BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
To Whom It May Concern, I have over 25 years relationship with Chase. Two PAID Mortgages, credit cards, checking and Savings account. 

Im a full time XXXX XXXX and also have a XXXX XXXX with my son. Due to Covid- 19 XXXX XXXX has been impacted financially and Ive been using my personal money to keep the XXXX  above water. Ive reached out to Chase and requested assistance with 2 of my credit cards. Chase did assist me with the temporary suspension of payments. 

Both of my cards were maxed out and Ive recently paid both down. Chase reduced my credit limit from xxx to. Which now shows Im maxed out ( Highly utilization ) this dropped my credit score tremendously. I called and spoke to Card Services on XX/XX/20 and explain the matter. I was advised they will have to pull my credit to see if I will qualify for credit increase. I applied for a Mortgage with CHASE and was denied mainly due to my score not meeting XXXX FICO  score requirement. I also applied with another bank for a Mortgage and my credit score was much higher than what it is now. This is all caused by the high utilization on my two credit cards, due to the limits being reduced. 
Here is my issue, I had one credit card for years. Ive recently within the year used the credit cards and maxed them out. Im being penalized for the pandemic and I would like my credit limits to go back to where it was. Chase certainly can block me from using the cards. This way, my credit score will increase ( per credit stimulator calculator ) and I can reapply for the Mortgage. Im willing to pay down the balance more. However, Chase may reduce my limit again. I feel my hands are tied and the Bank that I have my entire financial relationship with has treated me unfairly. Im looking to get this matter rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Synovus Bank
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:
I submitted a payment through the " Bill Pay '' service provided by my credit union on XX/XX/XXXX. The payment is shown as received by my credit card company, First Progress, on XX/XX/XXXX. As of today, XX/XX/XXXX, however, the payment has not been applied to my credit line. 

I called First Progress on XX/XX/XXXX to inquire and was told that they received the payment on XX/XX/XXXX and it takes 48 hours to post. When I pointed out that it had been 5 days since the payment was received but had not been applied to my available balnce, the agent spoke with her supervisor. After speaking with her supervisor, I was told that it should have posted to my available credit on XX/XX/XXXX and that I should call back Monday XX/XX/XXXX if it did not post by that time. 

When I called back today, the agent told me that the money is now on a 10 day hold but could not explain why it is on a 10 day hold rather than the 48 hours that is usual. She also could not explain why the agent I spoke with on Saturday did not tell me of the 10 day hold nor why that agent 's supervisor did not advise her or me of the 10 day hold. 

After speaking with a supervisor, I was told that because it was a check that the bank could cancel it and not honor the funds. I advised her that it was not a check but rather a transfer from by bank, which is the only payment method they accept unless I pay an additional fee to make a payment over the phone. She said it's on a 10 day hold and there's nothing I could do about it and then quoted me the section number in the cardholder agreement that said they could hold funds for 10 days. 

She could not explain why neither the agent I spoke with on XX/XX/XXXX nor that agent 's supervisor saw this or informed me of it. At that time I requested that my account be closed and all of my deposit returned. She said this will take

10 weeks to process. I asked about having it expedited, as the website mentions it can be. She informed me that it would take 2 to 3 weeks once they receive my fax. I asked why she was quoting 2 to 3 wee
ks when the website states that it is 7 business days, and she said that was allowing 10 days for mailing time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have received two unsolicited debit MasterCards from Netspend. I have called the company several times using the only phone number they provide but have been unable to speak with a person. The only options are to give the credit card number or my social security number. I am concerned that they will activate the account if I give them the credit card number and I am not willing to give my social security number. 

I spoke to someone at IdentityTheft.gov and they directed me to file a complain but I do not believe this is identity theft. It feels like a scam by Netspend because of their way they make it impossible to speak directly with a human being.

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 2020-05-14
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was the victim of a fraudulent charge incurred through PayPal on a purchase from XXXX. An individual obtained my PayPal information and placed two orders through XXXX. I reported the fraud immediately, and PayPal allowed the transactions to go through. They paid for the merchandise, have since acknowledged on several phone calls that the transactions were fraudulent, and have required me to contact my banking institution to issue me a credit so I may pay PayPal for their error. I have since obtained the credit for the amount in question and was ready to pay PayPal, however suddenly my balance owed to them jumped by over 100.00 with no explanation and I can not reach anyone on the phone to resolve the issue due to the covid pandemic. PayPal has an outgoing message when you contact their customer service line that states their office is closed due to covid with no information on when it will be open. I have no recourse at this point to talk to anyone about remediation of the previous charge that I was prepared to pay, or the current additional charge that is now present on my account that is now there with 0 explanation. As a result, I am unable to remove any of my payment methods currently on file with them, and if my account is infiltrated again I am now unable to have my financial information protected. PayPal has not only held me accountable for purchases that I have not made which they have already acknowledged, but they also are negligent both protecting my finances as well as allowing me to protect myself. This is truly unacceptable. They are now saying I owe them more than 250.00.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: OH
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 was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$420.00} XXXX  XXXX {$6300.00} XXXX XXXX XXXX {$550.00} XXXX, XXXX {$600.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$270.00} XXXX, XXXX {$66.00} XXXX, XXXX {$110.00} XXXX, XXXX {$94.00} XXXX, XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$1300.00}

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 2020-02-10
Company: Mercedes Benz Financial Services
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Mercedes Benz Financial continues to make harassing phone calls to myself and my wife at home, mobile phones and now at our places of employment. They continue to tell us that we owe a " lease termination fee '' when this payment has been made already. MBF has enlisted a debt collection agency who now is also making calls to us. Again, the fee has been paid in full. 

What is MOST alarming and angering, is that MBF has now called us on our direct telephone lines at our places of employment. This personal contact information was NOT given to MBF at any time and their data trolling to retrieve this contact information is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: DC
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:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX  ' MY NAME AND PREVIOUS ADDRESSES HAVE ERRORS, WRONG PREVIOUS ADDRESSES NOT FACTUAL

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 2020-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Removing Freeze from Experian way to problematic. The phone system is circular. who is writing letters when you can fix somewth9ng over phone or digital. The security questions do not take into consideration mortgages are sold so it is very possible one will not know the new mortgage company name. a live person option should be mandatory. 

The consumer needs better choices.

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 2020-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I had a card with Bank of America, which they gave me in XX/XX/2020, saying my earlier card was void. After a month, I was defrauded for {$3100.00} + Fees. I was told I had done transactions and also transferred money. I made absolutely no transactions, nor did I did any transaction to transfer money in that account in that time. I also got no updates on my mobile. 
I have dealt with those companies before and they went under the belly after the pandemic. They had my card saved, and seems they just went for it. 
I filed a claim with BOA. They rejected it 3 times. I begged for receipts of transaction from these merchants. 
I was told " WE CAN NOT GIVE YOU THAT ''. I was not even given a reference number for the transactions. I have attached my entire statement for your view. 

Regards, XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX-XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
A debt collection company, XXXX XXXX XXXX failed to validate information that they have placed on my credit report in XXXX of XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent XXXX XXXX XXXX a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with XXXX XXXX XXXX to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from XXXX XXXX XXXX, but they continue to increase the amount owed on my credit report monthly. 

My rights are being violated. I am a single mother of XXXX and a XXXX student. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.

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 2020-11-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
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, 2019, BMO HARRIS BK N.A. add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-30
Company: M&T BANK CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a earth quake loan that m & t bought .I have been paying the amount per month required. all of a sudden they they tell me the loan has matured and they want all of the balance. on XXXX i was sent back a XXXX payment the letter said the payment could not make account current.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft

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 2018-03-03
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017 I made a payment of {$330.00}. Around XX/XX/2017, my XXXX XXXX at the time ending in XXXX XXXX was taken from my driveway. 
I was never notified PRIOR to XX/XX/XXXX or XX/XX/XXXX for that matter that my car was set to be repossession involuntarily as I would of never made the XX/XX/XXXX payment as low as I did. Or I at least would of made other arrangements with Santander. I had even spoke to an agent about a month prior to make sure I was making the correct future payments in order to get my account back in order. It wasnt until the tow truck was in my driveway trying to take my car that I realized my car was being repossessed. It was also at that time that I had to called Santander to confirm said repossession. Might I add that the tow truck stated that Santander was known for doing illegal repossessions. Nonetheless, my main issue is that Santander may have repossessed my car illegally and may also have violated one or more laws. Upon researching Florida Statues regarding repossession, Santander was and still is in direct violation of Florida Statue 537.012 section 3 which states that At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. I was never notified of any details regarding said sale nor was I notified of a final amount owed. I also was never given a chance to make reparations prior to the sale, whenever it occurred, which is also part of Florida Statue 537.012 section 3. I just so happened to check my credit report on XXXX XXXX in XXXX to find a repossession listed on my account which then changed to a charge-off in XXXX with a new amount owed which was news to me. I honestly believe Santander had already scheduled a repossession prior to XX/XX/2017 but instead decided not to notify me of that and allowed me to make a payment as if I was simply paying my regular car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had Discover Card since XXXX and have an outrageous rate of 18.99 % on purchases from XX/XX/XXXX and prior. When I called to ask why it is so high I was told ( on XX/XX/XXXX ) that I had a late fee on XX/XX/XXXX which increased the rate to 23.99 %. At some point they did reduce the rate to 18.99 % but will not reduce it further because I " signed that I knew the policy. '' Can Discover Card continue to penalize me after 10 years? They don't care why I was late or that I have paid on time regularly for years. Is there anything I can do? I'm trying to retire and can only do it if I can pay my bills down. 

Thanks for any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A fraudulent credit account with SAMs Club was taken out in my name. As of XX/XX/XXXX, it is in collections ( see attached ). I did have a SAMs Club credit account, but this was closed in XXXX ( see attached ).

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 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Bank of America had provided me with a car loan that was linked to my ex-boyfriends ' bank account. Every time I tried to make a payment. It was near impossible because they require that I provide them with my ex-boyfriends credentials and due to me not having this information the system and operators kept rerouting my calls ; " the run around ''. After a few calls there were times that I had to wait for days for a call back from the company so they could accept a payment. At times I made double payments just to avoid the hassle of having to commit so much energy and time to keep my account updated. In between the months of XX/XX/XXXX and XX/XX/XXXX I reached out to the company to make a payment and the operator stated she will have someone call me back to be able to process the payment because once again I did not provide them with my ex-boyfriends personal information. Finally, when the company called me back it was their collection department that demanded a payment and that " they did not care where the payment was coming from as long as they get a payment ''. I explained my situation to the operator and agreed to make a payment, but their system had reported inaccurate information on my credit report " delinquent ''. the operator said " that no one, has the authorization to correct this error ''. but she will noted on the account for someone to call me back. when I received several call backs from the company, everyone stated the same argument. " that there is nothing they could do '' I currently have some of the recorded phone calls with the various operators harassing me instead of trying to find away to fix the problem. due to their negligence of recording accurate information on my car loan in a timely manner, placed me under the category of delinquency because of this interpretation I was denied credit which accompanied an economical depression and tremendous emotional damage a violation in ones investments aspirations. Even though there is an insufficient compensation amount set for emotional damage referred to as " pain and suffering '' therefor I am in the pursuit to restore some of the damage in regards to the restoration from defamation of character on my credit report which caused a financial set-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