BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My chase checking and chase business account were infiltrated by a fraudulent individual. This individual made three ( 3 ) wire transfers concurrently in the amounts of XXXX XXXX, and XXXX totaling XXXX on the morning of XX/XX/2021 between XXXX. I never received a notification/verification of these suspicious transfers none of the transfers were flagged or stopped. I have NEVER made a transaction this large on any of my accounts ever. I notified a chase branch representative immediately when my debit card declined at XXXX and I logged in to see {$1.00} in my account. Chase fraud department stated they would investigate and put the money back in 10 days. It has been 10 days and nothing has happened nor have I been contacted or updated. Over the last 10 days I have went in person to multiple branches were they provide me with no update just the number for the fraud department where they leave me on hold for hours each time I call with no update. The branches are unable to provide me with the investigation report or case number. I am getting the run around after banking with Chase for 12+ years. I filed a police report with the XXXX XXXX County Sheriff Office case # XXXX. Chase advertises they are insured and will protect your money, but they did not and have not protected mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
dynamic recover solutions.calling me all time of the day even on week ends.threat me a bout taking me to court.this is not my DEB.SOME ONE OPENING UP A ACT IN MY NAME WITH XXXX XXXX PHONE IM MY NAMEI INFORMED THEME THIS IS NOT MY ACT IN 2014 5 YEARS A GO BUT THEY KEEP THREATING ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: Experian Information Solutions Inc.
State: FL
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 am a victim of identity Theft someone is using my personal information with out my Authorization

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 2017-08-07
Company: TD BANK US HOLDING COMPANY
State: TN
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:
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information without his consent to to apply for a Target account ; the account was established and Target contact XXXX XXXX and he verbal confirmed the account was openedXX/XX/XXXX fraudulently. Target was then officially notified in writing of this fraudulent activityXX/XX/XXXX via certified mail with a return receipt of the dispute information. A credit report was obtained shortly after that dispute and Target was still listed as a negative account ; at that time the CFPB was notified CFPB complaint ; D FOR COMPLAINT SENT TO TARGET CREDIT CARD XXXX  XX/XX/XXXX ; however no communication from Target to our client was ever made. As of this morning a credit report from XXXX still lists this Target account on the credit reoiort, This is now a violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX and XX/XX/2016 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I acted as a liaison between two individuals whom I do not know at the behest of a friend who is friends with one of these parties. A man from XXXX wanted to send money to his fiance living in XXXX. There was no XXXX XXXX nearby for him to access and PayPal does not operate in XXXX. He made three PayPal deposites into my PayPal account ; {$100.00}, {$120.00} and {$100.00}. I deposited these transactions into my bank checking account and then used my debit card to foreward each transaction via XXXX XXXX to his fiance in XXXX who my friend knows. The money was picked up. 
Days later, the man in XXXX Filed a claim to PayPal that he had not received the " merchandise '' that he ordered from me and PayPal settled in his favor for the amounts of {$100.00} and {$100.00} plus fees. PayPal ruled in my favor for the {$120.00} transaction. 
I have made several attempts to dispute these claims against me but PayPal is very difficult to work with. I have sent all the proof necessary. They will not look at these transactions in totality.. They will only judge them individually and can't see this as a scam. The fiance got her money and the man in XXXX got two of his transactions refunded to him. He likely " gamed '' PayPal 's system which favors the " buyer '' Im XXXX years old and have a great deal of trouble navigating PayPal 's Website and the people on their chat help line are inexperienced and follow a company protocol and are unable to help me. 
Perhaps you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CAPITAL ONE Account # : XXXX I was never late 30, 60, 90 days in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that has been disputed. Please resolve this matter as soon as possible. Thank you

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 2020-11-17
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my my mortgage. My previous servicer was Loan Depot. The refinance closed on XX/XX/2020. It is now XX/XX/2020 and Loan Depot still has not returned the balance of my escrow account. 

I called and Loan Depot claims to have mailed a check XX/XX/2020. It simply does not take the post office more than twelve days to deliver a letter. 

I called again today ( 30 minutes on hold ) and the Loan Depot representative said at this point the only resolution is to put a stop payment on the alleged XX/XX/2020 check, a process that will take Loan Depot another 10 business days to complete, at which point they would issue a new check. I asked for the process to be expedited and the new check to be sent through a means where I could have a tracking number. The employee told me that he would need to speak to a manager for that to happen. He told me I would be on a brief hold while he got his manager, then he hung up on me. 

Loan Depot has had my escrow funds for over a calendar month now. Under CFR 1024.34 ( b ) ( 1 ) Loan Depot should have returned my funds to me by XX/XX/2020. I am now on hold again, just trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: FIDELITY CAPITAL HOLDINGS, 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:
On XXXX XXXX, 2020, FIDELITY CREDITORS SVC add a collection on my credit report per XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
For the past two weeks I have tried to get them to postpone payments as I have no money. I am a XXXX ill shut in and havent worked since 2009. I can not verbally communicate so I emailed them off their secure website 4 times and they have not replied once. Now my payment is late. I need help. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report keep saying I have a serious delinquent account, but all my accounts are onetime and nothing is late.

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 2020-12-06
Company: World Acceptance Corporation
State: GA
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 did not look at evidence that world finance fraduently reported i had a new loan account XX/XX/2020 they did this to me in XX/XX/2020 if they had actualy researched this they would have found them to have illegally refreshed this account that was not with them. i will persue legal action against both companies as i see now iam getting absolutely no where this is illegal practices what is he fair credit act for????? this is not a new account and then they reported it closed XX/XX/2020 both companies ridiculous they need to do there job. look at the dates and evidence that will tell you you cant put something on someones credit report twice!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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:
It was last XXXX when they told me that they my paypal account is temporarily limited and yes i provided information and documents and they said i need to put a newly issued TIN ID or a postal id. and i did i submitted yesterday and my account was permanently limited and they said theyll gon na hold it until 180 days and thats too much for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Back on XXXX XXXX, XXXX, I filed a complaint against my bank, JP Morgan Chase, for failure to manage my funds properly. I assume my complaint was rightfully founded as a week later Chase refunded overdraft fees I incurred on my account. 

On XXXX XXXX, XXXX, I changed the setting on my checking account that concerns overdraft protection. I changed it to " No '', meaning once my account had insufficient funds to fulfill a purchase made with my debit card, the transaction would be cancelled. 

Today is XXXX XXXX, XXXX. My account is overdrawn - {$130.00} with 3 overdraft fees totaling {$100.00}. The last transaction I made was a withdrawal on XXXX where my account balance was {$1.00}. 

I am so exhausted from arguing with Chase about my measly paycheck every two weeks. For the past 6 months, I have been calling, sending messages, etc and all I get is attitude and dismissive tones about how I am somehow at fault for the math being faulty. I plan to take my business elsewhere after the holidays. No matter the balance, my money is my money and should be handled with care by my bank. 

-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment immediately.

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 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On XXXX Transunion received my dispute letter and it shows it was delivered certified on XX/XX/2020. My tracking number was XXXX. 

XXXX I called to Transunion and they could not locate my dispute letter that was delivered on XX/XX/2020. I spoke to several people and to try to get my inaccurate information removed. I also mentioned to them I can not get refunded for my certified mail due it showed delivered to Transunion. 

XXXX I called Transunion again because my inaccurate information is still showing on there credit report. I spoke to 3 people and was left on hold numerous of times. They refuse to remove the inaccurate information on my credit profile.

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 2020-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Statue of Limitation Expired as of XXXX XXXX Negative account removed from my credit. 
XXXX Portfolio Recovery Assoc starts a collection of {$2500.00} XXXX Prortfolio Recovery refused to provide original contract, all payment history of the XXXX  XXXX Account and 1099 of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I do not recall ever opening these accounts. My military service began in XXXX, so I was not attending college : XXXX XXXX XXXX opened on XX/XX/XXXX, last active on XX/XX/XXXX. {$45000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX, {$23000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX {$22000.00} These accounts are old, so I would like to have them removed from my credit report : XXXX XXXX XXXX/XXXX : Opened in XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX   XXXX/XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX/XXXX  XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX XXXX/XXXX : Opened on XX/XX/XXXX, last active 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 2019-05-30
Company: TOP FLITE FINANCIAL INC
State: GA
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:
Filled out XXXX XXXX form for mortgage referrals. Received dozens of calls and emails but narrowed it down to 2 cos and placed an opt out with XXXX XXXX on the XXXX to stop the flood of calls. The calls, texts and emails kept coming on the XXXX. One company that was very aggressive was Top Flite and this was not a company I had narrowed my selection too. I decided to speak to XXXX XXXX from XXXX ga from that company later that day to tell him to stop calling, texting and emailing me. I had not shared my social ssn or agreed for a credit pull from anyone, but my XXXX credit monitoring notified me that mortgage company had pulled my credit!!. I tracked it back to XXXX XXXX Top Flite, called him and told him I did not give him acknowledgement to pull credit!. He said he had spoken with his underwriter XXXX XXXX and told him the credit should not have been pulled because They did not have direct acknowledgement from me and that he was sorry.He then sent me the below text : Thanks for speaking with me XXXX. I contacted our credit agent and they will accept a letter from us on our letterhead with your info and how your credit was pulled without your authorization. His number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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 an 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 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 2023-01-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I was banking with navy federal credit union several years ago somebody actually got access to my checking account put multiple fraudulent checks and I wan na be resolved yet ugly because my raise the discriminating

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX, I sent a dispute letter to the Credit Berueas disputing a fraudulent account with XXXX XXXX   and fraudulent address XXXX XXXX XXXX XXXX, XXXX FL XXXX. 

I also sent a police report as documentation to support that the account was fraudulently created after my wallet was stolen. I requested documentation from the Credit Berueas that verifies the fraudulent account with XXXX XXXX  and fraudulent address XXXX XXXX XXXX XXXX, XXXX FL 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