BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Other

Complaint:
My case is regarding the auto rental collision damage waiver provided with a XXXX card. I rented a vehicle, accepting a partial waiver to cover deductible costs, termed a partial LDW XXXX loss damage waiver ), which covers {$500.00} worth of damage. I had an accident with a deer that caused the total loss of the vehicle, around {$10000.00}. XXXX benefits is denying the claim, stating that I did not decline the collision damage waiver. The benefit information states clearly that " XXXX is secondary coverage which means that it supplements and applies in excess of, any valid and collectible insurance or reimbursement from any source. '' The benefit information also states that " if you accept the collision damage waiver offered by the rental company, you will not be eligible for XXXX. '' However, I did not accept a collision damage waiver, it was a partial coverage meant to cover deductables. Given the text that this benefit is supposted to apply in excess of insurance " from any source '' I believe I should still be covered, but despite an appeal Visa is still denying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit card got unauthorized use about {$1800.00} on XXXX/XXXX/16 and I found it by myself at the end of XXXX. It looked a typical fraud case through non existing website and described as I spend purchasing a service, not products. Normally, this kind of suspicious spending is found by credit card company by monitoring my usage but they did not. I called the credit card company to dispute the amount and once they credited the amount. But after a month later, they reapplied the amount to me after their investigation. I do n't understand the result. Because initial purchasing was done in Florida and credit card transaction was done though a processing company in XXXX XXXX. They gave me a report to show purchasing IP address but it was not mine and even not in XXXX XXXX where I live/work in. A couple of days later from I received the report from the credit card company, I received a letter from XXXX, a computer company. I have purchased a tablet through their official online shop. They said that they had been hacked ( attacked ) by a third party and lost customers information including credit card numbers, addresses names etc. I used that credit card to purchase and the date of purchase was impact exactly XXXX got attacked. I have written a letter to explain the situation to the credit card company attached XXXX letter and asked again to dispute the amount they reapplied. It has been more than a month but the credit card company does not reply me and they keep quiet but putting the amount on my account with APR. I have paid the amount I spent but I have not paid the amount unauthorized use because it is not my responsibility. I am 100 % innocent, I have never used that big amount though internet. Now I have no idea what I should do and who I can ask to help or resolve this problem. I really need your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
I have a deferred transfer balance which is due XXXX 2016, with no interest due until expiration of the deferral period. Howver, Chase is charfing me interest on new purchases, even though I pay those charges by the due date. They say that carrying a deferred transfer balance causes interest to be due on new purchases until the deferred balance is paid off, even though it is not due until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was told by my bank that if I paid a higher rate, my PMI will be included inside the loan and I would not have to pay a PMI. I am seeing PMI payments on my mortage account for approx. XXXX This was n't suppose to be there. The bank lied to me by using depective practices to give me a higher rate. My rate was suppose to be 3.625 with lender paid PMI but I was given at closing 4.625 instead. I questioned the rate during the entire mortgage process but I was told its an estimate and it will be updated before closing. I raised this issue at closing again, but I was told to go ahead with the closing otherwise I will lose my money on deposit and other money I paid for the house such as inspections and etc. 

Also, I have requested several times from the bank to see the original loan documents, but the bank says they lost the original documents and can only provide copies. I believe my documents were altered and at closing I was told they will fix it but the bank never fixed it. I was also told I did n't have to escrow my account. But now the bank refuses to remove the escrow and wants me to send them more money to remove it. 

I have been asking the bank to show me any disclosures documents. Bank did n't provide any disclosures to me during loan process. All I got was a surprise at closing. 

I spoke with Wells Fargo while writing this letter. I spoke with Wells Fargo Representatives at XXXX at approx for about an hour more or less. I spoke with XXXX Supervisor in Loan department and she saw the Settlement Statement ( HUD-1 ) and says she sees my complaint is valid. HUD Statement Page XXXX ( Attached ) clearly shows the issue at hand. 
XXXX stated she has to escalate this issue since my complaint is valid, I was transferred to Office of the President and I talked to XXXX XXXX. She went over the complaint again and said someone from the retail divison will get back to me within 48 Hours. 

I have been reaching out the Wells Fargo for well over 2 years now and I have zero faith they will do anything about this issue and they keep giving me the run around.

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 2022-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a Credit Card with Capital One XX/XX/XXXX. I fell behind on the payments but I paid off the debt I owed XX/XX/XXXX. It is still showing up on my credit report as a closed account and is the reason XXXX cant get any credit. I would like it removed from my credit report please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: CarMax, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Laid off, and they have no plans to lower payments, ,and they keep adding late fees,, when a person notifies a place that they lost there job, you should automatically be put on a reduced payment plan, ,with no late fees or, other charges, There are 2 accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, Equifax and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. 

XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I had an account with Paypal and was using it to handle some online transactions involving our website. I had a balance of {$920.00} USD in my account and suddenly one day my account funds were frozen. Around late XXXX, Paypal claimed that I violated their Acceptable User Policy and as a penalty froze my money for which they said would be for 180 days. On XX/XX/XXXX Paypal completely withdrew all of my funds and kept it for themselves. The Paypal transaction ID is XXXX I tried to contact them multiple times over the next couple years to recovery my funds but rather than let me explain that there was no violation of any Acceptable User Policy, they refused to hear my situation and kept rejecting my requests for the account funds to be rightfully returned to me. 

They claimed that I sold adult content using their platform. However, what I sold was just online VIP membership upgrades via the chat software we use on various websites throughout the internet. There was absolutely no adult content being sold. 

I tried to explain this through multiple channels and reached out to various departments but the rejected me each and everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX, Exquifax and XXXX  are not giving my Credit Score when request to do so. I applied for Car loan and I received letter of rejection stating my Credit Score wasn't available. I want an investigation into all three Credit Reporting Agencies. I feel I am Being Discriminated against because I am XXXX American.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I must start by saying this has nothing to do with my current mortgage. I 'm submitting this claim regarding my Home Equity Line of Credit. I know when I filed with Wells Fargo, to assume the mortgage note, I also filed to assume the Home Equity Line of Credit also as this was made knowledgeable me. The Equity Line of Credit was included but is not being acknowledged by Wells Fargo as of date. I filed chapter XXXX bankruptcy with the United States Bankruptcy court ( case number XXXX ) XXXX of 2013. Throughout the case, I 've received numerous correspondences regarding any adjustments to payment for which I 've have complied. I 've contacted my bankruptcy lawyer whom stated we did not file/ or included the Home Equity Line of Credit in the payment and that we needed to file which again will cost {$1800.00}. I 've also contacted Wells Fargo and to no avail I 'm back at square one. The Bankruptcy court documents states otherwise. In addition to this, my Home Equity Line of Credit statements which I 've been paying for, still has my ex-husbands name on the statements and it has been going to my ex-husbands address XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. But I 'm still paying for it. Changes have been made to my mortgage but not in its entirety regarding the equity line of credit.

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 2022-07-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted on many occasions to have this debt deleted. FAIR COLLECTIONS & OUTSOURCING hast two debts listed on my credit report. I asked this company to verify this was my debt and they did not verify all of the requested information nor did they respond in a timely manner. I want both of these debts deleted from my credit files. I asked this company to forward details about their authority to collect this debt, whether they were licensed in my state and if so to provide the date of the license, name of the license, license number, and the name of the state agency issuing the license. They also provided my mailing address as XXXX XXXX XXXX XXXX MD. I have no idea whose address this is. I sent a certified copy of the correspondence the documented date they responded was the year XXXX. I want this information removed from my report immediately and I don't want them to have the ability to ever report it again. I am trying to get a personal loan for consolidation and this collection continues to hinder me from getting the loan.

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 2022-07-23
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:
I sent my letter off on XXXX the XXXX I told the credit bureau to investigate every piece of information on the accounts I have listed below. 

XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX The company contacted me and sent me back a copy of my credit report saying that the account were verified But how are they verified and up-to-date when it shows that the last date they were Investigated or verified were in 2019. This means that the company did not do as I wished and investigate these accounts that I have questions about And their accuracy which is still a question to me. Since the company did not investigate these accounts within the 30 day. As stated by law this this is a violation. I feel offended and that they have insulted my intelligence by telling me that they did something when it shows in the report that they sent me That I have attached below as well that they did not do anything.

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 2015-11-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter in the ail from XXXX XXXX XXXX XXXX account ending in XXXX to collect on an old Chase debt, Acct-ending in XXXX. I called XXXX and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a chase account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a chase account for credit and also I did n't want him or his company contacting me further due to a debt I never had. He told me he would start dispute and to file police report and submit letter. I told him I would submit letter but this debt is n't mine and he did n't give me any info to file a police report except the year this account was opened no further info to file proper police report. I wrote letter and told company not to contact me further that this debt was n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The address, XXXX XXXX XXXX XXXX ; XXXX, Alabama XXXX is incorrect. I have never resided at this address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
problem with security freeze. I am trying to refinance with XXXX XXXXf XXXX XXXX, they have attempted to get my report several times and can not. after repeated phone calls and internet. the problem is with Experian. there agents tell me there is not a freeze but there is .they check and can not find problem. sent letter and responded dated XXXX does not display a freeze. after and hours put twice on hold for to speak to a supervisor with no response. they are the worst company to deal withXXXX XXXX XXXX XXXX had same problem in XXXX of XX/XX/XXXX. .experian dose not or will not fix the problem was told 3 weeks ago they would send problem to there it department, still no response. still waiting for call back from supervisor XXXX. one agent found that part of there system showed a freeze but other areas do not. this problem is causing XXXX  and not able to get refinanced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: U.S. BANCORP
State: ME
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened a Relia Card when I got it in the mail, thinking it might be the only way to receive unemployment from Maine. When I figured out I was wrong, I tried to call Relia Card or by online close my card. You can't do it online, in fact, my login won't work after I set it up, and it says you have to call, but no matter how many times you do, you can't get a person on the number to do so, and the quality of that waiting call is so XXXX  you can't even understand the recorded message very well. I have no way to close this card, and it says I will be fined monthly for inactivity by the paperwork. I don't want this card at all. When the automated voice comes up, too, asking for the account, it asks for dates, which I put in correctly and it just repeats itself over and over claiming I'm entering the wrong numbers or there is no such account.

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 2022-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
XX/XX/22 Ordered XXXX XXXXXXXX XXXX on XXXX. 
XXXX Order # XXXX. 
XX/XX/22 XXXX charged {$280.00} to my Capitol One account. 
XX/XX/22 Seller placed springs  ( 34 lbs of steel ) into a single layer cardboard box for shipping. 
XXXX XXXX # XXXX. 
XX/XX/22 XXXX XXXX placed an empty torn up box near my front door. 
XXXX was contacted, representative was in another country and very difficult to communicate with. 
XXXX  Claim # XXXX. 
XXXX was contacted. They said they will contact seller. 
XX/XX/22 left on a trip for 18 days, I had limited access to email and phone. 
Contact to Seller is only through XXXX, Seller said they would refund the purchase when I return the item, I never received the item. 
XXXX said they lost the item and closed the claim, they said the shipper would need to file a claim, they provided no written information, only verbal. 
XX/XX/22 XXXX was contacted again they opened a case. 
XXXX XXXX # XXXX. 
XX/XX/22 Capitol One credited the {$270.00} charge. 
XX/XX/22 returned home after being away for 18 days. 
XX/XX/22 XXXX closed the case because I did not return the item, I never received the item. 
XX/XX/22 Capitol One Reinstated the {$280.00} charge. 
XX/XX/22 Copies of all the information I have was submitted to Capitol One. 
Capitol One XXXX # XXXX. 
XX/XX/22 Capitol One credited the {$280.00} charge. 
XX/XX/22 Capitol One reinstated the {$280.00} charge, they said XXXX told them that I received the items in good condition. 
Please note the screenshot from XXXX stating that I received an empty box and the seller should reply. 
XX/XX/22 Capitol One was contacted, they said I need to resubmit the letter that I already sent on XX/XX/22 and I did. 
XX/XX/22 Capitol One Denied the claim. 
XX/XX/22 Contacted Overseas Capitol One Customer support and was told I had not supplied the necessary documents. They could not stay what was missing. I asked to speak to someone else and a Supervisor said that since there was no written proof that XXXX lost the parts, Capitol One could not do anything. 
XX/XX/22 Contacted XXXX and was told that since I filed a claim with Capitol One, XXXX could not do anything. 
XX/XX/22 Contacted Overseas Capitol One Customer Support and asked to speak with American Customer Support. American said to re-submit everything and American support would take a look. 
XX/XX/22 Capitol One Denied claim again because it was more than 60 days past the transaction. 
I have given up on getting any help from XXXX. 
I have given up on getting any help from XXXX. 
I have given up on getting any help from Capitol One. 
I do not understand why I am being charged for something I did not receive. 
Thank You.

Company response to consumer: Closed with monetary relief