BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I received a phone call and had multiple missed calls from a phone call from a XXXX ( XXXX ) XXXX at XXXX | answered when I got the call again around XXXX and spoke to who I thought was a Chase banker reprehenSive who was stating they were calling from Chase fraud department due to non normal activity of XXXX different charges in XXXX, Texas that were trying to be made. I told them that wasn't me that i am not out of town. The person mentioned they were going to close my chase card and mailed me a new debit card and not approve the transactions ( normal banking conversation ) they then called me back to tell me the call was not successful and had to give me a temporary pin code for my new chase card that I could add to XXXXXXXX XXXX within the next 2-3 hours. We hung up and I thought my card was safe and was waiting to receive my funds back from the supposably transactions that were taking place in Texas ...... I had my XXXX boys football games at XXXX & XXXX that same day so l was a little busy with them. After the game we grab some dinner I check my account and noticed all of the withdrawals that had took place. I immediately called the bank at XXXX at XXXX ( XXXX ) XXXX and was concern on these transactions if my card was closed and a new one was on the way. The reprehensive I spoke to said they had no call record of me speaking with anyone carlier and the transactions were done with XXXX XXXX at an atm located at XXXX XXXX XXXX XXXX. I filed a claim with fraud department. Today I went into a Chase branch and spoke with a banker XXXX XXXX located at XXXX XXXX XXXX XXXX she was very helpful called the fraud department and come to find out the bank denied my claim to return my funds due to it being done with XXXX XXXX So they are trying to say it was possibly me. I contacted apple pay and they have no record of me ever adding my debit card to my XXXX XXXXXXXX. I would like the surveillance camera views and the person prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2022-12-23
Company: Experian Information Solutions 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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-03-18
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital one bank refuses to reverse nsf fees caused by a company whom I instructed to close my account. The company failed to do so and repeatedly tried to debt my bank. Capital one charged me for every failed attempt over nine times at XXXX $ each. Outrageous! There policy is because I authorized recurring payments. It was ok to bill me. Catch 22 for them to ROB me. 
Even though I opted out of overdraft protection!!! 

Now I ca n't even access my records on line. To challenge them because I get online statements that I ca n't see!!! 

Need help please. I am a disable veteran on fixed income. Ca n't pay bank robbers half my check. Smh XXXX XXXX XXXX retired

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention an ongoing issue regarding inaccuracies on my credit report, specifically with TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies, but to date, I have not received a response. The details of the erroneous information and the necessary corrections are outlined below : The account listed as XXXX XXXX XXXX Opened : XX/XX/XXXX, XXXX : {$0.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$8000.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00}, Original Creditor : XXXX XXXX XXXX ) is not mine. Please remove it from 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 2023-03-13
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime reached out via email asking for proof of identity, or they were going to lock my account. I was surprised because Ive been a customer for four years, but knew I needed to send my license ASAP. However, I have XXXX kids, including a XXXX  and XXXX  so I forgot. When they closed my account, I immediately remembered and sent them the document they asked for with an apologetic email. They replied asking for more documents ( utility bill, social security card, etc ) so I sent those as well. Ive received virtually no correspondence since. My emails go unanswered besides generic replies asking me to submit the documents ( that Ive already submitted a week ago now ) all of my phone calls go to representatives who give the same generic response- We will urgently send this to the appropriate specialists and theyll reach out within 24 hours yet still no word from said specialists. They wont unlock my account or even keep me updated, and like I said, I have XXXX children to care for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX with a VA loan through a company known as XXXX. The loan servicing company was Lakeview Loan Servicing. About 9 months into the loan ( XX/XX/XXXX ) we were contacted by Lakeview about a rate reduction refinance. As part of this offer they gave ; 2 months deferred payment, lower interest rate, reduced payment by {$700.00} per month, The payment to XXXX was approx {$2800.00}, this was reduced to {$2100.00}. 

It seemed like a legit offer. About 4 months after we agreed ( XX/XX/XXXX ) I received a notice from the county tax office that property taxes were due. This was part of our original loan agreement with XXXX. 
Lakeview was notified and the taxes were taken care of in XXXX. I have now received notice from Lakeview that the escrow is short {$5500.00}. They are effectively now trying to recover XXXX taxes and XXXX taxes. These funds should have been paid through the original loan agreement. 
Now they are trying to increase my monthly payment {$770.00} per month. We can not afford to take this additional cost. I believe they made a predatory loan offer knowing that they could not offer a better deal on the XXXX loan so they intentionally mislead the offer to make it sound better. 
I was unemployed for 7 months in XXXX and just now returned to work at a much less of a salary. We have been able to pay the agreed upon loan at {$2100.00} but can not afford to that much of an increase. 

The amount actually given to principle is only {$500.00} per month, it is ridiculous that they collect that much and can not pay the taxes and insurance and still make a substantial profit over the course of the loan. 
I need help to make this right.

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 2023-07-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I went on the Navy Federal Credit Union Mobile app to start a re-finance loan. Midway through the process, I changed my mind and did not want to continue with the process. On the screen, I was provided the option to save the information and exit the process and I was provided a message that I can resume the application by going to navyfederal.org or by calling XXXX. It said after 5 days, a decision will be made. I called this number 2 days after and spoke to someone to make sure that this loan does not continue or is processed because I did not want the loan, nor did I want to have another inquiry on my credit. The message on the screen made it seem as if the loan was not finalized. I have attached a screenshot of the message that says " You're almost done. There are a few quick steps left to finalize your application ''. There was no warning or indication of any kind that my credit would be run, or the loan would go through. Especially after I called them 2 days later, it was my understanding that I had cancelled the entire process. I received an email today that Navy Federal is still considering my loan. This prompted me to call them again because I did not authorize them to process anything from the beginning. I did not go through the entire loan process on the app, and I had already called to cancel. I checked my credit and Navy Federal is there with a hard inquiry. I do not agree with this because it is my understanding, I did not authorize them to go through with this loan process and it looks like they are still trying to process a loan that I called and told them to not process at all. I called them again today, XX/XX/23 and was told the disclosures on the mobile app says the credit will be run. I did not see any disclosures nor did the screen say that. I did not agree to them running my credit at all and stopped the process on the app before I got to this point. I want the hard inquiry for Navy Federal removed from my credit. This is negatively affecting my score for something I did not want or authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I was notified by email and push notification on my cell phone that exactly {$500.00} cash was withdrawn at a XXXX location via my PayPal account. Per the PayPal application on my phone this happened at XXXX XXXX  PST. Within minutes after receiving the notification I contacted PayPal to let them know of the unauthorized transaction. They said they would open a case and it would be no problem getting my money back after they looked into it. 
After not hearing back from PayPal for days, I reached out to them. They told me that they could not prove any fraud and they had to deny my claim. They claimed they could see the transaction was done on my IP address that I have used to sign into Paypal before and they claimed it was done on my cell phone which I have used to sign into Paypal before. They also said XXXX is required to check photo ID when anyone does a cash withdrawal. 
I asked PayPal to tell me which XXXX the transaction occurred at. They told me they could not provide this information. I went to my local XXXX in XXXX  XXXX, California and they told me unless Paypal can provide the location that it happened they could not pull the security tapes to prove I was not there making any cash withdrawal. 
After calling Paypal back multiple times and explaining the issue they claimed to have reopened the case on two separate occasions. After giving them every opportunity to correct the issue and having them never proactively reach out to me to follow up on any of their investigations it is clear that in their mind no fraud has happened. 
I am the only person who has access to my PayPal account and I have not had an ID stolen or lost. I never even knew you could withdraw cash through PayPal at a XXXX and am 100 % certain this is fraudulent. 
After giving up on my attempts to solve this with Paypal I took to the internet to find any further information. One of the first things I came across after a quick XXXX search was this : https : //www.paypal-community.com/t5/Disputes-and-Limitations/Unauthorized-withdrawal-through-XXXX XXXX  This is a forum post on Paypals own forum website. Dozens of other people have had this same issue surrounding cash withdrawals at XXXX locations through their Paypal accounts. Most of them had exactly {$500.00} cash withdrawn as well. I brought this up to Paypal and they just dismissed it choosing not to even acknowledge its presence. They just say their team looked at the case and denied the claim. They claimed I was talking to the highest authority they had even after I let them know I was taking this to the consumer financial protection bureau if there was nothing else they could help with. 
Please help put a stop to this scam and let me know how else I can help to get this sorted out on a personal level and for potential victims in the future. 

my Paypal account is under my name and/or my phone number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to XXXX, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the XXXX. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX XXXX Collection {$650.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Collection {$650.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$640.00}

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 non-monetary relief
Consumer complaint received 2023-11-28
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
It's a dispute that happened on XXXX XXXX. They can't give me a reason as to why the investigation team has yet to have an update. There was 2 dispute done on the same day XX/XX/2023 one was done the other is still lingering no action or realistic update.

Company response to consumer: Closed with explanation