BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
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:
A fraudulent transaction of {$950.00} was made on my Chase Amazon credit card on XX/XX/2020 at a XXXX store. I sent supporting documents to prove I did not make this transaction several times, including via the company 's official secure message portals as requested by their live representatives, but I received letters instead that nothing was received. This is very frustrating to me because I have used their requested channels, and I have even received messages in response to the submission of my documents. 

Most recently, I sent in a 2-year lease in as well as a flight ticket from XX/XX/XXXX-XX/XX/XXXX as requested. The length in the contract was assumed to be 1 year without reading the lease, and the date of the flight ticket was assumed to be in XX/XX/XXXX-XX/XX/XXXX. Please note, the lease term is on the second page of the document, about halfway down the page. When reading the flight itinerary, you will need to use the day of week written in the flight ticket to verify the year since XXXX Travel did not use the year in its itinerary. As further proof that I have been based in XXXX, I have added another airplane itinerary booked on a different airline showing travel from XXXX back to XXXX. I would like to request that someone else review my documents and correctly read the text in the documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Bridgecrest Acceptance Corporation
State: TN
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 have reached out to this company 6 times by mail and i have not gotten a response i have debt validations letters and also cease letters, i have not gotte any responses back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB I am writing again do to Elain Financial Services none compliance with the Fair Credit Reporting Act and violation of the FCRA after I have provided them with as requested supporting documentation multiple times for a error with my XXXX payment. Elain Financial Services has fail to remove inaccurate information on my account for the XXXX due to and error in the system not caused by me. I am not sure how this error happened or occurred. Its not right or fair that I continue to be penalized for this error that has occurred on my account. I have provided as requested by Elain Financial Services proof of my Citizens Bank Checking account statements clearly showing payments made and received on time to Elain Financial Services for XXXX, 2020. Elain Financial Services stated in their response to me that my payment was returned from Citizens Bank CFPB I have provided supporting Citizens Bank statements clearly showing payment made and received on time to Elain Financial Services for XXXX. CFPB please note that my Citizens Bank statements clearly dont show any returned payments to Elain Financial Services for XXXX. For this dispute I have provided additional to Elain Financial Services from the same Citizens Bank account for XXXX, 2020 to show that their was not returned payment to Elain Financial Services for XXXX. CFPB please also note the balance for XXXX in my Citizens Bank checking account for XXXX, 2020 which I have highlighted and circle {$12000.00} and a balance of {$14000.00} for the month of XXXX. As you can see there was more than sufficient funds in my Citizens Bank to cover my payments to ensure no payments returned to Elain Financial Services for XXXX. Again this was and error in the system and should be corrected immediately. 

CFPB this not right or fair that I continue to be penalize for and error that I dont cause, its also not right that Elain Financial Services continue to not correct this error. I have been a happy customer with Elain Financial Services for over seven years and have never missed a payment with this 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 2019-09-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom it may concern : I am trying to get a refinance, on my home, I found out from the loan company ( XXXX XXXX ) that my mortgage co.. Chase has not been reporting payments to credit B. We did a loan mod. about 6-7 yrs ago..My wife has been making payments for about 6-7 yrs. XXXX XXXX also said that my dose'nt even have a score..I feel that something is not right. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have used this company with the legal name coinbase pro. I have transferred money from my bank account to my digital wallet in coinbase pro to use for trading currencies on their platform. Now I cant widraw my money from the digital wallet stored in coinbase pro. My account have been disabled with no explanation and my funds have also been blocked. I have send several emails in attempt to have my money back or transferred back to my account but no response. I have XXXX in US dollars in my coinbase pro digital wallets that I cant widraw because they disabled my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: National Management Recovery Corp. (NMRC)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 at approximately XXXX XXXX from an unknown number National Management Recovery Corp contacted me about a debt to them. I was never contacted or made aware of this until this point. This was the only correspondence I received about them. I was told they were going to take this to court? But there is nothing sent to me about this. They have made threats to take to court and have put on public record for a debt I have no clue about and when asked they were very defensive about relaying any information. I was threatened that if I didnt pay the debt off they would process and take to court with supposive allegations that I was defrauding. I repeatedly asked for confirmation about this debt and and yet, still nothing that says what this is about and as I told them I never heard of XXXX and the lady kept repeating the same thing, that they would take me to court if I didnt pay that day. This company tried to use a scare tactic to get me and my mother to pay. I called the XXXX County court and was told no such lawsuit exists with them! They called me, threatened to sue, that my credit would be tarnished and that they would contact my employer. I have your voicemail recording and I also recorded the conversation we had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
There are two missing payments for XX/XX/2019 and XX/XX/2019. I the interim of payments being processed, both my husband and self were victim to Fraud/Identify theft. We had almost {$6000.00} taken from our checking account. Twice we have had to switch our account information and now have to take a series of security measures. During this time we had payments that were returned, not by our fault, but do the the fraudulent activity. I contacted customer service. I went over all information with Santander Consumer services. I was told by a representative named XXXX to have my husband call back, we would be able to defer the two payments to the end of the note, while the credit is being adjusted. My credit union processed the payment on XX/XX/2019 and was paid to Santander by ACH. I called today with my husband and spoke to representative who I spoke to first, went over all information as to why account was behind. I told her multiple times what I faxed in to prove proof of payment, a police report, and letter from my credit union. I was then informed by representative that previous fax number given was incorrect. I had to re fax. She then asked why I did not make a payment on Friday and stated that I was given wrong XXXX XXXX information and that I was not going to pay again when I am trying to correct the two missing payments. She then said to me that she needed to speak with my husband and transfer to department to handle the deferred payments. Then gets on the phone with him and demands a payment. He was like I need to pay you today??? We are trying to correct the situation and fix this. She then went into almost double question my previous conversation. Then he said I heard the whole conversation between my spouse and you. That this is not what you just discussed with my wife. She then got rude and he asked her to provide him with Law Enforcement information to properly handle the matter and she would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I recently reviewed my credit report and noticed that the account I had with Captial One Auto loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and Capital one ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, CAPITAL ONE was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation. 

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I previously called as well as disputed information that doesn't belong to me I made a report with FTC asking what I can do before filing a law suit this was my next step I provided my identification card as proof of these products not belonging to me and nothing was done. I wasn't notified by mail I asked to be notified by mail pending outcome of the investigation and nothing was provided when I call a man I talked to was very rude and aggressive with me and now I'm filing a complaint because nobody should be treated this way when I'm just looking for help I understand they get paid off more accounts I have on my account but by law if it don't belong to me it have to be removed. Thanks you

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 2023-12-09
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reported XX/XX/2023... .Amount {$2100.00}. Called and filed a police report. Trying to get the negative report removed from my credit

Company response to consumer: Untimely response
Consumer complaint received 2023-04-11
Company: Incomm Holdings Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
purchase 2 cards on XX/XX/23, cards wouldnt work, called XX/XX/23, cards were verified as not loaded, started a formal case with a case number, provided all requested information. Waited 20 days, called in, put on hold and call disconnected by vendor. 
Please force refund thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: CA
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:
It shows there are 2 late payments in my XXXX XXXX XXXX account XXXX, in XX/XX/XXXX and XX/XX/XXXX. The reason for these 2 late payments are I rarely use this card, it at the beginning didn't charge annual fee, but suddenly start to charge annual fee on XXXX XXXX without notifying me. No email notification, no text notification. Even 1 month later they didn't notify me of the late payment. 2 month later, I see the amount myself, and call to the company to argue why they are posting this and even charge me late fee, they should refund me. They refuse to refund me, and can not provide any prove that they notify me in any way. I am so angry, I have to pain in full and close the account. But this late payment record stay in my credit report for 7 years. I call Experian to dispute this one, they said the company just said it is 2 late payments indeed. It is unfair, now it even don't know how much money in the late payments, a few dollars becomes 2 late payments, penalize me for 7 years. The company can really do whatever they want.

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 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Bank of America has a systemic problems when it comes to : 1 ) Determining if a charge is legitimate or not 2 ) Reporting suspected fraudulent charges. 

BofA has the resource to work with vendors to present the familiar vendor that the customer engage with rather than the upstream or downstream entity that recieves the funds. Likewise, when a charge is challenged, the customer should receive a detail of what was provided rather than the " we have determined this is a valid charge '' that BofA has sent me in the past. 

The cost to reporting fraud is issuance of a new card and time and tribulation it entails. It also is almost impossible to do. 

I tried to report it to BoA today XX/XX/23 and wasted 20 minutes listening to BOA phone prompts only to be DISCONNECTED. Among the inane messages I had to listen to before being switched to the fraud line : Your card balance is. 
Your available credit is... 
Did you know you can transfer your other balances.. No, I do NOT want to pay an additional 4 % to transfer a balance. 
We are experiencing higher than normal call volume No, you are NOT. That is the normal volume because I get the same message every time. 
All associates are helping other customers Your vendor name may not be the same as the business charging you. Check the date for what you might have purchased. As a retired CPA I track EVERYTHING but most don't have my experience nor time to figure this out. 

I suspect my charge of {$22.00} to XXXX XXXX was fraudulent because a web search revealed many others with the same issues. Most will not pursue this but if 10,000 do not pursue it, Bank of America has just made over {$8800.00} in fees on fraudulent charges that customers don't have the time to deal with.

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 monetary relief
Consumer complaint received 2023-10-09
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a cash app account on XX/XX/XXXX for my business in which I had to provide my business license and my identification. 

On XX/XX/XXXX, I received this notice when trying to access account Your account has been found to be in violation of our Terms of Service and/or our Acceptable Use Policy, and has been closed. While you are still able to access your account and XXXX cash out any remaining funds, all other features, including the XXXX XXXX, have been permanently XXXX. 

I dont have specific reasons why, but you can view our Cash Terms of Service at https : //cash.app/legal/us/en-us/tos for possible On XX/XX/XXXX, I contacted Cash App again because this account is signed up to receive donations for my business but no one didnt contact me. The only response I received is It looks like this would be better handled through our email support team. 

On XX/XX/XXXX, I contacted Cash App again and this is the response I received We've escalated your case and our team is working hard to resolve your issue. For reference, your previous case number is XXXX. Although I don't have an update to provide at this time, our team will send you a response when we have more info. 

On XX/XX/XXXX, I contacted Cash App again and this is the response I can confirm that weve escalated your case to the appropriate team, and the team is working to resolve your issue. 

Please do not directly respond to this message regarding your original request. Although I do not have an update to provide at this time, we will send you an email as soon as we have more information. 

The best way to contact Cash App XXXX is through your app, or you can reach us by calling XXXX ( XXXX ) XXXX. XXXX support is available Monday - Friday XXXX XXXX. 

On XX/XX/XXXX, I contact Cash App XXXX phone number provided and was informed that my account doesnt have the latest information and best help via chat. They disconnected 3 times with same response. I have been going thru this issue for XXXX weeks with no response via email or chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Every week when my money would hit, I had to pay thing and I would make like two or three transactions and the card would freeeze and sometimes I couldnt unfreeze for some days and as a result it would mess up my automatic withdraws without me knowing and would make my payments delinquent sometimes even cancel service..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: LTD Financial Services, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, my adopted daughter needed an apartment near to where she was attending college. We selected an apartment complex and management company named " XXXX XXXX '' in XXXX, TN. The management company required that I be a co-guarantor for a period of 1-year because my daughter ( XXXX XXXX ) had no established credit history. After one year, the Leasing agent informed me that I would be " automatically removed '' as a co-guarantor. No action on my part would be required after her 1st anniversary. However, to the contrary, XXXX XXXX did not remove me from their database. Subsequently to her lease anniversary, my daughter executed upon her own accord with the management company, and without my requiring my signature as a co-guarantor, a new lease. My daughter informed me that she had signed for an extension on the second lease she had executed. However, I would continue to receive emails about her late payment status and other obligations within the lease required compliance. Without success, I have telephone and written letters to the property management company. XXXX XXXX property management continued sending late payment notices. At some point, in an email response, the building manager stated that I am responsible for any successive lease obligations because the initial lease where I became a co-guarantor is " controlling. '' I notified my State 's ( Tennessee ) Consumer Affairs ( housing ) division. The Housing division informed me, the State has no jurisdiction over " private housing. '' On XX/XX/XXXX, I received a " Collections letter '' from " LTD Financial Services, '' of XXXX, TX XXXX. My daughter moved from XXXX XXXX complex in XXXX. She informs me that she did have a damage fee assessment for her dog, but she paid it. In the one year that I did act as co-guarantor, she did not have a dog. Notwithstanding, between letters, faxes, and the time thus far I have spent, in attempts to have my name removed from XXXX XXXX property management database, moreover, delete me as a co-guarantor, has unwarrantedly damaged my credit rating.

Company response to consumer: Closed with explanation