BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: JPMORGAN CHASE & CO.
State: MI
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:
XXXX XXXX was forced to close pursuant to an Executive Order of the Governor of the State of Michigan in XXXX. On XX/XX/20 we notified Chase Bank ( issuer of a business Visa credit card ) that we were being forced to close and that we did not know how long this closure would last. 

During the closure, we did not receive mail service to our location. 

We have now been allowed to re-open and are reviewing all bills that have now been delivered. We have statements from Chase for the Visa credit card that show interest charges that accrued during the time of the closure. 

I called Chase today ( XX/XX/20 ) and asked that these interest charges be waived, as we did not have accounting staff allowed in our office during the shutdown and no way to pay them. They stated that they are only waiving late fees and are not waiving interest charges. 

As we were unable to pay bills during this government-mandated shutdown, we don't feel we are responsible for these interest charges and would ask for assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made three deposits, XXXX, XX/XX/2018, XXXX, XXXX, XXXX, XXXX. Well Them I paid my rent, which included some back rent, then paid the rent for XXXX. All totaling about {$1900.00}. The checks bounced and when I checked, there was a verification hold on my account. I called the number, several times, only to be sent to a voicemail. I tried other ways, but always got sent back to the voice mail. It said they would call me back. They never did. Now I'm in danger of being evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal frequently. my email linked to my paypal is XXXX but i cant change it to my new email to see anything they sent me ethier

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. On XX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father 30 miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
on XX/XX/2021 and XX/XX/2021 I recieved a adverse action and was denied credit I know a adverse action is for the denial of employment and insurance no credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
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:
These are not my accounts listed in this report. Please remove them. I also attached my personal documents to depict who I am. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: NJ
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:
added a loan that was previously removed you can not do that without Notify me first law does not allow such act 5 days prior remove the ftc violation you committed Both XXXX loans

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 2020-07-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Requested reporting agency provide Metro 2 complacency of reporting 30 day late on report XXXX XXXX XXXX  XXXX Account number XXXX Paid, was past due 30 days

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 2020-05-13
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get some assistance from Loan Care and they will not return my call. I wrote them a letter on XX/XX/2020 regarding my XX/XX/XXXX mortgage payment. Funds in the amount of {$2500.00} left my bank account on XX/XX/2020 and they never applied them to my mortgage balance. When I discovered this I made an additional payment over the phone for {$2500.00} on XX/XX/2020 because they said if I did not I would be reported as delinquent to the credit bureau 's. 

I received a letter back from them on XX/XX/XXXX through this website still insisting they did not receive my payment and requesting proof of payment from XXXX ( my bank ). The letter was signed by XXXX XXXX at XXXX ext XXXX. I left him 2 voicemails asking if he would please provide an email address so I could email him the proof of payment from XXXX. I have not heard back and I just don't know what to do at this point. I would like my additional mortgage payment returned to me. 

Any assistance you could provide in this matter would be appreciated.

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 2020-08-30
Company: Experian Information Solutions Inc.
State: MD
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 recently obtain a copy of my credit report and noticed accounts i did not authroize

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 2021-02-21
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I Have an Apple Bank credit card that I use through my mobile wallet on my XXXX. Everything worked wonderfully until XX/XX/XXXX from which point onward I have been unable to view transactions occurring on my account, view statement detail, and otherwise manage my account. I can still make charges, but I can not see if my payments and refunds have been applied, or if there any illegitimate transactions being applied, or any interest being applied ( there should be none - Ive paid my interest-free balance every month by the due date ). 

On XX/XX/XXXX, I contacted support via XXXX  Chat. They sent me a link to check my transactions and the link opened to garble ( attached ). They had no other way to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

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 2019-11-15
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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 Target Red Card credit card account # : XXXX has fraudulent transactions/charges on the account. My Target was lost/stolen and all the charges and transactions on the account are fraudulent and unauthorized. Target is trying to hold me responsible for fraudulent and unauthorized charges on my Target Red Card account that dont belong to me and isnt my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: AMERICAN EXPRESS COMPANY
State: PA
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 XX/XX/18 I returned a previously purchased item back to the store ( XXXX XXXX XXXX ) with the expectation of having the funds returned to the Bluebird card that was utilized for the purchase, in the amount of {$44.00}. 

On XX/XX/18, I noticed that the {$44.00} was pending to be returned to my account, but for some reason the returned item said the return was " under review ''. I contacted the American Express Bluebird company to get an explanation of what " under review '' meant. The customer service representative stated that its under review because the monies had not yet been received from the store returning the monies. So I stated that its untrue that monies are waiting to be received, because XXXX XXXX XXXX confirmed that the monies was returned to my card on XX/XX/18. 

I asked to speak with a supervisor ( XXXX ) who again stated that my account says " under review '' because the monies had not yet been received. The supervisor stated that the money would not be released into my account until XX/XX/18. 

I asked the supervisor how could the money not be received when it's stated in the account activity. The supervisor stated that all she could tell me was that I will have the funds released on XX/XX/18. 

I have never experienced this scenario before with this company. Anytime my monies have been returned on a purchase, I had my money released to my account. 

The American Express Bluebird card company has not been helpful at all. 

In addition, in the past I have had to recoup monies from the company for ATM fees that were never supposed to be charged. The company is unethical in its practices, and they are holding onto my money after its already been released by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
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/2018 I made a transfer out of XXXX for what I thought was {$290.00} but when it actually went through it was {$2900.00}. I got a text from Chase asking if approved the transaction. I texted back no but then realized it was approved, just the wrong amount. Chase then called me and I told the customer agent that it was approved, but the incorrect amount, I was then transferred to file a complaint against XXXX for the {$2900.00}. I opened the claim as wrong amount but somehow Chase made it a fraud claim. Three days later, I then called back to explain that it was not fraud but wrong amount dispute. Chase helped me reopen a claim and said everything would be fine. However, two weeks later I got a letter in the mail that both claims were closed and my temporary credit was being revoked on or by XX/XX/XXXX. I then recalled Chase and reexplained the situation and they helped me reopen a claim which was again denied and my credit revoked. I contacted the merchant ( XXXX ) multiple times throughout this process and they keep insisting they have returned the full amount ( XXXX ) to Chase because of a claim that I had filed. However, both my temporary credits were revoked and Chase had at that point closed all three of my complaints without giving me my money back. At the same time, the balance which was in my XXXX had all XXXX removed. As a large corporation, I trust XXXX as they e-mailed me multiple times : XXXX from XXXX here. I am an account specialist and I will be managing your case moving forward. 

1. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX CDT Hi XXXX, It looks like your payment of {$2900.00} made on XX/XX/18 was disputed by your card company and caused loss on your account. The held funds in the balance were used to recover this loss. 

I would recommend reaching out to your card issuer, as it looks like they have filed a chargeback for this payment so they would have reimbursed you. 

2. XX/XX/XXXX Thanks for following up. I can confirm to you that the funds from the transaction you are referring to were returned back to your bank as part of the chargeback dispute. Please note that these can take up to 90 days to process by your bank. If you bank is claiming that they denied the claim, you will need to recover those funds from them as they have been returned to Chase at this time. 



I am now stuck as Chase refuses to do anything becuase they say I filed an unauthorized claim when it was authorized as an agent had called me and I said it was approved. However this is not exactly the case. ALso, XXXX insists they have returned the funds to Chase but my account is still absemt of XXXX. I would just like for the funds to be returned to me and not be caught in a cycle where both the bank or merchant refuse to do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: CNG HOLDINGS INC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX I went to the XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX VA ( XXXX ) to purchase a new dishwasher. While checking out, the store employee told me that I could purchase the dishwasher either outright ( which I had intended to do when I went to pick up the item ), or I could make biweekly payments with no interest for the same cost - they would just deduct {$42.00} every two weeks from my bank account. I decided to try the payments since there would be no difference in the cost. 

Fast forward to XX/XX/XXXX - a company called TEMPOE has been taking {$42.00} from my bank account every two weeks beginning on XX/XX/XXXX. Thus I have now paid {$770.00} for a {$450.00} dishwasher that I was perfectly capable of purchasing outright at the time of my purchase, but was grossly misinformed about what I was signing up for. 

On XX/XX/XXXX, I called TEMPOE at ( XXXX XXXX XXXX XXXX per the last charge on my account to ask what these charges were for. They informed me that I had signed up for a lease of this item I intended to purchase outright. When I told them that I never signed a lease for an item - I was told I was just making normal payments for the cash amount - they told me that they could close out the lease. But I paid over {$300.00} more for the item than I was told at first, AND I NEVER RECEIVED ANY DISCLOSURES OR AGREEMENT FOR A LEASE. After explaining this, the TEMPOE employee noted that they had emailed it to an email address that was not mine - confirming that no terms were ever disclosed. 

The TEMPOE employee has put in a request to refund {$300.00} to me, but was very clear that there is a good chance they will not approve the refund. I am filing this complaint because I sincerely believe that the money is owed back to me due to the fact that I was not informed that I was signing up for a lease but instead was told I was buying something same as cash, just making payments instead - and that no lease agreement or disclosure of any terms were provided to me. I am also questioning the integrity of this service based on what I have gone through. 

I have attached a history of all of the payments made to this company since my intended purchase ( and unintended lease ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
There is a paid lien ( XXXX ) on my credit report that has a redacted SSN. I've filed disputes with Transunion as well as sending them a certified letter for which I got no response. 


Included is copy of the lien so that you can confirm it does not meet the rules set forth in the XXXX XXXX XXXX XXXX ( XXXX ) that states liens must have a full name, address, SSI ( full SSI, not partially or completely redacted ) and/or DOB to be reported on any credit file. XXXX is the new guidelines they are to follow which went into effect for tax liens and judgements on XX/XX/2017.

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 2021-01-21
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with Citibank N.A. through their online portal and funded the account in the amount of {$15000.00}. I received a bank statement for the period XX/XX/2018 through XX/XX/2018 that stated that the deposit had been made on XX/XX/2018. 

On XX/XX/2018, I called Citibank to inquire why I could not activate the debit card that they had sent me and I was advised that the account had been closed by Citibank. They claimed there were issues about my address and they unilaterally closed my account when they could not resolve the issue. I was further told that in order for Citibank to send me my money they would need a copy of a utility bill. On XX/XX/2018, I faxed a letter to Citibank that stated that I do not have a utility bill in my name as they are in my husband 's name and his last name is not the same as mine. I faxed Citibank a copy of the debit card which I had received and the copy of the bank statement as proof that the address that they had was a good address. 

On XX/XX/2018, I called Citibank to confirm receipt of my fax. I spoke with XXXX in the New Accounts Department ( she refused to give me any last name or employee information ) and she said that she could not send me my funds unless I had a utility bill or went into a bank branch to get my money. I live in Georgia and the nearest branch is in Washington D.C. I offered to send a copy of my driver 's license to prove my address but she told me that that was not acceptable. I asked to speak to a supervisor and XXXX told me that there was no supervisor available. 

I need the help of the CFPB to get me my {$15000.00} which Citibank is illegally holding.

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