BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a A/C cleaning package by a company called XXXX XXXX I bought the coupon for the company XXXX XXXX XXXX after reading some of the reviews I bought the package and made the appointment. A Mr arrived and proceeded to hook up a vacuum in on of the air vents and looked at my ac unit in which he told me was in good condition but I needed a sanitizer to make the ac run better while this the electricity went out and he had to go to the breakers to restart. He told me the sanitizer would be {$170.00} dollars and he kept talking really fast and I felt really weird and pressured .He pulled out a little canister and started spraying an air freshener in the air. Can I give you a check he says dont you have XXXX I said yes. So I entered my bedroom where my computer was at as he followed me in and stood behind me while I opened my computer while I opened my bank account and sent him the money. At the same time he said you also need to give me a good review. In which case I did all this while standing right behind me. He left my bedroom and I got up feeling violated in some way. I called the bank Chase to try to cxl the transaction to no avail and contacted XXXX XXXX to no reaction to what happened. I filed a police report with the XXXX Police Department and was referred to the Detective Unit for investigative XXXX Intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: CA
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:
15 U.S.C 1681s-2 ( a ) ( 1 ) The Inquiries listed below are fraud and inaccurate and are not mine. I need These inquiries removed from my credit report immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I had 5 separate charges from XXXX XXXX XXXX each for {$200.00} for a total of {$1000.00}. I've attempted multiple times to resolve this with XXXX XXXX and inquired about obtaining more information about the charges I'm writing on several occasions. I filed a police report as the only information XXXX XXXX gave me was they were cash withdrawals even though I did have my card in my possession. I advised direct express that in the weeks before the fraudulent charges I did receive an email that appeared to be from their company stating my account was locked and I would need to enter my card # and pin to unlock it. In hindsight I realized that this was obviously a scam to obtain my card # and PIN.. I've provided XXXX XXXX with my concerns in writing and the evidence to support my claim to no avail.. They refuse to investigate my claim despite the indisputable evidence that my claim is valid and I was scammed for {$1000.00}. XXXX XXXX is not following federal law at this point and have blatantly disregarded the laws put in place to protect consumers in such matters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had issues back in XX/XX/2015I asked my bank to close my account on my choice becouse there were errors and I couldnt deal with it so I asked to close the account. Now am denied to open an bank account in every bank I go to I keep getting letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: FISERV INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
TRS recovery services are claiming I owe XXXX $ from XXXX and now I owe XXXX $ instead from a transaction on XX/XX/2021 for insufficient funds. Thats impossible because XXXX XXXX wont allow money to be deposited if the money isnt there and I always have money before making a deposit. I checked out the review for this company and its obvious this is a scam. Theyre asking for a cashiers check or money order if not they have my information and I wont be able to cash checks or open up any bank accounts unless I pay. I just want to make sure I dont have to take any action to avoid my credit being messed up even though this is a scam company thats been going on for a while

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: COMMERCE BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021, I opened an account with Commerce Bank and while signing up I used promo code XXXX to receive a {$500.00} sign up bonus, but I never received the promotional bonus. 

The terms indicated : Here 's how to get your {$500.00} bonus! 
XXXX. New customers only : Click Apply Online button to open a Commerce Relationship Checking account with {$100.00} by XX/XX/2021. 
2. Make 10 debit card purchases within 60 days.

3. Have at least {$2500.00} in your account at the end of daily processing 60 days after account opening 4. Watch for your bonus coming to you! 

On XX/XX/2021, I sent a secure message requesting the status of my bonus. On XX/XX/2021, I called Commerce Bank and I was told I would be paid the bonus on XX/XX/2021. On XX/XX/2021, I called Commerce Bank and I was told that the promotion was for Kansas residents only. I indicated that I had the flyer that did not indicate the promotion was for Kansas residents only. The representatives indicated she would send the information to the research team and get back to me. On XX/XX/2021, I received a call from Commerce Bank indicating they researched the issue and will not be paying the bonus because the promotion was only for Kansas residents. I asked the representative If I could email here the flyer that I received, and she told me there was no way she could receive emails. I asked the representative that I would like to file a complaint. The representative took down my complaint and indicated I would receive a call back. 

On XX/XX/2021, I received an email from XXXX XXXX indicating that the promotion was for residents of XXXX Kansas and Commerce Bank would not honor the bonus. On XX/XX/2021, I sent XXXX XXXX a copy of the promotion that I received that did not indicate anything about a residency requirement. On XX/XX/2021, I sent a follow up email to XXXX XXXX XXXX to ask if she read my response and if Commerce Bank would be honoring the bonus after reviewing the documents, I emailed her. I have yet to hear back from XXXX XXXX XXXX or anyone else from Commerce Bank. 

After reviewing my documents, I would like Commerce Bank to honor its promotional bonus as I have met all the requirements to receive the bonus. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX  and XXXX XXXX XXXX card were paid with agreement to delete the account information, XXXX XXXX states a request to delete was sent in XXXX/XXXX/2020 of last year but still reporting on credit report and XXXX XXXX is now stating they are no longer willing to delete the information on the report and information does not reflect accurately on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: ABR Recovery Services LLC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A company called ABR Recovery Service keeps putting a derogatory collection on my credit report that is decades old. They keep putting it on there as if it were a new debt asking for {$1100.00}. The name of the original credit card company is XXXX, and I think I had a credit card with them over 20 years ago, but cut it up when I got divorced in XXXX. 
Now, ABR Recovery Service can't even keep track of how many times they have put this on my credit report, so now the exact same thing is showing up on my credit report twice, only on one they put the origination date of XX/XX/XXXX and on the other an origination date of XX/XX/XXXX, so it is completely destroying my credit on XXXX  because it's appearing as two separate derogatory marks on my credit. To be clear, nothing was " originated '' on either of those dates. I looked it up and this is called illegal re-aging, taking a very old debt and making it look like it's new.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: SYNCHRONY FINANCIAL
State: OH
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:
Synchrony falsely advertises my home card can be used at XXXX XXXX. I went to XXXX XXXX in XXXX ohii and the card would not work. I spoke to a supervisor on XX/XX/XXXX from synchrony who told myself and XXXX from XXXX XXXX that I should be able to use the card by XX/XX/XXXX. I went back today and the card still would not work. They are fraudently advertising my synchrony home can be used at XXXX XXXX. Then they are lying to XXXX  and myself stating that the card will work by XX/XX/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 2021-09-24
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:
Reference From Paypal : ID : XXXXAccount permanently limited XXXX XXXX received a letter from Paypal stating that I can no longer use my paypal account for no reason and paypal is holding my money USD XXXX up to 180 days or 6 months. I would like a fair resolution of this issue. I'm only using paypal for sending and receiving funds from my relatives abroad and salaries for my online jobs and I can see no excessive risk associated with my activities. 

Paypal must restore my access and must not hold my money as I need it asap. 
Please reinstate my paypal account. My email address is : XXXX. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: MRS BPO, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt was charged to my credit by a person with the same name. 
Called the debt collection company on XX/XX/XXXX, and they removed the debt from my credit. 
They reissued the same debt XX/XX/XXXX. 

This is not my debt. 
Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$1500.00} - - - Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1500.00} Original Creditor XXXX MOBILITY Past Due {$1500.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Randolph, Boyd, Cherry and Vaughan
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My starting debt in 2012 was {$6000.00} but every year lawyers fee and courts fee increased my debt close to {$20000.00} now. Garnishment almost for the last 9 years. Nonstop harassments calls and letters to my workplace. Police went to my home and try to arrest me. No relief in sight and I called for settlement but they offer 80 % of {$20000.00}... Just wondering about certain rights that I have 1. In Virginia, Four-year statute of limitations on auto loan debts. 2. Modern Day Debt Slavery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Paypal Holdings, Inc
State: CA
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:
My account was charged by XXXX for the violation of the Acceptable use Policy of {$3100.00} without a valid reason. 
Transaction Date : XX/XX/21 Amount : {$3100.00} Transaction ID : XXXX XXXX. There was no violation from my side. I sold an item on XXXX, a 100 % authentic XXXX XXXX, and received POSITIVE feedback from the buyer - Transaction ID XXXX XXXX. To protect from any problems, XXXX put a hold for 180 days and I received a letter that I can withdraw my money if during 180 days no issues arise - THERE WERE NO CLAIMS OR ISSUES- I HAVE GOT A POSITIVE FEEDBACK - AND THE BUYER IS HAPPY 3. I did not Violate any of the terms of the Acceptable Use Policy and this transaction caused ZERO damage to any party involved.

I would like you to check all the records and positive feedback to see that nothing was violated. Cancel this withdraw that was made by mistake and return my money back so I could withdraw them and close my account. 

Otherwise, will I have to use legal enforcement : - I will join a class-action lawsuit - I will submit a complaint to CFPB ( Consumer Financial Protection Bureau XXXX and XXXX - I will file a claim in the local small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed incorrect information contained in my credit report in a letter date XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. Please see the attached dispute letter that is dated, and time stamped. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: MA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; 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 XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-12-12
Company: Experian Information Solutions Inc.
State: MO
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:
Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters

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 2021-09-24
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
US Bank ReliaCard : Dear Sr. or Madam : My name is XXXX XXXX XXXX. 

I Do not agree with the resolution to my case ( Dispute Claim # XXXX ). I did not transfer the money to this individual XXXX XXXX. This person change all my personal information, in the banks website. I could not used my user ID or password to get into the banks site. After I had a new password and user ID, I looked on my personal information. My personal information was different. It had a new e-mail ( XXXX ) it had a new cell number from XXXX # ( XXXX ) XXXX. The bank needs to investigate further to resolved this issue. I have waited for more than a year and I want my XXXX dollars back. I have already send all the information that it was required of me liked my current ID, W2 form, SS #, and police report. I do not know what else do I need to do to resolved this fraud.

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