BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a secured credit card with the same credit union I have my personal checking and savings account. I paid the {$800.00} deposit when I opened the card and unbeknownst to me, the funds were being held in a non-visible area of my savings account. My checking account was compromised back in XXXX XXXX  and the credit union opened new accounts for me. I was notified today that the {$800.00} security deposit was " mistakenly '' released into my savings account. Back in XXXX when I noticed the {$800.00} in my account, I contacted customer service XXXX times to confirm it was mine. Each time, I was told those were my funds. I just assumed I had an over-sight error on my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Had a personal loan with American Express. I paid off the loan on the companies ' web site on XXXX XXXX 2022, in the amount of {$3900.00}. 
American Express debited my checking account twice. They need to reimburse me for the incorrect double payment of {$3900.00} I have contacted American Express numerous times, including emailing the Corporate Office. At on point -- I think XXXX XXXX -- I was told a " paper check '' was in the mail and should get it in XXXX business day. Never happened. 
Several times, I was told -- including, today, XXXX XXXX -- that it was being escalated but the refund was pending. I am getting the run around from American Express! 
Case number is : XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2019, XXXX, XXXX, MD XXXX, XXXX ran a hard inquiry on my credit. I did not have knowledge or authorize the hard inquiry.

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 2018-05-20
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: Account information incorrect

Complaint:
Incorrect balance being reported by reporting agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Horrible experience when calling customer service to report my debit card lost I was sent a debit card that is not contactless tap pay technology when I called them to notify how come the debit card I received is not they act like they dont know what Im talking about and said contactless is not available so then it doesnt make sense how come my previous card was contactless and had the feature to tap pay when making a purchase and now when Im requesting a new one its not because I lost it and they tell me its not upon customer request this is horrible its 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 2022-12-08
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry for a company called Barclays on XX/XX/2022 that was not made by me. I have no idea who or what that company is.

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 2017-02-07
Company: Big Picture Loans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Called my child 's telephone and said they were the XXXX County Sheriff and wanted to issue a summons for me on bank XXXX, I also received this same message left on my phone. They then called my employer and left this message for my boss. I called the sheriffs department and they did not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Bread Financial Holdings, Inc.
State: NC
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:
I have a credit card with Comenity Caesars reward visa, I paid my monthly statement on XX/XX/22. on XX/XX/22 I noticed that XXXX was taken from my bank as a payment to said credit card. when I called, I was informed that a letter had been sent to me on XX/XX/22 ( 2days earlier ) ; and that I had agreed to pay XXXX, I have received no such letter or agreed to pay an amount that I do not have available at the bank, I had already made my monthly payment of XXXX on XX/XX/22 why would I make another payment the same month. they always say that the conversations are recorded, I have not been offered to listen to any conversation that I allegedly agreed to. I want this credit card company investigated ; I can not be the only one they have done this to especially around the XXXX. this is a total fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: CA
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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: IL
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The correspondence began on Thursday, XX/XX/2020 when a relative contacted me stating that a XXXX XXXX from " ERC '' called them on their personal number about a " personal matter '' for me. The relative disclosed that they were not me and that, that was the incorrect contact for me. XXXX XXXX left a call back number. 

When I received this phone call from my relative I was puzzled as to what " ERC '' even was. Upon a XXXX investigation I discovered that " ERC '' was a debt collection agency. The relative has received more calls since then. 

This contact information was never used in the past or currently for me. 

On this morning, Thursday, XX/XX/2020, I received notification from XXXX  that a {$300.00} collection from " Enhanced Recovery CO L '' was added to my file. I'm assuming this is the same " ERC '' that contacted my relative on their personal number. 

I've done further investigation and concluded that this debt was from an old collection with XXXX that was removed from all 3 bureaus in XXXX of XX/XX/XXXX. It has now returned, but under a different agency. 

I've attached the screenshot of how it appears on my report. On my report, there is a contact number listed, but upon calling the number it is disconnected. Another inaccuracy. I finally found a working contact number, called the company to try to gain insight on why they are now reporting this on my file and the representative was highly unprofessional and constantly asked for my Social Security Number,  which I did not feel comfortable providing. 

I am asking that this information be disputed and removed as I am in the process of buying a home and it is hindering my progress and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
We mailed our rent check to our landlord on XXXX XXXX XXXX. On XXXX XXXX, XXXX a different, unknown woman cashed our rent check at a XXXX XXXX XXXXXXXX, after she scratched out our landlord 's name and listed her own name in the payee line. We did not learn of this until the end of XXXX when our landlord told us he did n't receive payment. We looked up the check and say from the photo of the deposited check that someone has stolen our rent payment. The landlord then forced us to pay him immediately. We sent an affidavit to Chase describing all of this with the check photo on XXXX XXXX, after calling them. Since then they have learned it was a woman who cashed the check at a XXXX XXXX XXXX branch. They are refusing to refund our stolen money until 90 days from when we reported the loss. They are refusing to contact XXXX XXXX XXXX XXXXo in any way expedite XXXX XXXX XXXX XXXXs action to reimburse them. Still, as Chase customers, we should not be out this money. They should insure us from thieves. Otherwise, what is the point of a bank account. We would have been better off keeping cash in the mattress. We also filed this case as a XXXX crime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: Aqua Finance, Inc.
State: FL
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NY
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:
After receiving my credit report, I am not happy to see the below items they are is inaccurate and erroneous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I am receiving harrassing and abusive phone calls from a debt collector that is currently being paid through a law firm. They are also harassing a family member of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX stating the amount owed and correspondence from XXXX XXXX wherein XXXXXXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the 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 non-monetary relief
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: FL
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 am a XXXX XXXX rewards member and my personal information was involved in their data breach. Someone with a similar name used my social to get a car loan with XXXX XXXX XXXX. 
This account is fraudulent and I have contacted XXXX and supplied the necessary documents and they worked out a settlement over it and the balance was brought to {$0.00}. However the item and inquiry are still reporting on my credit in a negative manor. 
I also filed a report the FTC : XXXX. 
I have attached a copy of the ID Theft report and my social for verification.

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 2020-07-22
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I am unable to get a 'Release of Mortgage ' document from Chase Bank . The involved loan was for a building that we currently own. This loan was paid in full on XX/XX/2019. So far, Chase Bank has refused to provide this information to myself and has not filed the appropriate documentation with the local county Clerk and Comptroller. Numerous telephone calls and written requests to Chase Bank for this information have been unsuccessful. Here is some relevant information about this matter : The lender was Chase Bank My account number is XXXX and the loan number is XXXX. 
The location of building on the loan is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The final payment of {$52000.00} was calculated and provided by XXXX XXXX on XX/XX/2019 and was paid in full on XX/XX/2019. 

I would greatly appreciate your assistance in obtaining the 'Release of Mortgage ' verification from the former lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
When setting up a preferred payment method with PayPal, I've repeatedly set my credit card as the preferred payment method, but PayPal continues to debit a linked bank account instead of the specified credit card. This has caused me to overdraw my bank account twice. When researching this issue online, I've noticed that it is a widespread problem worthy of reporting to the CFPB. In trying to resolve the issue with PayPal, they have refused to address it and closed the case that I opened. 

Note : the attachment included is a screen shot of my preferred payment methods, showing that my credit card is selected. I had a transaction hit my checking account XXXX causing an overdraft when it should have hit my credit card. Also attached is the email I received when PayPal denied my case and refused to resolve my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: NJ
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:
I HAVE DISPUTED THESE INACCURATE ITEMS LISTED ON MY CONSUMER REPORT TO NO AVAIL, I HAVE ENCLOSED FACTUAL DATA IN REGARDS TO THE ERRORS AND INACCRAUCIES BEING FURNISHED ON MY CONSUMER REPORT.I AM THE ORIGINAL CREDITOR AND THE CONSUMER I DO NOT VALIDATE THIS DEBT PURSUTANT 15 USC 1692a ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I WAS CHARGED ON MY BANK OF AMERICA CARD FOR SOMETHING I DID NOT AUTHORIZE CARD # XXXX FROM A COMPANY CALLED XXXX  XXXX FOR {$4100.00} ON XX/XX/10 WHEN I SAW IT ON MY STATEMENT I CALLED THEM AND LET THEM KNOW I HAVE NO IDEA WHO THIS SAID COMPANY IS AND I NEVER AUTHORIZED THIS TRANSACTION AND NEVER DID BUSINESS WITH THIS COMPANY. THEY TOLD ME THEY FILED A FRAUD COMPLAINT AND I WOULD GET THE CREDIT ON MY NEW CARD. WELL THAT NEVER HAPPEN. IM SO UPSET THAT THEY DONT BACK THERE CLIENTS AGAINST FRAUD. THIS IS SENIOR CITIZEN ABUSE. ITS NOT RIGHT. PLEASE HELP ME GET MY MONEY BACK

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 2023-07-10
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When reviewing my credit card statement, I noticed I had only received 3x rewards on travel when my credit card benefits entitle me to 5x for travel booked through their website. When I spoke to a representative, she said 3x are the base reward points and I'd have to wait 1-2 statement cycles to receive the remaining rewards. This is the first I've heard of this since opening my credit card in XXXX. Additionally, I receive 2x points on all other travel, therefore the explanation of " 3x being the base points '' didn't make sense to me. When I asked the representative if this was explained anywhere on the website, she said yes, but failed to direct me to its location. I reviewed the terms and conditions of my credit card benefits to no avail. If what the representative said is true, then I will wait for the following statement cycle to receive the additional points ; however, this practice of crediting partial points is misleading and is not clearly described on the website. 

I'm waiting for additional credit on the following purchases : XX/XX/XXXX - {$780.00} XX/XX/XXXX - {$230.00} XX/XX/XXXX - {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
About XXXX I joined USAA and got their credit card, after reading about them getting fined for violating banking laws I requested that my account be closed and all personal information be removed from their system They cancelled my credit card in XX/XX/XXXX but did not close my account. I called around that time and requested my personal information be removed from their system. The agent I spoke to said that was not possible. 

In XXXX of XXXX I found online that my account was still open. On XXXX XXXX I requested in writing that my information be removed. 
Thinking the matter had been resolved I again found my account still open when I checked on line. 

XX/XX/XXXX I again wrote to USAA Federal Savings Bank asking for my personal information be removed and my account and membership be cancelled. 

Again this was not done. 
XXXX XXXX I called and spoke to a XXXX? went over my issues and requested that my information be removed and account and membership be closed out. 

He informed me that that can not be done per company policy. 

USAA Federal Savings Bank is holding my personal information in their electronic system which is subject to hacking ( XXXX  just recently XXXX. 

This exposes me to Identity theft and major legal problems. 

I don't see how this can be legal activity by a bank or anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation