BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Through my Chase Sapphire Reserve Credit card, I signed up for Chase 's XXXX XXXX promotion in XXXX of last year. I've reviewed the Chase promotion terms of agreement and ensured I was in complete compliance. 

The promotion advertises that it provides both a free monthly subscription ( monthly charges of {$9.00} are to be reimbursed ) and a {$60.00} annual credit. I recently realized that while I got the {$60.00} annual credit upon activation, I never received the monthly XXXX credits from XXXX through XXXX, despite being activated. That's a total of 8 monthly charges of {$9.00} each, totaling {$79.00} I know it was activated because I received that {$60.00} credit immediately upon use, and the app was downloaded to my account. I've since received one {$9.00} monthly credit for XX/XX/XXXX, but I am still owed {$79.00}, for the uncredited months of XXXX through XX/XX/2020. 

I've called the Chase customer service line and spoken to supervisors about this no fewer than five times beginning of XXXX. Each and every time the Chase rep tells me that they'll be processing a credit in the full amount of {$79.00} in 7-10 business days. That has not happened. And each time I call back and have the exact same conversation again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Wells Fargo account was closed in XXXX XXXX XXXX ( I did not have a debt when the account was closed ). Prior to my account closing I purchased an item using XXXX which cost {$1100.00} - this item was refunded by the merchant XX/XX/ ... after my Wells Fargo account was closed. At first the refund bounced back to XXXX, but the 2nd time, it went through. XXXX have showed me proof that the funds went through and have given me the resources that would help Wells Fargo locate theses funds ( such as the ACH Reference Number ). I went in person to Wells Fargo to start a claim, but the employee described the reason for the claim wrong. I am not asking for a refund, I am asking for the location of a refund that has already been sent. I have proof that XXXX already has sent my money to Wells Fargo and I am asking for the whereabouts of this money. I keep being told that " the timeframe for requesting a refund with the merchant expired '' ... I know this, I am not asking for a refund, I am asking for proof that Wells Fargo does not have the refund, such as an ACH rejection reference number or something similar. Every time I talk to Wells Fargo on the phone they put me on hold or hang up on me. When I go in person, they tell me that they " don't usually accept money to a closed account '' but refuse to look at my ACH Reference Number and refuse to show me proof that the funds were rejected. I have been fighting for months and if I am being honest, it is getting extremely exhausting.

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: Nelnet, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my second time reaching out as the first response was totally unacceptable and direct violation against the The Fair Credit Reporting Act, 15 U.S.C. 1681. As a result of identify theft, I ask that remove the following inquiries from my TransUnion report at once : - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX Failure to do so is an illegal act and against of the Fair Credit Reporting act and I will be contacting my state attorney general if this isn't addressed promptly. 

Appreciate your cooperation, 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 2023-11-07
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Requested debt validation from LNVN funding with no response to have alleged debt validated. This account appear on my credit report without my knowledge after researching it shows to have come an account that was previously disputed and removed from my consumer report by XXXX XXXX I have attached the document. I then sent a request to LVNV to verify the account and to provide me with the sales agreement accounting ledger my consent to pay them on the alleged debt my signature their license number so I can investigate further to see if they are authorized to collect in my state and to swear under perjury and still till this day I havent received any response or the information requested as I have the right for request validation by law. This behavior is totally unacceptable and this company and its past alleged practices are beyond mind blowing and feel they are above the law. My rights have been violated according to the fdcpa. I never gave LVNV funding permission to buy my non public information nor consented to LVNV funding that I agreed to do business with them. Also when I submit my request to XXXX have the account reinvestigated XXXX over looked the fact that the account was removed from my report and updated the accounts and closed the investigation with properly confirming the allegations. There were no statement form sent there was no investigation information provided such as the name address phone numbers nor the way they confirmed the information which is a violation according to the FCRA which states identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Was NOT provided if XXXX would have done an actual reinvestigation they XXXX would have seen that the account was removed by the original creditor. XXXX also refused to provide me with the information requested including my complete file disclosures and my written certified signature with my consent. I am asking for this account to be removed from credit report and a free copy of my credit report via mail as I have requested all communication via US Mail and no other with tracking to show proof that the information has been mailed to my address on file. This is unfair practices on both parties involved and reflects that both LVNV funding and the credit reporting agency believe they do not have to abide by the laws in place that governs both the fdcpa and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Throughout my years with Wells Fargo I have experienced several delays in deposits and transfers, when I was low funds I was immediately given overdraft fees without any grace periods and Ive also dealt with fraudulent withdrawals and links and a frozen card even when I had funds available. Customer service has never been incredibly helpful in fixing any of these issues.

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 2021-01-12
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
American Express Personal Savings promoted that they would credit 25,000 Membership Rewards points within 8-12 weeks after the primary account holder deposited a total of {$25000.00} or more into a new account by XX/XX/2020 and held those funds in the account through XX/XX/2020. I opened a new account on XX/XX/2020 and deposited {$25000.00}. However Amex Savings did not credit me with 25,000 points. I called multiple times but Amex Savings did not resolve my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for a US business checking account online and got approved. The next morning, I called the customer service number and told them I got approved but didn't receive an email with any account information so that I may set up online enrollment and fund my account. The representative told me I had to wait to receive it in the mail and rudely hung up. A few days past and still nothing. I got an email today telling me my account was closed due to non funding. I called customer service and they told me there's nothing they can do. That is totally unfair! Not only did they close my account, but they also report this activity as suspicious to credit reporting agencies so that other banks don't open an account for me. What US bank did was ridiculously unfair and it's really holding me back from being able to do basic business functions such as payroll.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent my previous letter to Transunion and XXXX for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Transunion and XXXX was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Transunion and XXXX seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion and XXXX investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}

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 2018-01-05
Company: Accounts Receivable Services
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This complaint involves the debt collection agency XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

I was aware that I had {$930.00} in medical debt that was overdue from a XXXX XXXX I suffered. When I called XXXX to set up a payment plan or settle the debt, I was threatened by XXXX ( did not give last name ) that my debt had already been filed with the court and I was being sued. He told me that I was due in court in a few days. He said I had to pay the full amount due and they would not accept any settlements. I let him know that I had never been served any court papers even though they have my correct address, which he verified over the phone. Even though I could not afford to pay the full amount, I knew I had no time to find an attorney or pay court fees so I paid the debt in full. 

After I got off the phone, I checked with the court and there were no cases filed against me. There was no pending court date. Everything XXXX said was a lie to force me into paying the full debt immediately over the phone and avoid any payment plan or settlement. 
I am extremely upset and disappointed. This is certainly an unfair debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Throughout my history as a PayPal user, I have diligently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is a top priority for me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I have confidence that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/16 several transactions were displayed with wrong payee information such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported out to Wells Fargo. 
They stopped payments however it was a technical issue on their end and still stopped. 
Payments looked paid and then Disappeared Payment was wrong Multiple calls to correct and still an issue in XXXX. I made a payment in XXXX and they stopped it again Ive asked to start payments Payments will show as paid and then disappear Its causing issues with car payments and electric being charged fees etc and need to be reimbursed

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 2019-09-18
Company: WELLS FARGO & COMPANY
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:
I have a loan with WFDS. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX  with no successful resolution. There was definitely an error on their part. I was never late.

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 2023-11-07
Company: Paypal Holdings, Inc
State: MS
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 paid {$200.00} to someone from XXXX XXXX XXXX for a yorkie puppy thru Paypal, and I never recieved the puppy. I found out by researching on facebook that the person XXXX XXXX who I paid the {$200.00} to thru paypal was a scam fraud. I have messaged Paypal about the fraud, and the customer service rep said on XX/XX/2023 that paypal could help me get my money back, but that was the last I heard from PayPal, and the message was closed by them so i was not able to open the message back after that. I reported the fraudulent activity to XXXX as well. I have every conversation text downloaded on my phone with this person about me paying for the dog and never receiving the dog. I also found 3 other different groups that this same person who scammed me was scamming others as well. I reported all the groups to XXXX, and I have not heard back from anyone. The info that the scammer give me is XXXX XXXX and email address is XXXX The transaction number for the {$200.00} is XXXX and the Case Id number from the Paypal customer rep is XXXX XXXX I want my {$200.00} back please. Paypal should do a better job in not allowing people to get accounts without proper identification. Paypal should also respond to such request when fraud is reported in a more timely manner rather than 9 days after its been reported. To say that is ridiculous would be an understatement. I like banking with Paypal and have for a couple of years now, but I need for them to refund my money in full. Thank you for your time, and I hope you have a great rest of the week. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I opened a loan with Credit Acceptance and after a few months I began to have problems with the vehicle, while I understand they didn't have anything to do with the service of the vehicle, I was doing my best to keep up payments as well as repairs which eventually became overwhelming and I couldn't do it any more, eventually XXXX  XXXX, I explained to " credit acceptance '' that the car was in the shop and I wasn't going to be able to get it out and I was filing XXXX, as I looked into my contract I realized I was being charged more interest than agreed upon, I told them about it and they no longer would accept my calls, until the XXXX was dismissed and they started calling me again wanting the full balance of the car as if they were not getting payments through the 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 2021-09-24
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I made an attempt to purchase a vehicle from XXXX  XXXX XXXX and GM FINANCIALI have been denied, any adverse action is illegal. I am the original creditor in fact consumer, I am a natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Kikoff Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX  acct no : XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.

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