BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
paypal stole {$11000.00} in donations from me I have used the following donation links provided by paypal XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX this money was supposed to help my business survive during the corona pandemic all the sudden paypal did freeze the funds without any proper explanation. on the phone I was told I will get the money in 180 days. 
when I checked my account I saw paypal did WITHDRAW ALL FUNDS TO THEMSELVES. 
THIS IS ROBBERY! 
ALL DONORS ARE GOING TO FILE CRIMINAL CHARGES AGAINST PAYPAL AND I WILL JOIN A CLASS ACTION LAWSUIT IF I PAYPAL DOES NOT SEND MY FUNDS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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:
On XX/XX/2022 I noticed a collections account for XXXX for {$3800.00}, I immediately disputed this since I had the final bill from XXXX. Which was {$1200.00}. I immediately uploaded my document that clearly stated this was my final bill. This credit agency closed my account as verified on XX/XX/2022. Even though I had submitted proof that this account was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My complaint is against Santander Consumer USA, I have bought car in XX/XX/XXXX at {$15000.00}, I have been paying car note for & 7 years and my balance have only went down to $ XXXXMy contract date to be paid off is XX/XX/XXXX.I believe at this point the balance I owe is fraudulent and this situation needs to be resolved.Also the copy of my payment history you gave me starts on XXXX when payments actually started in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: ACIMA CREDIT, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/2022 someone used my information to get a loan from a company named Acima in the amount of {$1000.00} I did not authorize this purchase nor consent to have my credit pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I desired to have a " work at home '' business. So, I formed a lot of accounts with companies on the internet, ( most of which were at the " free '' level of the services ). Then, because I do n't know how to budget my money like a professional, I got into debt and had to go to XXXX. Now, about a few years later, I am still receiving many emails with claims from companies who claim that I used their services without paying them, even though I never really used their services for anything. I sent a complaint to XXXX and they are trying right now to assign me with a knowledgeable attorney. The idea is to write a letter to the bank, ( which is JP Morgan Chase bank ), that I want to remove my authorization permanently from scams that have been perpetrated on my debit and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Westlake Services, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was in a car accident XXXX/XXXX/16. My insurance and GAP paid Westlake but they still wo n't close the acct and request payments be made. My vehicle I purchase at XXXX and financed with WestLake Financial was in a car accident XXXX XXXX, 2016. My auto insurance XXXX XXXX Claim # XXXX, paid them and confirmed the check was received and cashed by them along with a rendered total loss letter provided XXXX XXXX. XXXX where I bought my car and GAP ( XXXX # XXXX ) XXXX, premium was also sent and cashed by Westlake Financial. Then I get an email SELF SERVICE GAP PACKET to complete that I did n't even know existed or was involved. XXXX XXXX XXXX, XXXX XXXX I have emailed, faxed, overnighted and website uploaded every document requested to every company who has asked for something. WestLake Financial is still instructing me to make my payments to protect my credit until this processed yet they ca n't provide any ETA. WestLake Financial has said that if I am late or miss a payment 3rd party GAP will not pay my claim. PLEASE help me! I am only XXXX, I have done everything, I am making payments on a car I do n't have, WestLake Financial does not appear to be trying to complete my claim. I ca n't get another car until this one is completed because it still exists and I ca n't have XXXX cars. I work full time and have to ask every friend and family member to help me get back and forth to a full time job. I have every piece of documentation you could need if you want copies. I call them weekly for updates and no one I talked to knows. My auto claim payment is n't even showing on my balance owed statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I receive a large amount of cash as a loan from a company to do a loan consolidation. I went into that bank to pay off their loan and was advised that they would process my transaction as a cash advance. The transaction was initially declined due to the daily transaction limits. Immediately I received a call from Chase 's Fraud department ( XXXX ) asking if the transaction was something that I was doing. I explained the transaction and asked if I were to be charged any additional fees by processing this transaction and was told NO. They then increased my limit for this payment, and I paid off the loan at the other bank. Days later I received a {$560.00} fee. I called customer service ( XXXX ) and was advised that it was a bank error and that It was approved to be refunded, and the money would be in my account today. I began processing additional transactions later that night. I called today after seeing the funds were not in my account and was told the transaction was declined because it was n't a bank error. I called today to speak with a supervisor ( XXXX ) who was very unprofessional and confused about her processes or her job responsibilities. I then asked to speak with her supervisor ( XXXX ) who informed me that this would be declined, not understanding the seriousness of what transpired. This is going to cause my NSF charges, and without this money I will not be able to pay my rent and incur additional late fees etc because of that. I 'm a good customer and have never had an issue with the bank or any bank for that matter, and just want them to honor the information that I received and refund me ( immediately ) the money that they stole. I will be looking for a new bank immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/2015, My XXXX child and I purchased a used 2013 Mazda S from XXXX, Colorado XXXX. XXXX had us sign a contract with Chase Bank to finance the vehicle. The contract contained alleged fraudulent entries for options the car already had. I disputed the items and XXXX agreed to issue a new contract. However, the new contract had a different purchase price and initial payment due date than the contract XXXX submitted to Chase Bank. I place a stop payment on the down payment check and contacted Chase immediately. Chase Bank refused to accept Colorado and Federal law regarding the consumer right to know the exact purchase price of a vehicle and the initial payment due date. We tried to work with Chase to remedy the situation, to no avail. I reported the issue to the criminal investigator of the Auto Industry Division of the Colorado Department of Revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$240.00} which was adjusted off per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since there is no account listed under my name, then by by law you have violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-05-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Add-ons to CFPB Case numbers : XXXX and XXXX How could my {$2100.00} check disappeared without trace as what XXXX XXXX XXXX, XXXX and his other Branch Bank Reps told me on XXXX/XXXX/16 at the local Chase branch office ( Chase @ XXXX XXXX XXXX, XXXX, NJ XXXX ) where the Chase ATM XXXX is located? It might be a possibility that someone purposely removed my {$2100.00} check from the Chase ATM XXXX since XXXX/XXXX/2016. That would be criminal and Chase Bank should track down that person who is responsible for this incident. The Computer System in the ATM should be able to create/generate logs from the deposit since I made the deposit around XXXX XXXX on XXXX/XXXX/2016. The ATM printed out a receipt after the ATM swallowed my {$2100.00} check without crediting {$2100.00} into my Chase bank account. As I witnessed, the ATM system was shutting down by itself after the receipt was printed, then I saw Window 7 Operating System Logo at the bottom of the ATM screen, then ATM rebooted itself. After the reboot was done, the message of " The ATM has experienced a Technical Problem '' displayed again on the ATM Machine 's Screen. I called the Chase Claim department at XXXX ( shown on the receipt ) immediately to file a claim right away and spent some time to explain clearly what happened to my deposit failure with the Chase Claim Specialist, but I am uncertain if the Claim Specialist who answered the call the first time was responsible and wrote down or recorded what I reported to her in greater details to help the research and investigations. 

QUESTION : Who has the solid background that can work and solve this problem with a concrete resolution for this ATM Deposit Dispute at XXXX XXXX on XXXX/XXXX/2016 that I made? It requires a team of very experienced Engineers to look at the ATM Computer logs and all video feeds to analyze, find the check, and know what had happened to the check that I deposited at XXXX XXXX EST on XXXX/XXXX/2016. This incident should be traceable as it ate my {$2100.00} check without crediting my Chase Bank Account, and the computer logs should be captured by the ATM computer system if the deposit is failed and I have a printed receipt to show. If not, I would really question the DESIGN of Chase ATM system that simply could not handle deposit failures like this. This is a failure of JPMorgan Chase ATM XXXX and JPMorgan Chase Bank , N.A . should take all the responsibilities and improve their ATM as soon as possible to prevent more Chase Customers from suffering losses ( both checks or cashes ). Do you build the reliable ATMs to allow customer to use it? Most of all, I need the {$2100.00} to be credited permanently from JPMorgan Chase Bank , N.A . and this matter can not take lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Westlake Services, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a loan with Westlake Financial and was advised that my last loan payment in would be in XX/XX/XXXX. I was informed that I would need to pay only late fee charges and returned check fee charge to receive my title. The rep that I spoke with never gave me a date when this amount would need to be paid as it was not goin against my loan balance. For several months the company did not report this as a charge off, nor send any correspondence or make calls demanding payment I made a payment on XX/XX/XXXX in the amount of XXXX. This paid the remainder balance to get my title in full. On XX/XX/XXXX I received a credit notification stating that Westlake Financial reported my account as a charge off with a balance of XXXX. This was reported after my account was paid in full. Not sure how this is possible when it was never reported prior to making my payment. Therefore I am launching a formal complaint and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: AMERICAN HONDA FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
I was the co signer on a Honda lease that was opened in XX/XX/XXXX. My credit report states that there were 2 late payments back to back XXXX of XXXX and XXXX of XXXX when they were not late. The primary individual on the account does not have any late payments on their credit report for this account, but I do. We have contacted Honda for them to take a look and remove the 2 late payments from me credit report and were told they submitted the information needed to do so, but almost a year later both bad inquiries are still showing. Every payment for this lease was made on time and my credit report for this loan should show the same ( all green ) as the primary signer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and Transunion are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX   XXXX  nor transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint.

Department Of Education/XXXX XXXX Account # XXXX Amount {$22000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$4900.00} Inquiries : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I received an email from XXXX that someone had tried to open up a loan in my name using my credit report. The company also stated that they used my information to also open up a savings account in my name as well. Ive called USAA and they have frozen/ stopped the account and the inquiry and I also called XXXX and they took off the credit report from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Daily calling of my cell phone using multiple phone numbers at XXXX.. My cell number is new, they apparently are looking for the previous cell number owner about some debt and despite numerous requests they have not removed my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been charged several insufficient fees for XXXX transactions. Initially when I made the charge with my debit/credit card the funds were available in my account on XXXX XXXX, 2016 in the amount of {$12.00} and the other charge {$11.00} on XXXX XXXX, 2016. In my account I had approximately {$850.00} available. So those transactions were completely covered. I also viewed my account on XXXX XXXX, 2016 my account was still in good standing all through the day until XXXX XXXX, 2016 at XXXX. Then my account went into negative over {$350.00} of fees. I called chase and reminded them that on my account I signed for transactions to be declined when funds are not available. He said a check was presented for {$1600.00} on XXXX XXXX and their policy is to pay the check first no matter what other transactions were presented before the check. I 'm asking for the return of the fees of {$68.00}. The check was deposited by error I had chase to cancel the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2022, I logged into my account and saw that my credit card was closed. I never received communications that my credit card was in danger of being closed to inactivity. Customer support said that they sent a letter that I did not receive. I log into my account every week, they never flagged anything or sent out a notification. Why is there an account closure flag but not a danger of closing flag on the dashboard? I called to have it reopened, and they said it was a permanent close. Why dont they have a window to reopen? This is my longest standing credit card, it is going to ruin my credit score because my credit age is going to be cut in half. This is ridiculous! No notification and no way to reactivate the account within 30 days. 

I did not have a home from XXXX to XXXX because my roommate terminated the lease. I took some time in XXXX after that stressful situation, so I was not in the US. Its important that they actually attempt to communicate with you for serious issues. Sending a letter is a BS excuse to satisfy a requirement. My account should been flagged when I logged in, I should have received a push notification, and an email. There should be a grace period to reactivate. They need to fix this, those are simple features to implement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-07-11
Company: EQUIFAX, INC.
State: NY
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:
A previously removed account from  XXXX   XXXX   ( acc  #  XXXX  ) was removed from my Equifax report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my Equifax collection report. The collection company and Equifax are in violation of the FRCA, and this account need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
trans union did not verify negative information by sending consumer a copy of the negative information?

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