BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau I am writing to file a complaint against BMO Harris Bank. 
I opened a checking account online at BMO Bank on XX/XX/XXXX, account ID XXXX. I have made significant deposits on XX/XX/XXXX and XX/XX/XXXX, but no withdrawals made. Total balance is {$14000.00}. 
I checked my balance on XX/XX/XXXX, and the balance is XXXX. 
On XX/XX/XXXX, I went to the BMO Harris branch at XXXX XXXX XXXX, XXXX XXXX XXXX. I spoke to branch XXXX XXXX XXXX, XXXX XXXX. He informed me that my account was locked due to suspicious activity. He did not specify the activity. 
He asked me to produce several documents including two photo IDs ( drivers license and passport ), social security card, credit card, naturalization paper, and utility bills ; I complied promptly. XXXX XXXX also said that he would contact XXXX recovery team in his bank to restore the balance, but no specific time frame given. 
I have called his office several time since ; he has not answered and I have left messages. 
On XX/XX/XXXX, I went to the branch to meet with XXXX XXXX, and was told that he was off for an unspecified emergency. He called me later that day, saying that he is still working on it but again no time frame was given. 
On XX/XX/XXXX, I went to the branch again. I met with XXXX XXXX and he asked me to contact the fraud department, as XXXX XXXX said he was not authorized to unlock the account. 
On XX/XX/XXXX, around XXXX XXXX, I called the fraud department and spoke to XXXX ( I believe XXXX XXXX ), a fraud XXXX with BMO Harris. He advised that I should return to the bank with my passport, and XXXX XXXX could unlock the account immediately. 
On XXXX, around XXXX XXXX, I went to the bank with my passport, and again XXXX XXXX refused to access my account, and stated that he is not authorized to unlock it. 
On XX/XX/XXXX, XXXX XXXX called and said that he has been working with XXXX XXXX XXXX in the fraud department to unlock my account. I was given no time frame as to when this situation would be resolved. 
I am enlisting your help to investigate and resolve the issue immediately. Please advise if you need any additional information, or have any questions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-03-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I accidentally sent a transaction to the wrong friend 's account. Once I realized the mistake ( a few minutes later ), I asked him to send it back. He told me the money was not in the account. I contacted XXXX  to ask them to reverse the transaction. They told me they needed my friend 's permission since my transfer went to an " active account. '' My friend contacted XXXX while I was talking with XXXX   and gave them permission to reverse the transaction. XXXX  explained to my friend that his account was " frozen '' due to a negative balance as a result of prior transactions that XXXX  could not recover from his bank. XXXX  's payment system " automatically '' applied my payment to my friend to his debt being held with XXXX. I've called XXXX  to ask them to credit my account and revise my friend 's balance with them, which would make things right between all parties involved. XXXX REFUSED. I escalated to a supervisor twice and each time XXXX  's representatives told me my only recourse was to hound my friend in person or outside of XXXX 's service to get reimbursed. I find it unacceptable that XXXX has no process in place to protect users of its services from mistakes or human error, or that they could contemplate running a payment service transacting in billions of dollars per year with absolutely no mechanism to reverse incorrect or otherwise misplaced transactions. I've paid XXXX for their services and have an account in good standing and I think I should be entitled to some process or claims procedure to have my money reimbursed. XXXX  can still pursue debt collection of my friend in any way they see fit, but " automatically '' applying payments received by an " active '' but " frozen '' account and then claiming to have no way whatsoever ( I asked specifically for a room of humans to get involved and make a decision and they said no ) to reverse the transaction is unacceptable. 

On top of that, I suspect this practice violates a number of debt collection laws. My friend attests that he was never made aware of XXXX 's holding of a negative account balance against him. When he logs in to his account, it displays {$0.00} and not a negative amount. XXXX  representatives told me it was a common practice to take any deposits coming into an account and apply it to negative balances held first. I said that this is not the same as my friend making a deposit on a power bill in arrears. They took my money and used it to pay down my friend 's debt, all without me or my friend knowing!! That has to be violative of a number of rules and regulations, and if it isn't, IT SHOULD BE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: CA
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:
After reviewing my credit report I've noticed that Experian, XXXX and XXXX are reporting inaccurate information that is damaging my credit score. the following hard inquires on my credit report are inaccurate reporting XXXX  XXXX inquiry date XXXX, XXXX XXXX, XXXX XXXX  inquiry date XX/XX/XXXX and XXXX inquiry date XX/XX/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 2023-04-20
Company: Experian Information Solutions Inc.
State: NY
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:
I am trying to correct the city address on my credit report with Experian from XXXX XXXX XXXXXXXX XXXX  XXXX, New York XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This may have to do with JPMorgan Chase again playing games and trying to ruin me. I requested my statements. By law I am allowed to get my statements. They continue not sending me this year. 2022. I asked for XXXX to present and they keep sending me one month. I have had two Checking accounts and two savings accounts with many months for 2022. They closed it upon me not being asked. I have a letter that I can publish in which they say the decision was mutual. This was not done mutual. They took it upon themselves and back dated the letter the day before they tried to close the accounts. They were caught in such a lie. Which shows that they didn't even contact me. This was done by one or two malignant people in which I have their full information. I have called about seven times and have a representative at a branch help me get my statements and they are holding them hostage. Just like they did with my money. They will not give me one simple request. A full year for 2022. I am talking every month. Not just one month. This company is beyond evil and they are doing this on purpose. I need the statements and I have no idea what to do. LEGALLY I am entitled to get them. I hope the public and the FTC can see how malignant JPMorgan Chase is. They are harmful and they will ruin you physically. I almost got hurt by a manager in which I have her email and her name and the security guard. My elderly mother who is XXXX was also going to be the victim. I recommend not to walk, nor deposit your money with them. I am not ever going to step foot into one of these branches. I am scared out of my mind. I hope someone can do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I change phone company at the end of the month, this was in XXXX i send the rest of the owing monies XXXX XXXX XXXX, that is what i was owing them for the month of XXXX they said i owe for the 7 days of the month of XXXX $ XXXX. I called them and asked them for an explanation, they said go to the nearest XXXX XXXX store, they should help me, I went to the usual store, they said call XXXX XXXX i called XXXX XXXX, they said, go back to the store and tell them to call us from there. i didn't go, i'm a XXXX yrs woman, I have been with XXXX XXXX for XXXX yrs. never been late on my bill, they don't have nothing to say about my credit, the reason i change companies is because my husband and myself live in a fixed income and XXXX XXXX was to expensive for me. i don't think i should pay this bill, is ridiculous. I really hope you can help me with this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
2 weeks ago recived my credit repor and noticed 5 accounts open thats not my 1like this accounts to b removed and investigated listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have written to this company several times throughout the years, the last letter was mailed out on XX/XX/XXXX via certified mail. I have been a Banana Republic card holder since XX/XX/XXXX and have never paid late. According to my credit reports, it shows XXXX late payments XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. The late payments were due to temporary job loss and it was only for XXXX day due to the late arrival of the United States Postal Service. I have pleaded with the company via phone as well but to no avail. I am trying to purchase a home, therefore, these negative items are affecting my credit score. I would greatly appreciate you looking into if further and I look forward to hearing a positive outcome.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-09
Company: Experian Information Solutions 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:
As of XX/XX/XXXX XXXX XXXX and Experian are showing different and incorrect information on my credit reports. 

Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX shows that the XXXX account is PAST DUE and has a balance of {$5.00}. This is not correct. The account was paid in full XXXX of XXXX. I am not PAST DUE {$5.00}. 

Experian shows that the XXXX XXXXXXXX XXXX  Account is PAID with the last payment date is XX/XX/XXXX. However, Experian also shows that I missed a payment in XX/XX/XXXX. This is not accurate. I paid the account in full and XXXX sent me a refund check because I overpaid it. 

The account was paid in full and both of these credit agencies are reporting inaccurate date which is hurting my credit. 

I asked them to investigate and both came back as validated and updated. This is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
During the month of XXXX, I sent a notification to Portfolio Recovery Associates about removing 2 old time-barred debts from my credit report, and gave them the standard 30 day to comply, with a mailing address out of state. ( that would be forwarded to me ) They immediately attempted to sue me for one account in hopes of collecting at the mailing address, out of state and beyond the statute of limitations allowable under Nevada State law # XXXX and under the FDCPA 7.2.12.3.1, and have failed to respond within the allowable 30 days on the other.

They knowingly knew this is beyond the XXXX, and have fraudulently opened 2 accounts in my name for purposes of collection, after both accounts were already closed. The time-barred debts according to XXXX # XXXX is 4 years max for credit cards, which both accounts they hold are beyond the 4 year maximum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed through all three credit bureaus several times with no response from CKS Prime.

CKSPRIMEIN Collection with account # XXXX opened on XX/XX/2021 and a balance of {$610.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Under 15 US Code 1681s-2 ( f ) ( II ) Reporting information during Covid 19 pandemic

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 2021-09-04
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Contacted local store today followed up with calling Synchrony Bank and filed a police report. 
Contacted XXXX Social security number was used

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 2021-06-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi Bank - Shop Your Way Credit Card. 
I have the following card that I don't use frequently 3 months ago my wife used the card for a single transaction that was {$21.00}. unfortunately I was not aware of this and i missed paying the amount for 2 months. Citi bank charged me two late fees the first for {$21.00} and the second for {$39.00} plus interest. I called them to resolve the situation by offering to pay the original charged amount plus interest due. Unfortunately they did not accept my offer and insist that I owe them the full amount which is now {$86.00}. 

again the original charge was {$21.00} first late fee was {$21.00} plus {$2.00} in interest ( the min since the amount is so small ) total {$23.00} second late fee was {$39.00} plus {$2.00} in interest ( the min since the amount is so small ) total {$41.00} i am trying to resolve this but they insist on charging late fees and interest that exceeds that original amount.

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 2023-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX Equifax : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, when I was exercising at a local boxing studio ( XXXX XXXX ), my credit cards were stolen out of my workout locker. 
Upon exiting the class, I began receiving texts on my XXXX from XXXX XXXX and XXXX XXXX XXXX asking me if I had made purchases in the amount of {$1100.00}, {$1500.00}, and {$1500.00} at the " XXXX XXXX XXXX # XXXX. '' I immediately responded stating this was fraud, and proceeded to drive to said XXXX XXXX down the road to file a police report and meet with their " loss prevention '' team. 
It was not until a few weeks later that I realized my Macy 's credit card ( ending in XXXX ) had also been stolen with my bank credit cards ( approximately XX/XX/XXXX and the fraud at the Macy 's began on XX/XX/XXXX ). I only noticed this was the case when I went to pay my monthly statement online and noticed my card had been used at 3 different Macy 's stores in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC Macy 's, XXXX MD Macy 's XXXX and XXXX XXXX Macy 's ). 
I noticed 4 separate transactions totaling {$1500.00} where the individual purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), etc. 
I called Macy 's immediately to notify them of this fraud and to shut the cards off. I also notified the Detective assigned to my fraud case ( Detective XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX ) XXXX ( office ) ) of this additional fraud, and gave this same contact information to the Macy 's Fraud Dept for their investigation.

Over the course of the next few weeks, I continuously made contact with Macy 's to see the status of my fraud case. I was told they were " very backlogged '' and the " investigation would take up to 90 days for resolution. '' I was not worried as I knew XXXX XXXX Police had evidence of this man 's fraud, and I knew Macy 's could pull video footage of the exact transactions at XXXX different locations. 
Well, on XX/XX/XXXX, I received a letter in the mail from the Macy 's Fraud Investigation Department telling me they have " completed '' the investigation and have " determined [ I ] am responsible for the charges in question. '' The report that " the facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use '' and are therefore " re-billing '' my account. 
I have reached out to the detective assigned to my case for any additional help/advice I can get, but Macy 's has been completely unhelpful and now they too are acting fraudulent. 
Please help in any way you can. I greatly appreciate it. 
Thank you, 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 monetary relief