BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase closed my account for a " violation of Terms of Service ''. I tried to appeal because I strongly believe I did not do any actions which violated their Terms of Service. They will not provide support to hear my appeal or work with me to understand their reason for this accusation. I believe this account closure was unfair and wrong. 

Not only that, but they send me an email that my account is closed but to " sign in to your Coinbase account to send any remaining balance offsite to an external address ''. However, when I try to sign in, I get an error saying that my account is closed and I can not access anything. I've attempted to reach out many, many times to their support but they mostly provide bots or agents who can not actually help. 

All of my savings are in this account so I am now dealing with incredible financial hardship since Coinbase will not work to get me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i have been a victim of identity theft someone took out a card in my name and is being reported fraudulently to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
original loan amount XXXX outstanding principle XXXX XXXX   original loan amount XXXX outstanding principle XXXX XXXX LOAN DATES XXXX Company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
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:
A couple times last year XXXX and again this spring- a fraudulent account was opened under my name for a Bank of America card. I have XXXX XXXX and they alerted me to this activity and helped me report it and close the accounts with Bank of America. I thought the issue was resolved. I even got a letter saying it was resolved from Bank of America. Recently my husband and I applied for a construction loan and had to have our credit report run. It shows an open account with Bank of America on the report. I called them again yesterday and the customer service agent was not able to find any open accounts under my name, SS # or DOB. Our credit union suggested I file a complaint with you since it was reported on our credit report. Luckily the balance was XXXX, but it was an account opened in fraudulent ways and was supposed to be closed and blocked.

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 2020-06-09
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Webster Bank ( Headquarters : XXXX, CT ) offered its mortgage customers a 3-month Covid-19 deferment, and I applied and was accepted for it on XXXX, with the term beginning on XXXX. The written terms clearly state that " Negative credit reporting is suspended until the end of the deferral period [ XXXX ] ''. 

Yet they immediately reported to XXXX on XXXX that the account is delinquent after only 30 days. 

I emailed them 3 times and called them twice, but they have not resolved the matter. 

They admitted on the phone that my account is properly flagged as " Not Delinquent, Do not report to the credit bureaus '', yet their systems reported it as delinquent anyway, and they have not returned my subsequent calls or emails. 

I would not have entered their deferral program if negative credit reporting was not suspended. I relied upon their promise and clear language to the contrary. 

The impact to me is that my XXXX credit score fell instantly from XXXX ( Excellent ) to XXXX ( Good ) based upon their negative report. This has adversely impacted my job search, my access to new credit, etc. 

Their email responses are clearly just " passing the buck '' around and no one with authority or managerial expertise has contacted me or shown me a clear path to rectifying their incorrect report, as of today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or around XX/XX/XXXX, I opened up a checking account with First Commonwealth Bank. As part of opening the account, I was informed by email and in the terms and conditions that I would receive a {$200.00} bonus for completing 5 customer initiated transactions within 60 days. The terms further stated that the bonus would post within 60 days after the requirements were met. My records indicate that all the requirements were met on XX/XX/XXXX. XX/XX/XXXX is more than 60 days later. Contacting customer support only got me a message saying that it would post the next business day, but it never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: WA
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:
Please remove all fraudulent accounts I have no knowledge of these accounts due to the XXXX data breach/identity theft. All is being investigated by the FTC according to FCRA 605b. This information must be deleted.

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 2017-06-23
Company: Experian Information Solutions Inc.
State: GA
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 asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!

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 2023-06-24
Company: Upgrade, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I redeemed my credit cards rewards points towards XXXX XXXX XXXX XXXX card on XX/XX/. However, have never received the digital card, the only email I received was the rewards order confirmation. 
I called Chase three times during the month, got very nasty responses from the representative and the XXXX of the day. They all told me to wait for a response and is still an open investigation status after a whole month. The representative and the XXXX over the phone said theres no way for them to contact the department whos doing the investigation. They said they escalated it twice, but I still received no communication from Chase either through email or mail. 
The XXXX on the line was very rude and nasty and gave me an attitude. Seriously if the fault is from Chase and you are the representative, shouldnt you try to solve the problem instead giving customers an attitude?! This is very frustrating and unacceptable for chase. I have home renovation projects that are being delayed due to this issue. Chase is not actively taking actions to solve this problem, instead they push back and forth the problems between departments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: MARINER FINANCE, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit was ran twice by the company Mariner Finance without my consent on XX/XX/2019 and again on XX/XX/2019. 

I had an account with this company so they had no reason to run my credit again without asking me with is illegal.

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 2018-07-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been an American Express Platinum  Delta SkyMiles card user for 15+ years with an average card spend of $ XXXX/year while paying the $ XXXX/year annual membership fee. Yet Amex did not treat me fairly or equitably. 

I always pay off my entire balance each month and in all these years, I had never had a late payment! Never that is, until about 7 months ago when I decided to sign up for eBills ( Autopay ) service via XXXX XXXX. When I first signed up, eBills failed due to which I had my first late payment ever with Amex in 15+ years as a platinum  customer. At that time, when I called customer service, Amex DID reverse my late fee and interest accrued ( about {$150.00} ), for the first time EVER on my account. 

After that first mishap, eBills seemed to work well and everything was good with paying off the card automatically each month. However, I noticed today, while scanning charges on my Amex card after a recent trip, that I had accrued serious interest charges which I should not have given that I pay the balance off in full each month. 

Turns out, XXXX XXXX does not consider Saturday a business day ( which is the case with most banks ) but Amex DOES consider it a business day, at least for the purposes of payment due dates and penalties. My eBills was setup to send payment 2 business days prior to the due date for each of my credit cards, because that is how long it takes XXXX XXXX to process the bill pay. For the XXXX Amex payment however, the due date fell on a Saturday ( XX/XX/XXXX ), so when XXXX XXXX auto paid on Thursday ( XX/XX/XXXX ), Amex did not receive it until Monday ( XX/XX/XXXX ). Since XXXX XXXX does not consider Saturday or Sunday a business day, the payment was not delivered to Amex until the next business day which was Monday ( XX/XX/XXXX ). 

This resulted in Amex charging me $ 590+ in accrued interest and late fees. Of course I called them. But despite speaking with several managers, they REFUSED to reverse anything because they had reversed the charges for the only other instance when I had been late, mentioned above, in XX/XX/XXXX!! 

After all these years as a premium customer with never a late payment, that Amex has made tons of money off of via transaction fees and annual membership fees, this is where we are. I have an excellent payment track record that spans years and based on the proof of payment from XXXX XXXX for the bill pay, this was clearly not intentional or a delay tactic. Amex is not acting in good faith!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: KEYCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I became a widow and my husband did the financial transactions. This is the first time I had to handle them. I moved to XXXX  state and opened up a Keybank Account. My son moved me to XXXX  so I called my Keybank account to be closed as there is no Keybank in XXXX After Many months of inactivity on the account a charge was made to my checking account XX/XX/2023 of XXXX. I called the collections to find out about it. They said call Keybank and Keybank said it was a charge from XXXX. I called XXXX and they said I never made a purchase for that amount on that date. I called the collection agency back and they spoke with fraud and since it was 60 days past they would not help resolve that. I thought my account was closed because I called Keybank to collect on the awards that I accumulated. The response was your account is closed so you can not collect on those rewards. I was getting monthly statements and they said XXXX balance every time so I stopped checking the statements that came in. Then I got that collection letter. I would like that collections to be paid since account should have been closed and I did not make that charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a Student Loan through XXXX Mohela and my payments were {$380.00} a month. In XXXX of XXXX, I had to do a forbearance due to being unemployed. When my forbearance expired in XXXX of XXXX, the payments had risen {$490.00} a month. Unfortunately, I had to do another forbearance, in XXXX, this time due to a XXXX and now the payments are {$730.00} a month. 

I called XXXX Mohela on XX/XX/XXXX to see why the payments are so high after my forbearances and they told be it was due to the term of my loan, which is five years and ends in XXXX of this year. 

I asked if there was a way to reduce the payments, because I only work part-time and I have not started back to work yet and they told me there was not way to reduce them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : I am writing to dispute the debt you claim I owe you. I have never signed any contract with your organization or purchased any goods or services from you. Therefore, I need clarification as to why you are attempting to collect a debt from me that I do not owe. As far as I know, I have no outstanding debts with your company. Furthermore, I have not received any bills or notices of overdue payments from you. Therefore, this is a mistaken identity or a fraudulent attempt to collect money from me. I request you provide proof of the alleged debt, including the original contract, invoices, and other supporting documentation. It is my right as a consumer to receive this information, and I will not be making any payments until I have reviewed and verified the debt 's validity. I appreciate your attention to this matter and expect a prompt response from your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
in accordance to the Fair Credit Reporting Act and XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

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 2021-05-28
Company: Lending Club Corp
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:
I reviewed a copy of my currrent credit report and show inaccurate information with creditor name LENDING CLUB account number XXXX. This account has been satifed and paid as agree with no balance which is to be reported as {$0.00}. I have contacted Lending club you advise that this account is closed and paid as agree with no late payments. This account is still shown as open with a balance which is incorrect. I have sent mulitple dispute with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2022-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
Acct name Acct # n accordance with the Fair Credit Reporting Act XXXX  Account XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After a thorough review of my credit report, I have identified what I believe to be an inaccuracy in the reporting of this bankruptcy. As per my records, the bankruptcy was discharged, and I contend that it is currently being reported inaccurately. I kindly request that you investigate this matter promptly and verify the accuracy of the information associated with the mentioned public record. If it is indeed reported inaccurately, I request that you take the necessary steps to rectify the error and update my credit report accordingly. I understand that accuracy in credit reporting is crucial, and I am eager to ensure that my credit history is a true reflection of my financial circumstances. I appreciate your attention to this matter and expect a thorough investigation within the timeframe stipulated by the law. US BKPT CT CA 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