BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My disagreement is with the Synchrony bank for lowering my line of credit for reporting a dispute over a charge on my Sam 's Club credit card, I discovered that charge that was made at the Sam 's store in Arkansas on XX/XX/2022 by the amount of {$100.00}, I reported the unknown charge to Sam 's Club Synchrony Bank credit card customer service and for that report my credit limit on that card was lowered, the previous limit was {$3600.00} and they lowered it to {$700.00} without sending me a letter why they lowered my limit to spend on that card and I have tried to get an explanation and to date I have not received an answer.

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 2023-02-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2022-12-19
Company: AMERICAN EXPRESS COMPANY
State: CT
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 have credit card charges I didnt make and could have not made i was incarcerated at the times of the credit cards usage this is public information u can look my name up and see I was incarcerated I did not make none of those charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: PENTAGON FEDERAL CREDIT UNION
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I needed to transfer an FHA case number from XXXX XXXX to penfed credit union since somebody who was not me applied for an FHA in the XXXX of last year the case number was still opened but they can only be 1 FHA case number at one time so penfed credit union sent me a step by step process i had the case number transfer but the case number had expired and i let penfed credit union know of this error but they still made me proceed i sent them that the transfer was complete and i pay XXXX dollars for an appraisal to get a call 3 day before my closing date letting me know that the FHA case number expired so there team could not accept it not only does penfed credit union want me to pay for there mistake also i have to push my closing date for another 2 weeks if sellers agrees to it and i also have another month of rent for my current residence penfed has not showed any accountability or any type of responsability for there mistake they are just making me pay an extra XXXX on a new FHA case number and 1 months rent for my current residence so in total penfed credit union has cost me almost XXXX dollars and has completely underminded me

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 2016-09-30
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had an installment loan with Cash Central which they reported to XXXX XXXX and XXXX despite explicitly agreeing not to. I disputed this once via CFPB and Cash Central agreed to remove it. I just checked XXXX reports and they have not done so. They are in violation of the agreement. They need to remove this from XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Stayed at the XXXX XXXX hotel for a week. Hotel had a strong weed smell despite saying no smoking. Cockroaches were in the kitchen. The bathtub was dirty. Stove had poor ventilation, making it impossible to cook without a metallic smell. Internet would cut out constantly making it hard to do my job despite internet being advertised. I stayed from XX/XX/XXXX to XX/XX/XXXX, for a total of {$500.00}. I wasn't able to cancel my reservation. At the end of my stay the staff said I would be getting a full refund. I called the hotel when I did not receive a refund, and they said to contact the company through the website. I contacted the company on XX/XX/XXXX, but got no reply. I disputed my transaction through Wells Fargo on XX/XX/XXXX. They gave me a credit, and said my credit would be permanent after giving them this information, but now they are saying they are revoking my credit for the {$500.00}, and that they can't do anything about it.

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 2023-04-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Support Team, I am writing to express my deep concern over the permanent limitation placed on my PayPal account. I believe this limitation was a mistake, as I have not violated any PayPal policies. 

I have been a loyal PayPal customer for many years and have always used my account in accordance with the terms and conditions outlined by PayPal. Therefore, I am at a loss as to why my account has been permanently limited. 

I respectfully request that you re-investigate my case and restore my account if possible. I would appreciate it if you could provide me with a clear explanation of why my account was limited in the first place. 

I would also like to confirm that the email address associated with my PayPal account is XXXX. Please let me know if any further information is required from me to facilitate the review of my account. 

I sincerely hope that you will take my appeal seriously and look into this matter as soon as possible. I value the services that PayPal provides, and I hope to continue using them in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX Wells Fargo Customer Service Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Urgent Dispute Resolution for Unauthorized Transactions and Funds Restoration Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the unauthorized transactions that have occurred on my account, as well as the delay in the restoration of funds by Wells Fargo XXXX This situation has arisen at an exceedingly challenging time for me, as my grandmother recently passed away, and my family and I urgently need to travel abroad to attend her funeral. I implore you to promptly address this matter and return the funds to my account, as it is critical for our travel expenses and necessary arrangements. 

Last year, I discovered several unauthorized transactions on my account, which I immediately reported to your customer service department. I followed the prescribed protocols and completed all necessary paperwork to initiate the dispute process. While I understand that thorough investigations are required, it has been an extended period since I filed the dispute, and the funds have not been restored to my account. 

The sudden loss of my grandmother, coupled with the financial strain caused by these unauthorized transactions, has left my family and me in a distressing situation. We depend on the funds to cover essential expenses related to travel, accommodation, and funeral arrangements. The continued delay in resolving this matter has added further emotional and financial burden during an already difficult time. 

I kindly request that you expedite the investigation of these unauthorized transactions and promptly restore the funds to my account. The urgency of this request can not be overstated, as my family and I need immediate access to the funds to fulfill our familial obligations and to mourn the passing of our beloved grandmother. 

As a longstanding customer of Wells Fargo, I have always appreciated the exceptional level of service provided. However, the current situation has left me disheartened and concerned about the resolution process. I trust that Wells Fargo will prioritize my dispute and take swift action to rectify this matter. 

I kindly request your utmost understanding, empathy, and cooperation in resolving this dispute at the earliest convenience. Your prompt response and resolution to this matter would significantly alleviate the financial strain and emotional burden experienced by my family during this challenging period. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and the restoration of the funds to my account. 

Sincerely, 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 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
someone opened up a credit card in my name and used it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Volvo Car Financial Services U.S., LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX, my spouse and family were relocated to XXXX, XXXX because my husband 's career supports the well-being of the XXXX XXXX XXXX XXXX soldiers. 

On XXXX XXXX, XXXX, we returned from XXXX to the United States ( to Ohio ). In XXXX we purchased a XXXX from XXXX XXXX in XXXX, XXXX. We paid {$600.00} extra to have this vehicle returned to the XXXX using their " white glove '' service. 
On XXXX XXXX, XXXX, our XXXX XXXX XXXX arrived in Ohio XXXX XXXX ) after a XXXX delay, sitting at a port in XXXX. 

The XXXX overseas shipment program has been less than satisfactory and promises more than it delivers to XXXX soldiers and diplomats. We have encountered various issues along the way. Truly the only benefit to paying that much money was so that our vehicle was delivered closer ( in proximity ) -- that's it. Our current Volvo Rep at XXXX in XXXX, OH, is terribly unaware of the process. I do believe that Americans are being ripped off repeatedly overseas, specifically in XXXX at our military bases, due to over promising and under delivering. Who is overseeing and keeping these business practices ethical?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BARCLAYS BANK DELAWARE
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: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a {$15000.00} " signature student loan '' private student loan from XXXX XXXX in XXXX and because my credit was not good, I needed a co-signer. This loan was in addition to federal loans taken to cover living expenses and costs for school XXXX XXXX XXXX University XXXX  campus in XXXX Fl. I was a part time XXXX and working full time. For many years, until XXXX, we paid the best we could until my exhusband and I filed for XXXX  XXXX bankrupcty and was ordered NOT to pay this account. The intersest capitalized and the loan grew and grew until payments continued in XXXX. In XX/XX/XXXX, the loan topped out at {$18000.00}. I continued to pay the best I could until another personal XXXX  XXXX bankruptcy in XXXX. To date, I have paid over {$15000.00} on this loan. I still owe {$11000.00}. I have attemped to remove my co-signer a few times and every time it is denied. The interest rate is above 7 %. My loan was not included in the Multi-State Navient settlement because the company says that I was never deliquent. I argued with them that XXXX separate bankrupcties is delinquency and that there were more than XXXX  months of missed payments. I think Navient/Sallie Mae has collected my debt unfairly as this private loan should have been discharged with my bankrupcties. Please let me know how I should proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: OH
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:
Please note this is not a debt validation request. This is a request to be removed from credit reporting according to the consumer laws noted. 
( 15 USC 1681 ) According to the U s consumer laws I have a right to privacy.

I request for all of the disputed accounts to Cease Desist credit reporting.

I repeat, I invoke my privacy under the consumer laws to cease credit reporting on the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 my debit card was used in the XXXX XXXX XXXX with transactions amounting to around {$2400.00} in cash back and unauthorized cashback and debit card withdrawals. I currently live in California, nearly XXXX miles away. At the time of the unauthorized transactions, immediately called Chase to tell them about the charges and to cancel the card. Chase filed two claims one for {$810.00} and one for {$1600.00} the next couple of days Chase denied my claim saying that I authorize somehow the transactions, even though I wasnt there, they said that the card and pin was used, thats impossible because I still have the physical card and I never gave my pin number away. at this time they refused to reverse any of the charges and they said theres nothing they can do about it even though I have zero protection liability with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I deposited a Wells Fargo check at XXXX XXXX XXXX XXXX into my checking account. It was a reimbursement for XXXX XXXX  because I paid off my car early. The check was returned to Wells Fargo. XXXX XXXX XXXX XXXX  confirmed that it was sent back. Wells Fargo claims the check was processed and not returned. I showed them proof with my XXXX XXXX XXXX bank statement. I put in a complaint with Wells. They stand by their claim that the check was processed. They stole money from me.

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 2023-08-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX I deposited a cashiers check at Chase Bank for XXXX. 

On XX/XX/XXXX I called to see if it cleared and the hold could be lifted. Was told no, because the maker of the check had bounced checks recently. 

I asked if I should call XXXX XXXX XXXX XXXX to make sure funds were good since I released my boat and all legal paperwork to the buyer when I received a cashiers check. 
Was told there was no need to contact them because it was just a Chase Bank hold. 

On XX/XX/XXXX I learn that a stop payment had been placed and the cashiers check was returned. 

I've been unable to reach the buyer, I can't talk to anyone at XXXX XXXX XXXX XXXX when I call their customer service number. 

The only reason I released my boat is because I received a cashiers check via XXXX and my bank Chase accepted the deposit I made in the branch. 

The fact that Chase told me not to call XXXX XXXX XXXX XXXX caused me to lose 3 days that I might have been able to find the buyer. 

Now, I'm stuck with no boat and no money for my boat. 

Chase and/or XXXX XXXX XXXX XXXX need to honor their cashiers check. It's supposed to be the same as cash. How can Chase allow a stop payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello my name is XXXX XXXX and Im trying to apply for a job at XXXX and they are telling me that my social security is incorrect that it belong to somebody else which is not true I can confirm that the social security number provided belong to me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email : XXXX ). I firmly believe that this limitation was a result of an error, as I am confident that I have not violated any PayPal policies or engaged in any suspicious activities. 

I have been a loyal PayPal user and I have always strived to comply with all the terms and conditions outlined by PayPal. As an honest and law-abiding customer, it came as a shock to me when my account was permanently limited. 

I kindly request that PayPal re-investigates my case thoroughly to verify that no violations have occurred from my end. I assure you that there must have been a misunderstanding or misinterpretation of the account activity that led to this unfortunate situation. I am more than willing to cooperate fully with any further investigation to clear up any doubts regarding my account usage. 

My PayPal account is crucial for my daily transactions and financial operations, and I earnestly appeal for its restoration. I understand that security is of the utmost importance to PayPal, and I wholeheartedly support any measures taken to protect the platform and its users. However, in this particular case, I firmly believe that an error has been made, and I hope that you will give it a fair and unbiased reconsideration. 

I sincerely appreciate your prompt attention to this matter and the opportunity to present my case. Please do not hesitate to reach out to me if any further information is required to facilitate the investigation process. I am committed to resolving this matter and continuing to use PayPal responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX, I made a payment in the amount of XXXX XXXX  from my XXXX account to the account of XXXX XXXX XXXX XXXX opened in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX . JP Morgan Chase Bank was an intermediary bank in this chain. On XX/XX/2022, XXXX was appointed in accordance with Presidential Decree No. 
XXXX. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. Thus, I can not apply to OFAC for the license required to unlock my funds, because for this I have to enter some data and, in particular, the date when the payment was blocked. Otherwise, OFAC may not find the record of the blocked payment. On XX/XX/2022, we tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. 
Thus, I can not apply to OFAC for the license required to unlock my funds.

Company response to consumer: Closed with explanation