have been told they dont work today... again why wasnt i told that yesterday when i told Ally i would be calling back today. All i get is the run around and they never fulfill with their promises of calling back and at this point it has been 3 months and ( 1 ) there is a check lost for {$45000.00} which they claim they sent to a chase bank but when i visited said bank, the bank said they never received it. ( 2 ) there is an outstanding balance on this vehicle that should have been paid off by now and title released. After all these months of battling they are letting me know that a possible resolution would be to start over and submit new payoffs BUT AT A NEW QUOTED PRICE THAT WILL INCLUDE FEES, INTEREST AND A LARGER PAYOFF ALL BECAUSE ALLY BANK FAILED TO HAVE ANY COMMUNICATION, PROCESS A PAYOFF CHECK FROM A DEALERSHIP AND NOW LOST A SUPPOSEDLY REFUNDED CHECK.

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 2023-07-04
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 NumberXXXX Account Name : XXXX XXXX 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.

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 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 2023-04-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a follow up to a previous complaint XXXX. I recently received a summons about this PayPal debt that I have said all along is not mine. Apparently someone started a PayPal credit card at an address in Iowa where I have not lived in 20 years. It appears to be a result of identity theft, though I see that PayPal Credit has a history of heavy handed debt collection tactics, getting consumers to sign up for credit unknowingly and without their consent, and similar tactics. I contacted PayPal Credit customer service and started an investigation into the identity theft. My reason for contacting CFPB is just to alert the authorities about this situation to keep everything above board. Attached is a copy of my reply to the summons I received and submitted to the clerk of court, as well as the article I found about CFPB taking action against PayPal Credit under suspiciously similar circumstances to what I am currently facing.

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 2016-11-01
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being brought to court for a debt that has been paid and removed from my credit report 6 months ago. Just last week I got a summons to appear in court to pay a debt that has already been satisfied. Now my credit score is down. How is this legal? If I do n't go to court the law will favor the collection agency and garnish my wages. Yet I 've already paid this debt, and have proof of payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
on XX/XX/22 I disputed negative student loan accounts on. There are upwards of XXXX plus marks that are hurting my credit history. These Transunion and XXXX have both deleted positive accounts on my report that were not suppose to be removed and left all negative accounts that I did dispute on my report. This was not what I ask for these companies to do. XXXX as always has yet to respond to any of my demands. These companies have not been playing fair or even taken any of my demands seriously.

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 2022-03-15
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this claim myself and no third party is involved. I, XXXX XXXX as a natural person, and consumer was injured, harassed and abused by LVNV FUNDING LLC on several attempts to collect on a debt, using profane language and unfair collection practices. ( See Exhibits ) I received numerous violations through via mail. I requested validation of the debt on XX/XX/2021, they sent account summaries which isnt debt validation. 
( See Exhibit A-O ) With further harassment, after the agreement of confirmation of receipt of the validation of the debt ; the debt collector, LVNV FUNDING LLC knowingly and willfully continued to reach out to ask for payment of this debt. ( See Exhibit A-O ). LVNV FUNDING LLC has violated multiple laws in accordance to 15 USC 1692. ( See AOT ). My AOT WAS NOTARIZED AND SIGNED AT XXXX  and mailed off from there. Receipt is provided below. They also use different names such as Resurgent Capital Services which are debt collectors collecting on behalf of another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: DE
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 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.

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 knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-17
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I promptly caught an unauthorized fraudulent charge on my PayPal XXXX ( Virtual credit card number ) and it was subsequently dropped by the fraudulent vendor and never charged ( see attached Ex 3 ). The PayPal agent suggested I delete the PayPal XXXX  and he reassured me that it would be reissued and recovered in my account which was also stated in an email I received from PayPal ( see attached Ex 1 ) Furthermore, on XX/XX/XXXX the PayPal XXXX  button reappeared on my phone app but when I clicked on it to reinstate my PayPal XXXX  it went into a loop. ( see attached Ex 2 ) Unfortunately PayPal 's overseas customer service agents can't help me and this is why I'm filing a complaint. They messaged that I have to establish a relationship to get a PayPal XXXX but I have already had one for a while and have been an active customer since XXXX! 

They told me and sent an email in writing that I can reinstate the PayPal XXXX but are not honoring their word! ( see attached Ex1 ). Furthermore, the PayPal XXXX consumer rights are ambiguous and totally unclear. How can they recommend me to delete my PayPal XXXX and yet be unwilling to reinstate it? That is in effect punishing consumers for doing the right thing! 

All I want is my PayPal XXXX functionality reinstated so I can get a new PayPal XXXX number. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is in reference to my last complaint # XXXX, I was working with XXXX XXXX to rectify the foreclosure that was filed against me. I had until XX/XX/2023 to submit the necessary documents, which were submitted on XX/XX/2023 to prevent foreclosure to receive loss mitigation. I corresponded with XXXX on XX/XX/2023 and I have not received a response to my inquiry and corresponded again on XX/XX/2023 to confirm receipt of the documents, as the loss mitigation fax machine was busy or not plugged in and I have not received a response. Since, the loss mitigation fax machine is out of service and I'm not sure if my documents were sent to the loss mitigation department, which is why I am sending a second complaint. On XX/XX/2023, I was served with a summons for foreclosure from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, while trying to reconcile with PNC. I need to know, if PNC is continuing to foreclosure on the property, while I am trying to simultaneously resolve the issue. That way I can prepare my family. I corresponded with XXXX on XX/XX/2023 and I have not received a response to my inquiry and corresponded again on XX/XX/2023 to confirm receipt of the documents, as the loss mitigation fax machine was busy or not plugged in to receive faxes and I have not received a response. Since the loss mitigation fax machine is out of service and I'm not sure if my documents were received is the reason why I am sending a second complaint since I have not received a response. In addition, I need to know if I am not qualified for the loan modification, and if that information is withheld from me, while PNC is moving forward with the foreclosure proceedings since I was served, is considered a violation of foreclosure fraud according to Maryland law. I need to know several things and I prefer for all correspondence to be in writing via email moving forward. First, if the documents were received. Second, if I still qualify for a loan modification, and last my request to withdraw the petition/summons for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: First Federal Credit Control, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receveid a copy of my credit report and found the following account that does not belong to me : FIRST FEDERAL CREDIT CONTROL, original creditor XXXX XXXX XXXX XXXX. I contacted the original creditor and explained that this debt is not mine. They agreed and told me I would need to contact the collection agency that is handling the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation