BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a complaint against JPMorgan Chase Bank XXXX. XXXX XXXX XXXX DE XXXX regarding a card services annual renewal fee of {$85.00} that was not refunded to me when I cancelled the card XX/XX/XXXX. When I called customer service to cancel the card because of the recently assessed annual fee in XX/XX/XXXX, I was not told on this call that there was any issue with this fee being refunded. I was fully expecting to receive a check in the mail based on my phone call to Chase. The last four digits of my card are XXXX. 

Each month I pay my balance in full online. I do this fairly quickly and often before the due date. I did not notice until the after that payment that I had inadvertently paid the annual fee. I no longer have any credit cards that charge these fees and had signed on with this credit card because they offered one year without fees. 

When I did not receive a check in the mail refunding the fee Id inadvertently paid when I paid the balance due in XX/XX/XXXX I was told that I had not cancelled the card within the 60-day time frame. I asked that this matter be reviewed and was told Id receive a letter with the decision within 10 days. I did not receive a letter and called again XX/XX/XXXX. This time I was told I had to cancel within 45 days in order to be refunded the annual fee. I asked customer service if they were not going to refund the {$85.00} fee, to issue me a card so I could benefit from using a card that Chase had assessed me {$85.00} to use for renewal. I was told this was not possible. I found this unacceptable and called one more time to report that I was not told when I cancelled the card that I would not be refunded the fee. No other options were presented to me other than the {$85.00} would not be refunded for a card I cancelled and was not going to use for the one-year fee. 

What I find challenging about this matter is that I get offers from Chase frequently to sign up for new cards and/or to open a checking account with them with a $ 300-500 reward fee. Chase spends money marketing to obtain new customers but doesnt honor loyal customers with excellent credit ratings and on-time payments. 

I am filing this complaint with the CFBB to describe these unacceptable violations to consumers with Chase credit cards and to seek a refund of the {$85.00} for the yearly fee I inadvertently paid for a card I am not using. I want other consumers to be forewarned of these aggressive fee collections and the non-responsiveness to my first call and follow-up calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05
Company: Byrider Franchising, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a used car through XXXX XXXX in XXXX of XXXX. They have an on-site loan company called XXXX. As is the cars are sold at triple book value. I made on-time bi-monthly payments of {$180.00} up until XXXX. If they were late it was never more than a couple days. I became XXXX and was granted full SS XXXX in XX/XX/XXXX and caught up on any late payments in full by XXXX XXXX. However I began to fall behind again as 5 of us live off my SS. I knew that I was now in the window of repossession but had not received a formal letter as of yet only some contacts by XXXX XXXX manager ( only employee ) stating I need to call her to prevent any escalation. On XXXX, XXXX XXXX I received my SS as direct deposit. The following evening my husband went to the bank and called me in a panic that there was only {$44.00} remaining in the account and XXXX had put through 7 consecutive payments of {$180.00} totaling {$1200.00}. I contacted the bank immediately to contest the charges and notified their fraud department because I never gave authorization for ANY deductions. I called my local PD who said they could only take a report. I called the main office, after hours number and texted messages to XXXX to please call me immediately to discuss. It's been 5 days and still no communication from XXXX. They were suppose to delete my debit info. after every payment due to an unauthorized charge about a year ago. Their suggestion was to remove my payment info ( debit card number etc. ) every time I made a payment to prevent it from happening again. They shouldn't of even had my card info. let alone charge my checking account 7 times. This has put me into severe financial hardship and I am now at risk of eviction, power shut off, no car gas, no food, etc. My SS XXXX is our families only income and they took it and I can't even reach them to discuss why! I left a message that said " you repo the car, you don't drain my checking account without permission! '' and still no response. I have called every given number and texted as well, and still nothing!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bank of America is transferring calls to a Claims Department that doesn't answer the phone or says it is closed during their open hours, preventing me from addressing an ongoing credit card dispute. This morning I have been transferred by a live agent and also by their menu options to only be left on hold for over 30 mins and then disconnected or not connected at all.

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 2020-07-20
Company: MARINER FINANCE, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted this company on numerous occasions to verify this debt but no response. This is defamation of character with no verified proof of this debt.

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 2023-01-09
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a phone call around XXXX XXXX  that reads " XXXX  XXXX XXXX ''. Assuming it was a representative, I answered and the person calls to tell me that there was a suspected withdrawal from my account from a person named XXXX ( apparently bares the same last name as me ) and made an unauthorized transaction to buy automobile parts. They took {$3000.00} from my savings and {$500.00} out of my checkings. He then asks me if I know this person and I told them no. So from then on, he said he would help me get my money back and again, I was under the impression that he was my banks customer service fraud team representative from out of state that operated XXXX, so I have to had believed it. I was too desperate to want my money back, so I thought anything would help. 

So he helps me try to get my money back by asking me to zelle the amount I lost and add myself as a recipient. However, I had to add the number he provided for me as well as a code given to me that I entered once. Then when that was done, he informs me that the bank will call me in the morning to make a confirmation status, I waited next day and expected a call and nothing happened. The person who I spoke to on the phone was most likely in on the scam with the person who initially took money from me or it's the same person altogether. I have screenshots of his number and proof of the transaction. I have also contacted my bank immediately next day and they told me to call Zelle 's Fraud and Scam department 's number, so I did. I spoke with a customer service representative and she asked me questions that would help my case. She did however, told me that it would take 10 days for the dispute and at least 45 calendar days for it to be active? Not sure. But I would like to make this claim in case I do not receive my funds back since I heard Zelle may not be covered under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Wednesday, XX/XX/2019 I sent {$60.00} via PayPal with a {$5.00} fee to someone for a pair of concert tickets. I never received the tickets or heard from this person. I then tried contacting this person but was told that it was fraudulent or a scam. I then contacted PayPal & submitted a complaint/refund. They investigated this & proceeded to tell me that my funds would NOT be refunded because I did this via friends/family not goods/services. I did not know & am very upset this happened. I have pictures from this incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ownership I have no knowledge of this collection account. 
CONTACT INFORMATION PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I have tried to dispute this account but remains, I would like it removed as it is not mine and I have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Problem with personal statement of dispute

Complaint:
Kohls stated my XX/XX/2021 billing that I did not my pay credit card balance statements for twXXXX months ( XXXX 2021 ), then put a ding on my credit reporting for non-payment. I received an email notice in XX/XX/2021 from Kohls regarding my lack if payment. 

I immediately XXXX XX/XX/2021 XXXX contacted Kohl 's Customer Service Dept. to investigate this issue. Upon my discussions with Kohl 's I discovered that Kohl 's sent my billing statements to the wrong address for the last two months and not to my old address, but an address I never heard of. I relayed that info to Kohl 's C/S without my success. I immediately paid off the remaining balance of the bill and have been escalating this issue through Kohl 's C/S Dept. with without much success. 

I have NEVER missed or was late with a payment to Kohl 's in my history with them. I have a had various issues with Kohl 's the last four years since I moved with packages being sent to the wrong addresses, However for the most part my billing has been sent to my current address, except for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH
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 was notified of a derogatory mark on my credit report by my credit monitoring service. I pulled my report called the debt collection company and got the original debtors info. I called and found out it was a medical bill for my minor son who was living with his mother, my ex wife ( custodial parent ) at that time.

The medical billing department stated they billed me because I carried the insurance. The sent all bills to my ex wife 's address as that was the address they had on file. She never paid or notified me of any bill that came to her address. She signed the financial responsibility papers when taking him to the Dr . I gladly paid the billing department directly and was told before hand that it would remove it from my credit report. 
As I was never properly notified of the debt how could it be a late payment on my part? I am being punished by an error on the doctors office. Both the credit reporting agency, XXXX  and the collector. Debt Recovery Solution will not do anything about it after 2 appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CAINE & WEINER COMPANY, INC.
State: FL
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 inquiry was put on my credit report illegaly by a company i have never done business and shared my personal information. i do not remember owning this account nevertheless a status appeared stating XX/XX/2019 i opened this account, it does consist with other consumer reports i have, the company is Caine & Weiner Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: JPMORGAN CHASE & CO.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX account was compromised, passwords were lifted and used to access two of my Chase credit cards and my XXXX XXXX card. I saw the charges right away and called both Chase and XXXX. 

XXXX was able to stop the charge immediately and no further action was required. 

Chase chose to " investigate '' the charges, which led to the charges hitting my card and services purchased. The purchase was for a XXXX Ads series of advertisements ( on XXXX, apparently ). Chase moved the situation to their Fraud Department, and in their investigation they determined that the charges came from my ( hacked ) XXXX Account and therefore were deemed to be legitimate. Now the charges are recurring and each time I call to appeal to the Chase Fraud Dept. they investigate and come back with the same response, that since the charges are coming from my account they are my responsibility. Nobody seems to care that I'm not the person behind these charges and my appeals continue to fall on deaf ears. 

Today I was forced to cancel two Chase credit card accounts to extricate myself from this ridiculous cycle. Meanwhile, I've paid over {$300.00} in charges for services I never authorized. 

XX/XX/20 XXXX Ads {$150.00} XXXX XXXX Ads {$130.00} XX/XX/20 XXXX Ads {$60.00} There are more charges pending. I've canceled both Chase cards that I have. 

I don't know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 : Also states, a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have disputed XXXX  XXXXXXXX XXXX XXXX with the bank and with the credit bureaus. The information is incomplete. I will post pictures of this violation and now i want the account deleted and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
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: Personal information incorrect

Complaint:
To whom it may concern on XX/XX/2021 I provided XXXX TRANSUNION, XXXX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.

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 2023-01-09
Company: HYUNDAI CAPITAL AMERICA
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
The Insurance company determined the vehicle was a total loss due to a drunk driver causing the accident. XXXX valued the vehicle at XXXX with was XXXX less than it was brand new a year and a half ago. All payments were made on time and all maintenance was done. The leasing company decided that it was their appreciation gained in the car therefore they are entitled to 100 % of the insurance payout. Throughout the lease I would get the month to month payout and I would know the end of lease buyout so I figured the the equity in the vehicle that I paid already over the year and a half I was due at least half of that. I assumed all the risk, payments and maintenance of the vehicle but due to circumstances beyond my control ( an at fault drunk driver hitting me ) I lost 100 % of the equity and XXXX downpayment and was now left with nothing because the lease company decided, denying me any ability to appeal that they are the lease holder and are entitled to 100 % of the value of the car.

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 2020-07-20
Company: PNC Bank N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am not able to link my account with any company or service, I am Not allowed to make any purchases, i am not allowed to have money sent to my account or to use any services promised and offered to send money to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
From XX/XX/XXXX until XX/XX/XXXX, TransUnion has illegally charged my debit card {$19.00} per month for a service that I never signed up for. In XX/XX/XXXX, the IRS sent me a letter stating that my identity had been stolen. I went onto XXXX XXXX and followed a link to XXXX and TransUnion, just trying to make sure my credit wasn't wrecked. I did not, anywhere, consent to pay TransUnion {$19.00} per month for a credit reporting service that is free through XXXX XXXX and my bank. 

I just called TransUnion and they said all they could do was give me one month 's refund. That is absolutely unacceptable and I am prepared to get my attorney involved. I require a refund for every single month that TransUnion charged me, illegally, for a service I never requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief