BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I notified Chase on XX/XX/XXXX that I wanted to block all charges from XXXX XXXX and I disputed a charge for {$490.00} due to false advertising, failure to deliver according to the terms of an agreement, misrepresentation of services. 

Chase initiated the dispute and blocked XXXX from charging my account. On XX/XX/XXXX, XXXX charged my account {$500.00} and I disputed it with Chase. Chase informed me the credit card company would not intervene with any disputes with XXXX and validated all charges on my account including the {$500.00} charge. 

I notified the credit card company that I no longer agree to pay any charges to XXXX on XX/XX/XXXX and Chase still authorized and validated charges. The dispute customer service agent said that I should've changed my account number when I called in for the initial dispute because XXXX could change its address or name and rebill because the company has my card number. This was never advised during my initial call to dispute the {$490.00} charge. Chase sent me a copy of the XXXX agreement and stated it would not intervene with a service agreement which contradicts Chase 's financial services agreement with me. XXXX misrepresented itself and lied to me. I disputed the {$500.00} Further, Chase has communicated in an aggressive and unprofessional manner as if I am not its financial customer. It has stopped sending me statements, altered my online statements and email addresses ; has refused to send statements to me ( I was assessed a late fee but Chase never mailed me a statement ) because my attorney sent a demand letter. I paid everything but the XXXX charges which left a {$990.00} balance on my card. I do not use the card for anything but a monthly membership of {$24.00} and no my balance is over {$1500.00}. My online statements do not go beyond XX/XX/XXXX. I have paper statements in a file box which I will retrieve soon. 

Chase needs to handle the dispute fairly. I have proof that XXXX lied and misrepresented the terms of our agreement. I have emails and screenshots that Chase refuses to acknowledge. I feel like Chase is representing XXXX or they have a crony relationship that is being protected and served.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: BlockFi Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for a BlockFi credit card with cryptocurrency rewards program in XX/XX/XXXX. They initially offered a very high reward interest rate of 6 % for up to XXXX XXXX as shown here : XXXX XXXX XXXXXXXX Over time, they continued to lower the reward interest rate and the amounts, with the latest rate change being shown here : XXXX XXXX XXXX XXXX appears that this credit card and rewards program is part of an elaborate Ponzi scheme where BlockFi offered high interest rewards in order to acquire real assets and liquidity. They then freely chose to spend and use customer 's assets for their own risk and benefit. 

While this was described as a custodial account service that I maintained ownership to, funds in my BlockFi deposit address ( XXXX ) began transferring out without my consent on XXXX as shown here : XXXX XXXX  XXXX It is unknown who is in control of this address and the other addresses where my assets continued to transfer to, but this address is currently empty : XXXX On XX/XX/XXXX, XXXX XXXX XXXX XXXX of BlockFi, assured customers in a long XXXX thread that all BlockFi products were fully operational and that they were an independent business entity, stating they have a $ XXXX line of credit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and will remain an independent entity until at least XX/XX/XXXX. 
XXXX XXXX XXXXXXXX On XX/XX/XXXX, BlockFi posted the following status stating they were limiting platform activity due to lack of clarity with XXXX XXXX XXXX : XXXX On XX/XX/XXXX, I received multiple communications from BlockFi stating my credit card was deactivated and that I was still responsible for payments. The card had been declining for about a week prior due to non-sufficient funds errors, while having sufficient funds. It is my belief that they began deactivating card services prior to any public announcement about XXXX and also lied to customer 's on XXXX in hopes to keep as many funds on their exchange as possible. 

It is my further belief that cryptocurrencies paid for rewards may have been obtained illegally and actually paid out with customer 's assets. The sources of all rewards payouts needs to be investigated by blockchain analysts. Where these assets came from and where they all moved is very easy to determine and all recorded on the blockchains involved. 

Additionally, due to BlockFi suspending and limiting activity, no cryptocurrency assets from the rewards program are currently accessible. It is my belief that the entire program was setup to operate an elaborate Ponzi scheme where BlockFi freely chose to operate on a fractional reserve system. No assets they used and stole were backed with like cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I was denied an extension of credit through XXXX XXXX XXXX on XX/XX/2021 due to XXXX furnishing inaccurate information on my report that was later deleted. the inquiry that discover mentioned in their letter of denial was because of a company called XXXX which you will see in the documents uploaded. Also after reviewing my most recent credit report that was sent out to me, I discovered even more inaccuracies not to mention i noticed XXXX XXXX showed up a few times and i never reached out to them for any credit purposes, so why are they accessing my information? Everything that was deleted ranged from names, addresses, phone numbers and hard and soft inquiries. 

This made me feel cheated because these companies are supposed to make sure we dont experience these things and then this happens. I suffered so much as a result of this from being denied credit making it seem like I have a bad reputation and not responsible. This caused me sooooooo much XXXX XXXX and XXXX XXXX and lXXXX XXXX XXXX  amongst other things when i learned what XXXX has willfully allowed to be put on my report despite the fact that it didn't even belong to me and was later removed after reaching and speaking to both of these companies. 

No one should ever have to suffer the way I did being a consumer and natural person, how am i supposed to trust these companies after this? I also want to point out these agencies giving miscellaneous companies access to my personal consumer report with out my express and written consent. Not only did they gain access illegally there wasn't even a permissible purpose for the access as these agencies always tend to point out when speaking with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Every day they call from a new number, after the previous one is  blocked, and i inform them i have written them to stop contacting me. They are harassing me and even calling me at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had to file a series of disputes with Venmo for transfers that were done, taking money out of my Venmo account and transferring them to debit cards that were attached to accounts that were not mine. Venmo ended up, not wanting to deal with handling the dispute so they decided to shut down my Venmo account. I explained to them that they still had to allow me to file my dispute and reimburse me the funds for anything that was deemed to be unauthorized. They are telling me now that I am no longer a Venmo customer. They say I have no right to dispute transactions from my account that was just recently closed a couple of days ago. Apparently Venmo thinks that if an account is closed, fraudulent transactions dont need to be addressed. They just want to wash their hands of it and move on. But unfortunately, like most Americans, I live paycheck to paycheck. I can not just move on from the money that was taken from me. Those transfers should not have been allowed. I would like my disputes treated just the same as if they were a dispute coming from any other customer whose account was still open. That is my right. Not doing so, is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
You replied that XXXX XXXX  provided you with the public records. But in fact XXXX XXXX removed XXXX of this year and the courts don't report to any bureaus and pacer gives no social security number? I asked for the investigative report that was not given and I also submitted paperwork from XXXX XXXX  and twice you have mentioned this agency when you have not received any results from 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 explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 is XXXX bankruptcies reported on my credit report within XXXX  year span, This information is incorrect. Bankruptcy courts do not report filing with credit agencies And it is impossible for anyone to file XXXX bankruptcies in XXXX  year. I have disputed and they have never verified where they get their information. I have been disputing this since 2018 XXXX removed it but transunion and XXXX has not

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 2023-10-30
Company: CITIBANK, N.A.
State: NY
Product: Credit 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:
Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in Washington D.C. I'm writing to you because I want to file a complaint against the credit card company Citibank. I applied for the XXXX XXXX XXXX XXXX XXXX XXXX  from Citibank last XX/XX/XXXX. 

They have been giving me a very hard time and they don't want to activate my credit card even though I was approved for this credit card since XX/XX/XXXX. 

They are very mean and rude to me on the phone when I'm calling them. I got two very mean representative based in The United States who sounded like that were XXXX to me on the phone when I was speaking with them. They sounded like they were from one of the southern states. 

I'm originally from XXXX, XXXX and I'm a naturalized XXXXXXXX XXXX. I have a little accent when I speak the XXXX language. 

I applied for this credit card on XX/XX/XXXX and I was approved for this credit card the same day. I got approved for my new credit card last XX/XX/XXXX. 

They told me that they were mailing me the credit card in a few days. I was waiting for this credit card for around 13 days. I finally received it on XX/XX/XXXX during the night.. 

I tried to call the credit card customer service around 4 times with the intention to activate my credit card. I have an XXXX XXXX XXXX XXXX Account. I fly with them sometimes especially inside The United States. 

I want to link both accounts, I have many miles in my miles account and I want to preserve them but I'm not able to do it because my credit card customer service is not letting me activate my credit card. That's not right. 

Two of the representatives were telling me by phone that they saw attempted fraud activities. The credit card didn't arrive until XX/XX/XXXX in the night and the envelope with the credit card was completely sealed when I get it. 
I provided the customer service with my name, credit card number, date of birth and secret word that is my favorite teacher 's name.I also provided them with my code number that I received in my I have wasted hours of my time because of these credit card company employees and I called this XXXX number several times. 

Two representatives of the credit card company hang up the phone on me in a very rude way and one representative didn't call me back when he couldn't hear me even he promised to call me. 

I don't know what else to do to activate my credit card. 

I will appreciate your help and cooperation in order to resolve this matter. 

Respectfully yours, 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 2023-05-02
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is refusing to give me my dispute results in a written form, as I instructed them to do so, because I have been instructed to do so for Legal purposes of this case, all correspondence must be documented so that all items given in response from creditors and furnishers can be submitted as supporting documents and evidence in my case against Experian, Also my TN department of Human services account is being manipulated by someone, i haven't made any payments but the creditors are reporting that i have, THIS IS FASLE and a lie, well over XXXX $ dollars just magically disappeared away from this balance making it look like i paid I DID NOT! and this account was already closed back in XXXX OF XXXX, Its also is strange that that same account has closed during this dispute and Experian is still not reporting it accurately, it still says open and no further information is available, this has gone beyond accounting errors, this is Fraud on behalf of both parties, the Creditor and Experian. I demand that Experian give me my disputes in writing as i have instructed, i don't wish to talk to these criminals over the phone, whatever they have to say to me needs to be done in writing or in an email that has been endorsed by the responding party.

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 2023-06-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2022-11-15
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
VENMO - very poor security and they do not care. I had a VENMO account under the ID XXXX XXXX XXXX XXXX XXXX ). On XX/XX/2022 I received a text from a friend asking me why I was Sending via VENMO {$1900.00}. I told her I had not, I had not initiated any Venmo payments for many days. I immediately reviewed my VEnmo activity and noted that there were three unauthorized VENMO payments of {$1900.00} each, they were initiated by a a VENMO ID XXXX XXXX XXXX XXXX XXXX XXXX  ( not even close to my VENMO ID ). I immediately called Venmo and after jumping thru numerous hoops was allowed to talk with someone who I told that there were threXXXX unauthorized requests by an ID that was not my VENMO ID. I was told I would hear back from VENMO via email within a week. They obviously do not take security breeches seriously. I immediately called my bank and asked them to block any debits from VENMO, at the time there were no debits noted on my bank account. The next morning there were 3 debit attempts of {$1900.00} to VENMO, these were declined by my bank and I went in the next day and CLOSED my bank account. I again sent email and phone requests that I wanted my VENMO account CLOSED. I was told it could not be closed as it was frozen. I received an email that the account was frozen. I called Venmo again a month later and AGAIN requested that my account be CLOSED. This time I was told I could not close the account because I had an unpaid balance ( which was a result of them allowing an unauthorized ID to access my account and attempt to access my bank account ). On XX/XX/XXXX, VENMO without my authorization allowed a friend to mistakenly pay me {$100.00} via VENMO, this was my first knowledge that my account was NOT FROZEN or CLOSED as I had numerous times requested. Talking with them via phone and email via their website, I again asked that my VENMO account be closed, I was told again that they could not close the account as I had an upaid balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac mortgage company does not offer functionality for their customers to make their mortgage payment from two accounts. I've asked repeatedly why this can not be done and their only response is they don't accept partial payments. I've explained we are not making a partial payment, we are paying the full payment just out of two accounts since we share responsibility in the monthly payment. Their automated system/internet system are preset to not allow consumers the option to make the full payment from different account information. You are forced to make payments over the phone with a rep with a resulting fee. This seems like an unfair practice to just make an additional fee ; the options available should be the same at all touch points for the customer. 

In addition they will take excess for escrow and still advise that your payment is increasing to cover escrow cost. If a consumer pays the difference due to avoid an increase in payment ; why is the monthly payment still increased. When asked, they can't answer ; state that's just how it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Issues since my loan was sold over 10 years ago. My interest was never corrected when Navient took over my loan. In XXXX, I was some what successful with a minor correction. Though still not right. Since then they have changed my repayment terms twice without consent. I repeated asked for research to have the account reset. Last time was XX/XX/XXXX. Still nothing received. They refused to send me my full promissory note. I have asked 3 times. XX/XX/XXXX, only received XXXX pages not full note. I asked in XXXX. Still did not receive. Asked again today, as my loan was just reset again. They are beyond shady and I cant get the information I need. I have not consented to any of these changes. I cant get answers and its beyond odd that they can continuously reset my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Chime Financial Inc
State: TN
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/XXXX at XXXXXXXX XXXX I went to a XXXX atm inside XXXX to withdraw money. I put my card in and tried to make the withdrawal, I got an error message that said the transaction could not be completed. I knew that I had just gotten paid and had money in my account so I tried to make the withdraw again. The second time the money was disbursed {$60.00}. I took my cash and receipt and left. I got a notification from chime and checked my account and it said I withdrew XXXX twice and it took the money from my account. I contacted chime and showed proof that I only withdrawed money once XXXX so they filed a dispute and said they would investigate. They denied my dispute so I called them and asked why. Customer services told me the the person handling my dispute did not do it correctly so he filed another dispute. Not even 12 hours later my dispute was denied again, even though I showed proof my receipts from my transactions. They will not give me a reason or refund my money. I am going to close my checking account if they do not fix this. I know that they did not investigate that quickly or they would know that I didnt get money twice. Chime is horrible about making things right with customers. My money was taken from my account and they will not give it back.

Company response to consumer: Closed with explanation