BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammer reached out via XXXX. Scammer sent checks via email, requesting partial payment via XXXX  and XXXX. XXXX XXXX was sent and money was transferred. Chase bank then said all checks had bounced and that money was not recoverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
{$21.00}, XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: SYNCHRONY FINANCIAL
State: FL
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, this creditor, the ( Amazon Store Credit Card ), has violated my rights under Title 15 USC 1681, Section 602, which states I have the right to privacy. Additionally, 15 USC 1681, Section 604 ( A ), Section 2 also specifies that a consumer reporting agency can not furnish account information without my written instructions. Under 15 USC 1666b, the ( Amazon Store Credit Card ) may not categorize a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2021-06-12
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a online checking account with citibank at the beginning of 2021 and since then have been dealing with problems from them about new account fraud as so they say but I've sent them all my info ID, SS card, proof of address and they keep saying my info is not validated.ive called hundreds of times and they keep telling me ill receive something in the mail and never receive anything.they told me my account would be closed and a check sent to me within 30 to 60 days and 90 days later still nothing.they told me to get a verified phone number I did that and for some reason they still can't verify my info.they have been holding my government refund since XXXX XXXX need my money citibank should not be allowed to hold my money from me like this.i call them and ask where the nearest branch to me is and I'm told they have no idea.they supposedly work for citibank but can't tell me where the nearest branch is XXXX.it took them 2 1/2 months just to send me my debit card.my online account says I have funds available but when I try to use them I get a error how are my funds available but I can't touch them.please help me get my money back im tired of this nonsense from a XXXX bank.

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 2021-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021, I added my Capital One XXXX  One card to my XXXX Pay portfolio prior to attempting to make a purchase. As part of this process, I was required to undergo a series of verification checks both with Capital One and XXXX Pay. 

Shortly after, on the same day, I attempted to use the XXXX Pay option at Walmart. The payment process was not completed and the POS directed me to call Capital One. I called Capital One and after going through a series of prompts I was connected with a man ( I do not recall his name, but he was the only male individual I spoke with during this ordeal ). I explained to him what the problem was. He asked for my account number, I advised him that I did not have the card number present because the card was part of my XXXX Pay portfolio. He then asked for my Social Security Number. I advised him that I was standing in line at Walmart and that I did not feel comfortable speaking out my Social Security Number in line at Walmart. As a past victim of identify theft ( I am still dealing with something that happened over a decade ago ) that option did not sit well with me. He then said that he would not be able to assist me. Since I had no other option at that point because I needed to complete the transaction, I read my social security number out loud in a line of customers standing behind me and a Walmart cashier. This is at least 7 people who, if they were paying attention and wanted to, now have my social security number. Thank you Capital One for being customer focused and friendly and for being my partner in maintaining my privacy and security. I salute you. 

Upon receiving my social security number he placed me on hold for about ten ( 10 ) minutes and the call disconnected. Please remember, I am standing in the line at Walmart with customers standing behind me. I then attempted to use my Capital One XXXX  business card. Since the whole idea for me making this purchase was to purchase late XXXX gifts for a group of clients, it made sense for me to use that card anyway instead of my personal card. Perhaps the first card being blocked was some sort of divine intervention? No. When I attempted to use the Sparks card, I encountered another problem. The cashier was not able to explain, but one item kept getting removed from the transaction. After holding up the line for almost 20 minutes, I went ahead and used my XXXX XXXX card to complete the transaction. 

Later I contacted Capital One again and had to undergo a series of verification checks including sending in a copy of my Driver 's License to verify my identity. This is crazy because even though I sent in my Driver 's License, you still don't know that it is me. All you know is that you received a copy of my Driver 's License.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with transunion. checking my file ive noticed alot of errors that are causing denials on my credit report an are not following the laws in place. none of the data matches all 3 credit reports. please reveiew an remove the information filed as asap.

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 2023-10-26
Company: National Credit Systems,Inc.
State: GA
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:
NATIONAL CREDIT SYSTEMS clearly did not validate this debt because they referred to me as XXXX XXXXXXXX in their response to my most recent communication. This proves they did not Re investigate this account in order to validate this debt. NATIONAL CREDIT SYSTEMS needs to provide proof that I am a XXXX  or delete this account from my consumer report immediately. I have proof in the attached screen shot that they have been reporting the debt of a XXXX which is inaccurate reporting after they claimed this debt had been verified by the original creditor. This was a blatant XXXX and I will be seeking damages as permitted by the FCRA for the willful non compliance reporting that has caused me financial and physical harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: OH
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:
THE XXXX ACCOUNT HAS BEEN PAID IN FULL PLEASE SEE ATTACHED RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have found a collection account on my credit report in XX/XX/XXXX. ( I pay everything on time. ) I have disputed the charges with all XXXX credit bureaus. XXXX and XXXX took it off after investigations but XXXX did not.

This moth ( XX/XX/XXXX ), I have received a letter from PMAB LLC collection agency the first time, likely due to my dispute at the XXXX, but the phone number or address of the medical service provider was missing. I did not recognize the name of the doctor 's office neither any services or charges.

I immediately called the collection agency and asked for the phone number or address of this medical office. The collection agency agreed to provide it the next day but they have never called. I looked online by the name of practice and the last name of the doctor on I could find as an identifier and found this group of doctors was located in a town I have never been ( three hours away in the neighboring state and multiple visits ), I have never seen this doctor, never received medicare nor have I ever received home service.

I have health insurance through work ( same for last 8 years ) I have the same phone number for 20 years and my address could have been easily found on the web yet I was never notified about these charges. My address shown by the doctors were also old from years before they claim the service was provided. Drs always verify insurance and address.

There must be a way for the collection agency to bear the responsibility to investigate upon request and the drs office to reach the accused before making false claims. XXXX   said the collection agency bought this debt so I should not go back to the doctors. I wonder if the drs office knows about this at all and the money channels somewhere else in cases like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I placed a request for a transfer on funds to XXXX XXXX XXXX XXXX on XX/XX/2023. I put a reminder on my " todo '' list to remind me to watch for the transfer. Late that night, approximately XXXX I received a call from Chase Bank ?. They did not identify themselves, but said they had some questions regarding my transfer request. If you read my complaint from XX/XX/2023, there was some suspicious activity regarding a call from Chase Fraud and I did not want a repeat of that conversation which included providing ways to identify myself in three different ways to three different people and ended with me being told I am uncooperative and I would have to go to my local branch with two forms of identification ; in which I did. This time I refused to answer their numerous questions and hung up. I do not know if it was Chase Bank, but I suspect it was. On XX/XX/XXXX, I verified my account online with Chase Bank. They put two deposits into the receiving account and then take that amount back. I then sign on to my Chase Bank account and put in the two amounts that were deposited into XXXX. On XX/XX/2023 I checked my account and it said it was under " review ''. Today, XX/XX/2023 it changed the date requested to XX/XX/2023 and now states " we rejected this transfer ''. This is the 2nd time there have been suspicious changes to data in my account. The other was a charge through XXXX XXXX in XX/XX/2023, and the responses from Chase have barely been adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had mortgages for condos before and we have NEVER had the problems that we are having with this new loan through Suntrust/Truist Bank. I keep getting letters that they are going to purchase insurance for for us unless we submit proof of insurance. I do that and they send me another and another with dire warnings. First it is for unit and flood because there was some sort of mix up and they didn't get info at closing, ok. The next was for condominium master policy which is paid by the association and covered through our HOA dues. They want us to submit proof every year that the association has insurance or they will purchase a policy for us so that we would be double paying. What? Now they are telling us even though XXXX sends them the bill every year, we have to contact Suntrust and tell them that we are renewing with XXXX for flood and wall to wall or they will automatically purchase their preferred insurance for us. In essence, we have to contact them XXXX times over the course of a 30 yr loan. They can not put it in their system to automatically pay XXXX every year unless we tell them otherwise. This is a scam.

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 2018-04-09
Company: AR Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong year 1976 its incorrect theres incorrect addresses, theres incorrect information being reported by third party creditors who I dont own

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX, XXXX  and TransUnion has fraudulent charges on my credit. The company that reported this XXXX XXXX XXXX in XXXX was involved with corruption and I exposed their unethical business practices. There is no court order for any {$3000.00}. I paid my rent on time every month for 9yrs and have an excellent credit except their derogatory and fraudulent report of over {$3000.00}. This company was robbing rich students, tampering with Federal mail, going in units when residents not home, forged signatures on documents, manipulating and intimidating using police to do their dirty work. XXXX XXXX was the manager and was fired after I exposed to various organizations. FBI, news media and other social media. XXXX XXXX XXXX is evil wicked and greedy for money. These reporting agencies are reporting inaccuracies. This fraudulent charges was retaliation for exposing them. XXXX XXXX XXXX in XXXX placed brown newspaper to cover their office windows then painted it half white so no one would see their staff. Then changed their name to fool people. They are located at XXXX XXXX XXXX in XXXX, Mass. They are the same company but change their name to fool people. They are charmers, deceptive evil, wicked and greedy robbing rich students and turn on American citizens.

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 2019-04-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018, I opened a Chase XXXX account in response to an emailed promotion sent to me ( see attachment ). The promotion states I would receive a {$220.00} bonus to my account after depositing {$15000.00} and maintaining that balance for 90 days, amongst other terms. 

Last week, XX/XX/XXXX, I noticed I had not received the bonus, and sent a message to Chase support asking for the status. Support said my account showed no record of this bonus, and they were unable to help me. I requested to escalate to a supervisor, but the response was the same. 

I am very disappointed that my account was not credited with the bonus after opening the account through the marketing email and following the requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have a couple inquiries on my report that are not mine. 

Cap one na, XX/XX/18 credit plus, XX/XX/18 Late pay XXXX XXXX XXXX XXXX, XX/XX/18

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am being harassed, threatened, and my private information is being sold to companies that I did not give consent to contact me. I dont feel safe anymore and my personal property was stolen because Santander consumer Usa has shared my private information with 2 other companies and I have an active cease and desist out against Santander . My car was stolen from in front of my friends home on XX/XX/XXXX after Santander violated my right to privacy! They sold my information to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never gave them consent to give out my location information or any of my personal private information to these companies! This is my third complaint against this company with the cfpb and they are continuing to threaten, harass, and abuse me. I dont feel safe with this company continuing to violate my right to privacy along with the numerous other federal laws that they are violating! I have sent this company two affidavits of truths that were never rebutted and a cease in desist. Ive also asked this company for verification of the debt? They have directly violated the fair debt collection practice that states if a debt is disputed the debt collector shall cease collection of the debt. The debt was disputed in XXXX of XXXX and within the affidavit I sent them I specifically requested that my information not be shared and they have not only shared my information with these two companies that came to my friends house and stole my car but also have been reported on my credit report. This is ridiculous the amount of harassment I have endured from this company. They illegally repossessed my vehicle and is threatening to sell my vehicle at an auction on XX/XX/XXXX. And I demand that my vehicle be released and returned to me. I have lost out on business due to my car being stolen and this has caused alot of mental anguish. The company is trying to provide a deceptive contract as validation but I asked them for verification and they never responded. Santander is participating in racketeering activities!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Bread Financial Holdings, Inc.
State: TN
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:
Please refer to previous complaint number XXXX Regarding Company Comedity XXXX XXXX. 
Account was paid in full XX/XX/XXXX. I over paid and received a refund. I wrote and mailed a certified letter to the company Comedity XXXX XXXX to close my account. At my request. I received a letter stating my account was closed due to too many inquiries. 

I checked my credit report from XXXX. It now indicates a credit score of XXXX. XXXX claimed that the company Comedity had not reported on my account in 6 months. I have proof they did. 

My XXXX  credit reports also indicated that the company Comedity XXXX XXXX pulled a hard copy of my credit history XX/XX/XXXX. I called XXXX  to find out why this company pulled a hard credit on me. The account was paid in full 12 months early and closed. I was told I had applied for credit again with this company. That is false. I paid this off and closed this account. I also ask that XXXX note my only 90 day past due period was due to a natural disaster, Covid. Ive never been late prior on this dental XXXX, Comedity XXXX XXXX. I was excused one month without penalty due to being in good standing. The next month they refused to lower my payments stating this dental bill was a digital credit card. It was not. I do not own a credit card of any type. Comedity XXXX XXXX indeed report my account to XXXX during the past 6 months and I have not reapplied for credit. The hard pull should not have been made after I paid the account off 12 months early and closed this account. XXXX  refuses to fix my credit.

Company response to consumer: Closed with explanation