BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
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/20 I ordered a bottle of XXXX pills from an advertisement on my XXXX  page. I accidentally pushed a button by mistake or their website was programmed that way and I got 3 or 4 bottles of other pills I did not want. I called 5 minutes after that order and spoke to a man at XXXX  who refused to cancel those extra bottles and said to return them when I got the order. There is a time limit of returning those orders and my package arrived just before the deadline. I called immediately several times and no answered the phone. No one answered the emails either. A few days later I discovered that phone number and email address were canceled. I called Chase bank, where I have been banking for years, and I filed a dispute and I got the {$80.00} back ( that was the charge for the extra bottles of pills I did not want ). Also their ad said the XXXX pills would cost about {$29.00} but I was charged {$69.00}. 

About a couple of months later Chase informed me they had returned the {$80.00} to XXXX because XXXX said I did not return their package per their instructions. I Ireturned their package at the post office and tracked the order, because I had my return address on he box, and they did receive it. I did not see any instructions in the fine print on the ad on my XXXX page and I was not able to reach them on the day I received the package before I took it to the post office. A short while later I found a new email address for XXXX and contacted them. They sent me an email saying they made a mistake and would return the {$80.00}. I contacted them later because I didn't get the money yet and they informed me that the dispute transaction was closed by the bank and the money would not go through. I called Chase bank serveral times and sent them email messages from XXXX saying they were blocking my refund and Chase just brushed me off. I sent emails to XXXX saying send me a check and they said it would have to be refunded the way they got it and they needed some kind of proof from me. This has been going on for 5 months. They have probably done the same thing with other people. BUT WORST OF ALL MY BANK THREW ME UNDER THE BUS. I made many calls to Chase and sent them copies of emails from XXXX and they have just turned their back on me and don't care the least bit about me. That IS MY MONEY IN MY ACCOUNT. Chase does not have the right to send or spend it without notifying me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Bread Financial Holdings, Inc.
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 applied for a Forever 21 card while on holidays in Hawaii. I made a payment of the balance and the check from my bank was not received resulting in a {$5.00} late charge and a fee. I provided copies to the credit card company of my payment. After calls, I was assured ALL fees and charges would be reversed. I paid the online payment that day through their online portal. Subsequently another {$5.00} charge was issued. Since I was told ALL charges would be reversed I did not even check the statement expecting no balamce. Then I looked a couple of minths later at me estatement and saw a balance. I called and they reciewed and even though I was told ALL charges would be removed, the call got disconnected and when I called back the new woman stated an amount including the {$5.00} which I did not catch. They are arguing that I should have paid an extra {$5.00} ( even though I was told ALL charges would be reversed and this second {$5.00} was not even on my account at the time THEY are WRONG! I want thos {$5.00} fee late payment removed from my account and to know what options I have to further complain about them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: Northstar Location Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi i have been wrongfully charged for an unknown debt from XXXX bank which is in the amount of {$810.00} on the XXXX of XXXX through Mail I received. I have no connection with the said debt and would like to dispute it immediately. Also I request the company desist from sending me Mails or Emails or even Phone calls regarding the so-called debt which is wrongfully in my name. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have transferred XXXX $ ( XXXX $ incl transfer fee ) to a person selling festival tickets online using PayPal account. To avoid extended transaction time, the scammer suggested me to send it as if it was for friends & family, so he would get the amount straight away and could send the tickets in return immediately. The tickets obviously never arrived and he stopped answering the messages. In this case, PayPal does not offer any kind of help at all about claiming the money back. 
He was using this facebook profile with the name XXXX XXXX XXXX : XXXXXXXX XXXX Claiming the money with the name XXXX XXXX and email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Aargon Agency, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding balance with a hospital after being cared for that I paid off ( and have proof of payment ). Several months later I was contacted by a collections agency claiming that I had not paid my debt when I had indeed done so.

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 2023-07-11
Company: WLCC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a predatory loan they are charging 800 % APR for a {$1000.00} loan they want me to pay back {$5000.00}. They want to take out {$290.00} out of every single one of my paychecks for 8 months. I will go bankrupt. I have kids. I cant afford this. Their dashboard doesnt allow me to view or download my loan agreement,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Card issuer decreased my limit randomly on XXXX XXXX. No notice or explanation from {$1500.00} to {$250.00}. No late payment or defaults on account. Spoke with supervisor who stated a review of XXXX was the reason. XXXX is my highest score. I have been working on improving my credit files while obtaining a mortgage loan. My file is currently in underwriting and all accounts are in good standing with usage less than 10 %. As a result of the sudden, drastic decrease in my limit my usage increased dramatically relative to my balance. This affects my credit score and overall file. It could result in a higher interest rate or difficulty in closing on my home. I was never notified of random limit reductions, nor have I experienced this with any other credit issuers. The card is issued through Synchrony Bank/Value City Furniture. Is this legal/ethical for a company to periodically change terms of credit without notice? Especially during the pandemic! I have been working extremely hard to preserve my credit worthiness and meet my responsibilities and obligations. This is extremely counterproductive and negatively impacts my life and livelihood, both unfairly and unjust.

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 2023-07-10
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
From approximately the year XXXX to XXXX wells fargo closed my account after making significant payments on my balance.

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 2022-12-05
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a banker and under constant scrutiny from your agency. I recently pulled a mortgage credit report for a customer of mine from the credit bureau and he and his wife received promptly got 48 calls asking if they needed credit. It was discovered that the agency can sell this information, in this day and age that seems crazy. I know a person can opt out but that can take 5-10 days after a request and what consumer knows about that. Maybe the tables should be switched and they should be opted out until they request to be opted in. This would not happen to a consumer if the credit bureau was a bank! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving phone calls from this company stating that if I do not return their call by end of day they will have no choice but to file suit against me. They have also been calling my family leaving the same messages. I have no idea what this is for. I have disputed the debt and requested copies of any signed contracts or bills to validate this is truly my debt and I have received nothing. They did respond to XXXX  and say it's a valid debt but have provided me with zero proof. It has been years since I have had any balances owed to anyone as I paid everything off. Before calling someone and leaving messages stating you are going to file suit day after day which clearly there was no intent it would make sense to send some sort of communication proving the debt is valid.

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 2019-11-08
Company: Student Loan Debt Agency
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-18
Company: JPMORGAN CHASE & CO.
State: TX
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:
Theft from a Chase Bank Account occurred and so far Chase Bank has been less than willing to correct the errors. The theft is in excess of {$69000.00}. 

The theft occurred against my brother 's bank account after his death on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Unauthorize inquiries on my credit profile that I dont not recognize and never authorized to do it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to check my credit report. Thank you sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
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: Information belongs to someone else

Complaint:
As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. Equifax / XXXX XXXX Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. 
In the amount of {$250.00} There was no written form of communication contact or signature for this accused debt at all. Stating that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information and signed contract with my signature.A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX XXXX can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: VA
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:
People from two different states in the US stole my ssn identity and it has downgraded my credit score from XXXX to 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 2019-06-05
Company: WELLS FARGO & COMPANY
State: CT
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:
Wells Fargo is refusing to investigate a fraud complaint I filed against several bars for over {$500.00} in charges for one night, as well as {$140.00} in unauthorized activity two days later. They are refusing to process my complaint, refund my account and are repeatedly making me speak with females discriminating against me because I am a male. They transferred me to over 10 females and I was told all managers were also female as well on XX/XX/2019. 

I am also being discriminated against because of XXXX ancestry and an expressed desire to visit a XXXX companys luxury hotel. 


Claims department sent detailed letter call them XXXX - XXXX XXXX   XXXX XXXX, call tomorrow XXXX XXXX, XXXX, xfer to Dual claims XXXX  XXXX XXXX XXXX, combined 2 claims into 1 claim. Claim # XXXX {$490.00} closed new claim # XXXX {$460.00} > 24 total amount {$530.00} x-fe r to supervisor XXXX ( supervisor ) XXXX, XXXX processed with several transactions 1-10 business days takes time to add transactions and dispute Claim # XXXX, 20 transactions {$460.00} ; provisional credit 24 - 48 hours XXXX XXXX, XXXX, XXXX, 24 transactions, total : {$530.00} XXXX XXXX XXXX XXXX, partially completed refund {$20.00} atm readded to claim XXXX, XXXX , XXXX, Dual fraud claim, transfer to XXXX, denied transactions , will go through transactions 2-10 business days XXXX, XXXX, XXXX, will remove {$1200.00}, {$450.00}, {$200.00} from new claim with 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 2021-01-30
Company: Experian Information Solutions Inc.
State: IA
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:
My name has never been XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In reference to # XXXX I received communication from the thoroughly dishonest Bank of America. XXXX not just to me but to officials of the US Government. I believe that is a crime. I object to the 60 day response period. I object to the bank saying they could not verify my identity. Really? Last I am in possession of an e-mail from Bank of America that proves they are lying. Either that or they can not do simple arithmetic. Not only do I want this resolved in my favor I want the CFPB to open a class-action as I am sure the bank has injured thousands and thousands more. E-mail available on request. 

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
A few months back I called all three credit bureaus regarding inaccurate inconsistencies on my credit report. I sent letters via **Certified Mail** including my ID SSN and a utility bill proving my address and identity. Yet, still the multiple inaccurate inconsistencies still remain on my credit report. I've yet to receive any information about an investigation on my report which brings me here. Please help

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 2021-01-30
Company: BARCLAYS BANK DELAWARE
State: GA
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:
On XX/XX/2020, I purchased two shore excursions from XXXX based in XXXX, Wi to be used on a XXXX XXXX while visiting XXXX XXXX on XX/XX/2020, and XXXX, XXXX on XX/XX/2020. These were each paid in full {$230.00} for the XXXX XXXX excursion and {$240.00} for the XXXX excursion. Each was paid with my Barclay Card account ending in XXXX as shown on the attached copy of my billing statement ending on XX/XX/2020. 

At that time XXXX had a published policy that stated that a Shore Excursion could be canceled at any time prior to departure and a full refund would be issued. A short time later XXXXXXXX XXXX canceled the cruise due to COVID-19 travel restrictions in the U.S. and XXXX. 

I contacted XXXX via email and requested a full refund as outlined by their published terms. I did not receive a response to my request until XX/XX/2020, when I was contacted by email ( attached ) and offered the ability to re-book the excursions to a later date or receive a Gift Certificate for a future booking but no refund despite their published terms. 

I responded to them via email on XX/XX/2020, rejecting their offer and reminding them of their published terms. I waited approximately 60 days and did not receive any further communication from XXXX. 

I then contacted Barclays and filed a complaint online about these transactions. Several months went by and I finally received a letter about Case Number : XXXX dated XX/XX/2020, in which they stated " Due to the length of time that has passed since the charge posted o our account, we are unable to take further action on this disputed charge. We encourage you to continue to pursue credit by contacting the merchant directly. '' That letter did not contain any information on how the file an appeal to their decision. 

I continued my attempts to contact XXXX as suggested by Barclays by phone and email. All phone numbers on their website either rang but with no answer or were disconnected. My emails went unanswered. 

Today, doing further research I discovered that XXXX has been placed in receivership owing 4.76 million in customer deposits for trips that have been canceled. It appears that this company took money that I and others paid them for excursions and never passed those funds to the excursion vendors who provide the excursions at the ports. I would expect that would be a criminal offense. ( copy attached ) I believe that Barclays has failed to protect the Credit Cardholders from merchants who have either acted in bad faith or have broken the law.

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