BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Section 4021 of the cares act amends the FCRA by adding a new subsection ( F ) to section 623 ( 15 USC 1681. 2 ( a ) ( 1 ) to reporting obligations of creditors that provide an accommodation to consumer affected by Covid 19 who have requested accommodation durning the cover period of Covid 19 pandemic. I was affected. Im requesting to be accommodated by deleting or deferring account. In addition 15 USC sec 604 states consumer cant furnish my information without my written consent. Never wrote anything to give you the right to commit this act. Also, USC 166B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. You have committed multiple violations in accordance with the FCRA and FTC. Violations are subjected up to {$1000.00} per violation. I demand you remove immediately from XXXX, XXXX, and XXXX. I will also file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card for my husbands business account had expired by a month and I went to the branch to have a new card ordered. At the branch the teller told me that I would have to call the number on the back of the card to get a new card. Once I called the number, we established that the address on the account was to our old address and that is where my card went. She told me that we needed to change the address on the account and to call in when that was done and she would order me a card. My husband went on line and change the address for my card. He also tried to order the card, but since it had my name on it they would not allow him too even though it was for his account. So I called the number on the back of the card again and then they told me since we changed the address that they could not issue me a card for 30 days or that I could go into the branch and have one ordered. That afternoon I went to the branch and asked them to order me a card and again they told me they could not issue me a card and I had to call the number on the back. I proceeded to tell them that they told me to do it in the branch. Then the teller said well the personal banker would have to do it. On that day there was only 1 personal banker in the branch and that it would be an hour wait. We could not stay that long and so I am still without a debit card. My card expired in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: DISCOVER BANK
State: PA
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:
On XX/XX/XXXX, I purchased a computer from XXXX that showed as delivered on XX/XX/XXXX, but I never received. I contacted XXXX XXXX several times to get this handled and they kept referring me to my credit car company Discover, to dispute it. I contacted Discover and opened a dispute on XX/XX/XXXX for {$2400.00} and submitted all the paperwork I had. I submitted the emails from XXXX XXXX and from XXXX. I disputed the charges on the grounds that I never received the order and the XXXX  tracking showed it was signed for by someone I never heard of. Discover closed my dispute and ruled in XXXX XXXX 's favor. Their own terms of service indicate that if I don't receive an item I bought, that I can open a dispute and they will refund it if it is proven that I didn't receive it. By XXXX  's tracking number, it clearly shows that I didn't receive the item, and that XXXX  delivered it to the wrong address. I have tries contacting Discover multiple times since and they continue to refuse to reopen the dispute. Discover violated their own terms and didn't protect their customer, me, from being wronged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link my business checking account to my new online payroll company, XXXX via XXXX. The alert I received when trying to sync the accounts is that PNC made changes that prevents my account from linking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been contacted by Premium Assets regarding an account with XXXX. The person contacting me was XXXX XXXX and her supervisor XXXX, this man called my work repeatedly harassed me and screamed at me. I asked him to not call my work and he disregarded me. 
He spoke to my boss about my account. And threaten me about garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The Equifax team has not responded to letters and faxes regarding the incorrect and unauthorized inquiries in my report. Please have them remove since they are not mine. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
i submitted a complaint to paypal concerning an account in my name that was hacked and their response shed a lot of light on a lot of fraud that happened in my name that i need a lot more information and a much better response from the company so they can help me restore my identity that they allowed to be so severely compromised to start with.

on XX/XX/XXXX my account was put on limitation and paypal requested that i confirm my identity with new security questions, new passwords and submit a copy of my photo id. i did NOT do any of these things. and especially because paypal 's policy demands that the only valid photo i.d . that would be accepted is a drivers license or other government issued i.d.s i NEED to know what this photo looked like, because i have never a day in my life sent paypal a photo I.D .

on XX/XX/XXXX my account access was restored and it never should have been.

then 3 days later, XX/XX/XXXX, for the same reason my account was put on limitation, and using the SAME method my identification was validated and my account access was restored. i have not used any of these accounts for years and none of these actions taken to confirm my identity were done by me and NEED to be analyzed.

additionally i submitted my complain on XX/XX/XXXX and it took until XX/XX/XXXX for paypal to place another limitation on my account, especially considering the limitation placed on XX/XX/XXXX should never have been lifted, the fact that it took until XX/XX/XXXX to place a permanent limitation is a serious problem. And the fact that it is at a " permanent limitation '' status and not " closed '' needs to be remedied IMMEDIATELY ( not in another month )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My bill was paid by my insurance company after my Medicare paid it 's part. The company saying I owe them money is now out of business because of similar fraud practices. Although I contacted them several times in the past, they do not seem to understand. At this point it is hurting my credit score and I would like to get it cleared off my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Rauch-Milliken International, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We are receiving collection calls and letters from Rauch-Milliken International , Inc. We don't owe the money. They are trying to collection based on XXXX XXXX - our utility company. We have called XXXX. We don't owe them any money and they have never turned us in for collections. 

We now have 2 collection accounts with them for different amounts. The address is correct but the company name is wrong and we have never used that company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Barclays Credit Card USA Barclays,. XXXX XXXX XXXX XXXX, DE XXXX. 

I have had the card for 9 years and use if for every purchase I make. I have always been successful at redeeming my miles to use for airline travel. I am a customer in good standing and have excellent credit status. 

On XX/XX/2022, I purchased an airline ticket from XXXX in the amount of {$1100.00} with my Barclays Credit card. I had XXXX miles. Barclays awards {$100.00} per XXXX miles as a Travel Statement Credit. 

On XX/XX/XXXX I submitted my miles for redemption. A week later I noticed that my reward miles amount had not changed. 

On XX/XX/XXXX I called to inquire why my rewards had not been redeemed. I was told by the customer service agent that he would adjust my miles accordingly and I would be awarded {$1100.00} as a travel statement credit within that statement cycle. I was not. I called to complain. The customer service agents did not apply my statement credit again. 

On XX/XX/XXXX, I tried to redeem my miles again. I got a " congratulations '' confirming that my miles had been redeemed. See attached. However, the amount of my miles did not change. Again I was not awarded my travel statement credit in the amount of {$1100.00}. 

On XX/XX/XXXX I called to ask why Barclays was not giving me my Travel statement credit. I was told it would need to be investigated by the rewards department why. 

On XX/XX/XXXX after numerous calls I was finally awarded a case ID number XXXX. I was told it would take 7 - 10 days or even 30 days for investigation. It has been 30 days and I have seen no correspondence from Barclays as to why they are refusing to give me my Travel Statement Credit. 

As of today, XX/XX/XXXX, it is listed on my Barclays account I have 28 days left to redeem my miles against the XXXX purchase. After that the chance to redeem expires. 

Are Barclays ever going to honor their agreement and give me my Miles? 

This has been a cause of great frustration and stress. I am not sure why this needed to be investigated. I should be able to call customer service, they see I have above and beyond the miles needed. This has taken up so much of my valuable time to file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX- $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I found this article about Regions charging improperly on over drafts by shear chance, and luck. For years now Regions, since they " gobbled up '' smaller banks like my own " XXXX '', and I became a Regions customer, it has been quite obvious a " new '' set of rules for how the customers are treated was put into place. It is no wonder they have grown so large with the continual praying on middle class, and lower income folks like myself with outrageous, and unjustifiable fees. The worst thing I know of all is regularly manipulating the on line banking entries of debits, and credits. Debits will be held, purposely not showing them, not even showing them in the pending status for days, as they watch your balance dropping down, the bank knowing, and hoping you overdraft just before a payday. Then, at the over draft point, they will re-arrange the order of the entries to appear that you not only over drafted a few dollars on the '' real '' last charge '' debit ' you made. The new entry arrangement on this newest date of over draft now will show ( in the banks favor of course ) that you over drafted with one of the larger debit entries several days earlier. And now the day before your pay day auto deposit, they hit you with many tiny debit entries ( a few dollars each ) each with o.d. fee each of {$36.00} totaling {$100.00}, {$200.00}, or more. Now the facts after many years watching this closely are this : You have to watch the bank record on- line closely every single day to catch this. They make mistakes - dailey in the nightly work they do balncing your account. The adding subtracting errors they make can throw you own calculations you are trying to keep up with off, and in error. They continually fix errors they show on previous days balancing on next day or so - further throwing you off in error. Fact is, they have been scamming millions of dollars off people like me, and other people that do n't watch it as close as I do. I hope you bust them for all the rong doing. - to me, and manner others.

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 2017-02-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX, Equifax and XXXX are NOT reporting or do NOT have accurate and current data on my VA Home Loan with XXXX and it has caused a XXXX-XXXX point drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand deletion of this alleged debt formed from Identity theft!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am disputing a charge for new flooring in the amount of {$9200.00} the charge was made on my Wells FargoXXXX credit card. My claim ID is XXXX. The floors were not installed properly and never finished. When I submitted the claim I was told it would take 60 days to resolve. It has been nearly 8 months since I submitted my claim. 
Prior to submitting the claim, I allowed the company, XXXX XXXX, an opportunity to fix the floors and they wanted to fix it with a stain marked. This is not an acceptable solution as the marker doesn't last and will come off with the first mop. The floors are ruined and can not be fixed. The floors need to be replaced. Glue has cured into the grooves and has left a white haze all over my new floors. 
The claim was submitted with XXXX XXXX before the job was ever finished. ( Claim number XXXX ) The company has been given multiple opportunities to fix the problem but the only way this can be fixed is to replace the floors. All I am asking for is a refund and I will have a more professional company redo their mistake.

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 2022-01-31
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX I submitted an online application for the Chase XXXX XXXX and responded promptly to two emails for further verification XX/XX/XXXX and XX/XX/XXXX. 

As instructed, I uploaded copy of my drivers license and recent utility bill in response to the first email and mailed a copy of my drivers license in response to the email received XX/XX/XXXX. 

I was also emailed five or times to review letters in my online account application. Prior to XX/XX/XXXX, none of the letters appeared in my online account. 

Per conversation with customer service, Friday XX/XX/XXXX, I was informed that my application was denied because the balance transfer I authorized with the application could not be verified. ( Verification was submitted two times ). 

With further discussion that Chase has issues with interfacing technology and that my application was not accessible to remove the balance transfer request, I was advised to submit a second application without a balance transfer. 

When I contacted customer service the following week XX/XX/XXXX, I was informed that the XX/XX/XXXX application was auto declined because the recent XX/XX/XXXX application was declined and that additional verification was needed. 

On XX/XX/XXXX the Relationship Banker at a nearby local branch transmitted imaging of my Drivers License and requested expedited reconsideration explaining the circumstances of the declined applications. The Chase associate he contacted advised that I would receive a decision in one to two days. 

A week later XX/XX/XXXX, the applications were still in reconsideration status pending further verification. Per conference call with the local Chase XXXX and the department he contacted, the mailed copy of my drivers license and the XX/XX/XXXX transmitted imaging of my drivers license were still not in my file. 

With resignation that all efforts to verify identity were exhausted, I notified customer service XX/XX/XXXX to discontinue any further consideration, that I was hereby withdrawing and canceling the applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
they contacted me XX/XX/2020 through email saying i owed my previous landlord an unpaid amount of XXXX it went on to say that i owed unpaid rent of XXXX or so as well as a late fee pf XXXX or so and a clean up fee for my wife smoking in the apartment of XXXX dollars. I then told them that I did not owe him anything, they replied by saying that they asked him for verification of the debt they then sent me an encrypted message containing my old lease agreement. I thanked them for the information but asked why do you think that I owe my landlord money there response was to report it as a debt on my credit report.

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 2022-01-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2022-01-31
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i recived a letter on XXXX XXXX stating i had an outstanding debt to XXXX XXXX. I never received any corraspondance from this company. i have never had mobile service with this company. the letter is addeessed to XXXX XXXX i do not spell my name with an XXXX i believe this company has the wrong person or someone opened this account in my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation