BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/XXXX at XXXX XXXX Contacted AMEX BLUE BIRD the call was outsourced to XXXX XXXX the XXXX fellow instructed me on what to do. I did as told and XXXX gave me online confirmation order # XXXX I was told by XXXX fellow I would received deposits within a day or so to the Bank account I gave him. On XXXX AMEX made XXXX deposits # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX Days later I deposited. I opened XXXX sub accounts and deposited over {$2000.00} dollars days later The Bank account was tampered with for abut the same money. On XXXX/XXXX/XXXX AMEX refused to allow me to take my money. They send e-mail to XXXXXXXXXXXX with my Social Security and Pay stubs via fax to XXXX. I send the data requested and waited for my money but it was never send every time I called thereafter they would tell me then send the money to US government. They never provided a government agency phone, name and or address. I recently called AMEX BLUE BIRD a staff answered in XXXX XXXX ask for my name and account number # XXXX XXXX security code XXXX exp XXXX. The Fellow said account was suspended by security but I can opened same. I said I want my money back. He said that was the fastest t way to get my money back. He placed me on whole while waiting I XXXX/research similar issues with AMEX. The stories on line were all the same AMEX keeping people money and the outsourcing country XXXX and XXXX were accused of tampering and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, we went to log into our Chase Bank accounts online, and we received an error message regarding " suspicious activity '' and were unable to access our accounts. The message stated that we needed to call the listed number for assistance. We did so immediately and were informed that Chase Bank had frozen our accounts and was " ending their relationship with us '' due to " suspicious activity ''. We were told our accounts would be closing within 10 business days ; with the understanding that we had these 10 business days, we waited a couple of days before going to our branch to withdraw our money so that a pension check we receive every month would be safely received and direct deposited. We went to our branch on XX/XX/XXXX to withdraw our money from 2 checking accounts and 1 savings account. We were denied. The branch manager and an assistant called a support department and were told there appeared to be a fraudulent payment made to one of the checking accounts. They would not disclose any other information nor the transaction details. We were also given a date of XX/XX/2022, as a date the review should have been completed and a cashier 's check would be mailed to us of the amounts in our accounts. It has now been more than 5 weeks that we have not been able to access any of those monies with no explanation. We have spent countless hours calling various departments, speaking with several bank officers who would pass us along to another officer only to be told by each one that they can not give us any information other than that " review is still being investigated '' and that they can not give us any kind of time frame as to when they will finish their review/investigation and if or when they will be releasing our money. In the first week of XXXX, we received a letter dated XX/XX/2022, from Chase Bank stating they were going to close our accounts because of either a recent transaction or that we did not provide requested information. Please note that at no time were we ever asked to provide any information this alleged fraudulent deposit. In fact, we were not given any notice at all that our accounts were in jeopardy until we went to log into our accounts online to find we had been locked out of them. 

Our life savings, pensions, IRAs, etc. are in these 3 accounts. We are asking for your assistance in this matter. 

We have been given a case number of XXXX. 

Our Chase Bank branch manager is XXXX XXXX. Her email is XXXX Sincerely, XXXX XXXX. & XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ive asked for dates of service from original place I received treatment. Three accounts have no name or account numbers. Very little information to go on. I have one bill that the Veteran Affairs is going to pay. I told them that and they still put it on my reports. I was XXXX XXXX and CBC is really getting to me. I have XXXX bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, I attempted to purchase a personalized gift card from American Express using my American Express credit card. However, when I attempted to complete the order, I got a server error message and never received formal confirmation that the order was successful. I called Amex several times that day and spoke with XXXX people for over an hour! I wanted to cancel the gift card because I was so disgusted that so few know what they are doing in customer service and each time the gift card group was attempted to be contacted, the line would disconnect or the wait time was over 10 minutes and I would get disconnected again. But American Express would not allow me to cancel because they stated the charge was pending. That I had to wait 48 hours for the transaction to go to pending to recent activity. I checked my activity online every day since and the pending amount of {$77.00} was no longer there when I checked on XXXX/XXXX/16 but it was not on my recent activity. So I was not sure what was going on. At XXXX XXXX EST I received an email from American Express stating that the gift card was shipped. But when I checked my account activity several times prior to XXXX EST and afterwards the {$77.00} charge did not appear on my activity nor pending. Proof attached. I was again angry because American Express has a terrible customer service group that is mostly outsourced. I spoke with someone at XXXX EST and I asked why I was not able to see the charge before having the ability to cancel the order? 
So they shipped the card to the recipient and when I asked about cancelling the order I was told they would do it but then the recipient would receive a card with no funds. It is absolutely ridiculous. How could I cancel an order and have a gift card sent to someone without any funds? What is illogical to me is that if I order something online from a large department store, I have the ability to cancel the order within 30 minutes of the transaction. 
But I ordered something from American Express and they would not allow me to cancel the transaction before being approved. So in my view, what Amex just did is not within normal standards and I was never given the proper opportunity to cancel the gift card before it officially appeared on my activity. They basically cornered me and I felt forced to leave the charge as is because I could not in good conscience have them ship a card to someone without any funds. This is n't proper procedure in my view and I find it a violation of ethical and regulatory standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting a public record judgment on my credit report which is in error. 
I sent a copy of court records, which the court clearly states that the judgment is in error. 
Instead of removing the judgment from my report, Equifax changes the status to " paid and released ''. I suspect they did not even read my letter nor read the case documents which I included. What kind of 'investigation ' did Equifax conduct, and how and to whom did they conduct this? They claim to have investigated this with the XXXX XXXX Courthouse, which does not maintain the records on this case anymore. This public record, is preventing me from purchasing a home, and causing great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Multiple hard inquiries with several online credit companies made recently. I was contacted by several companies at which I discovered my identity was stolen and froze my credit with the XXXX major credit bureaus. This has cost me a great deal of heartache as I was unable to get a line of credit needed for business due to my XXXX XXXX. XXXX of my credit cards have accumulated small balances of less than {$1000.00} after it seems the person went on a shopping spree.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2021 XXXX XXXX XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: AMCOL Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill in the mail for a medical debt. this debit was paid. I sent a letter to the collection agency to send me a itemized bill with all the breakdowns of this debt. I sent a letter back within 5 days of receiving the bill asking for all the medical proceeders that were done. I never heard from the collection agency. it has been 90 days from receiving. now on my credit account it shows up as a open collection. just on XXXX and not on XXXX. what I would like is to have your complaint department to look in to this and if you can have it removed from my credit account. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Originally called and reported some fraud charges on my Chase Debit Card on XX/XX/XXXX. Reported charges that I was able to see at that moment and told them if I found anymore I would call back and let them know so they can help me out with the fraudulent charges I had been experiencing. 
They agreed that those charges were not on my behalf and authorized the funds back since I didnt make those transactions. They closed the card out and replaced it with a new and everything was fine. I finally had time to look at previous bank statements and noticed some more charges from XXXX and XXXX and called to Report those charges to the original claim that was made on XX/XX/XXXX. Again, those disputed charges were reversed and they agreed that it wasnt authorized on my behalf. Now in XXXX, I called because I had time to review statements from back in XXXX and they helped submit a claim for those charges. Well now they state that those charges in XXXX were outside the 60 day window to dispute charges and wasnt originally attached to the XXXX Claim and they took away all the settled fraud disputes after they were already acknowledged to not have been made by myself. I called and spoke to a supervisor who said that unfortunately when they submitted the XXXX charges in XXXX it removed all the settled claims from my bank account since they stated that the XXXX Charges werent made past the 60day rule and that there was nothing they can do. I just dont understand how they didnt tell me this upfront when submitting the claim in XXXX that it can affect the original claim that was already approved from XXXX. Really disappointed and extremely upset and how there is not clear upfront explanation. They have now left my account owing thousands of dollars and with not help insight where I can submit my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
During the pandemic I decided to open up a XXXX account. I decided that I would use coinbase since it is was a publicly traded company and the largest in the industry. When I signed up for the account they offered a wallet to store my funds. I figured since I was using them to buy crypto it would only make sense for me to use there wallet for security reasons. Over the last 2 years I been buying crypto and moving the funds to my Coinbase wallet until just recently when I upgraded my new iphone. When I recently went into the wallet I noticed that the app had been updated and it was not allowing me to login like I used to. It was now asking for a 12 word phrase which I do not recall ever getting and that I needed to retrieve from my icloud backup. When I did that it give me a 12 letter password that I use for most of my logins for other things. However, Coinbase wallet said it was incorrect. When I contacted Customer Support they claim that they dont support the wallet and if I do not have the 12 letter phrase I would lose all the money in the wallet which I estimate is {$12000.00}. I don't understand how this is possible especially for the least sophisticated crypto user. It seems criminal to me that I can be out all this money because they updated their app or I updated my phone. I don't know which of the 2 reasons is true. Maybe both. I really need help with this I can not afford this money that I invested. When I went online it seems that many people have experienced this exact issue with coinbase wallet. Now peoples hard earned money is floating around in the crypto universe. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Contacted Company on XXXX XXXX to inform them my information is incorrect. Name and Address on my license should match my credit profile.

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 2016-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have worked with Equifax for over a year to try and get my credit score from them. I signed up for the {$29.00} a month service to pull my credit and every time I have tried since XXXX XXXX of 2015 it fails. They have also not supplied my credit files companies and cost me buying a boat this XXXX. I have called, faxed, email literately over 100 times. I always get the standard answer " we have to escalate your problem and it will take 7-10 days '' no one ever contacts me and it never fixes anything. They are saying my credit file is too big but I have never had a problem with the other XXXX bureaus. I am hiring a lawyer next being I am being held hostage from seeing my credit and I paying a monthly fee not to see which really sucks! I am attaching a few of the XXXX emails I have to and from them in the last year for proof. Remember this is less then 5 % of the failed emails and case numbers. I have outstanding credit and I being punished for some reason unknown to me by Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
this is reguarding a open complaint # XXXX if clam that be thet they are having trouble to conform my identity. its been wellover XXXX scence my first dispute correct my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i reached out to you and you refused to removed my old address from my consumer credit report which goes against 15 USC 1681 as it clearly the states the important of maximum possible accuracy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 




You are reporting wrong personal information on my consumer credit report such as my address I ONLY HAVE 1 address which is my current address.listed on my Consumer Credit Report ALL OLD ADDRESS SHOULD BE REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I pulled my XXXX XXXX Credit report on XX/XX/XXXX. I noticed there are XXXX inquiries by the company " Transworld Systems INC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no trades to justify the inquiries. Not only does that bring down my credit score it makes it harder for me to gain employment, I also fear it make be my ex boyfriend trying to locate me, he is a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
XXXX XX/XX/2022 logged into online 5th3rd account noted obviously altered check # XXXX ( payee line scrawled over XXXX XXXX XXXXXXXX to XXXX XXXX XXXX ) with improper endorsement had been cashed at XXXX XXXX XXXXXXXX and paid by 5th3rd in the amount of {$4200.00}. Immediately called both banks customer service lines several times that evening, and filed police report. XXXX. XX/XX/2022 filed 1st of 3 fraud packets at 5th3rd branch subsequently have been mailed 3 more : 2 by 5th3rd ( I filled out 1 more ) ; 1 by XXXX, which were filled out and notarized. Also opened investigation with USPS. Originals and copies were promptly submitted via fax, hand delivered to respective branches, mailed via USPS registered delivery and XXXX. As an aside, on XX/XX/2022, 5th3rd paid check XXXX again for {$4200.00}. This time a check had been " created '' and my signature had been forged. Calls to 5th3rd resulted in restoration of these funds 24 hours later. XX/XX/2022 opened new 5th3rd checking account overworked employee ordered checks with old account number, had to be reordered not delivered until today. To date, have been shuffled between 5th3rd Collections and Disputes and contacted both banks at least 50 times, but my {$4200.00} has not been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is alleging that more information is needed by them, a private company, than is required by the law that regulates fraudulent activity on consumer reports. As the consumer I have alleged that my rights have been violated and that I am a victim of identify theft. I have provided all four necessary documents to assert this claim by the law. According to 15 U.S. Code section 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Experian is claiming I need more for their private company to assert my rights as a consumer than what is required by consumer law. This is a clear violation of my rights.

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