BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
Recently, Chase increased my purchase rate by 2 %. I pay on time and always more than the minimum amount. Upon contacting Chase they blamed the increase on government regulation and an increase in the prime to 3.5 %. I 've had this card for years and a prime increase or decrease never affected my rate. Chase 's only resolution was that I could close the account. The rate should not change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Information belongs to someone else account information is incorrect account statuses are incorrect personal information is incorrect old information reappears and never goes away inquiries were not approved by 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 2019-10-29
Company: Synovus Bank
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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: Old information reappears or never goes away

Complaint:
I have XXXX XXXX XXXX XXXX XXXX and never had a school loans and department store credi i use XXXX XXXX XXXX  XXXX stolen my records social security number and XXXX XXXX they ping my phone and I want it to stop I have people tap my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CNG HOLDINGS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 for XXXX from XXXX XXXX XXXX from original creditor Temple LLC I called let them know it wasn't my debt and it's still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: DISCOVER BANK
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover violated their arbitration clause. Discover put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by  XXXX .     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX  on behalf of Discover Bank filed a claim in Small Claims Court against me for approximately {$3500.00}.  XXXX   XXXX   XXXX  hired local attorneys  XXXX  and  XXXX  to represent Discover Bank.      XX/XX/XXXX , I filed  a Motion to compel Arbitration.       XX/XX/XXXX , t he Court Ruled. Ru ling states, Arbitration filed with   XXXX   ( #  XXXX   ) ;  Matter continued indefinitely in order for Arbitration process to complete. Documentation attached.      XX/XX/XXXX ,  Counsel for Discover fi les a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on  XX/XX/XXXX .     On or about  XX/XX/XXXX , I received a letter from  XXXX    XXXX    XXXX   c/o Discover st ating their client may be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. ''  XX/XX/XXXX ,  XXXX  closed the case. Case terminated because Discover failed to pay and participate in Arbitration.      XX/XX/XXXX , a  Motion for Joint Stipulation for  Substitution  of Counsel wa s filed.  XXXX   XXXX   XXXX  was no longer representing Discover and  XXXX   XXXX   XXXX .     Year Later,  XX/XX/XXXX ,  XXXX   XXXX   XXXX  files a motion to return case to active docket.    XXXX   XXXX   XXXX  KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT.    XXXX  states, As of  XX/XX/XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the  Arbitration Forum (   XXXX   ).      THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM  XXXX .   Th e Plaintiff ( Respondent ) who is Discover fai led to pay case management fee.  XXXX  sent the counsel for Discover several letters requesting payment but they failed to respond.      XX/XX/XXXX , Court dismisses case without prejudice. Judge writes the following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial.      XX/XX/XXXX ,  XXXX   XXXX   XXXX   c/o Discover file s a motion to vacate dismissal to refile a new arbitration case since the first one cant be re-opened.      XXXX   XXXX   XXXX   c/o Discover fail ed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Took out a homeowner 's loan in the amount of {$110000.00}, in XXXX with Fifth Third Bank of XXXX, Ohio. At the time, the company advised that I would be paying PMI due to the loan amount being more than 80 % of the property value. In part, this was due to the housing market crash. Before the crash the property was valued at greater than {$130000.00} by Fifth Third Mortgage on XX/XX/XXXX. I have the original property evaluation. They told me today that my property is only worth {$100000.00} and since I owe them {$100000.00} I will never get out from under the PMI, since I now owe over 100 % of the property value. They said that, no kidding ....!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I contacted the capital accounts llc company as it Related to negative Mark on my XXXX profile. Spoke to representative who advised me of balance and once paid, that on XX/XX/2020, it will be removed from its repository deleting it from my XXXX account. The debt amount of {$350.00} was paid in full. The representative was advised to send letter on company letter head as well. The negative entry still reflects on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX I went on-line to my statement to see if my bills had been paid, but then I see that some transaction was on there that I did n't make. I then contact XXXX American Express company to inform them about the matter. He told me that if I see any more transaction that I did not make to contact them back. I went on-line the next day and found XXXX more transactions from XXXX XXXX that I did not authorized and another XXXX from XXXX, but when I went back to the website my account had been closed. I called the bank and ask what was going on and they said that they had suspended my account due fact that I had broke one of their terms. I did n't understand what they was talking about and they said that I was one that made the transactions. XXXX XXXX was XXXX of the transaction on my account that I did not approved and then I called XXXX XXXX to find out who might have purchased the ticket that was on my account and they told me that it was not me plus they where going to admittedly start an investigation on the transaction that was done in my name then take legal action. After that I call Serve back to let them know that information that they had given me was wrong. They told me that XXXX XXXX told them that I made the transaction of buying a ticket to see a concert and to me that they was saying that I committed fraud. They kept saying that I was the one that had made the transaction which was not true. The next day I went to my police department In XXXX Ma. and file for identity theft. I immediately faxed over my papers. They told in about one week my case should be settled but it was n't. Then they told by the following Thursday it would be done once again not finished. I got tried and threaten them that I was going to bank commissioner and I have n't heard from them since. That is why I 'm filing a complaint. My bill are all over the place I ca n't pay my rent because the social security was sent to my the old account.and now I have to wait for social security to get it back. Then send it to my new account which I 'm still wait for its card because of all business with XXXX and American Express. I have my credit card companies calling for payment and now I have late fees add on top of that. XXXX and American Express have made my life a living XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On Monday XX/XX/2020, I attempted to complete a international money transfer to a family member utilizing MoneyGram. 

Transaction value : {$60.00} USD The transfer destination is XXXX, I am XXXX as well. I have previously sent a number of transfers to the specific recipient prior. Upon trying to conclude the transaction, I was given a vague error stating that " I can not complete the transaction online, in-store or over the phone ''. 

I reached out the customer service who proceeded to tell me that I was blacklisted/banned from using the service. The representative refused to provide any details on why this occurred. 

I have filed a customer service case with MoneyGram XXXX Case # XXXX XXXX. They have not responded to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian improperly charged me {$24.00} for one month with the promise of charging each month for their stupid Premium membership. I was charged on XX/XX/2021. 
The initial purpose of my contact with this scum, was to lift a security lock in order to open a business checking 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 explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX   XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX  # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-10-20
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My name is XXXX XXXX. I am making this complaint because I opened a bluebird prepaid account with the intent of having Unemployment funds direct deposited into the account. I waited 2 months for the unemployment funds to go through. When they finally did. The unemployment agency from the state of Arizona deposited funds into the account in the amount of {$12000.00}. I was notified by the bluebird agency through email that the deposit had taken place. When I went to check my card, the balance said XXXX. I then called the bluebird agency. Who then informed me that my account had been locked, but would not tell me why or what I had done. They would only say that I violated some agreement, but wouldn't tell me what it was. They then told me that the only way that I could resolve the issue or get an answer was to write a letter to the corporate office in Georgia. I have done this twice, and I have received no response, except for an additional E mail stating that I had needed to write a letter to their office, which I have done. It has been a month and I ever recieved no statement from the company and they have not released my funds This company is holding funds that I desperately need, and that were awarded to me from the state of Arizona 's unemployment office. Any assistance you could provide me in this matter would be greatly appreciated. I would like my funds released to me as I desperately need them. You can Reach me via phone ( XXXX ) XXXX or via email XXXX Thank you I hope to hear from you soon. I have also Uploaded a copy of the letter that I sent to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: TN
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:
Two rounds of dispute letters were sent to remove the inaccurate account on my credit and i haven't received a response yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
See previous complaint filed and response. 
The company now confirms there is/ was an account The complaint requests the financial documentation on the fund disbursements Who go the money, not a PDF application without Identification nor signatures. 
The question is to verify the account with substantiating paperwork and records, namely a cancelled check or account statements. Where was the money deposited into what account. The question remains the validity of this account and my name on it. The complaint is not satisfied by simply saying they were not required to report to the IRS. Is this an account in the first place. Prove the money was disbursed and to whom.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I send XXXX dollar to a two of my friends to XXXX XXXX on XX/XX/XXXX XXXX XXXX  us time so my frien receive the tracking number at XXXX XXXX time, my frien works in XXXX XXXX he is not getting out work till XXXX western union send me a text telling me the my friend pick up the money already at XXXX later on around XXXX or XXXX my frien text me back telling me the money was already pick up but not by any of my friends by somebody else at XXXX in la XXXX XXXX XXXX something is wrong here my couldn't pick up the money a this time he was workin by this time and XXXX is to far away is 22 hours driving from XXXX  to XXXX and yes I call western they told me the money was pick up in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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: Their investigation did not fix an error on your report

Complaint:
As previously notified I am a victim of identity theft

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 2015-05-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I noticed a charge on my credit card that did not belong to me last XXXX 2014. I contacted Barclaycard to file a dispute. I was told they needed 30 days to investigate the charge. I received a letter 30 days later stating the charge was valid and that the merchant showed a receipt for this transaction. I contacted the merchant after receiving this receipt to question this order number. I found out that my credit card number was used on this order but was linked to someone else 's account and delivery address. I then contacted Barclaycard again and they started a new fraud investigation case and I was told to wait another 30 to 45 days and up to 120 days for an answer. I recently received another letter saying the charge was valid with the same attached receipt and was told that because I had done prior business with this merchant that this charge would never be considered as fraud. I was also told that I should never open a fraud case if I have done any business with a specific merchant before.If I wanted a refund that I would need to wait for the merchant to refund the money to Barclaycard prior for them to adjusting my account. As a XXXX XXXX I should be protected with XXXX XXXX Liability Protection and should not have to liable for the fraudulent charges that I did not make, nor should I have to constantly call and get transferred to different departments without getting any results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief