BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: JPMORGAN CHASE & CO.
State: FL
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:
XX/XX/XXXX Expanding on existing OPEN case against XXXX Case # : XXXX XXXX  has called and left a message however, the message was " garbled ''. I can make out it is XXXX calling but after that the message fades out as if the person turned away from the phone. I can not hear the number to call back or what it is they are going to do about this matter.

I believe XXXX is ignoring this issue and has no intentions of resolving it. The caller seemed to purposely make it impossible to hear the call back number.

This is similar to when I would call XXXX and be put on hold until I was disconnected. Or when I'd email them and I'd be sent links that didn't open. Or when I'd start a chat, they'd time me out while they did their " research '' so I was disconnected to that person! I am sick of their way of doing business! I want this matter resolved.

Below is the original complaint : XX/XX/XXXX Consumer Financial Protection Bureau Hello, I have XXXX XXXX XXXX XXXX credit card. I have been receiving bonus/rewards money for using the card on XXXX and to make other purchases. XXXX  has taken that money. It was a couple hundred dollars which I was purposely letting build up. I have emailed XXXX three times asking where my money is. XXXX refuses to address this matter, redirecting me to non-existent links.

When I call I get put on hold until I am disconnected. When I start a chat the person says to hold while they investigate and I am disconnected. When I email I am told it is being working on and they will get back to me - no one has gotten back to me and I have been at this for almost a month now!

I did not use the rewards money, nor transfer it, nor authorize XXXX  to take it. My point is, that money was building up and XXXX took it, all of it! XXXX has been giving me the runaround because they are a huge company and think they are not accountable for stealing!

I want my rewards money returned to me. I want XXXX to put that money back on their website, at the the checkout point, where it has always been.

What a disgusting company to think they can just take my money and I'm supposed to lay down and take it because they are XXXX! They are becoming an abusive, customer service nightmare!

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was being serviced by XXXX XXXX XXXX. It was transferred to Mr. Cooper on XX/XX/XXXX. I was notified by Mr. Cooper regarding the transfer. Since that notification I have been in contact by with Mr. Cooper by phone 9 times regarding a missing payment from XXXX and {$3000.00} in late fees assessed by XXXX. XXXX will not speak to my because I'm not their customer anymore. My mortgage has been on auto pay for years to prevent late pays. I never received any notices from XXXX. Each time I call Mr. Cooper the story changes. I was told at first this is a common problem when a company takes over servicing the loan and they had 60 days to get things corrected. My latest call to Mr. Cooper on XX/XX/XXXX they told me XXXX says I missed a payment 9 years ago and they have been assessing late fees each month because I'm a payment behind. They also said that I missed a payment in XXXX due to a broken stove that I had to replace. This is completely untrue. I have never missed a payment due to financial reasons. I have never received any notification of a missed or late payments from either company. I believe the auto pay which was recommended by XXXX gave the company the opportunity to charge late fees even though the payments were on auto pay. Which they said would avoid late fees. Mr. Cooper says they have a letter from XXXX that I was notified. I never received such a letter. I think it's possible both mortgage servicing companies are fraudulently charging customers late fees and missed pay charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 request Transunion supply me with original documents with my name, signature, DOB, address and any other legal identification connecting me to these accounts. It has been past the standard 30 days and have NOT received anything my physical mail. 
I am still showing accounts and hard inquires on my account that I have requested to be removed. 
XXXX XXXX XXXX  {$490.00} ( I did receive a mail copy from Transunion stating this item was DELETED however it is still showing on my report. ) XXXX XXXX XXXX {$1300.00} XXXX - XXXX {$21000.00} XXXX XXXX XXXX - XXXX {$3500.00} XXXX - XX/XX/XXXX {$1800.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX - XX/XX/XXXX {$6800.00} XXXX XXXX XXXX - XX/XX/XXXX {$2200.00} XXXX XXXX XXXX - XX/XX/XXXX {$3500.00} XXXX XXXX XXXXXX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX$3500.00} There is also hard inquiries. 
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 I have requested numerous times to have all of these removed from my report as this is HIGHLY effecting my score and the future of my family.

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 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One credit card- there was a few fraudulent charges made by someone to XXXX I spoke with customer service on XXXX occasions and explained that I did not make these purchases, in fact I had yet to use the card at all as it had just arrived in the mail. On XXXX occasions I was assured the charges would be reversed due to fraud. I spent at least XXXX  hours on just the first phone call- the length of time spent by me to resolve this is not appropriate for a credit card company. I continue to receive notices for payment plus late fees. I cancelled my card due to the frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX I came to the XXXX XXXX XXXX XXXX XXXX to see about getting my smile corrected. I filled out the application with the pay to the order of : XXXX XXXX XXXX XXXX and I signed my name along with my social security number to have procedure paid in full. I discovered on XXXX that XXXX XXXX XXXX conducted a soft pull on my credit report without my knowledge or consent. The date of the transaction was XXXX before I filled out the application which is odd to me. I spoke to a representative of clear choice on XXXX about this situation and he denied that this transaction even took place, He also stated that the only way that can happen is if I asked for funding which I did not. So I made sure I received a copy of the application before I left that day. I sent a letter asking for documentation of the authorization for this transaction that took place and no one has responded to me. I recently had an appointment on XXXX and I was asked about how I was going to pay for the procedure. I had to do an application for Care Credit and my application was denied without reason. Once I signed the application and stated pay to the order of : XXXX XXXX XXXX  XXXX XXXX, I was not supposed to be asked about more payment, especially {$35000.00} worth of payment.

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 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
transunion report td auto finance XX/X/2016 & XX/XX/2016 I tried disputing these inquiries but was told they are matter of fact without doing investigation. which they are required to do and if they were to follow the rules would find out inquiries were not authorized by me. I am asking to do full investigation on said inquiry to clear it from my 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 2022-12-02
Company: Coinbase, Inc.
State: CA
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:
Coinbase XXXX XXXX XXXX : On XX/XX/2022 I made a purchase at a restaurant for {$48.00}. Coinbase has continued to hold {$140.00} ( Coinbase lists the charge as pending ) which has resulted in 6 Declined Charges to my card since I have been unable to access the {$97.00}. 

I have contacted Coinbase numerous times and not only have I been directed to out of country service reps who don't know how to handle the situation, when it gets escalated back to the US team they point back to the retailer ( Coinbase will not take phone calls in the US ). The retailer has provided me proof that they submitted to Coinbase the charge for {$48.00} and NEVER hold extra amount over the charge as a matter of policy. 

This amounts to theft of {$97.00} by Coinbase and at least 10 hours of time, duress, embarrassment, pain and suffering, emotional distress and general XXXX The retailer can not understand why this banking group has a hold as they DO NOT hold funds like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting these 2 companies below AccountXXXX XXXX Company- 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 non-monetary relief
Consumer complaint received 2021-10-25
Company: ENCORE CAPITAL GROUP 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:
Currently I have been reporting fraud on my XXXX XXXX account. I keep being charged by Midland Credit Management on Behalf Of XXXX XXXX, XXXX & XXXX. I have never opened any type of account with either Company, I did report this many times to XXXX And XXXX XXXX Many... Many Times but they keep putting this back on and deleting stuff that I actually owe They recently took XXXX off my Account When I actually do own that account I personally walked in and opened that XXXX account to start my Credit when I was younger I only stayed XXXX because I was letting you guys know I had existing accounts that were actually mine with debt and I wasnt complaining about it I dont know who is responsible but they took that the wrong way I Need XXXX Back On My Account Im only reporting fraud On The accounts Midland Credit Management keep bothering me about ( XXXX & XXXX ) which are accounts that were open fraudulently My car was stollen from the front of my house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just found out these accounts were open around XXXX and they have a address in the same city of XXXX on The account that isnt mine I received this info by an employee due to a call I had made to the Midland Credit Management to complain ... I also just received the police report of my car being stolen from the front of my house!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: AL
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 : XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX, # XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, # XXXX XXXX XXXX  Account # XXXX XXXX Bank Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX The referenced accounts above have 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 : States that a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is against paypal credit and PayPal Mastercard. I explained i was affected by covid. The said I used my 3 months of help. Unfortunately it is still going on. They call 20x a day texts messages and call from different numbers. I told them I can not pay they said they are reporting it to credit bureaus and I asked for them to stop calling and after my mortgage is paid and my XXXX year old eats I will pay something if I can. They continue to call

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 2022-11-25
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX U.S.C XXXX section XXXX A states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer reporting agency can not Furnish a account without my written instructions I Asked the Credit Bureaus to do a verification of everything on my credit report and they did they said everything on it is accurate on my credit report they stated it was accurate after they did there own investigation I Did a thorough research my self and I found out improper inaccurates on my credit report even after they did there research on this account thank you company name : XXXX XXXX XXXX XXXXXXXX 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 2022-05-30
Company: ENCORE CAPITAL GROUP 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:
I am making a second complaint against Midland Credit Management for being in violation of 15 USC 1692 ( a ) & ( d ). Per previous compliant, this company did not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me. A trilateral contract was not provided that they legally obtained my personal information. Midland Credit Management attached statements which are not bills. Midland Credit Management promised to cease communication & close my account but has not deleted this alleged debt from consumer reporting agencies which is indirectly communicating with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-30
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-06-27
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a copy of a promissory note from the organization XXXX for a XXXX XXXX Loan from XXXX. The personal information on the document is either irrelevant or fabricated. XXXX was able to garnish my wages without contacting me. 

On the promissory note, the information provided is completely fabricated and uses my maiden name ; I legally changed my name in XXXX. I lived in XXXX - XXXX XXXX - from XXXX to XXXX, at which time XXXX XXXX Loans were taken out in my name in XXXX, XXXX, and XXXX. Additionally, the information connected to the XXXX references is not even people I am connected with. The mailing address, phone number, and email address are fake. According to XXXX, the loan was disbursed to the University XXXX XXXX ; however, the University XXXX XXXX states that they do not have a record of the disbursement. 

In closing, a loan of {$21000.00} was taken out using inaccurate and fraudulent information connected to me ; the only information which is correct is my birthdate and social security number.

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 2018-11-24
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax on XX/XX/2018 I file with the CFPB a complaint ref XXXX you reponded you were working on dispute and more time was needed. It has now been over 60 days sense CFPB sent you the dispute and you are in violation. { remove this account at once forever for failuer to respond. it clearly shows that there is no evidence I own this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2021 my wife and I stopped by a kitchen remodel store called XXXX XXXX. We had a meeting with their sales rep and they said they could build us a new kitchen. After the meeting we signed a contract. Three days later we cancelled and told the sales rep. He said he would notify the owner but days later we received three credit cards from Synchrony bank totaling close to {$34000.00}. We have tried contacting Synchrony home since XXXX XXXX XXXX and they still do not resolve. We told them that we have not received any good or services from the owner of XXXX XXXX XXXX XXXXXXXX . Synchrony home always takes the merchant 's side. I have told Synchrony all they need to do is send investigator over to our house to show us what XXXX XXXX has provided for us. Nothing was provided and they want to charge us. They need to send bill and charges to XXXX XXXX because he must have taken the money from Synchrony and ran, never providing us with any goods or services.

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