BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I got my statement and immediately reported it to the bank they gave me copies of three checks which had been forged. They were in the amounts of {$8900.00} XX/XX/XXXX check # XXXX $ XXXX check # XXXX $ XXXX check # XXXX A total of {$19000.00} I then filed a police report on the same day. 

I had my checkbook in a locked room. Family members who I thought were trustworthy, got into the room and stole checks out of the back of my checkbook and wrote them for almost {$20000.00}. Chase bank will not reimburse the money because they said I had a lack of care because it was not in a safe place ( I was told on the phone a lockbox ). I believe that it being in my own home in a locked room is a reasonably secure location. In addition Chase never notified me when out of out of sequence checks were cashed on my account. The last check legally written was check # XXXX. The bank also didn't notify me when 3 large amounts were taken out of the account when there had been no withdrawals in well over a year. The last check written was written by my late husband on XX/XX/XXXX so these are definitely not my spending habits. Also, the culprits forged my signature, but the pay to the order section is in completely different writing. There were plenty of red flags and Chase did not catch any of them. It seems to me like Chase Bank is the one who did not have care In this situation and should be required to take the responsibility for their lack of care. That is why I put my money in their bank, so that they would protect it. Therefore I believe that they should reimburse my money. Otherwise under what circumstance would the bank ever have to reimburse peoples money if they can just put the blame on the victim and completely overlook or ignore all of their own mistakes? 
I was already a victim of financial elderly abuse by the culprits, and now I feel like I am again a victim of the bank. 
I have called the claims department several times and they still say it was my lack of care. I asked to file an appeal and they said it would be the same result. This was more than a full year of social security that was stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021, I submitted a mortgage application with MTH, the preferred lender for XXXX XXXX. Upon receiving my pre-approval, I immediately inquired about mortgage rate lock options with my Lending Officer, XXXX XXXX. The lending officer did not respond to my request for the rate lock options. I sent follow up emails in both XXXX and XXXX expressing my concern that rates are going up and asking again for rate lock options. The Lending Officer again didnt respond to my requests so called MTH to see how could file a complaint. Rather than giving me option to file a complaint, MTH put me in contact with Branch Manager, XXXX XXXX who apologized for the delay in communication. I expressed my concern that the rates had already gone up too much and that I havent been provided the information I requested to allow me to lock in my lower mortgage rate. On XX/XX/XXXX, XXXX XXXX offered the rate which was available in XXXX when XXXX didnt respond to my follow up, however, she only provided me XXXX to accept the offer. I was traveling at the time she sent the offer so I didnt see the offer and was not able to respond. I reached out to her when I returned and she said the offer is no longer available. MTH did not provide the information I requested which led to me not being able to make the decisions I needed to make with my mortgage. 

I have emails to corroborate the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
TD Bank withdrew 100.00 from my XXXX  XXXX XXXX debit card ending in XXXX on XX/XX/2021. I have emails to prove that the money was taken from my account and bank statement also reflects that XXXX was taken by TD Bank. I have been treated very poorly by TD Bank, while I have been trying to find out what TD Bank has done with my opening deposit of XXXX. The bank states that they have no idea that the bank withdrew my XXXX because there is no trace of the transaction. Then they told me later on XX/XX/2021 that the XXXX was sent back to my account and I should receive it in 24-48 hours. 
One representative even told me that the XXXX  would be placed on the TD Bank debit card that I received in the mail. It is now XX/XX/2021. I have disputed this what seems to be fraudulent activity by TD Bank with my bank. I was later contacted by the XXXX Branch after I submitted an online form to complain about my deposit that was stolen. She seemed nice, but she she later called to ask me if my deposit was XXXX and not XXXX. How could I get that amount confused. I am very upset. I feel like I am being given the runaround every time that I call the bank and even now that I have been contacted. On XX/XX/2021 she asked me to submit my XXXX  XXXX XXXX Statement to show that TD Bank took the 100.00 out of my account on XX/XX/2021. I was asked to drop it off at the door and I will be contacted later to see if my deposit can be found or refunded. I also stated that TD Bank can get that information directly from my bank, since I have disputed this. This is the worst banking experience that I have ever had in my life!! I am not going to drop off my personal information from my bank to this bank, especially after my money has been stolen and I was treated poorly at the branch. I feel as though I should have been asked to come into the branch with my documentation, so my money can be refunded. At this point, I am pretty sure Fraud is going on at TD Bank. I am sick and tired of all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told all the of the " Big 3 '' nationwide consumer Credit Reporting Agencies, XXXX, Experian and XXXX to reinvestigate these accounts : XXXX XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX XXXX- ( # XXXX ), XXXX XXXX- ( XXXX XXXX ), USDEPTOFEDUXXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX- ( # XXXX ) I received notice from all three CRA 's ( XXXX, XXXX and Experian ) that everything was verified as complete and accurate and that my disputes have now been completed and closed out. I am confused, how is it possible they " investigated '' all these accounts and declared them as accurate and verified if information such as : Account Open Date, Date of Last Activity, Payment Amount, and so much more is absolutely incorrect. Not only that but all 3 of the CRA 's are reporting different information.

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 ( A ) States that I have the right to privacy 15 USC 1681 Section 604 ( A ) Section ( 2 ) States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These companies do not comply with or even attempt to be in compliance with Metro 2 credit reporting and I have all the supporting docs/evidence to support my claims.

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 2021-12-23
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I CALLED XXXX, SPOKE TO SOMEONE NAME XXXX XXXX AND WHAT HE SAID XXXX SENSE TO ME AT ALL, HE WANTED ME TO GO TO MY COMPUTER AND GO TO THE SEARCH BAR AND TYPE IN INFORMATION IN WHICH I REFUSED. 

I RECEIVED AN E-MAIL FROM PAYPAL ABOUT A BITCOIN PURCHASE THAT I WAS NOT AWARE OF FOR $ XXXX. ORDER # XXXX, ON XXXX XX/XX/2021, IT DID NOT PURCHASE ANYTHING AND DO NOT KNOW WHAT BITCOIN IS. 

I TOLD HIM THAT SHE WAS A FRAUD AND WOULD REPORT HIM AND THE NUMBER IN WHICH I HAD SPOKEN TO HIM ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: CITIBANK, N.A.
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:
My deceased husband, XXXX XXXX, purchased hearing aids on my credit card that didn't work. The seller was not fixiing them per their warranty. I contacted Citi Bank and they kept telling me I had to work it out with the supplier. The hearing aid company was not returning any calls. When we went to their office they were no longer there. I contact Citi Bank and put in a dispute. 

Citi Bank should responsible for the information their representatives give to a customer, however they claim they are not. 

I spoke with XXXX in Customer Service Accounting and she told me it doesn't matter what their agents tell someone because they are human and make mistakes. I requested, in writing, a copy of the voice recordings from my 2 calls and never receive them or got a response to my request. 

XXXX said she had listened to the 2 recorded calls in which I spoke with 2 agents on different dates who both told me my dispute was approved. Later during that call she admitted she hadn't really listened but would. On the first one approximately XX/XX/27 I requested a check be sent to me. He took all the information and said a check would be sent to me if I preferred that over refunding it to my bank like they normally do and I said I did. 

On my second call, first week in XXXX they apologized for the delay. They told me the check was being released and mailed on XXXX XXXX. I mentioned to her if I couldnt wait for the check any longer could I use the credit if I had to. She said that would work too. 

We left for our investment house in NC where I had to order appliances. In so doing I used my credit that they told me I had won the dispute on. Before I used the credit I called one last time and confirmed the credit was still there and I could use it. That agent said I could go ahead and use it. They always tell you all this is on a recorded line. So they have the records. 

When I got back to my home in PA I had a letter Dated XXXX from Citi XXXX I enclosed a copy. Their letter verifies that they were not able to send the refund to my bank on XXXX XXXX because I had used up the credit instead. 

This letter from Citi verifies that the XXXX agents that told me I had gotten the disputed settled in my favor. Because I used the credit before it was sent to my bank per their letter they were not able to put it back into my bank. 

I believe once they fould out how old we were they decided to change the status of our claim approval decision.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX. Account XXXX : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX TEXAS. Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 non-monetary relief
Consumer complaint received 2023-07-14
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 status incorrect

Complaint:
Subject : Complaint Regarding Closure of XXXX XXXX Credit Card Account Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to lodge a formal complaint regarding the closure of my XXXX XXXX Credit Card account, which was in good standing and consistently paid on time. The issuer of the credit card did not close the account and suggested I contact your bureau to address this matter. 

I have been a loyal customer of XXXX XXXX for several years, and during the tenure of my credit card account, I maintained a stellar payment history. All payments were made in a timely manner, and I strived to keep my account in excellent standing. However, to my surprise, I recently discovered that my XXXX XXXX Credit Card account was closed in XX/XX/2023. 

I have attempted to resolve this issue with the credit bureau responsible for reporting and maintaining accurate credit information, but my attempts have not yielded satisfactory results. Despite my efforts to rectify the situation, the responsible credit bureau has been unresponsive and has not provided a satisfactory explanation for the closure of my account. 

I kindly request your intervention and assistance in this matter. As a regulatory body overseeing consumer financial protection, I trust that you will thoroughly investigate the circumstances surrounding the closure of my XXXX XXXX Credit Card account. I believe it is crucial to ascertain the reason behind the closure and ensure that accurate information is reflected on my credit report. 

Furthermore, I request that you facilitate communication between the credit bureau and myself to expedite the resolution of this issue. It is my understanding that your bureau has the authority to review consumer complaints and work towards a fair resolution. I kindly request that you use your influence and expertise to help rectify this situation. 

I have attached relevant documentation, including account statements, payment records, and correspondence with the credit bureau, to support my complaint. These documents will provide a comprehensive overview of the account 's good standing and the lack of communication or valid reasons for the closure. 

I kindly request that you acknowledge receipt of this complaint and inform me of the steps being taken to address the matter. Your prompt attention to this issue is greatly appreciated, as it has the potential to significantly impact my creditworthiness and financial well-being. 

Thank you for your understanding and anticipated support in resolving this matter. I look forward to a fair and satisfactory resolution. 

Yours sincerely, 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 2023-10-17
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Since I received notification regarding my account on your platform www.coinbase.com and the Coinbase app will be limited to sending funds only as of XX/XX/, because they are disabling the access to accounts that no longer meet your updated standards for these services. Also they advised me that this is a temporary measure and you may soon open up the option for you to meet KYC requirements that would allow us to access our products and services again. However, their platform presents problems in complying with this request. I only was able to update my ID on the platform by uploading my national identity document ( XXXX ), but not my address despite a huge amount of attempts, uploading the different document alternatives that they mention on your platform, I am always rejected by the platform authentification process. My account does not have a lot of money ( XXXX dolars ) but I do not want to lose it because Coinbase are unilaterally determining this because you are not generating adequate means to comply with KYC requirements. 
The case number give me for the support team of Coinbase ( XXXX # XXXX ). Today I received a reminder to enter new information to avoid account closure on XX/XX/XXXX. I need a definitive solution to the platform problem. 
They inform me that if I do not do so before XXXX, my account will be cancelled and I will lose my money. 
I feel that the platform is failing on purpose and thus harming small foreign investors. They excuse themselves because of the regulations that have been imposed on them in the XXXX. Since XXXX I have not been able to sell the XXXX fraction I have and the price has not stopped falling, losing resources from the little savings I make from my work. I feel that they are taking advantage of me for having invested from XXXX in their platform. To date I can not make sales or transfers because I have not validated documentation, which is impossible to do because of the failures of the page and Coinbase application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Their investigation did not fix an error on your report

Complaint:
I have disputed with all three reporting companies multiple times and nothing has changed. I dont have anything negative on my credit report other than this, which is XXXX XXXX  mistake that Im getting punished for. They called me about my card not working XX/XX/XXXX and informed that I was a few weeks late. I was informed that call was being recorded. I made a payment and authorized them to take automatic payments over the phone. The customer rep explained everything to me and I asked her if it was going to come out automatically and she stated on that recorded phone call that it would. They never charged the card. Ive tried calling and talking to them but dont get any where. I have been hung up on numerous times. Now I have a late payment on my account for being lied to on a recorded conversation that they wont pull up to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX Reporting date XXXX. XXXX, 2021 Amount {$120.00} I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. 
It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any atomized bill, I am asking for contracted with my signature that stated I have done business with this company.

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 2021-04-05
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation