BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: U.S. BANCORP
State: WA
Product: Credit 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:
On XX/XX/2023, I received a notification about possibly fraudulent activity on my US Bank credit card. I immediately called US Bank and shut the card down, and reviewed transactions which had been made that day. The first fraudulently made charge was at a XXXX, and there were several others that did not go through. Two fraudulent transactions did go through- one for {$36.00} at the same XXXX XXXX and one for {$80.00} at a XXXX XXXX and XXXX XXXX . US Bank is refusing to nullify these fraudulent transactions, as they show them as being made using the chip on my credit card.

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 monetary relief
Consumer complaint received 2023-11-19
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am a Paypal customer with email address XXXX PayPal locked my account 26 days ago and asked for certain information and documents to unlock which I have provided but they have not unlocked my account.

I want PayPal to fix things right for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I originally had a savings, a checking, and a credit card account with XXXX. When they ceased operation and the accounts were transferred to Citizens Bank on XX/XX/XXXX, soon after that I contacted Citizens and closed my savings and checking accounts. I never received a new credit card from Citizens Bank. I'd moved on to use other bank and credit card. 

On XX/XX/XXXX, there was a {$10.00} fraudulent overseas transaction on my Citizens credit card, I did not notice the transaction until XXXX, when Citizens notified me by mail the balance was overdue. I contacted customer service at Citizens on or about XX/XX/XXXX and the representative put the card on hold, and requested I speak to " fraud department '' to remove the transaction. However no one answered after a 40 minute wait. 

On XX/XX/XXXX, I contacted Citizens again. I spoke to a customer representative about the fraudulent activity and again was transferred to the " fraud department ''. No one came to answer after an hour wait time. 

I wish to have the issue resolved and my Citizens credit card be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and associated details are not reported on my consumer report, as their inclusion violates both the FDCPA and FCRA. I insist that you take immediate action to delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. Please proceed with the removal of these accounts and information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/2023 I processed a transaction and had a contract that was established using my SSN as credit approval for the contract that was together. I asked for my right to recession paperwork and was told that they did not have anymore.I was told I had to put a downpayment which violates 15 USC1662 when a down payment is not needed when you use my SSN 15 USC 1602 ( l ) which is a credit card. I was also told that I had no choice but to get insurance 15 USC 1605 ( b XXXX  which establishes there is insurance on the car. XX/XX/2023 I established my security with a XXXX File Number : XXXX XX/XX/2023 I sent off the paperwork to revoke XXXX, Right to Rescind, and affidavit Sent off the same information in a pack to the registered agent and in this pack was an affidavit, Right to rescind, Revoking a power of attorney, and a bill of exchange along with an explanatory statement and a XXXX statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Bank of America stated that all my accounts were under auto payments. I have 13 accounts and payments every month were unwieldy given the banks set up. Unbeknownst to me they canceled card with no explanation. I believe the banks acts to be discriminatory. I asked for a complaint form and they said they filed one on my behalf. I asked for a copy of it and they refused to produce it. I believe that this bank is not far behind XXXX XXXX and needs to be fully investigated for detrimental practices to small businesses and consumers. 


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 2023-05-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone was about to get in my savings account and deposit out multiple transactions in the amount of {$80.00} 16 times. I got in contact with chase bank and filed a claim and they denied me saying they could not find any evidence that my account being tampered with and then told me the transactions was made using my phone. I asked what do I need to do to get my money back they told me to file police report. I filed a police report and fax it to the claim team and they told me they never received it. I fax it over again and when they finally received it they denied it. I asked about sending my bank statements and they said they did not accept those. I asked the person well what I can do and that I was even at work when these transactions was made and he told me to get my clock in logs to show I was at work during the time. I finally got ahold of those from my job and sent them over and now they denied those saying that's not enough evidence to reopen my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I used the bill pay feature on my checking account. I set up the bill pay by entering the name of the institution ( XXXX XXXX XXXX ), the address, the phone number and the account number. I sent {$700.00} for a car loan. On XX/XX/XXXX XXXX XXXXXXXX XXXX reached out to let us know that they had not received our payment even though is had posted on XX/XX/XXXX as sent. We thought that maybe it needed more time but they called again on XX/XX/XXXX and we asked out bank for proof that the transaction had occurred. They sent the proof of transaction to us and we shared that information with XXXX XXXX XXXX. They noticed that the correct routing number was not used. The routing number that was used was to XXXX XXXX XXXX in Missouri. We call Capital One and filed a claim. It was denied and they stated that they dis as we instructed and sent the payment. We spent hours talking to supervisors at Capital One and filed an appeal with their notes and again it was denied today. We call again and were told that we need to find the money ourselves and that there is nothing they can do to help us. When we filled out the information for the bill pay we were not asked for a routing number, it was automatically generated by the bank and was sent to the incorrect institution. There was not an error on our part and the bank is refusing to help recover our money that they sent to the wrong institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I enrolled in the online banking succesfully, but when I go into I cant see my checking account. Is like my account wasnt linked to my profile. 
My user id is XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I have an issue with the New York State department of child support. It has been on my account since XXXX and was showing in collections and the early XXXX until now every time I try to dispute it to have it removed. It gets pushed back further and further, as far as removal dates, this has been an ongoing issue and its making me live a poor quality of life due to not being able to get credit cards and financing mean home loans at affordable rates.

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 2023-05-31
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Back in XXXX, my original CashApp, XXXX XXXXXXXX, was closed for violating terms of service. I used both live chat and phone call support lines to attempt to resolve. Both support agents told me they had no additional information, and I would receive a follow-up call or email from the escalation team in order to attempt to recover my account. No follow-ups ever occurred. I made a new cashapp, XXXX XXXX, in XXXX. I have a CashApp card and I use it regularly. Today, XX/XX/2023, between me buying lunch at XXXX ( EST ) and attempting to add funds to make a purchase at XXXX XXXX XXXX XXXX, my account was once again arbitrarily closed with a generic response of youve violated the terms of service. After reviewing the terms of service again, I do not see where I violated the terms. I contacted live chat and phone support simultaneously. Live chat stated they escalated the issue once again. The phone support stated they could escalate the issue, but I explained the issue was never resolved with my previous account and asked them to please transfer me to a manager. I waited in hold, and they returned after an extended period of time to tell me that there was no manager available and I could continue to hold or I could allow them to email it. I confirmed my email, again lamented that no one ever followed up on my previous account, and allowed them to escalate the issue once more. CashApp is a convenient tool, one of which I enjoy using, but after having two accounts arbitrarily closed Im extremely disheartened. The support system and channels available are not conducive to an actual resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act : The list of accounts provided below has infringed upon my federally protected consumer rights regarding privacy and confidentiality, as outlined in 15 USC 1681. 

The following account, identified as XXXX XXXX account number # XXXX, and XXXX account number XXXX has violated my rights. 

Section 602A of 15 U.S.C. 1681 confirms my entitlement to privacy.

Furthermore, in accordance with Section 604A, Section 2 of 15 U.S.C. 1681, it is explicitly stated that a consumer reporting agency is prohibited from furnishing an account without my written instructions.

Additionally, as per Section 5 of 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency is allowed to include certain types of information in a consumer report, except for records of convictions of crimes that occurred more than seven years before the report.

Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is mandated that no individual should provide information related to a consumer to any consumer reporting agency if they possess knowledge or reasonable cause to believe that the information is inaccurate.

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 2023-08-05
Company: EQUIFAX, INC.
State: MI
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:
To Whom It XXXX Concern : I am submitting an urgent complaint that requires the CFPB 's immediate priority assistance. Equifax has failed to resolve my credit reporting dispute despite four attempts over several months. 

Equifax continues refusing to provide mandatory investigative documentation related to a demonstrably fraudulent charge-off from XXXX XXXX ( Account # XXXX ), in violation of Section 611 of the FCRA. 

This false information is blocking my approved federal financial aid to attend college this year. The fall semester starts on XX/XX/2023 and I must accept my student loans by XX/XX/XXXX. 

However, Equifax refuses to produce the required reinvestigation records validating the account, which is my right as the disputing consumer under federal law. 

I implore the CFPB to take swift action to compel Equifax to provide the documentation immediately and resolve this unlawful obstruction of my dispute rights. Equifax must comply no later than XX/XX/2023 to avoid irrevocable harm to my education and future opportunities. 

Please contact me as soon as possible by phone at XXXX or email at XXXX to advise next urgent steps your office can take to enforce fair credit reporting protections. I am available anytime and happy to quickly provide any evidence required. 

Thank you in advance for your prompt assistance. 

Best, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request to dispute inaccurate information in my credit file and 3 Credit Bureaus ignoring my letters because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! there is no other than filling my complaint, Im the who filling this, I seeking a assistance to delete the inacuracies in my credit report. The items listed below are fraudulent and must investigate and delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Representative released information about account of mine that was sent to collections. I had not spoken with this company and was not aware was in collections. They called my husband 's number and released information without verifying his name or who he was and the account was only in my name. Per the FDCPA this is third party disclosure and I will be contacting an attorney. Call was received on XX/XX/2020 on phone number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX a savings account was opened at Wells Fargo Bank on XXXX XXXX XXXX  XXXX Arizona. A cashiers check was deposited in the amount of {$140000.00}. The purpose of opening the account was to pay taxes owed in XXXX. This was explained to the Branch manager who made the funds available. On XXXX XXXX a wire of money was attempted to the XXXX Government account. Wells Fargo fraud security department notified us that our account was frozen, we were not worthy customers and they would close the account on XX/XX/2023. I have contacted the following people at the Fraud Department of Wells Fargo. XXXX, XXXX, XXXX and XXXX all within a few days of receiving the letter. Note that no employee would give a last name or employee ID number. I then filed a consumer complaint with the AG office of Arizona. An individual named XXXX XXXX contacted me and stated he was assigned the case and would assist to remedy. XXXX XXXX ( Executive Office Case Specialist ). XX/XX/2023 he sent an email stating it would be 10 days to research this complaint. I contacted him by phone and explained the need of the monies to be released to pay taxes due. Once he became involved Wells Fargo Fraud unit then advised me that they were now holding the funds until XX/XX/2023 because I might put a stop payment on the check they had already cashed. This is obviously retribution by the Wells Fargo Bank Fraud Department for filing a complaint. Thus in turn the employees who have been involved are themselves committing fraud and need to be held accountable.

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 2023-05-31
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I spoke with a representative in regards to my recent payment. In which, I told him I could make payments this month. However, When I explained to him we would need to further discuss issues arising of me making future payments. Due to me going on maternity leave and I wouldnt have any money coming in. He got quiet and stated there wasnt anything he could do to assist me with that. I asked to speak with a supervisor or a higher superior to discuss this matter. He then placed me on hold without telling me to hold on! I stayed on hold for five minutes listening to company music and never heard back from the representative its like he left me on hold hoping I would hang up. He was rude and got disgruntled when I asked about any programs to assist me while I will be out of work. I dont know how a company can not understand you will not be receiving incoming money like usual. This is not the emotional stress a person need during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: TX
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 have been contacting Equifax for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report 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, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!

Company response to consumer: Closed with non-monetary relief