BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My bank account was emptied by a person who pretend to be my web security technician, when I signed up for a web security contract with a legitimate web servicing company called XXXX XXXX XXXX This perpetrator called said he's from XXXXXXXX XXXX XXXX company and has the same accent as the other persons in the company. Their telephone number is : XXXX. I had screen share with this perpetrator with my computer. When I found out my bank has been emptied, I contacted Chase and they said that they can not reimbursed my account because it was not their fault that my account was hacked. I have been a customer of Chase for more than twenty years. I was not treated well with this incident. They have insurance but they refused to help me. Please help me. {$43000.00} is a very large amount for me. That's practically all I have. I wanted to use this money to paid my one year back rent. Now I have to borrow money from my family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a reliacard for unemployment and had money taken without my knowledge I called reliacard and reported the theft and they started an investigation. They gave a time line of 9 months and I waited. That was around XXXXAbout a month later I get a letter of no wrong doing and immediately call and request the transcripts of the investigation and copies of my charges and debits as mine were deleted from my app when I got my new card. What came was a letter saying no wrong doing and my charges and that were missing. Immediately called asked for the transcripts and received the same two more times. I have yet to receive the transcripts to this day. I hope you can get them because I don't think they did anything as it's pretty clear these charges are out of character looking at my spending habits. The charges are first XX/XX/XXXX at XXXX XXXX to XXXX XXXX, next is XXXX at XXXX for XXXX along with another at XXXX the same day at XXXX for XXXX, fourth is XXXX XXXX on XX/XX/XXXX at XXXX to XXXX. Any help you can provide will be greatly appreciated. Thanks and look forward to your response.

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 2020-08-28
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
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:
My credit limit was arbitrarily decreasing by {$650.00} causing credit score.to.tank. my credit score is still around XXXX according to their very own website. They said it was from what I understand to be unsolicited information from credit bureaus. I have been customer 5 or 6.years and have never missed a payment or been late with a payment and was making decent headway into debt despite covid 19. This decrease will start a snowball effect and negatively affect other cards. I am not in danger of defaulting and feel this was malicious and possibly racially motivated due to current racial tensions of country.

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 2020-05-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased two money orders in XXXX from TD Bank for rent.Landlord inform me after 7 month that they did not got the rent for XXXX, then I went to the Bank to investigate .we found that Both money orders were already paid to a person name : XXXX  XXXX XXXX , who was not the original payee for the money orders. the payee was for XXXX XXXX XXXX XXXX. and they never received the money orders.Since then so many times I asked the Bank Associate about these, their answer is still investigation. Please help me out of this as soon as possible. 
Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: OK
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:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX, continues to report inaccurate repossession information on my Equifax Credit file. The FCRA prohibits companies from providing wrong information, when they know or have reason to believe the information is inaccurate. XXXX XXXX XXXX has been ignoring my disputes. The vehicle ( XXXX XXXX  XXXX ) was repoed XX/2013 in ( XXXX XXXX Florida ) but my credit file states I 'm over 180 days past due as of today. It also states I made 45 late payments which is false. After numerous disputes, the account still is reporting open. This is a violation of the FCRA, which requires that companies properly investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
All three of the credit bureaus appear to be sending out very negative information, possibly unsolicited, to credit card companies. This caused my credit limit to be lowered. I have never missed nor been late with a payment and had been making good headway into the debt. The credit limit was lowered on a XXXX XXXX XXXX card causing the utilization to shoot up to 94 %. This is going to negatively affect other cards. I feel this is being done maliciously and with intent to hurt minorities during Covid. I have never missed nor been late with a payment.

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 2021-06-29
Company: SYNCHRONY FINANCIAL
State: TX
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:
I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The card that was used to obtain a credit card was my social security card. It was reported to the credit bureaus as well.

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 2019-02-19
Company: EQUIFAX, 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:
Equifax and XXXX  are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: CITIBANK, N.A.
State: MA
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:
This is illegaly re-aged. This account was not investigated properly, the date of last active is not reported the same as the other bureaus. Also the payment history is lacking a report.

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 2021-06-28
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I recently received a notice from TCF bank stating that my account had a balance of XXXX, and was being close. Upon inspection I see that they have been charging me a dormant account fee, depleting the balance of the account, and then running it negative. 

This is a local branch I use for cash exchange, and given COVID I have not had a need to go in. I received no notice of this account being dormant, or that fees were being taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: AES/PHEAA
State: OH
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 consolidated my loans in XX/XX/XXXX to the Public Service Loan Forgiveness program. I have 2 letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX stating I chose the Income Contingent payment plan - which is the correct plan.Fed Loan is not counting I filed a complaint and had my case " escalated '' and they are still not counting the payments made from XX/XX/XXXX - XX/XX/XXXX. I have documentation of the payments made and a letter stating my payments would start XX/XX/XXXX. 
I received a letter from Fedloan regarding my case and they still refuse to accept those payments. 
I have documentation of all my payments made and correspondence between me and the student loan companies for the past 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: SYNCHRONY FINANCIAL
State: NY
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:
Alert Type : New Inquiry Processed Date :XX/XX/XXXX Inquirer 's Name : XXXX   Phone : ( XXXX ) XXXX Type of Industry : National Credit Cards/Airlines Address : XXXX XXXX XXXX XXXX XXXX FL XXXX I went to my XXXX Credit reporting portal to discover that there was a hard inquiry on my report that i did not authorize. I called XXXX XXXXXX/XX/XXXX XXXX to inquire why they preformed a credit inquiry, the rude agent advised me that they don't deal with XXXX and that i would have to call XXXX to dispute?? I advised her that the inquire came from XXXX XXXX not XXXX. She repeated over and over I have to call XXXX to dispute the 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 non-monetary relief
Consumer complaint received 2020-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I AM SO FURIOUS WITH XXXX AND CHASE CREDIT CARD. XXXX XXXX  CLOSED MY ACCOUNT WITHOUT EVEN ME BEING ABLE TO USE THE CREDIT CARD, DUE TO A " BUSINESS DECISION '' THAT WAS MADE BECAUSE THEY WERE NOT ABLE TO VERIFY MY IDENTITY. I GAVE THEM ALL NECESSARY DOCUMENTS INCLUDING MY TAXES, DRIVER LICENSE, AND SOCIAL SECURITY CARD. NOT ONLY DID THE CLOSURE OF THE ACCOUNT HURT MY CREDIT, IT PUT MY OTHER CREDIT CARDS IN DANGER AND CHASE ALSO CLOSED MY CREDIT CARD. MY CHASE CREDIT CARD LIMIT WAS XXXX AND DURING THE PAST 6 MONTHS OF USING MY CREDIT CARD RESPONSIBLY AND PAYING MORE THEN MINIMUM PAYMENT REQUIREMENTS, BEING SUCH A GOOD CUSTOMER CLOSED MY ACCOUNT FOR NO REASON, AND ALSO HURT MY CREDIT SCORE FOR THE CLOSURE OF THE ACCOUNT. i HAVE PAID OVER XXXX $ IN CREDIT CARD PAYMENTS THROUGHOUT THE 6 MONTHS IN WHICH MY ACCOUNT WAS OPENED, MULTIPLE PAYMENTS IN A MONTH, USING AND PAYING RESPONSIBILY. SO UNFAIR THAT THEY CLOSED MY CREDIT CARD BEING A GOOD CUSTOMER, PEOPLE STOP PAYING THEIR CREDIT CARDS FOR 4 5 MONTHS AND THEY DONT CLOSE THEIR ACCOUNT, YET I HAVE BEEN A GOOD CUSTOMER PAYING MULTIPLE PAYMENTS IN A MONTH AND USING RESPONSIBILY THEY CLOSED MY ACCOUNT AFTER HAVING A GOOD HISTORY WITH THEM. AND THEY DONT GIVE A LEGITIMATE REASON AS TO WHY I DESERVE TO HAVE THE ACCOUNT CLOSED, WHEN I HAVE BEEN SUCH A GOOD CUSTOMER. I AM DISAPPOINTED IN BOTH CREDIT CARD ACCOUNTS. XXXX DIDNT EVEN GIVE ME A CHANCE TO USE MY CARD CLOSED IT DUE TO VERIFICATION, WHEN THEY HAD ALL NECESSARY INFORMATION TO PROVE THAT I AM THE PERSON APPLYING FOR THE CREDIT CARD WITH A VALID DRIVER LICENSE, SOCIAL SECURITY CARD AND THE IRS VERIFICATION 4506 FORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Dear Manager XXXX XXXX HSBC US, I wish and hope you can help me out of my present financial crisis situation, as XXXX XXXX HSBC XXXX transferred XXXX to XXXX Account. So I request you to help to contact XXXX  XXXX to transfer next time directly to my account instead of XXXX, And verify if XXXX XXXX is legitimate. 
And how can I claim XXXX back to me, and do I have to pay a fee to receive that amount when it is seperately from The US federal government funds, why will I have to pay {$200.00} fee why it won't be transferred immediately when I'm the beneficiary to request that funds in urgence? 
So please reply and explain me know. I'm not a victim of any scam this XXXX is my estate. 
Thank you, XXXX XXXX XXXX : I'm looking forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Lone Star Credit Co. Inc
State: TX
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 EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals Ninth Circuit , No 00- 15946, XXXX vs. XXXX XXXXBy allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX  HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. XXXX AND XXXX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH XXXX   AND XXXX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. Consumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR OSCAR SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED. 
It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Fenton & McGarvey Law Firm, P.S.C.
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:
on XX/XX/XXXX XXXX XXXX credit card collection agency-XXXX settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by Fenton McGarvey Law firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX. a total amount of {$12.00}, XXXX  was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of {$80.00}. since XX/XX/XXXX after the final payment was made i called XXXX office many times and requested a XXXX balance letter, refund of my excess payment, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called XXXX debit collector and emailed XXXX  and Fenton Mcgarvey several times more than 20 times with the attached settlement agreement sent by XXXX  and the total amount of payment made to the new debit collector. See attachment of email from me and my attorney. XXXX sent me a credit report which states that there is one negative report on my report. I disputed it with XXXX. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. XXXX XXXX CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by XXXX XXXX is severely affecting my mortgage loan application. I humbly request the CFPB staff to take immediate action and order XXXX XXXX to remove the inaccurate credit reporting. see attached files from XXXX  report on XXXX XXXX CC and supporting evidence that I have paid the loan as per settlement agreement.

XXXX XXXX must report as XXXX balance. thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. thankyou XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: JPMORGAN CHASE & CO.
State: VA
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:
I was a victim of XXXX of the " XXXX '' scams. Here is what the real XXXX says : Scam Pop-Ups : What You Need to Know Another well-known trick is the website pop-up, that little browser window that sometimes appears while youre searching the Web. Cybercriminals set up websites with scam pop-ups with messages and phone numbers. These pop-ups usually are not easy to close. 
While some pop-ups are useful and important, others are traps that attempt to mislead you into revealing sensitive personal or financial information, paying for fake anti-virus software, or even installing malware and viruses onto your device. 
Do not call the number in the pop-up. XXXX error and warning messages never include a phone number. 
Here are some of the organizations that cybercriminals claim to be from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX Team ). 

I called the number that popped up on my computer screen who I thought was the " real '' XXXX and they told me that they would clean the virus and protect my computer for {$140.00} for year. The billing statement showed " XXXX XXXX WA. '' This was actually a fraudulent company that loaded pop-ups on my computer to make me think that I had a virus. XXXX XXXX claims we received the service and closed our case unless we can prove that we didn't receive the service. They ignore that the company that we were dealing with was a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
delete this inquiry its not mines they refused 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