BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am filing a complaint about incompetence that Chase Travel demonstrated through the cancellation of a flight. I have not received my refund despite over 10 calls with Chase Travel agents. 

XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Itinerary # XXXX Ticket number with chase travel : XXXX Here is a timeline of what happened : XX/XX/XXXX I contacted Chase travel about cancelling an upcoming flight. It was for a trip to visit my family in XXXX but unfortunately they all contracted XXXX XXXX. They told me to send an email with my family members proof of positive tests to XXXX, which I did the same day. They claimed to have sent the test results to XXXX XXXX XXXX to see if I qualify for a free cancellation. 

XXXX I called at least 5-6 time to follow up on my email. However, there was no update from Chase XXXX, despite the urgency from me to get a response, because XXXX XXXX offered free rebooking of my flight until XX/XX/XXXX and I essentially missed that deadline because Chase travel told me to keep waiting for XXXX to get back with a response to waive the cancellation fee. 

XX/XX/XXXX I called Chase Travel again because I have officially missed the free rebooking deadline and at this point, I was out of patience so I requested to cancel the flight and pay the cancellation fee. The agent cancelled my flight and charged {$200.00} cancellation fee to my account, and told me that I would receive the refund to both my account and points within 5-7 business days. 

XXXX XX/XX/XXXX I called 2 more times and was told that they are still working on the case and I should just wait. Every time I called, the agent said that they will follow the case and give me a call to update me in 2-3 days, but I have never received any calls from them. And every time I call them, I am assigned to a new agent and the cycle begins again. 

To date : I still havent received the refund after 25 days since cancellation, despite already having paid the cancellation fee. And there has been no word from Chase Travel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: GA
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 see FTC report attached to this complaint. XXXX and Experian are both knowingly and continuously reporting fraudulent information on my credit report which is a violation of the Fair Credit Reporting Act. For whatever reason, they refuse to remove the collections I have already reported as fraudulent. The accounts in question are National Credit Syst {$2200.00} opened XX/XX/2020 for both XXXX and Experian and XXXX. XXXX and XXXX {$130.00} opened XX/XX/2020 for XXXX. XXXX has stated that they neglected to remove these fraudulent accounts simply because the account numbers were not present in the report. However, after including them in the report they are still refusing to remove said items from my account.

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 2023-12-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I received a phone call from this number XXXX and was coerced through the use of legal threats by an individual posing as a Texas police officer into transferring money from my bank account into multiple individuals other accounts via XXXX. There was an elaborate story involving solicitation of minor via online dating website and property damage. I was directed to speak with phony parents that eventually offered the opportunity to resolve the matter without pressing charges. I was told I could avoid extradition and criminal proceedings if I payed for a XXXX laptop that had been destroyed during the concocted incident. I was offered multiple options to pay and ultimately ended up using XXXX initially to make one XXXX payment, then a XXXX dollar payment through XXXX. After this I was then told I was going to be charged for various legal fees including payments for keeping my record clear from any wrongdoing this would total in the amount of XXXX dollars which was again paid with XXXX. 
On the morning of XX/XX/2023 I started receiving texts from the same number I had initially received a call from XXXX that payments from the night before had been put on hold and that I need to attempt again. I was texted repeatedly and aggressively in order to get money transferred or else warrants would be issued soon. 
This is when I contacted other individuals and quickly found out these were not real people and it was all an elaborate money scheme

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 2021-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Representatives from the Bank of America from an alleged XXXX number have been calling me regarding my complaints to the CFPB. It is impermissible for them to be calling me as this matter is now in litigation before the CFPB. 

The fact is that XXXX XXXX has been fraudulently withdrawing money from my BAC account. I have repeatedly told the BAC but they refuse to reverse the charges that XXXX XXXX has made on my bank account. 

The BAC is violating the law by not doing so. 

The BAC has all my financial records with them. There is no need for them to be harassing me with their telephone calls. 

Just reverse the fraudulent charges, BAC! That is not rocket science, BAC! 

That is common sense and sound judgment, BAC! 

But no more telephone calls, BAC! None, BAC!

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 2023-01-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already made a complaint to CFPB as below, the Comenity Bnak did not resolve it till now. The dispute is pending with CFPB and also with Comenity Bank collections, but they keep on reporting my account deliquent, today i.e XX/XX/XXXX, they again reported me 60 days delinquent and my XXXX XXXX fell to XXXX, this is causing severe trauma to me. 




I have received a sanction of {$3500.00} from XXXX XXXX XXXX XXXXComenity Bank referring to an account ending XXXX. I have accepted to get a hair treatment from XXXX XXXX but did not even make my first visit for the treatment. As i was getting bills from XXXX XXXX Comenity Bank , i reached out to XXXX XXXX to refund the money to comenity as i did not start the treatment. XXXX XXXX has ignored all my emails and blocked my email. When i finally informed Comenity, they said that they will initiate a refund and asked me to reach out on XXXX XXXX if do not get any update from them. The customer service was not available and always i was kept on hold. On XX/XX/XXXX I received a notification that my XXXX XXXX has decreased from XXXX to XXXX because of the overdue report by comenity. Upon reaching comenity, they informed that they have recovered the balance from XXXX XXXX, but the late fees are past due. I believe that the late fees should have been collected from XXXX as my liability only starts after i make the first purchase. The fee they have applied is not valid as i did not start any treatment. The customer service XXXX also mentioned the same but she asked me to reach out to collections to get this removed. This wrong reporting has effected my XXXX XXXX and comenity said they would take 90 days to resolve the issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: WELLS FARGO & COMPANY
State: WA
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 was a victim of a scam between XX/XX/XXXX-XX/XX/XXXX. The scam was by impersonating a job ( XXXX XXXX which is based in XXXX not in the United States ) that seemed to good to be true. Sadly since there werent any red flags, they had my social security number which led access to my bank account. Around XXXX I started realizing things were getting fishy when things went south There are charges that I did not approve- XX/XX/XXXX {$210.00} XX/XX/XXXX- {$7600.00} XX/XX/XXXX- {$1600.00} XX/XX/XXXX- {$5000.00} The bank was notified and I called about the fraud transaction. There were multiple transactions which they got resolved. the four listed above were not. 
I recieved a letter that " they were requested through a secure online banking session using your username and password. After reviewing all the information available to us regarding the transactions you are disputing we have determined that the transactions were made by you, or someone who had your authorization ''.

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 2023-09-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
TD Bank closed my personal business account back in XX/XX/2021 because I had cashed business checks into the account and I didnt know this was allowed. It was closed without noticed and when I called I was told to get in contact with their demarketing department. I Left numerous XXXX with that department the first type months and did not get a call back. I finally visited a branch to see why TD closed my account. After a few days, the banker working with me was finally able to tell me it was because of the checks. He later told me that the funds would be released if I could prove the business was in fact mine. I wasnt able to provide the paper work right away. But I did eventually. Submitted my articles of corporation to TD to release the funds. I still havent heard back from their demarketing department and no banker at the branch is able to help me or get a hold of them either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account with Capital One through my company. I would like to withdraw my money. I can not. Whenever I try to, I get the error, " Looks like we need to fix something, so we're working on it. Try again in a bit, or give us a call at XXXX, and we'll help you sort it out. '' I suspect that this error is related to the fact that I already made one large withdrawal over a week ago, but that's not what the error says, and the funds are mine to move as I see fit. When I tried calling the telephone number in a similar situation in the past, the agent was unhelpful and could not explain what was actually wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
Hi. 
I was reported by XXXX XXXX 30 days late for XX/XX/ and XX/XX/. Im XXXX XXXX and my business was closed due to government order for pandemic. My XXXX  was closed for XXXX, XXXX, XX/XX/ XXXX I called XXXX and ask them to defer the payments around XXXX, and they were ok with that but still they reported me. This was during middle of pandemic and im requesting help to remove this late payment from my credit report. We are back to business now and still trying to survive.Its affecting my score drastically for any kind of loan applicaion

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020 I authorized Progressive to charge XXXX on Wells Fargo Credit Card account to make a Small Business Payment to use to save up equity in buying a new apartment. The amount of equity my Small Business $ $ XXXX $ $ made in the transaction was {$250.00} dollars per month for the year 2020. On XX/XX/XXXX I was to close on the Real Estate property I was renting but due to the Pandemic the property never closed. The business I introduced to to the world was a small XXXX XXXX XXXX that was basically built from the ground up. The company struck Gold on XX/XX/2020 and was ready to help with the Pandemic at moments call. In the short run of it all my small business $ $ XXXX $ $ as a Vendor was never given the contracts to supplement the support given to other Vendors inside the Pandemic to support the worldwide efforts to eradicate the virus probably due to business structure not winning the bid contract disputes In the meantime, my business was left stranded on the side of the road and the $ $ XXXX $ $ commercial vehicle was broke down and would not be fixed due to COVID-19. I set aside {$800.00} dollars on Wells Fargo Credit Card to fix the commercial vehicle. The car was never fixed. Personally, I spent days and months in the Pandemic without my home office and rental property and was left with a Abandoned vehicle. 
In XX/XX/2020, I found another rental property to close on and was evaded again on what I thought to believe was time to make the first rent payment. XX/XX/2020 deadline was given to rental landlords to give renters time to make rent. A new car was purchased to replace abandoned vehicle that was never fixed due to COVID-19.

I never made a single rent payment in 2020. I no longer have my commercial vehicle. My initial {$250.00} in Equity was never granted as a result of the Pandemic. I made a {$900.00} payment to Wells Fargo to go towards the XX/XX/2020 rent complaint. I know eviction can be hard on society and the people involved but this was not an eviction this was a Vaccine on Demand and let everyone suffer from the Market Crash of XX/XX/2020. 
Wells Fargo reversed the {$2600.00} but I never witnessed the commercial vehicle fixed after spending 5 days in a Hotel in XX/XX/2020. I also never saw the rent paid after the lease was signed after a seven month waiting period on a delivery that should of been closed XX/XX/2020. 
I no longer am able to use a Wells Fargo Credit Card that that once had available credit as of XX/XX/2020.

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 2023-04-27
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA
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:
Received an email saying a new account is on my credit report. I did not open any new account. Lender Name XXXX - XXXX XXXX - XXXX XXXX  XXXX XXXX XXXXXXXX, KS XXXX Phone Number 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 2023-06-11
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt of {$3100.00} from XXXX XXXXXXXX XXXX  ( handed over to Jefferson Capital System ) that was opened fraudulently XXXX XX/XX/2021 while I was XXXX in XXXX and I have been harassed about this ever since. I have submitted 3 disputes to XXXX and XXXX. This company continues to call and harass me as well as mail me statements claiming they will reduce it if I pay a certain amount. On XXXX XXXX, it shows on XXXX and XXXX but when I log into XXXX site it does not show at all. I am not liable for a loan I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: National Credit Adjusters, LLC
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Received attached letter stating I applied for credit. I did not apply with this entity, as I already am well aware I would have to travel 200 miles, in order to obtain this. I did not attempt conducting business with this entity, and this is possible fraud. Please recheck your records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IRS FRAUD and United States Code Law Violations One Main Financial Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil Liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION One Main Financial is trying to collect on an alleged debt despite not creating consumer account for securitizing consumers retail installment agreement which under 16 CFR 433.1 is indeed a credit sale as consumers social security number was used in said transaction. One Main Financial has not provided consumer with official treasury forms filed under consumer social number as described by XXXX as a credit card. Consumer reporting agency ( XXXX, XXXX, and XXXX ) hard inquires shows proof consumer credit was pulled. Which by the rules govern said company under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 company is bound to follow all guideline when offer retail installment agreements per the contract as a consumer my rights can be altered at any time. 
As for the XXXX, XXXX, XXXX that One Main Financial has filed with treasury department under the rules of the XXXX company must provide consumer with a copy for accurate IRS reporting for any debt over {$600.00}. One Main Financial is not filing the proper taxes with IRS which is fraud. Due to companys non-compliance consumer will have no choice but to file form XXXX along with other applicable XXXX IRS forms under filing IRS with the treasury to audit consumers account to make sure accurate reporting and taxes are rendered per the security agreement signed under One Main Financial with the XXXX XXXX XXXX along with all XXXX IRS forms needed to conduct an audit on consumer account. 
One Main Financial has also securitized consumers promissory note indenture trustee over securities yet have not credited consumers accounts accurately. Due to the recent change in consumer laws please serve this as notice that upon a valid proof of claim notarized under penalty of perjury consumer refuse to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account. One Main Financial immediately stop any reporting until said company provide all information under the penalty of perjury for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Arivo Acceptance, LLC
State: WA
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:
i only authorize for XXXX auto company to run my credit which was XXXX XXXX XXXX XXXX XXXX, 2023 ). However, there is multiple auto loan that ran my credit without my permission, they are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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