BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-26
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal closed my account due to me disputing transactions I did not authorize. They even closed my friend account because he was allowing me to use his account. They will not let me re-open it at all or create another account even after I verify my identity and verify I did not authorize those transactions. I have tried reaching out to higher departments but it is all the same no one will help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone used my debit card number, not the actual card to rent a car and said they had my permission which they did not. I do not know the person. I filed a dispute with JP Morgan Chase which they applied a temporary credit for XXXX there were multiple charges ) they later reversed some of the credits. the total was over {$10000.00}. They told me XXXX had sent them paper work with someone elses name and my debit card number ( not through a POS ) and this constituted proof that I gave the unknown individual permission. This is " under investigation '' with XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Paradigm Assets, LLC
State: MD
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:
JHPDE Finance I LLC has open a collection account on all my credit reports without verifying the accuracy or contacted me prior to open this account against my name. I have contacted JHPDE Finance I LLC on multiple occasions for the validity of this account but I got no response. JHPDE Finance I LLC, XXXX, and XXXX refused to investigate the validity of my disputes along with removing it from my account. I eventual settled the account because this collection account is impacting my employment. After settling this collection account with the request to removing it from my account, JHPDE Finance I LLC still refused to close and remove the account from XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I opened a Citi AAdvantage card. During the account opening process, the application asked me to create a log in, sign up for a paperless option and then provide a secret word. When I selected Continue to move on, the website said " System Error. '' I tried calling customer service who was not able to identify me or find my application. They transferred me to the application team where my application was found. I was then told that there was " website issues '' or " some applications do n't allow instant access, maybe this was one. '' and to " Please just wait until you get your card and you create on online account. '' My concern remains that Citi is willing to send a credit card by XXXX with no tracking methods to my house in the city where mail is often stolen and the only way to create an online profile is to " try calling back in 24-72 hours when your account goes to customer service and see if they can help or wait until you get the card. Maybe we could also send it to someone else 's house. '' I am concerned that I have no way of tracking the account opening process and delivery of my credit card without putting a hold on the account and potentially allowing someone to compromise the card without me being able to log in and see the account status.

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 2016-09-19
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Bankruptcy

Complaint:
Chase insists on reporting delinquent payments on my credit reports and my wife 's credit reports 6 years after the Chapter XXXX bankruptcy was discharged. We have requested the information be removed by contacting the reporting bureaus, Chase and now CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXXThis is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already proved with the credit bureaus and the CFPB that this account is a relatives account it is not mine ; it has been removed from my credit reports a couple of times, the account gets sold after I show that it is not mine and then it goes back on my credit reports, affecting my life and my family 's life. Original account is Citibank NA : XXXX XXXX XXXX XXXX. The account was sold to XXXX XXXX XXXX, then XXXX, XXXX and now a company called XXXX XXXX XXXX ; whom never contacted me, they placed it on my credit report. I did send them a letter, I have not heard back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am attaching a " spam/malware/bogus email '' I received. I am NOT a credit card holder, I am NOT an American Express customer. And, of course, I did NOT open/ download the email attachment. 

email : '' Dear American Express customer, We have recently detected that a different computer user has attempted gaining access to your online account and multiple passwords were attempted with your user ID. 
Hence it is necessary to re-confirm your account information and complete a profile update. 
You can do this by downloading the attached file and updating the neccessary fields. 
Note : If this process is not completed within XXXX we will be forced tosuspend your account online access as it may have been used for fraudulentpurposes. 
Completion of this update will avoid any possible problems with your account. 
Thank you for being a valued customer. 
( XXXX ) American Express Customer Service 2015. 
Dear American Express customer, attachment Verification FormXXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My name is XXXX XXXX my ss # XXXX I been with American Express over a year I have XXXX accounts with them XXXX personal and XXXX business I open XXXX account for XXXX of my head employees in California he used the card this was a new business and card was for that business i use my card off and on, the XXXX time my employee use for XXXX in tell i got out too California American Express for all my cards never missed a payment always paid before time they asked for proof of income I told them I was a victim of identity theft so the IRS Could n't no information I did everything they ask me to, they want my XXXX for XX/XX/XXXX and XX/XX/XXXX so I called the IRS To get A copy the IRS ask me show my copys to the IRS, told XXXX what was going on I told them I will fax over my copys, and they told me no that they want the originals on open from the IRS which would then mail to me from XXXX XXXX XXXX on XXXX has the right to opening my mail, so they cancelled all my credit cards hurting my credit making remarks that I was a resk to pay them back, when I show my bank statement how much I have in my accounts, when I applied for my credit cards I fit every requirement this is all over XXXX employee spending {$1900.00} stating that he used 95 % I love my credit when she used it XXXX time until I got in California XXXX and they spend it right away which was paid back in full before time, I feel that their prejudice because XXXX my XXXX accounts has nothing to do with my personal accounts, now they 're putting my credit history in jeopardy, when there are people out there as do n't pay their credit cards, and they have someone like me that page before time never missed a payment never been late always paid more than what was do I need your help just trying this out thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Amsher Collection Services, Inc.
State: NJ
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: AFNI INC.
State: TN
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:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: DISCOVER BANK
State: NJ
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company continues to repeatedly call and harass me during working hours even after I have asked them to stop. I get calls from them when I am in important meetings and it is putting my job in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The letter sent to XXXX XXXX below XXXX outlines what happened. I have disputed the incorrect credit reporting through Equifax, including the following letter and my credit card statements as evidence, to which they came back with no changes stating they 'verified ' the information reported. I have also disputed the incorrect credit reporting through XXXX Disputes Dept, but no corrections have been made to my credit file. 

XXXX MO XXXXRe : XXXXDear XXXX XXXX XXXX XXXX I am responding to your reporting on my credit file. You first contacted me by mail XX/XX/XXXX to attempt to collect {$15.00}. I did not have any responsibility for the alleged debt you were trying to collect. 

I have attached my XX/XX/XXXX credit card statements for you to view. Please take note of the transition from XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I disputed the {$15.00} with my credit union after receiving statements that I had a XXXX balance with a minimum {$15.00} payment. My credit union investigated my dispute and deemed the {$15.00} an error on their part, resulting from a payment to my credit card that was misapplied by XXXX XXXX XXXX XX/XX/XXXX. It was also acknowledged as the second misapplied payment, following the first in XX/XX/XXXX. You will find the {$15.00} credited to me by XXXX XXXX XXXX on my XX/XX/XXXX credit card statement. 

Please verify and update the following incorrect information in my credit file : past due status in XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status in XX/XX/XXXX & lt ; -- - owed a XXXX balanceIf the corrections that need to be made are not immediately addressed, I will have no choice other than to move forward with this complaint to the Consumer Financial Protection Bureau and/or file suit. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: BCA Financial Services, Inc.
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:
Complaint was filed and CEO, XXXX XXXX replied stating this was removed from my credit back in XXXX. Yet, as of XX/XX/XXXX, it remains active on my credit. 
I have not received any documentation that this was removed either. This is violating my rights and damaging my credit rating which I have worked hard to maintain. 
I have attached a screenshot of one of my bureau reports from XX/XX/XXXX to prove it still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CONTRACT CALLERS INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a delinquent/collection account that was paid off and has a balance of {$0.00}, however it is still reporting to the CRAs. It is against the law to report a paid and XXXX balance collection. I have contacted the company numerous times and was told the account would be removed from the credit reporting agencies. This account has been paid off for years!

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 2022-11-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX reported a collection in my credit file on behalf or XXXX XXXX. 

XX/XX/XXXX The account was removed from my accredit reports for inaccurately reporting a paid account. 

On XX/XX/XXXX, I discovered XXXX XXXX re inserted the same INACCURATE collection account on behalf of XXXX XXXX in my credit file. To my understanding the credit bureaus are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive such notification. 

XX/XX/XXXX The account was removed once again from my credit reports for inaccurate reporting. 

XX/XX/XXXX XXXX XXXX XXXX re inserted the SAME INACCURATE collection account on behalf of XXXX XXXX for the 3rd time. Once again, I did NOT receive a notification of reinsertion. 

XX/XX/XXXX, I disputed this account with XXXX XXXX XXXX, they did NOT provide sufficient proof of validation. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA the credit buraus are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

The FOLLOWING derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, the infractions are as follows : INACCURATELY REPORTING BALANCE INACCURATLEY RRPORTING DATE OPENED INACCURATLEY REPORTING ACCOUNT NUMBER INACCURATEY REPORTING THE ACCOUT STATUS AS OPEN INACCURATLEY RE INSERTING A PERVIOUS DELETED INACCURATE COLLECTION ACCOUNT NOT SENDING A NOTICE OF RE INSERTION

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called XXXX in XXXX 2010 that I wish to discontinue my service. They told me they would send me a box to return the receiver. A couple of months passed and I never received an authorization to return the receiver and I did not use my XXXX service after XXXX/XXXX/2010 since they told me I was paid up through that date. They began calling me to collect in XXXX 2010 and I will not pay the {$180.00} balance since I do not owe it. They have reported this on my credit. I need this taken off since I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: AXOS FINANCIAL, INC.
State: KS
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:
Axos bank put 2 inquiries on my XXXX credit report that I didnt authorize. Both inquires occurred on XXXX. They hard checked my report for a service that was supposed to soft check as stated by their website. I have gotten in contact with axos bank support team several times and nothing has been resolved. I emailed first on XXXX and explained unauthorized inquiries. A second email was sent XXXX to attempt to reach out to them and nothing still has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 I purchased XXXX XXXX XXXX on XXXX and paid by XXXX. 
A few months later, Citi Cards XXXX located at XXXX XXXX XXXX XXXX, SD ) requested to pay {$99.00} for the same product. 
I disputed it with their dispute email address on XXXX XXXX. 
I send my PayPal receipt attached to the email. 
But several month later, they send me billing again for the XXXX XXXX. 
With their consistent charge mailing with increasing amount with interest, I finally report it to XXXX. 
During XXXX  process, Citi Cards said they will investigate it several times with no result. 

But today they sent me another bill with increasing amount of {$100.00}. 

I checked my credit report. They report this charge as non paid on credit report of mine. 
They damaged my credit report. 

I believe XXXX  could not solve this problem. Therefore, I request Federal level intervention.

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 2017-03-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX, I requested a refund check for an overpayment from American Express. I was told it would take 7-10 days to get to me, which was acceptable. On XXXX, I still did not have my check and it was outside of the timeframe I was promised, so I called American Express directly to inquire. The representative I spoke with was very helpful and courteous and offered to have a new check overnighted to my address, but we both decided against that as he thought I might still get the check in the next 2 days. XXXX rolls around with no check in the mail, so I call and ask for a new one to be overnighted. I was told that could not happen and it would be mailed, with the same 7-10 day turnaround time. That was not acceptable to me, so I escalated the call to a supervisor, who told me he would get it overnighted, to be received on XXXX, XXXX rolls around and still no new check! I have the old XXXX now, of course, but that was cancelled so it does nothing for me. I am at a loss of words now because I need this money to pay my other bills, but American Express is not doing anything to help me! This is my money, all I want is to get the money that is owed to me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: AXOS FINANCIAL, INC.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU IM REACHING OUT TO THIS AGENY TODAY BECAUSE IM HAVING DELAY PROBLEM ISSUES WITH & XXXX XXXX XXXXXXXX GOES THE BY NAME OF AXOS BANK SO THE CONSUMER CUSTOMER CAN EXPLAIN MORE IMFORMATION ABOUT WHAT TYPE OF PROBLEM ISSUES HE HAVING WITH AXOS BANK REGUARDING DELAY OF MOBILE CHECK DEPOSIT WAS SUBMITTED INTO HIS AXOS MOBILE CHECKING BANKING APP OVER THE PHONE TODAY AFTER THE CONSUMER DEPOSIT MOBILE CHECK DEPOSIT AMOUNT {$2000.00} MOBILE CHECK DEPOSIT RECEIVED CONFIRMATION NUMBER XXXX XXXX EMAIL ADDRESS THE MESSAGE CAME FROM TRANSACTION DATE OF CHECK AMOUNT XX/XX/2022 CHECK TRANSACTION DATE WAS APPORVED ON THE SAME DAY THE MOBILE CHECK WAS DEPOSIT THOUGHT AXOS MOBILE APP ON MY SMARTPHONE TIME CHECK DEPOSIT XXXX AXOS BANK ARE WITH HOLDING THE CONSUMER FUNDS AFTER HE RECIEVE MESSAGE SAYING THE CHECK TRANSACTION AMOUNT FOR {$2000.00} BEEN BEEN RECIEVE & APPROVED THE SAME BUSINESS DAY THE CONSUMER REACH OUT TO AXOS BANK CUSTOMER SERVICES DEPARTMENT TELEPHONE NUMBER XXXX THE AXOS BANK ARE TELLING THE CONSUMER CUSTOMER HE HAS TO REACH XXXX BUSINESS DAYS BEFORE THE FUNDS CAN CREDITED INTO HIS PERSONAL CHECKING ACCOUNT WITH AXOS BANK AXOS BANK ARE REFUSING TO RELEASE MY FUNDS TO MY CHECKING PERSONAL ACCOUNT I HAVE THOUGHT THERE BANK

Company response to consumer: Closed with explanation