BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am asking PayPal to close my account, they refuse to do so and are holding my funds and not allowing me access to them. on XX/XX/2019 they said they " can not close an account with a balance '' And keep trying to get me to use paid services in order to access my funds. I want my account closed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX, XXXX, Experian XXXX XXXX balance XXXX is not my account but on my credit ( XXXX, XXXX, Experian will not remove and XXXX will not answer my calls ) XXXX  XXXX  XXXX reported on XXXX  not my account XXXX XXXX XXXX  {$990.00} Reported on XXXX, XXXX, Experian not my account and was not removed XXXX  XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance on XXXX  & Experian and was not removed XXXX  collection account doesnt belong to me and was not removed. 
Indiana XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Last reported XX/XX/XXXX {$510.00} Reported balance on XXXX  and Experian not my account Experian collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX closed account reporting on my Experian report that will not be removed it doesnt belong to me ( XXXX  XXXX  inquires that are not mine contacted XXXX  and creditor to remove but no help XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  - XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  inquires not from me. I have reported by XXXX  has not removed XXXX XXXX from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX/XXXX  XXXX  XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  Experian inquires that do not belong to me XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX On XX/XX/XXXX I placed an Internet order for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then placed an order for XXXX XXXX  lenses prescribed by my eye doctor at XXXX XXXX. My eye doctors clinic did not have the frames I liked so I placed my order with XXXX XXXX   XXXX  online. I sent a copy of my prescription as requested by XXXXXXXX XXXX XXXX and they processed my order. 

The frames were charged on my card for {$100.00} separately on XX/XX/XXXX. I was then charged 2 split charges for the lenses On XX/XX/XXXX {$94.00} and on XX/XX/XXXX {$94.00}. The glasses were shipped XX/XX/XXXX and received on XX/XX/XXXX. When I unpackaged the glasses and put them on they were blurry when I looked in the distance but the reading part was ok. When I dipped my head down I could see in the distance. I contacted XXXX XXXX XXXX and spoke to XXXX and he instructed me to wear the glasses for 1-2 weeks to get used to the prescription. My eye Doctor gave me the same instructions. After 1 weeks I could not handle the dizziness or headaches. I was in my local XXXX on XX/XX/XXXX and they were kind enough to place the glasses in their machine which measures the progression of the lenses. The technician stated these were the worst lenses they had ever seen. XXXX and I at XXXX called XXXX XXXX XXXX and spoke with XXXX explaining the situation. He stated return the glasses unworn for a full inspection and they would issue a refund. XXXX and I both stated that is impossible the glasses have been worn since XXXX directed me to wear them for 1-2 weeks in order to get used to the progressive prescription. I then had XXXX make me a new set of lenses since we realized they were not going to help me so I was charged {$180.00} at XXXX to order new lenses. 

I then went round and round on the phone and many emails on XX/XX/XXXX & XXXX, XXXX which I have attached all receipts, delivery confirmation, prescription, and the new receipt from XXXX with pictures of how bad the lenses were. XXXX XXXX XXXX never went over a return policy with me and it was apparent they would take them back but then I would no longer have my frames and lenses and have been charged {$290.00}. They had already screwed up the lenses so bad I was not willing to lose my money and glasses to these crooks. I told them I would send the lenses back so they could inspect them and they said no so I contacted Bank of America for assistance.

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
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and Trans Union and XXXX have removed it but XXXX is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX Miscellaneous Finance XX/XX/2019 XXXX  XXXX XXXX   XXXX Finance/Personal XX/XX/2019 TransUnion XXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XX/XX/2019 TransUnion AN # XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX Finance/Personal XX/XX/2019 TransUnion XXXX OF XXXX XXXX XX/XX/2019 TransUnion

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 2018-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a federal check and couldn't access my funds for 11 days. They told me that my check was deposited two times when I called the XXXX #, witch made me confused, stress out, at that time I had was buying a Automobile was to give them my down payment. When my bank Chase held my check They almost Void the purchase of the Automobile I gave them my friend blank check to hold. Where I paid an insufishent fund 's because it bounces. I call Chase Corporate office, they still told me I had to still wait. I got frustrated raise a big fuss. The finally I got access to my funds, not in proscribed time of witch it should have been cleared. This took place the month of XX/XX/2017. Caused me a lot of XXXX and stress. I told them I will submit a law suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX charged my Visa Chase card {$1100.00}. On XX/XX/2018 for a reservation l did not make. Visa refunded the amount in XX/XX/2018 and recharged my account in XX/XX/2018 for {$1100.00}. I have called XXXX, the hotel involved in XXXX, FLA and the XXXX XXXX XXXX to verify where l was. I sent reservation papers to Visa, because l was in XXXX at that time. But had nothing to do with XX/XX/XXXX. My reservation 's were made by XXXX and paid by them for XX/XX/2018. 
I can not make online purchases using my Visa, Mastercard or XXXX. IAMXX/XX/XXXX and must shop on line. 
PLEASE HELP ME CLEAN THIS UP. 
When l try to order l get a message that my card has been blacklisted???????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and XXXX XXXX and Experian have removed it but XXXX is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019 Experian XXXX XXXX XXXX XXXXl XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX XXXX XX/XX/2019 XXXX AN # XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 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 2018-02-01
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had two loan accounts with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX P.A. One Loan for $XXXX and the other for $XXXX. Interest rates each loan is 5.875%.6 years later my balances are $XXXX and $XXXX. Total interest paid $XXXX and total principle paid $XXXX.I have paid more in interest than my principal balance. If you do the math that's a 57.55% interest rate not 5.875%. Over the course of their entire repayment plan that they suck you into you pay back $XXXX  just in interest!!!! Out of a loan that was for $XXXX, how is that even legal? This is fraud. It is not 5.875% interest rates. They wont let you make any additional payments, they wont let you change it to the way you want. It is designed for one thing, to make the COMPANY rich of interest that they falsely prey on you.If the interest was actually 5.875% then over the course of repayment it would be $XXXX  and make the total repayment at $XXXX.Please, this company is preying on college students and committing illegal acts on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
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:
Around XX/XX/XXXX I notified XXXX XXXX of my divorce to XXXX XXXX XXXX and sent them a copy of my divorce decree and special warranty deed. Both documents show I am no longer responsible for any part of the mortgage of the property located at XXXX XXXX XXXX XXXX, Texas XXXX. XX/XX/XXXX I received a release of liability statement from the Department XXXX XXXX XXXX and faxed that as well. I also faxed all above mentioned documents to all three credit bureaus. The mortgage was removed from all three bureaus around that time. Sometime in XXXX the XXXX XXXXe reappeared on my equifax credit report. I found this error only last week unfortunately. I contacted equifax and filed a dispute. Equifax responded with XXXX said it was a factual debt. I have fought with XXXX over this mortgage and all the 60-90 day lates and I am tired of dealing with something that feels unwinnable. At this time this is the only thing hurting my credit my FICO score would not be in the low 700 's because of a XXXX Equifax credit score because of fraudulent reporting. This is no longer a mistake it's fraud when it is taken of then put back on and the reporting company has the information knowing it shouldn't be there!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2018 i purchased one XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. complete run and broken in delivered plus shipping cost for {$3300.00}. Part of the payment was a check for {$1600.00} charger to my credit card from Chase made to XXXX XXXX XXXX. The merchant failed to delivere my product that i paid for. on XX/XX/XXXXi called my credit card company and asked for a dispute form so that Chase could dispute my claim with XXXX XXXX XXXX for the purchase i had made with them on XX/XX/2018. i got a dispute form and send send the form i got a response from chase saying that the sale was legal. after writing to the corperate chase excevites told me that they could not dispute my claim on my chase credit card purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello on XXXX XX/XX/21 I had a closing balance of XXXX A payment was made of {$150.00} late. I emailed Lane Bryant community on XX/XX/21 requesting all late fees be removed as a one time courtesy. And email response was received on XX/XX/21 from a Sincerely, XXXX LateFeesWaiver internet customer care that all fees would be removed as a one time courtesy. However I received a statement for XX/XX/21 stating I now have a balance of {$32.00} regarding a late fee and finance charges of {$2.00} finance charges. 
A call was maid XX/XX/21 Per XXXX the supervisor I only qualified for one late fee reversal in a calendar year. And would not be adjusting the charges. 
I was charged a late fee in XXXX erroneously. The account balance was paid in full XX/XX/21. 
Please help resolve this fraudulent matter. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX is not showing my AU card see attachments

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 2019-10-11
Company: BANCO POPULAR DE PUERTO RICO
State: MA
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 am working with the third part debt consolidation in regards to several credit cards. Popular Bank is cashing the checks from XXXX, but, continues to reject their proposals for lower interest and payment. Popular Bank has requested various materials from XXXX, which were provided, but continues to come up with reasons to not work with them. Popular Bank has refused my requests to work with them regarding my hardship, they advised that they will not work with me unless I am several months behind in payments. They are giving the runaround to the debt consolidation company, as well as to myself. They refuse to help the consumer during hardship.

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 2020-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Is with capital one., I only have 1 card & some one I don't know., because is not me take mother card with my credit, account and my information., I only have 1 capital one credit card., no 2., cards in the experience appears 2 card with capital one credit card., went I have only one capital one credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: Ability Recovery Services, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
At the end of XX/XX/2019, I received a letter in the mail from Ability Recovery Service attempting to collect a debt, from XXXX XXXX   for {$4300.00}, that does not belong to me. I never attended this school. This makes the second time that they have tried to collect on fraudulent debt. I sent them a police report a few months ago stating that my identity was stolen and they are now trying again but on a different account. Their letter clearly states that I have 30 days after receiving the letter to dispute the debt in writing. Their letter was dated for XX/XX/2019 and I received it a few days afterwards, however they went ahead and placed the item on my credit report before the 30 days are up. Today is XX/XX/XXXX and it was placed on my credit between XX/XX/2019 and XX/XX/2019. That is not 30 days. I did dispute the letter in writing that will arrive to them on tomorrow XX/XX/2019 ( delivery confirmation included ). I also left a message with XXXX XXXX at XXXX. I have not heard back from her. I called again on today XX/XX/2019 at XXXX cst and spoke with a representative that would not provide his name. Placing this item on my credit before receiving my dispute and before the 30 day deadline is very unprofessional and underhanded. Add this to them collecting on a fraudulent account is a recipe for disaster for any consumer. I am in the middle of buying a home and this wrongful action by XXXX XXXX XXXX, XXXX has dropped my scores drastically.

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 2019-09-16
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My spouse and I opened a joint Citi Checking and Savings account on XX/XX/XXXX, and the terms represented that there was a {$400.00} sign on bonus once we fulfilled the requirement of maintaining a balance of {$15000.00} for 90 days. 

We met this requirement by maintaining balances well above the required and called their customer support line to get confirmation. They confirmed we had met all requirements and had to wait for up to 90 days before getting credited. 

After waiting more that 30 days, I received a notification from them that I was being denied the bonus because I didn't qualify. 

I have been skeptical about this bank after reading multiple reviews of people getting fraudulently denied bonuses. They are reputed for deceptive and misleading advertisement and extremely poor customer service. 

Furthermore, they perpetrated similar deception to me 4 years ago and I unfortunately didn't report it then. Their actions is in clear violation of the FTC 's rule against unfair practices by businesses.

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