BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am in a homeless shelter in XXXX XXXX and need medication I have an emergency. My debit card number is : XXXX. My name is XXXX XXXX XXXX. My email is XXXX. My phone is XXXX. I need medication and need to reach someone immediately. Preferably a supervisor. There must be someone in charge even though it is XXXX XXXX weekend and there is limited contact because of the virus. But there must be someone in charge for emergencies. My account was closed because I had a negative balance of {$290.00}. Which is fine. I don't want to bank with a bank that won't give a customer time to cover a negative balance. I am homeless and living in a shelter but was XXXX. A charity deposited {$5000.00} for me. I called to get the money from the deposited check released but they told me the check was no good. This is ridiculous. It is a reputable charity and credit union and the check is perfectly good. The validity of the check that was deposited can be easily checked with the head of the charity or the credit union it came from. Of course, the negative balance can be deducted. 
I need emergency access to the funds. I have called many different Chase numbers. At first, it's 24-hour customer service line answered. I called 3 times and explained the situation and to please get  me in touch with whoever was in charge of emergencies. I was switched to a department that was closed every time and got a recording and a disconnect. I called every other number I could find for Chase and they all had recordings saying they were closed. 
I don't know if there is a specific rule requiring banks to have someone on call at all times for emergencies, but there should be. Especially a bank as large as Chase. I posted what was going on on the XXXX  XXXX account by mistake and they responded within an hour. 
I do know there are many rules and policies requiring banks to make funds available from deposited checks. The FDIC policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. 
Under TheExpedited Funds Availability Act there are time limits too. 
I don't know what Chase used to determine that the deposit in question was suspicious for fraud, but whatever they did was obviously deficient. The supervisor I talked to only took less than 5 minutes to check. At least as a practical matter, banks should be required to be sure they have in place a reliable system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXXXXXX, US DEPT ED

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 2021-03-01
Company: Direct Mortgage Loans, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RECEIVED A LETTER FROM : DIRECT MORTGAGE LOANS LLC XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - MARYLAND XXXX THE FIRST PAGE WAS NOT DATE ; HOWEVER, IT WAS INDICATED THAT THEY MY RAN A CREDIT REPORT WHEN I DID NOT AUTHORIZE IT!!!! 

WHEN I CONTACTED THEM BY PHONE, I WAS TRANSFERRED TO VOICEMAIL ( 2X )!!!!!! 

I DEMAND THAT THIS INCIDENT BE INVESTIGATED!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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 am filing this report today XX/XX/20 because I applied for a loan at XXXX and I was denied because of an account from a company called XXXX XXXX reflecting badly on my credit report. I didn't know this account was on my credit report because it's not mine ; I never oped that account and I did not allow anyone to open it in my name. I don't know who this account belongs to but I have never gained anything from it being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards that account. I also am not affiliated with XXXX XXXX in any way ; I have never signed any contract or agreement with their company nor did i allow them to run or access my credit file. I have already filed a police report as well as a complaint with the CFPB regarding this incorrect account information.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.

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 2021-05-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CITIBANK, N.A.
State: CA
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 closed my account because of the way Citi card handled a missed payment. I am XXXX years old and sometimes miss a payment date because of absent mindedness ( I always pay my account in full ). I tried to use my card and it was declined ; so, I called the company to see why and was told it was because I hadn't paid the bill. Well, when I told the rep that having my card declined was very embarrassing that person 's response was quite XXXX and XXXX and in a fit of pique I cancelled the card ; the agent said fine. Several days later I received a {$660.00} check which I have not cashed. 

I called the company to ask what happened to the the rewards on the over {$13000.00} that I paid shortly after this conversation, none of which was overdue. I was told that when I closed the account, I forfeited those rewards. I asked for documentation to support this policy, that I must have signed in order to open the account. I was told that I could not have that. The person told me that that policy was explained to me by the agent who closed the account at my request, not so. I asked for the recorded record of my call and was told again that I could not have that. I would not have closed the account had I known of this policy and simply would have not used the account until after my rewards were paid.

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 2020-09-18
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Syncrony Bank/Paypal calculates starting balance incorrectly on bills then charges incorrect interest rates then harms credit rating of consumers.

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 2021-03-01
Company: SYNCHRONY FINANCIAL
State: MN
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 keep getting phishing emails claiming to be paypal. They say my account is on hold until I verify information. I went to my account and it wasn't on hold. I have sent several of the phishing emails to spoof @ paypal. Today I had a chat with paypal twice and was told they would transfer me to an expert. When transferred it was for a 7 day trail for {$5.00}. I wrote paypal and they told me to go to their resolution center and file a complaint. The complaint wanted to know the who the seller was, problem, when I purchased the product, the transaction ID, reason for dispute, and to give additional information. It said after 20 days they would investigate the with the seller and I could file an escalating problem. If it wasn't resolved they would take note of it. This was totally irrelevant information. I wasn't going to click where it said verify because that would open my account up to all my information. I don't know how to get these phishings to stop.

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 2020-07-07
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contact Navient customer service on or about XX/XX/2020 to see how can I go about paying my private student loans that had charged off. I was given a number to XXXX XXXX XXXX , XXXX. I contacted them and spoke with XXXX who informed me that I can settle for less and the accounts would be satisfied in full. I made the payment of {$2500.00} on XX/XX/2020. Since then I have contacted navient on several occasions asking about when will my private student loans show {$0.00} due, the payment shows on my account. I was informed on XX/XX/2020 that XXXX didn't submit documentation showing the loans were settled they just submitted the payment. So I contacted XXXX and they assured me that they sent over all docuemtations. On XX/XX/2020 I called navient and XXXX again to rectify this matter and the blame game started again. Navient don't know why or what to do because XXXX haven't provided them with the documentation whereas XXXX stating they provided them with the same documentation they sent to me ( I will upload it here ). Needless to say on today it still shows a balance and no one still knows how to update anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called Barclays XXXX today regarding my multiple disputes on a inaccurate account that was due to fraud reporting on my credit being updated as accurate by Barclays. I have requested validation a copy of a signature or address these bills are being sent to I was told by the rep they couldn't help me they refused me any information even a account number, but they are reporting this on my credit as accurate? I asked them to delete this or provide me with the info requested. I was sent to 2 supervisors XXXX who couldn't help me, then XXXX who also refused to verify any information with me. but gave me a number to a collection agency. I am requesting this account removed from my credit immediately.

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 2021-03-01
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An individual went the a credit union PENFED and opened an account with my information!

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 2021-04-27
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX I purchased a car with my American Express serve card. By Thursday XXXX XXXX the car dealer took the car back because the car was very broken. They advises me there associate took the American Express by accident he was new and did not know they did not take it. The dealer advises to place a dispute in the charge and they would approve it and Amex would give me the money back. Since then no one at Amex can answer a question, they continue to extend the time for the dispute. The car dealer approved the reversal on XX/XX/XXXX and I am attaching said letter. No one at Amex can explain why you money is still not returned and refuse to help in any way. I have been hung up on, lied too, and still do not have my XXXX back. No one has a answer as to why they just say the dispute team is looking into it but never let me talk to someone handling the actual dispute. They give me nee dates further and further out each time, but zero answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01
Company: Upstart Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This company needs to be stopped immediately from their false advertising and predatory lending practices. I applied for a personal loan over 1 month ago, was approved for {$14000.00} personal loan. I have continuously been asked for a more and more documents and every time I have been asked for something else, I have returned the items within 24 hours. My rate and terms for the {$14000.00} loan were set to expire on XX/XX/XXXX, still pending a response from an Underwriter to my application and attachments. I called on XX/XX/XXXX and the individual said there was nothing to worry about as my docs would be saved and honored. That was a lie, the next day when an Underwriter was finally able to review the application, they re-ran the credit and said I was only approved for {$4500.00} with a higher interest rate. WHAT THE ACTUAL & & % & %? I took it because I am still trying to consolidate and pay down my credit card debt. Luckily they saved all my attachments from the original application. However, they keep asking for a Form XXXX from my tax return, which is a schedule linked to my business write-offs from my personal taxes. I have spoken to my CPA and he and I both agree, this is not Upstart 's business. My business write-off 's against my personal income is not the concern for a PERSONAL loan. My personal income is what should be derived to approve a personal loan, anything else is just not their business. Anyway, I submitted an explanation on XX/XX/XXXX with the new terms and rate expiring on XXXX. Yesterday, 2 weeks later, they finally reviewed my application and said that they needed Form XXXX again and if I didn't have it, to say I didn't have it and they would continue on without it. I haven't even had a chance to call and speak to someone and I get another notice that not I'm approved only for {$1800.00} and for a higher interest rate? This is b.s.!!! They keep delaying the review and moving the goal post and not holding true to their terms. And it takes them forever to review my XXXX application! Stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
XXXX ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried placing a security freeze on the credit files for each of my XXXX children. Experian only placed the freeze correctly for XXXX of my children, and sent me confirmation. The other 3 requests were disregarded as duplicate requests for myself, even though every request had individualized information, was sent in a separate envelope, and contained a written statement from myself detailing the nature of the request. I am unable to contact a live person at the company via phone as all of their numbers are automated, and no email address exists for consumer inquiry, nor is there the option for me to chat online with a representative.

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 2019-06-04
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sent XXXX XXXX {$40.00} ( with a {$2.00} fee ) as well as XXXX XXXX {$40.00} ( with a {$2.00} fee ) through PayPal on XX/XX/XXXX as payment for concert tickets. The correct tickets were not sent and the recipient refuses to refund me. The status for both payments is " Money Sent '', but there's no way to cancel this payment. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: LA
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 got my free credit reports this past Friday. My Experian credit report shows an incorrect current employer. I am worried someone has tried to steal my identity. I have tried contacting Experian through phone, calling multiple numbers, at different times. I can not reach a live operator and there is no option on their menu to report inaccurate information. It does not appear possible to contact the company to report a mistake on their report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation