BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 capital one credit card got hacked and been using purchased with gift card since XXXX to XX/XX/XXXX. Such as XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. Someone have access to my account and trying to make payment to the credit card, and the payment failed the capital one company and the payment is been return. The payment account are not under my name and I dont know these account either. Now my credit debit is XXXX dollar with capital one platinum credit card. My credit limit is only XXXX I dont know how does it go up to XXXX amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: WI
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:
I initiated a dispute of {$250.00} against XXXX XXXX XXXX on my Chase United Quest credit card in XXXX, as they ( XXXX XXXX XXXX ) did not provide the service that they promised. On XX/XX/XXXX, I received a letter from Chase saying that the merchant responded and that Chase was agreeing with the merchant and considered the dispute closed. Along with the letter from Chase was an attached letter from the Vice President of XXXX XXXX XXXX. I read through the lead where he made numerous false statements against me, and I immediately called Chase asking to re-open the dispute. 

I called Chase and was told I had to fax my account of events along with any evidence that I had. On XX/XX/XXXX, I faxed my statements along with evidence that the Vice President of XXXX XXXX XXXX was lying and that they never provided the service that I had paid for. 

Chase sent me a letter on XX/XX/XXXX, again, saying that they considered the dispute closed. I called Chase again in which the Customer Service Representative told me that Chase took the original letter that XXXX XXXX XXXX published as evidence, and did not ask for further evidence even though the letter I faxed in clearly showed that XXXX XXXX XXXX was at fault. 

I told Customer Service Representative that I wanted to re-open the dispute again and they told me that the time period for that has expired. 

Chase 's unwillingness to even read my letter, which clearly showed XXXX XXXX XXXX 's deceptive business practices is what led me to file this complaint. 

I am attaching my dispute letter to, and all the evidence I submitted to Chase below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: NORTHWEST BANCSHARES INC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My wife purchased a new vehicle through XXXX and her loan was set up through Northwest Bank. When she set it up, she was told she would be sent information in the mail with account number information on how to set it up. She never received this information and when she called to try to pay over the phone, she was told she couldnt because she didnt have her account number. This went back and forth for months ( they called me and harassed me multiple times on my work phone too ) and anytime wed call to try to pay, they werent able to help us. We finally connected with someone about a month ago and they told us your car is in repossession status and you have 2 days to send us a cashiers check for roughly {$2600.00} or else your car will be repossessed. They told us they had sent something in the mail about this ( which we never received ). We told them we had tried to pay for months but their agency was extremely unhelpful/rude/condescending and werent able to help us pay. The car is paid up-to-date now but this saga crushed both of our credit scores which is extremely unfair. My credit history was spotless before this situation happened and they havent done anything to rectify it. Please help me and my wife as we dont feel that its right for our credit scores to be impacted like this. I have personally seen a drop of between XXXX points which is insane. 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 2022-10-17
Company: EQUIFAX, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX : # 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, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a loan with several companies and they replied they were not able to view my credit report. One company saying they couldn't view the report is normal for normal fraud but all the companies that I tried reported they couldn't view my credit report. I called the reporting company TransUnion and they said the companies could view my credit report. So XXXX XXXX XXXX is lying and others also. I find the constraint of not having a financial market frustrating especially since a bankruptcy just dropped off my record. I cant get a loan no where I tried all listed online. Please, just tell me whats going on?

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 2017-07-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been working with a company called XXXX. I 'm able to get payday loans but my bank have to send them updates of my account. My bank is Chase Bank and they do n't send the updates to XXXX in a timely manner. It slows the process of me getting my loans and I need the loans to pay bills on time. Today is XX/XX/2017 and I needed to pay a bill today before XXXX and I missed my time frame. Because XXXX still has n't received an update. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX  ; XXXXXXXX XXXX ; LXXXX XXXX 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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 : The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C 1681. 
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 
15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-29
Company: TENET HEALTHCARE CORPORATION
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint back in XXXX with CFPB against XXXX XXXX XXXX. I have yet heard from XXXX XXXX XXXX and 15 days have passed. The debt is {$190.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: WELLS FARGO & COMPANY
State: GA
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:
We bank with Wells Fargo. We just paid our rent and checked to see if our rent check cleared on XX/XX/XXXX, when we saw a transaction on XX/XX/XXXX from a company listed as XXXX XXXX XXXX for {$250.00} that we supposedly made on XX/XX/XXXX. Not only was this transaction not authorized by us, we have no knowledge of the company. We called Wells Fargo that day to dispute, but it is still listed as an authorized purchase.

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 2022-12-22
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I received a notification that an alert was on my credit report today XX/XX/22. Someone opened a inquiry and credit card for CBNA/ THD ( Home depot ) today XX/XX/22. I called XXXX to dispute and they placed a fraud alert on my credit. Then I called Home Depot credit services to dispute and make them aware. They stated whoever did it used a different address to open a credit card using my name and social today but it did not have any charges on the card as of yet. They cancelled the card immediately and changed my address so they do not receive any further information in regards to the card or 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 2023-10-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I declared bankrupcy recently, and have just begun to begin to repay my student loans. After hours on the phone with multiple documents, I was finally sent an email from Navient, dated XX/XX/XXXX stating : " XXXX, we've approved your request for an Income-Based Repayment plan. 

Now that you're approved for an Income-Based Repayment ( IBR ) plan, here 's a quick overview of what you can expect next. 

Plan overview Your Monthly Payment Amount : {$56.00} Plan begin date : XX/XX/XXXX Plan end date : XX/XX/XXXX ''. 

Upon opening my email today ( XX/XX/XXXX ) I received a new statement, stating : XXXX, here 's a snapshot of your monthly statement. 
Total payment due : {$280.00} Due date : XX/XX/XXXX I feel abused as a consumer, and emotionally drained from trying to deal with this company. Please, please help ... my income has not changed in years. 

Most kindly, XXXX Account # : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: DISCOVER BANK
State: MD
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 reached out to discover for debt validation and upon checking the statement received and charges. It shows there was an outstanding balance as of XX/XX/2020 for {$1800.00} but after checking on credit reports, it shows discover reporting I owe {$1900.00} which was not provided on the statement/validation received from them. 

Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Statement was for XXXX XXXX XXXX and after the account was closed, it shows on XX/XX/2020. It shows I had an outstanding balance of {$1900.00} but the validation was wrong as it states I owe {$1800.00}. Investigate this and do necessary deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 hackers gained access to my bank account and my cell phone account. 
the hackers cancelled my XXXX XXXX XXXX phone number and had that number transferred to a pay as you go phone. This phone number is attached to my Bank of America checking account. when the hackers had control of my phone number and my banking information they requested a wire transfer of {$4400.00} to XXXX XXXX XXXX. I know this because I immediately contacted Bank Of America and told them that I DID NOT authorize this transaction. I asked them repeatedly to stop the wire transfer. I was told that the wire transfer was approved by a " code '' that was texted to my cell phone. I explained to them that Hackers had gained access to my XXXX XXXX XXXX cell phone account and had control of my phone number and that any texts that were sent to my phone number in fact went to the hackers, and not myself. XXXX XXXX XXXX was very helpful on their end in helping me get my account with them fixed and getting my number back the next day. My bill with XXXX XXXX XXXX shows the cancelation on XX/XX/2019 and the the reinstatement on XX/XX/2019. 
the Bank of America claim # is XXXX. My claim was denied twice. This is NOT fair.

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 2019-12-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

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 2023-10-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I got the gift card and tried using it at different merchants in store and online. It is a {$50.00} Amex gift card. I tried using it on XXXX a few times but it didn't work. The totals of what I wanted ranged between {$43.00} and {$49.00} every time I tried. I then went to amex customer service and they said they I should trying inputing it as a credit card but that did work. I tried it in store with apple and the physical card and it didn't work. I tried it on other apps to see if I can get the money that way and it didn't work. When I went to check the balance of the card it still has {$50.00} on it. When I look at the transactions it just shows failed attempts with {$.00} being deduct but refunded after each transaction. Then the charges would eventually go away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/XXXX and XX/XX/2020 {$69.00} each day I have attached the information regarding the situation. 

I have been fighting this for over a year and have provided proof of what they asked. They have yet to provide proof on their end, as they just keep sending a letter stating that the charge is valid. The charge had a different phone number, as they asked me to provide proof of my phone, which I did and they said they would take care of this fraudulent charge. This charge is fraudulent and I even paid to get it notarized that everything I am stating is true and the XXXX charges are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I hope this message finds you well. I am writing to express my concern about the recent limitation placed on my PayPal account, registered under the email address XXXX. I have been informed that this limitation is permanent, which is causing me significant inconvenience. I strongly believe that this action may have been a mistake, and I respectfully request your assistance in revisiting this decision. 

I am confident that I have adhered to all the policies and guidelines that govern the use of PayPal services. As a diligent user of your platform, I have consistently maintained a high level of adherence to PayPal 's user conduct and transaction guidelines. I always strive to ensure that my transactions are transparent and within the legal and ethical boundaries set forth by PayPal. Therefore, I am baffled and distressed by the abrupt limitation placed on my account. 

I kindly request a comprehensive re-investigation into my account activities. As I am certain that I have not violated any PayPal policy, I believe that this inquiry will clarify that the limitation on my account might be an oversight. I understand that PayPal has a strong commitment to keeping its platform safe and reliable for its users, and I am confident that a detailed review of my account will reaffirm my compliance with PayPal 's rules and regulations. 

Should there be any specific transactions or activities that have led to this restriction, I would appreciate it if you could provide me with the necessary details. I am ready to provide any further information or clarification that may be required during the re-investigation. 

The functionality of my PayPal account is critical for my personal and professional transactions. A permanent limitation poses a significant hurdle for me, which I hope can be rectified swiftly. 

Thank you in advance for your assistance and understanding. I am looking forward to a positive resolution and the restoration of my account 's full functionality. 

Yours sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation