BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: FL
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:
I am writing to file a complaint against Chase Bank regarding a dispute that was unfairly declined. On XX/XX/2023, I had a pre-booked parking arrangement with a service that was canceled due to overbooking. I quickly searched for an alternate parking service and found one on way.com, which advertised outdoor parking near XXXX XXXX for " {$4.00} '' per day via XXXX XXXX XXXX XXXX. However, after confirming my purchase, I realized that I was being charged " {$410.00} ''. I immediately attempted to cancel the purchase but was unable to do so due to unclear messaging on the confirmation email I received from way.com. I called my credit card company, Chase Freedom, to dispute the charge and was told to cancel via the app and wait for a Chase service representative to contact me for further details. I disputed the amount of " {$330.00} '' through the Chase mobile app due to the deceptive charge. 

I would like to emphasize that I did not use XXXX 's XXXX XXXX parking and went directly to XXXX XXXX 's XXXX XXXX, paying {$170.00} for 7-days of parking. Chase placed a temporary credit of {$330.00} on my account as a result of the dispute. However, on XX/XX/XXXX, Chase closed the dispute in favor of way.com and placed the {$330.00} back on my account, citing that I did not cancel with XXXX. I would like to reiterate that I did not cancel because I immediately called Chase at the moment to dispute the charge. I was never contacted by Chase to provide any supporting documentation, such as my receipt from XXXX XXXX parking of {$170.00}, or the screenshot of the advertised charge of {$4.00} on way.com. 

I am filing this complaint because Chase never received these documents, nor did the dispute resolution team acknowledge my efforts to dispute the services and provide documentation at the time of the charge ( XX/XX/XXXX ). I believe that Chase 's decision to decline my dispute was unfair and unjustified, as I ended up paying a total of {$580.00} to park ( {$410.00} of which, I did not use ). I request that you investigate this matter and take appropriate action to resolve this dispute in a fair and impartial manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  XXXX Account # XXXX opened on XXXX XXXX {$530.00} XXXX Account XXXX XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  Account # XXXX opened on XXXX XXXX {$1700.00} The accounts listed above were opened fraudulently without my permission. My personal information and identity were comprised and used to open credit card accounts and charges that I DID NOT authorize nor DO. I have already filed an identity theft report, a police report, and complaints with the XXXX XXXX XXXX. As a direct result of this my persona credit has been severely damaged.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, They failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: CITIBANK, N.A.
State: GA
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:
I found a complaint stating that the merchandise received wasn't what paid for and also noted that I was promised a refund. XXXX then sent information saying the item was delivered to CITI Bank and I noted that this isn't what I was disputed I had ordered glasses and received broken glass. CITI told me that there was nothing they can do since the tracking showed it was delivered then I stated and provided proof that I was promised a refund which is another way to dispute the transaction. CITI stated that XXXX said I did recieve the refund but that it didn't go back to my card and asked had I received it another way ; I replyed stating that the notice showed that it was suppose to go back to my orginal form of payment. CITI Replied on XX/XX/2018 that there was nothing that they could do about XXXX stealing my funds. I was told I could only file a damage dispute after the dispute closed but when it closed on XX/XX/2018 I was told I had 60 days to file the damage dispute.

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 2021-01-04
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am a XXXX XXXX, so I am hoping I am in the right place. 

The company Coinbase has recently been locking users accounts and freezing their assests ( some seem to be up to 2 months ). This is horrific considering they may have wanted to buy/sell/trade their currencies out for XXXX. 

I have been a user on Coinbase for 2 years, however in XXXX they froze my account and I have yet to be able to access it. Timeline below : XX/XX/XXXX - I join coinbase and actively trade currencies Wed, XX/XX/XXXX - account is frozen after trading a currency Wed, XX/XX/XXXX - email them with a support ticket saying my funds are locked for verification Wed, XX/XX/XXXX - go through every possible identity verification, facial, passport, address. Still funds are locked. 
Fri, XX/XX/XXXX - send another support ticket, no response Sun, XX/XX/XXXX - email their CPO, no response Sun, XX/XX/XXXX - send another support ticket, no response Mon, XX/XX/XXXX - send another support ticket, no response During these times I have been requesting assistance on their subreddit ( XXXX XXXX XXXX  ). Many other people are having the same issues with more money in their account than I do. 

I can only assume they are doing this to keep people into their coins as the market is currently booming. However if they keep this up during a crash I expect a large lawsuit will be heading their way. 

With regards to identification, they should know who I am through support tickets : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. XXXX XXXXXXXX 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 2020-03-18
Company: CITIBANK, N.A.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had Macy 's department credit card for several years. In the XXXX and XXXX timeframes, Macy 's dept. store credit card transferred to an XXXX XXXX Credit Card, without consumer 's knowledge that they were changed the Card Accounts entirely. Meaning, I was paying a dept. store credit card for a few months, but the transfer to the XXXX card was not getting paid. However, I had no ability, notice, or information that MACY 's company new XXXX wasn't being paid. 

First, consumer did not ask for an Macy 's XXXX card. 

Second, I was paying the dept. store credit card as I had been paying in the past months. 

Third, approximately XXXX/XXXX XXXX, I contacted Macy 's realizing this situation of payment confusion from dept. store credit card to XXXX card and vehemently asked the Macy 's rep to ensure that my payment and any late payments be fixed. Since the Rep pointed out the problem that Macy 's transferring billing from store CC to XXXX card, it is not a consumer issue of payments. He credited account at that time and I paid remaining balance in full. 

Today, the credit bureau is showing " one '' late payment which was not a late payment due to Macy 's negligence/lack of duty regarding new XXXX CC 's. I disputed this issue with both Macy 's and XXXX  without resolution or a fix to Macy 's negligent duties. 

Please assist me is this matter.

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 2022-02-17
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance mortgage with XXXX XXXX on XX/XX/XXXX and as part of the application process I provided my social security number, and a copy of my monthly mortgage statement from my current lender Flagstar Bank. On XX/XX/XXXX, the day of closing, I was made aware that there were {$180.00} of fees assessed by my lender for payoff statements obtained by XXXX XXXX. After further inquiries of Flagstar Bank, I learned that my personal information was used by XXXX XXXX ( without my authorization or consent ) to impersonate me to obtain these statements through Flagstar 's IVR phone system. Each time XXXX XXXX  did this I was assessed a fee of {$30.00}. Mailed payoff statements are FREE. I informed Flagstar Bank that I did not authorize XXXX XXXX to impersonate me in order to obtain payoff statements via their IVR system nor did I authorize them to incur expenses on my behalf. I emphasize 'impersonate ' as the IVR system is quite clear in the use of pronouns to clarify that the system is intended for use by the mortgagor ( e.g. enter the last four of " your SSN '' and enter " your loan number '' ). It is also stated by the system that there will be a {$30.00} fee assessed for providing the statement. In total my personal information was fraudulently used by personnel at XXXX XXXX  to obtain SIX payoff statements for a total cost of {$180.00}. In addition, many of these payoff statements had effective dates which overlapped suggesting that the duplicate statements may have been maliciously obtained in order to incur these fees. I complained to Flagstar Bank indicating that the fees were not authorized, and they removed {$120.00} for the statements which had overlapping effective dates. However, Flagstar Bank refuses to remove the remaining {$60.00} over my objections as they were the result of unauthorized fraudulent activities. In addition, these actions fall within the purview of FL Statute 817.568 ( 2 ) ( a ) Criminal use of personal identification information which states " Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning another person without first obtaining that persons consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree ''.

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 2023-10-05
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had signed up for a home warranty on XX/XX/ which ended up being a scam, I replied to a letter sent to my house regarding my XXXX XXXX  being expired. I paid monthly in the amount of {$310.00} for a total of {$3700.00}. The company cancelled my contract because I stopped paying because after further investigating the company myself and having difficulty actually utilizing the service ( I called for service and got nothing but automated responses ) and disputed the charges with Goldman Sachs as I used my Apple Card to make the payments. In the brochure I was sent from the conpany ( called XXXX XXXX XXXX ) it states if my account was cancelled by the company for any reason ( such as nonpayment ) I was entitled for a refund. The company refused, and Goldman Sachs also found in their favor, even though when I asked for the information they gathered to come to that conclusion they said the merchant did not respond. The merchant, XXXX XXXX XXXX, used a payment processing company called XXXX, which also would no refund me and said I had to go through the merchant. After Goldman Sachs did not find in my favor I disputed the results and again they found in the merchants favor. I contacted the Georgia consumer protection agency and filed a complaint and only then was I a able to get a refund from the merchant in the form of a mailed check. Goldman Sachs only gave me back 4 of the {$310.00} charges, totaling {$1200.00}, the remaining {$2500.00} was sent by check. Also after calling Goldman Sachs to see how they came to that conclusion I was hung up on twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2021 I sent out a letter to each bureau. They have not given me a response in regards to the letter I sent to correct some late payments in XXXX. I just want these payments corrected to paid as agreed as soon as possible.

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 2022-03-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS is attempting to collect a debt of XXXX to replace carpeting in XXXX XXXX unit XXXX. I responded on XX/XX/22 with the following : " I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' On XXXX they responded with a copy of the lease and a picture of subsurface stains in a small section of the carpet. I responded with the following on the same day : " I do not have any responsibility for the debt youre trying to collect for carpet replacement. Unit XXXX was professionally cleaned on the move-out day and contained no noticeable surface damage. Under-surface stains are likely from previous tenants. The lease agreement contains no liability for carpet replacement. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. '' With no further response of proof, they submitted a collections event on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: AR
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 : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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:
1. XXXX XXXX is reporting the following accounts removed which clearly is not true. XXXX XXXX is reporting accounts removed but the accounts are still listed on my XXXX XXXX  XXXX and equifax profile : XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX is fraudulently reporting XXXX XXXX with remarks updated and added. There are no remarks and no updates

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: NC
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:
I contacted XXXX in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, Experian, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, Experian, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.

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