BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Credit determination

Complaint:
I received an email offer for pre-approved credit card from CHASE Bank, i finished & submitted the application to CHASE and received a confirmation email states the following : From : " chase.applicationreceipt XXXX Date : XXXX XXXX, 2015 XXXXSubject : Thank you for your applicationThank you for submitting a credit card application to Chase. 
Here 's what you can expect next : We 'll let you know of our decision through U.S. mail within the next 30 days. Please do n't resubmit this application while waiting for our decision. 
If we approve your application, we 'll send your card and other important information to you by U.S mail. Once you receive your card, call the number on the sticker right away so you can take advantage of everything your card has to offer. 
If we do n't approve your application, we 'll send you a letter explaining why. 
Thank you for applying for a Chase credit card====================================================================Until today i have n't received any response or reply from CHASE, I called chase bank 2 weeks after receiving this email and was informed that i will receive a letter soon from them, then nothing came in the mail, i called again and requested the letter, the agent offered to read the letter for me, i asked him to fax it or mail it. Chase representative had no reason why to deny my application since i have perfect XXXX score & low DEBT/Income ratio. 
I still have n't received a decision on this application and it is has been more than 70 days. and my Refinance is about to fall apart because of CHASE. 
if i do n't submit these documents to my refinancing bank, i might lose refinance. 
===========================================================Response disputedRESPONSE Chase Bank Credit Card said : Explanation of closureWhen a credit card application is declined, we send a letter explaining the reasons why. I have enclosed a copy of our letter dated XXXX XXXX, 2015. The letter advises the reason for the decline is a " Previous unsatisfactory relationship with us or XXXX our affiliates. '' We apologize for the inconvenience, but we can not give a more specific reason. 
Comment : CHASE never sent me any letter on XXXX/XXXX/2015 because when I called on XXXX/XXXX/2015 I was told that no decision was made yet on the application HOWEVER I would like that letter to loaded to CFPB reply. 
ResponseWhen we were notified of this case, we sent you a letter letting you know we received it. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 
COMMENT : this is a lie you never sent me any letter in this REGARD, but I 'm entitled under FAIT ACT to receive the decision in writing, I WANT THAT POSTED HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
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 XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-06-03
Company: EQUIFAX, 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:
Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT XXXX WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I was contacted by XXXX back in XX/XX/XXXX and I paid them {$2000.00} with my US Bank credit card, apparently for their " Business Concierge '' package. It was my understanding that they were going to increase my online presence by managing my online reputation, therefore increase my SALES. Well it has now been a while, the reason why I am writing to your agency is because they promised me in writing my refund on XX/XX/XXXX and they are not complying with their word, I called them several times and no word from them. They are being dishonest and I need your help with that. I am attaching the refund and harmless form that I signed to this complaint.

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 2021-01-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I mailed a dispute letter to Experian. The United States Postal Service provided a delivery date of XX/XX/2020. As of XX/XX/2020, Experian failed to respond to my dispute letter. In response to their failure to respond within the 45 days allotted due to COVID, I sent a letter requesting deletion of the disputed accounts. Experian 's failure to investigate my dispute within the appropriate timeframe is a violation of my rights as a consumer under the Fair Credit Reporting Act. As such, I am requesting CFPB conduct an investigation of this matter. In response to my request sent to Experian on XXXX, the credit bureau failed to delete the accounts as requested and instead attempted to perform the initial investigation requested on XX/XX/XXXX. This is a violation of my rights, as the timeframe by which an initial investigation should have been conducted had long expired. Experian mailed correspondence on XX/XX/2020 and only one of the accounts had been deleted. The remaining accounted was listed as updated. This again violates my consumer rights. The account was not investigated within the timeframe allowed by law. Experian engaged in unethical practices by labeling the XXXX correspondence as a reinvestigation. This implies the original investigation had been completed and indeed it had not been completed. The XX/XX/XXXX correspondence was the first and only correspondence I received in regard to the XX/XX/XXXX dispute letter. I am requesting an investigation and the remaining account deleted from my credit report as requested due to the violations by Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Pan Am Collections, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
This debt collection want me to pay for a house The i didnt lve there after XX/XX/XXXX i rent this home and my lease i Was over and XX/XX/2015 and i didnt sing another lease and i mover out and They want me to pay The rent on to They rent The house again when i Was not living and that house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 keep getting alerts saying the my credit information was being used on the Dark Web I dont know how or why, or how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX I called the banks and told them that these accounts were opened fraudulently. I never applied. it's fraud. 
Goldman SACHS / XXXX credit card Goldman SACHS XXXX credit card XXXX ACCOUNT XXXX XXXX credit card XXXX XXXX credit card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit card XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Monterey Financial Services LLC
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My complaint is against Monterey Financial Services XXXX Inc. in California. There are several problems with this company and their fees. I was charged a no sufficient funds charge of {$30.00} in XXXX XX/XX/XXXX. I immediately called my bank since I knew the funds were in my account. The bank said no request for payment was ever presented. I called this organization and they would not budge off the premise that I owed their fee. Additionally, they charged me with another {$15.00} which totaled {$45.00} plus my regular monthly payment of {$220.00}. I paid these ridiculous fees so I could be from under this debt as soon as possible. On XXXX XXXX, XX/XX/XXXX I scheduled what I thought would be my last payment. When I checked my account on the following Monday it showed a remaining balance of {$1.00}. I wanted to be away from this account as quickly as possible, so I wanted to pay this off. I was afraid to mail since I felt they would not be honest and post to my account so they could charge more fees. I tried to pay online where I knew they would charge an additional {$10.00} but I was kicked out of the site. On Tuesday, I decided to call to make the final payment and their phone system stated that I owed {$16.00}. I paid the fee so that I would have a {$0.00} balance. My complaint is after 24 months of dealing with this company I have paid a total of {$270.00} in what is listed as " other '' fee since I wanted to pay online so that my account would be credited on the day I paid. It seems to me all of these additional fees and how they collect them could not possibly be legal. They charge {$10.00} for late fees and {$10.00} for paying online and then they slid in the phony returned payment fee of {$30.00}. To make matters worse they are showing my last payment as a write off and not as a final payment nor do they show the {$16.00}. They show {$1.00} was the balance the day I paid the account in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Flagstar Bank, N.A.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was damaged during Hurricane Ida. My Insurance company awarded me {$17000.00}. I had to sign the check and then forward to Flagstar to go into my escrow. I have been trying desperately to get them to release {$10000.00} to pay my roofers. I have had one excuse after another. I have been trying for XXXX months to get this money. I talked to them on the XXXX of XXXX and I was told everything was received and approved and they would mail me my check in a couple of day. My roofers went ahead and put the roof on. I called them a few days later to check the check. They said on the XXXX they found an error. It concerned the W9 form. Something about a zip code. This is the third W9 form I have sent to them. This is ridiculous. I sent all of the papers in that they had me do and I doubled checked. Now they are claiming they do not have the estimate sheet which was sent to them. They do not want to get up off of this money. This is my money they are holding. My dealings with the insurance company were very smooth. They sent my money promptly but the mortgage company will not release it. I am so frustrated. I looked up their reviews and they were horrendous. So many people have the same problem I have. Not releasing their money to them. My roofers want their money and there is nothing I can do. This is the worst bank and I have read all of the reviews of people who are going through this headache. Everything I fix a so called problem another one pops up. It is ridiculous. Three times it was for a zip code which the company correct three times. The had the estimate sheet before and now suddenly they don't. I do not think they are every going to release my money to have my home fixed. Hurricane season is here again and I haven't got my money from the last one XXXX XXXX XXXX Please Please help me. I do not understand how this place is even a bank. There is something definitely wrong somewhere to have this many complaints. I just want to get my money to pay for my roof. I have not even started with replacing my fence yet. I know I am going to have to fight for that money also. I am XXXX XXXX XXXX and have never been through anything like this in my life. This is what I pay homeowners insurance for never dreaming I could not use it. HELP

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 2016-11-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have XXXX small business accounts with XXXX. On XXXX of the accounts I utilize PayPal as my merchant service account. I have experienced inconsistent issuance of credit of deposits on my XXXX account. For example : I transferred money from PayPal on XX/XX/2016 and it was updated as completed on XX/XX/2016 at XXXX. Several hours later and at the time of this email, I 've yet to get credited for the deposit by XXXX. My first concern is that the deposit is being used by one or both of the institutions to skim money for themselves. My second concern, is that the money is intentionally held because I have pending auto transactions attached to the XXXX account. By with holding the deposit I will be assessed late fees for the insufficient balance when the auto transactions come due. The deposits are credited at different times and dates with no rhyme or reason. This leads me to think that XXXX is engaged in fraud. Along with the knowledge that XXXX has been assessed millions in fines for fraudulent banking practices recently by setting up bogus accounts and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: DISCOVER BANK
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a discover credit card. I got an email from discover saying consolidate debt with low interest rate. I clicked the button to investigate the offer. I entered some info next thing I knew they ran my credit. Ok fine. Then after going through the process I got an email from discover home loans. I was confused. Turns out they werent offering me debt consolidation but rather a home equity loan. I did not want and would not have applied for a heloc. When I went back to the original email I noticed in big bold letters it mentioned low rates and consolidating and in small letters it mentioned tap home equity. I then also noticed that at the bottom Of the email it said the email was about my credit card ending in the last 4 digits. I feel discovers marketing team set up their email to be deceptive pretending this was just a regular loan when in fact they were planning to attach themselves to my home which i co own with my partner. I think they should be more up front and should send emails even introductory emails from discover home loans not under the disguise of my credit card. They purposely aimed to deceive me into applying for what I thought was a regular loan. Then when I emailed them to withdraw the application they didnt and continued to email me to give them more info for my application. I then had to speak to two people to get them to cancel the loan. I shouldnt have to ask twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: PNC Bank N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Thought I opened a regular checking account with PNC Bank, included a deposit of {$2000.00} that occurred on Saturday, XX/XX/2016. However, I was unable to access the account, so I called customer support on Monday XX/XX/2016. I am unable to access my account or the funds without a " signature card '', which I 'm told is a piece of paper I have to physically sign ( note that, as far as I can tell, this card is not a method of payment, but rather solely used to contain a signature. I asked why, and was told the card is used to verify my information. I asked, do you not already have my social security number, driver 's license, and {$2000.00} deposit? I was told that, for some reason, a physical card with my signature was necessary. I was also told the card takes 3-5 business days to receive. However, I have not received any such card. I then tried to close my account over the phone and have my funds returned to my issuing account. They also said this would be impossible without the " signature card ''. Is this not a violation of FDIC laws? The deposit was less than {$5000.00}, meaning there 's no reasonable expectation for the bank to issue a hold for this period of time. Phone representative : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: STATE FARM BANK, FSB
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016 I submitted a request to State Farm Bank ( SFB ) to refund fees charged to my mortgage balance in conjunction with a modification request ; the modification request ( deed in lieu ) was denied. I have been trying to sell my ( now non-primary due to a relocation ) residential property for 10 months when I submitted the request. SFB did not make it known that I would be charged fees for the CONSIDERATION of the modification during the modification application request process. Merely to be considered SFB charged me {$420.00} for a BPO Appraisal, a title search fee and a credit report fee. I feel that this process is misleading and applies even more of a hardship on borrowers who are seeking modification due to financial stress in the first place. Not only do I have the original mortgage balance but SFB has applied MORE due in fees and interest due to this. I am sure there are many other borrowers in my situation and if not many currently, there will be. SFB as of XX/XX/2016 still not responded to my ongoing requests for fee & interest refund. The last correspondence received was on XX/XX/2016 stating that management would review & send me a letter with their explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Infomed Synchrony bank of my travel plans outside of the country and to other states within the US prior to travel. These notices have been given to Synchrony two weeks prior to travel and again the day before my travel. Every time Synchrony bank shuts down my cards claiming fraud when they knew I was traveling. I 've spent hours on the phone with Synchrony to correct these issues to no avail. I 've asked for a direct phone number to correct these problems from supervisors and the only answer I ever receive is I 'll send your complaint to upper management.

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 2015-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have made several attempts to get Transunion to change my Tax Lien.. They were sent a notice to vacate. Please help me on this as well as the XXXX Lien is pad. Thank you and I will attache. The paper work. Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
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:
Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT XXXX WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit 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