BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: JPMORGAN CHASE & CO.
State: NY
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 dissatisfied with the response I received from Chase regarding an issue that is completely under their control. The Chase plan allows spreading out payments for no more than ten purchases over an extended period of time. I reached the maximum and because I made another large purchase, I paid off 4 of the existing charges under the plan in an effort to add this purchase. Chase responded I must wait two billing cycles to allow the XXXX  balance charges to drop from the plan. 

I am including Chase 's response to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
About two weeks ago I submitted a dispute with Chime for unauthorized fraudulent transactions on my account that occurred between XX/XX/XXXX til XX/XX/XXXX. All resulted in a loss of XXXX USD. I did authorize anyone to use my card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Chime responded that it was verified. That's impossible if I was XXXX  prior to the card being used. I am requesting my money be credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: CO
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against these agencies a late payment on my credit card account. THe following accounts is listed below 1. XXXX Bank Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX. Capital XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Of XXXX Account number : XXXX Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe.

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

Sincerely, 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
IT has come to my attention that there are late payments being reported on my consumer credit report and per. 15 US CODE 1681A TITLED DEFINITIONS RULES OF CONSTRUCTION PARAGRAPH 2 OF THIS TITLE IS TITLED EXCLUSIONS AND SUB PARAGRAPH ( A ) SUBSECTION ( i ) STATE THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER 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 2023-02-02
Company: Experian Information Solutions Inc.
State: NC
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:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, and I did not authorize these credit inquiries.

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 2023-11-17
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted ( inappropriately ) via email regarding an alleged debt owed to an apartment community in which I was wrongly evicted. According to the initial notice, purportedly XXXX XXXX contends that they have permission to contact me via email. I totally disagree as I am unfamiliar with this entity nor did they provide verification that I consented to receiving communication via email. Notwithstanding, despite adamantly refuting the alleged debt owed and providing substantial proof to the contrary, they are in direct violation of the FAIR DEBT COLLECTION PRACTICES ACT and provided no valid proof to substantiate an alleged debt owed. Twice I provided adequate documentation to refute the allegations for which it was totally ignored. I learned that the debt had been placed in Collections on my Credit files via my Credit Monitoring Service. I had a rather not so pleasant conversation via telephone with the company to no avail. Presently, I am homeless and unemployed. I also retain a Government Security Clearance that is now in jeopardy due to the negative reporting of this Collection account further impeding my efforts to regain employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear  XXXX   XXXX   XXXX   XXXX  : I have been an account holder since  2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I have two late payments on the above referenced account that date back to    2014  since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  XXXX  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on bed rest my last month of  XXXX  no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that  XXXX   XXXX   XXXX  is willing to work with me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.     May  XXXX  please remove all negative remarks off my credit report. In good faith.       Sincerely,

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 2023-11-17
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had got XXXX deposited into my robinhood account. I was able to XXXX XXXX XXXX then I tried to remove XXXX into my actual real banks savings account and they rejected it and have withheld my funds. Saying the money isnt mine because they cant confirm. Ive sent bank statements, Id, social security. They have no reason to close my count and hold my funds for no apparent reason. Ive requested calls from customer support and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$6700.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$7300.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 2023-01-24
Company: Harris & Harris, Ltd.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt is with a collection company that I made an agreement with online to pay in which I am paying weekly. I keep getting letters that threatened to garnish personal property / wages and calls if I could pay the full amount or increase the payments. I told this company on two different occasions the amount is all that I could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: GREAT WESTERN BANCORP, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I had numerous unauthorized charges hit my Great Western Bank checking account from XXXX. I didn't see them until XX/XX/XXXX and at that point, my account was overdrawn by almost {$500.00}. I saw that on XX/XX/XXXX, the bank had already charged me a {$170.00} overdraft fee. I called XXXX and disputed the numerous charges and they agreed to refund all of them but stated it could take 3 to 5 days to complete the refunds.There were also several pending charges that they cancelled for me. I notified my bank of the situation and that the charges were being refunded. I asked at that time if they would be able to refund me the overdraft fee once the account was refunded. The teller I spoke to said that she would pass on the request to her branch manager. The next day, I checked my account. About half of the unauthorized charges had been refunded, but I saw there was a second overdraft fee in the amount of {$170.00} from my bank. I called them again and asked why they were continuing to charge my account. The branch manager said that due to the fact that the charges were not a bank error, they would not be refunding the overdraft fees. I explained to her the impact that the total of {$350.00} in fees was having on my account and tried to persuade her to reconsider. She adamantly refused, stating not only would she continue to charge the fees, but that she was obligated to. She began to argue the validity of my claim that the charges were not authorized. I reminded her that XXXX had agreed that they were not which is why they were issuing me a refund. She was completely unwilling to work with me. By XX/XX/XXXX, the unauthorized charges had been completely refunded and the overdraft fees remain. I believe my bank should refund the fees due to the fact that the unauthorized charges were the cause of my account becoming overdrawn.

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 2023-11-16
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
The coinbase app prevents me from seeing balances in my crypto wallets. I contacted support via chat and did all the steps I could do and that still didn't fix it. I asked for a supervisor and the agent, XXXX, refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Firstly, I never signed up for an account with PNC Bank. I signed up for an account with Simple Bank, which was bought out by BBVA, which was bought out by PNC. When Simple was closing down, their bugged app and website made it impossible to close my account before the BBVA transfer went through. My ( many ) attempts to cancel the account with BBVA were not successful before PNC then took them over. I was given an account with PNC that I never signed up for and did not want. 

It was extremely difficult to get the account closed, and took multiple phone calls to even figure out the status of my account. It had been marked as 'inactive ', it was explained to me, and therefore I needed to activate it again and wait for a while and then call them *again* to close it. I did this, and was told that the remaining funds in my account would be sent to me in five business days. 

I received the confirmation of the account closure on XX/XX/XXXXXXXX I still have seen no sign whatsoever of my money as I write this on XX/XX/XXXX. As to how PNC has handled that - I'm once again back on hold, and I've been on hold for so long that I've written and submitted this complaint while waiting for a representative to get back on the line. Hours have passed. The hold music eventually slowly and sadly died out, and now I'm holding in silence. Lol. I also repeatedly had to give this institution I never chose to open an account with my SSN so that I could even hear what was going on with the money I never chose to hand them. 

It seems unacceptable that an account I never wanted was opened in my name and now I'm spending hours over the course of months just trying to detangle myself from this mess and get my own money back. Every step of this has been absurdly difficult and tedious and what they have is my emergency fund, so I hope no emergencies come my way any time soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I alerted the Bank of fraudulent activity on my accounts in XX/XX/2023. I closed 3 accounts ( with your help ) but the last remaining account is still being held by the bank, and I am locked out of the account. There has been no activity on the account since XX/XX/2023, except for one XXXX deposit made by a customer of mine. 
My question to you is : How long is the bank allowed to hold my account in stasis? Is there a time limit, or can they keep my funds indefinitely? 
The bank has been less than cooperative in the past, that is why I am trying to determine if I have any rights at this point. 
Thank you for your assistance.

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 2022-02-19
Company: Burke Costanza & Carberry LLP
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This office has been incorrectly billing me for services beginning XX/XX/XXXX. They have billed me for doctors I havent seen when I requested to have follow up visits with the doctor who performed my XXXX. They have gone from billing neither insurance to billing only XXXX, INSTEAD OF IN ORDER OF PRIMARY THEN SECONDARY, which has caused for claims to be denied, leaving me with a lawsuit for over {$16000.00}. XXXX XXXX has reached out, as recently as XX/XX/XXXX with a voicemail being left, to them to inquire about their billing practices. 

Also, the condition that this medical debt stems from has been determined to be directly related to a pending medical malpractice lawsuit I have against XXXX XXXX. 

Regardless, the billing practices of this office are inconsistent and questionable all while neither physician, XXXX and XXXX, want to address my post operative concerns, pain, and complications I have made them aware of since XX/XX/XXXX. I requested XXXX XXXX for my post-op follow up visits but when I arrived at the appointments, I was met with XXXX XXXX who spent less than XXXX minutes with me, ignoring my pain and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint to equifax regarding this company and when I attempt to upload a document in this case a court order ( automatic stay ) the company website says : " we are unable to to upload your document at this time. '' It has given this message numerous times for over 1 month. This is an affects all consumers because you can not upload or give notice to creditors regarding your dispute. You then have to pay for a certified letter with return receipt in order to confirm both equifax and the creditor have received notice of your dispute/court order. One has to wonder ... Is this by design? Given the history of Equifax. They have to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Bridge Crest XXXX, I hope this letter finds you well. I am writing to express my deep dissatisfaction with the service I have received from your company, particularly in relation to inaccurate information being reported on my credit account and your refusal to provide an official title for the vehicle financed through your institution. 

I entered into a financial agreement with Bridge Crest XXXX for the financing of a vehicle, and unfortunately, my experience has been far from satisfactory. Despite my attempts to seek accurate information about my account, I have encountered numerous challenges. The information provided by your representatives has been inconsistent and, in some instances, outright false. This has not only caused confusion but has also had a detrimental impact on my XXXX XXXX. 

Furthermore, I am deeply concerned about the refusal of Bridge Crest XXXX to provide an official title for the vehicle as required by law. This lack of documentation not only poses legal issues but also raises questions about the transparency and compliance of your company with regulatory standards. 

I would appreciate your prompt attention to these matters. I kindly request the following actions be taken : A thorough investigation into the inaccuracies in the information reported on my credit account. 
Immediate correction of any inaccuracies found in my credit report resulting from misinformation provided by Bridge Crest XXXX. 
The provision of the official title for the vehicle in accordance with legal requirements. 
A written response addressing the concerns raised in this letter within 15 business days from the date of receipt.

I believe that addressing these issues promptly and transparently is in the best interest of both parties involved. Failing to do so may compel me to escalate this matter to relevant regulatory authorities and seek legal advice to protect my rights as a consumer.

Company response to consumer: Closed with explanation