BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I called JP Morgan Chase on XX/XX/2017 asking to look into some weird spending activity at an ATM. The amount of {$82.00} was withdrawn 4 times, on a day I know I did not go to an ATM, and I would never withdraw the same amount 4 times. After looking into it with an agent, spending a long time on the phone, and probably recorded, she reported that that Non Chase ATM was in a location I could not have been at. So I began to look into other Non Chase ATM withdrawals I could not see the location of and discovered, while on the phone with her, that I had a total of over {$1100.00} fraudulent Non Chase ATM withdrawals. A clone card was made and somehow they were making withdrawals ( boggles my mind ). There were XXXX in total, ranging from XX/XX/2017 to XX/XX/2017 I reported the claim the very next day, or maybe even same day on XX/XX/2017, with a form I have a copy of. I was forwarded the amount taken fraudulently out of my account. Then on XX/XX/2017 I was sent notice from Chase, saying that my claims were not valid and the money was taken back out of my account. I called the claims line and was told, not because the claim and fraud was n't true, but because I had checked my account at a time earlier and had not reported the fraud ( that I did not see ) tat I was at fault. I had not reported it because I did not know it was fraudulent because the description only says " Non Chase ATM withdrawal ''. I make a lot of Non Chase ATM withdrawals, and may have only been checking for a particular transaction, not noticing the fraud. I actually only realized and became aware of the fraud on the phone with the agent, and if the call was taped there is proof of that, on the call. After I found out one withdrawal was at one location, I had her check another and another. Remember this is only a matter of 7 days from beginning activity to reporting it. When I called I was told that I could not appeal and that Chase could not be responsible because I had checked my account. I told them I did not realize there had been fraudulent activity till I called in. I have been told this a violation of Reg E ( 1005.6 ), the Electronic Funds Transfer Act, which limits liability to consumer if you report it within 2 days of **learning of the fraud**. In other words, not since it happened. As I said the " Learning '' happened while I was on the phone to them, and it is on tape. Quite obviously the fraud is true, the money was taken out of my account, and I did not know about it till I was on the phone to Chase. Why am I being penalized? Is there anything you can do to help, or anyone I can talk to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent {$60.00} on XX/XX/2022 via " Cash App '' to a restaurant owner with the handle " XXXX '' for payment for food. After I made the transaction, I was told by the restaurant owner that she doesn't have access to the cash app account to refund me the money. I tried reaching out to Cash app around that time to explain that I needed a refund on a transaction due to the vendor declining access to her cash app account. Cash app told me that they were unable to issue refunds once the transaction was completed and told me that the restaurant owner would need to contact them and state the issue. I spoke with XXXX XXXX directly and she never corrected the issue. I also brought this to cash app 's attention in XXXX of this year, still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Good afternoon CFPB, This is complaint is regarding Old Navy. Old Navy initiated the process of providing me with a new card. However, they failed to advise me that new card would come with a totally different Annual Percentage Rate ( APR ). My APR on my statements looks like the following : CURRENT APR 25.99 % BEFORE XX/XX/XXXX 24.99 % When I spoke to the Representative XXXX on XX/XX/XXXX, she immediately disconnected the phone when I mentioned a lawsuit. I advised her that I was not made aware of a separate APR just for being issued a new card. 

Any help would be greatly appreciated! 
XXXX XXXX XXXX cc : XXXX XXXX, XXXX XXXX XXXX XXXX, FTC

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 2022-04-12
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
There is wrong information on the consumer reports from early warning that they will not tell me which is causing me issues opening up a bank account with XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
on XX/XX/XXXX i wrote an email to Capital One, asking for late payment forgiveness during a very bad stage in my life. i had a secured credit card but in XXXX, XXXX i suffered through XXXX  XXXX, i XXXX XXXX XXXX  due to XXXX XXXX, and i became XXXX because of XXXX   XXXX, to the point where my children and i XXXX XXXX XXXX, XXXX, XXXX XXXX even XXXX XXXX XXXX. i spoke w a XXXX  he said they didnt need any info to verify, they believed my situation but for me he was a little insensitive he asked me for more information about my XXXX, i got a little shaken up because i honestly didnt want to go down that road but i answered hoping they would remove the lates fee and if not all at least the ones from XXXX. Even going over such information i was still denied, he said he looked through the policy and it wasnt something they could do. My account is now current but closed. however, i was approved for a unsecured credit card by them with a {$300.00} limit, a few days after i was denied. i am working on my credit, i am now stable and would like for the late payments to be removed, if i have been approved for a new card, why could they not take the late fees off the old. i need help with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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: Reporting company used your report improperly

Complaint:
After reviewing my credit report I've noticed that XXXX, XXXX and Equifax are reporting inaccurate information that is damaging my credit score. the following hard inquires on my credit report are inaccurate reporting XXXX  XXXX inquiry date XXXX, XXXX XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX and XXXX inquiry date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX  2017 - 30/60 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-08-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Citizens One Bank on XX/XX/19 after receiving a letter stating I could refinance my student loans at a fixed rate of 3.45 %. In the past I had refinanced my wife 's student loan with Citizens One and wanted a better rate. I gave all of my information to the representative I spoke with ( both my wife and myself have little debt and high credit scores ). I was told the best rate I could get is 5.99 % on a 5 year term. I disconnected the call, but decided to call them pack and pursue a CFPB complaint for a " bait and switch '' scenario. With my financial information I provided there wasn't any reason why I should NOT qualify for their best advertised rate. I spoke with XXXX XXXX and began the conversation informing him that I needed some information for the CFPB complaint. He was very helpful and asked if he could help. We walked through the same numbers over the phone and I was suddenly able to get the fixed 3.45 % rate. XXXX was so helpful, that I decided to request to pull in the remaining balance from my student loan and consolidate it. XXXX set everything up and the loan was approved. I informed XXXX that both student loans were on auto-pay and they were getting paid in a couple of days. Upon reviewing the Loan Approval Letter, everything looked fine except for " Optional Service Charges '' may apply. Nobody at Citizens One can tell me what that means, and they've refused to remove it from the contract. I spoke with XXXX XXXX who was one of the representatives ( after escalation ) that couldn't answer me what " Optional Service Charges '' might apply to my account. Additionally, the loan amount is now going to overcharge both student loans - and I've been informed that overpayments get applied directly back to the outstanding new loan balance ( at date of disbursement and no monetary loss to me ). However, when I questioned why on paper do they have to show me borrowing more money than I'm asking for - they informed me it is because their application policy permits up to 60 days for people to accept their offer and must account for accrued interest in that timeframe. I suggested that the only loan outside of their control ( my XXXX loan ) has a 10 day early payoff amount that will not fluctuate, and a logical solution to this ( in an effort to report ACCURATE information to credit bureaus ) would be to provide me with a revised contract showing the ACTUAL payoff amount - and limit their contractual offer to 10 days. This would leave adequate time for their rescind window and payoff. This option was presented and the company is looking into it, however it appears doubtful the company will move forward with an offer of the ACTUAL amount to pay off/refinance both loans. I read this complaint on a recorded line on XX/XX/19 to XXXX for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
XX/XX/2023 I noticed that Equifax is reporting a inaccurate credit utilization from my XXXX XXXX and XXXX credit cards. Reinvestigate the credit utilization on both credit cards. Both credit reports are dated at the bottom the screen shots as proof of the day screen shot was taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe are inaccurate and violate several laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

The following items are being disputed : 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 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Firstly, I dispute the accuracy of the information regarding the collection accounts for 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  These accounts have been reported as collections, but I have no record of ever receiving any communication regarding these debts. I request proof of the debts and the attempts made to contact me regarding them. 

Secondly, the charge-off accounts for 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  have been reported inaccurately. These accounts were either settled or paid in full, and I request that the information on my credit report be updated to reflect this. 

Lastly, I dispute the collection account for XXXX XXXX XXXX XXXX XXXX. I have no record of ever having an account with this institution and I request proof of the debt and the attempts made to contact me regarding it. 

I request that you investigate these items and remove any inaccurate or incomplete information from my credit report. Please provide me with a written response detailing the results of your investigation and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, 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 2018-09-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email from moneygramheadoffice, ift was emailed to me today XX/XX/XXXX @ XXXX. Since I was a former XXXX XXXX agent and was trained to look out for these types of scams, I did not send any money or replied to the scammer. However, I wish to inform everyone to either look out for these scams and to be able to get the scammer caught and tried for their actions. Here is the email that was sent to me, I hope this is helpful. 

Dear valued customer, We have sent the XXXX out of your total compensation sum of {$2.00} XXXX USD from money gram head office in USA. All we need from you now is just list information such as your 1, Your Name -- -- -- -- 2, Your Country -- -- -- -- 3, Your Phone Number -- -- -- 4, Your occupation -- -- -- -- 5, your home address -- -- - Here is the reference number of your first payment, Sender First Name : ... ... .XXXX Sender Second Name ; ..XXXX Reference : XXXX ... ... ... ... # XXXX Amount Sent : ... ... ... .. {$5000.00} You can verify the reference number in any money gram office near you or by tracking it on our website with this link, ( XXXX XXXX XXXX XXXX ). Just fill the reference number but you can't pick it up What you are requested now is AUTHORIZATION RELEASE PERMIT, which is going to cost you $ XXXXUSD ( only ) please be aware that this is the only charges/fees, as soon as this is done, your funds will be release to you in less than 45 Mins through money Gram The status now shows Available for pick up by receiver because this amount has been on the system for security reasons, since I did not get any reply message from you after sending you several notices with the transaction details to enable you pick up your Reference number Now, you are strongly advised for the last time to go on today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My sister may have put me down as a family member reference on an account she had opened. She is doing the XXXX XXXX program to pay off all debts. The agencies have been hounding my cellphone number daily as she already had given the XXXX XXXX phone number to the company for any contact. I am an XXXX for the XXXX XXXX XXXX XXXX and have to use my cellphone for my job. These daily harrassment calls have nothing to do with me. They won't stop. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015 I applied for the XXXX XXXX XXXX card issues by BBVA Compass online. Within 2 hours of applying I received a phone call from BBVA compass to verify I did indeed apply for the credit card and answered verification questions about my identity. On XXXX XXXX, 2015 I received an email that I was approved for the credit card. I received the credit card on XXXX XXXX, 2015 and activated it without issue and used it a few times over that weekend of XXXX XXXX and XXXX. I tried to use it on XXXX XXXX and it was declined. The next day I phoned customer service and was told the card was suspended and was given XXXX different answers. I phoned later that week and wasted XXXX hours being on hold to only find out the information I was given by customer service was useless. Finally the XXXX week of XXXX 2015 I phoned in to discover the card was closed and received a letter on XXXX XXXX, 2015 that the card was closed per a request by me about fraudulent activity along with a declaration of fraudulent activity. Not once have I phoned BBVA compass about any fraudulent activity and never asked that the card be closed or my charges reversed. I in fact have paid for the all charges that were made to the card. I phoned customer service late last night and was given the number to their fraud department I phoned fraud last night was on hold for over 60 minutes before I was either hung up on or disconnected. I phoned again this morning and did speak to someone in fraud and was told she would phone me back and up till now I have not received any call back with a reason about the fraud request. I have phoned customer service and never once was given a straight answer as to why the card was suspended or even closed. I was simply told I would receive a letter which I finally have. However the letter does not even ask if I opened the card or indeed made the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation