BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Transform Credit Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX had a security breach in witch my personal info has been out. Someone has been using my SSN to attempt to open credit cards and bank accounts. I have had my credit files locked and a security freeze placed on all three coedit burros Transform XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Address identification number XXXX They have issued credit to someone using my SSN with out doing a credit check and will not answer the phone. What appears to be Transform, has text me asking for peroneal information after I left them a message. This is suspicious to me. They will not call me or answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Coinbase, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/21 I converted a bit over $ XXXX of Ethereum to XXXX and it only gave me $ XXXX worth. Then the price went from {$0.00} XXXX {$0.00} and I converted it back to Ethereum and then my portfolio had $ XXXX. I should have made XXXX % profit on the trade minus the 1.5 % conversions. I ended up losing > {$200.00} when I should have made ~ {$1000.00} and now it looks like I made money from the conversion since $ XXXX disappeared upfront for tax reasons. Help? 

$ XXXX ETH -> $ XXXX DNT conversion DNT went {$0.00} to {$0.00} in XXXX minutes. DNT total still only showing $ XXXX $ XXXX DNT -> $ XXXX ETH It should have been ~ {$3900.00} DNT * XXXX = {$5200.00} DNT -> {$5100.00} ETH

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
My identity was stolen and used to open several payday loans through Advance America online. I was unaware of these loans until I started to receive past due bills. I contacted Advance America and notified them that this was identity theft and filed a police report which I also sent them on XX/XX/XXXX of XXXX. I was told that if I filed a police report and sent it to them that I would not be liable for these loans. They have now sold them to debt collectors who are harassing my family, they are not contacting me directly because the phone number that they have is one I have never owned and one that the suspect used to open the loans. I have contacted Advance America several times and have also contacted the debt collector XXXX several times and am being told they can not give me any information and that I have to go to court and present my case to a judge. I dont see how that is legal. The loans should have never been sold and I was never contacted by them. I also dont see how its legal to give one person so many loans within such a short period of time. 

XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3900.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 and XX/XX/2021, money was taken out of my chase account. The amounts were {$270.00}, {$29.00} and {$68.00}. I did not authorize these charges. Someone hacked into my account. XXXX reimbursed me, a few days later, then on XX/XX/XXXX, they swiped it out again. I did not authorize these transactions at all and when I spoke to chase, on XX/XX/XXXX, they refused to help me. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: CITIBANK, N.A.
State: MD
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:
We didn't make the following purchase, however, Citi bank denied our claims. 
XX/XX/2022 $ XXXX # XXXX XXXX XXXX  XX/XX/2022 $ XXXX # XXXX XXXX XXXX  XX/XX/2022 $ XXXX XXXX  # XXXX XXXX XXXX XX/XX/2022 $ XXXX # XXXX XXXX XXXX The reason for citibank to reject our claims is that their investigation indicated that the transactions were made at a chip-enabled card reader. Our cards were with us, and we physically stayed in the XXXX for the month of XX/XX/2022, and we can provide proof of that. We never made the transactions.

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 2019-11-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: MO
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:
I noticed an unusually large number of unauthorized inquiries on my XXXX, Experian and XXXX   credit reports. 

Via certified mail, I submitted a FTC identity theft report to each credit bureau along with a copy of section 605 of the FCRA and a copy of my drivers license so the inquiries would be blocked within 4 days of receiving the letter per the FCRA criteria. I have proof the letters were received by each credit bureau on XX/XX/2019. 

It is XX/XX/2019. As of today the inquiries have not been blocked per the FCRA regulations.

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 2023-06-23
Company: Payfare International Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was working for XXXX and got a call claiming to be XXXX  support saying my order was canceled and they needed some information to verify my account. Then a couple minutes later my account was cleared out of all {$830.00} in 8 different unauthorized transactions from my XXXX card by XXXX through XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an existing lease with my car which will expire in XX/XX/XXXX. My lease is held by Chase Bank. I have a perfect payment record since XX/XX/XXXX which is when I signed the lease. However, my credit report regarding my lease is negative since I filed for bankruptcy in XX/XX/XXXX which was closed in XX/XX/XXXX. I did not include my lease in that bankruptcy and I held on to my car with continuing to make prompt payments. I have never been late and my account shows that I pay at least 10 days early each month. I submitted all paper work to Chase and my attorneys have contacted them as well and I have spoken with them numerous times. They refuse to report my excellent status and continue to report that my account is closed due to bankruptcy and in derogatory status. 
They insist that since I have a bankruptcy on my record that they have the right to report it on my credit report with them. This is affecting my ability to lease another car because of the inaccurate reporting by Chase Bank. I have had two accounts with Chase in my life time for cars and each one was in excellent standing. My bankruptcy in no way affected my lease and yet they are affecting my credit and credit score negatively. Please help me to have this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I have been in touch with XXXX on several occasions in regards to repaying my student loans. When I contacted a Consolidation Representative on XX/XX/18, I was informed that my loans were eligible for REPAYE, especially since I am a XXXX XXXX XXXX. I was quoted a repayment amount of {$740.00} for the entire amount that I owe, including Parent Plus loans. I received correspondence from them not too long ago indicating my monthly payments were over {$1800.00}. I called to find out why yesterday. The first representative I spoke to in the early afternoon told me that since I included my parent plus loans in the consolidation, I was ineligible for REPAYE. He offered that the loans could be reviewed and that I could combine mine with my husband 's which would result in a lower payment. My husband contacted XXXX later in the day and was told that this was not possible. I called last night and it being not possible was confirmed by a Supervisor. I was told it can be reviewed since it affects our income and there was a possibility it would change my monthly payments but probably not by much. I was informed during both phone calls that an another option would be to file my taxes separately but can't understand why this was mentioned to me at such a late date. Please keep in mind that I have been contacting XXXX in regards to my extremely high debt since XXXX. The repayment plan they assigned me basically is 20 % of mine and my husband 's income and takes no consideration into our bills, his student loan payments, etc. They advertise options to help people who have difficulty paying but to date it appears the only options are to defer which only incurs more interest and debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the beginning of XX/XX/2018 I contacted XXXX XXXX via an internet advertisement. A loan officer, XXXX XXXX, from AmeriServe contacted me as a result. I disclosed all of my financial info verbally and again via their electronic transfer questionnaire. Due to my credit score being over 800, and my loan to value ratio quite low, they issued a " Loan Terms Agreement '' statement showing " Points '' at {$930.00}. But when the actual application was to be submitted that required my electronic signature, the points changed from {$940.00} to {$1300.00} which is about {$420.00} higher than was quoted. 

In my opinion this is a " bait and switch '' tactic. I verified with another lender that there was no change would have occurred during this time period for any client with my qualifications with any lender. 

They also charged me {$550.00} for the home appraisal, which was never completed. I called the appraiser and he informed me that he had received the initial order but when he called them to verify the transaction, they never answered their phone and would not return his calls. 

I called the lending agent I had been dealing with and told her to cancel the transaction as I did not approve of their business practices and questioned their integrity. Also requested the return of my {$550.00} deposit. As of this date it has not been received. 

Her reaction to this call really surprised me. She replied " Oh, Ok and said goodbye and hung up. '' Really an odd reaction after all of the time and effort we both expended. 

I obtained my loan from another reputable company and everything went as expected. 
This company also required info on my wife as she would also be required to sign documents as an additional party to the loan. AmeriServe agent claimed that was not needed. Very strange.

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 2021-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is the name of the company. I have no idea who this company is. This company calls my phone multiple times a day everyday all week constantly. The company never leaves messages nor voicemails just constantly ringing my phone from hundreds of different numbers but they all show on my caller ID as Portfolio Recovery. This is harassment now. I'm tired and I have tried all kinds of blocking services but somehow they still get pass the blocking and call from multiple numbers. The last call was today at XXXX pm and the telephone number was XXXX. Please help stop the annoying calls. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: EQUIFAX, 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: GA
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:
ON XX/XX/2021 I SENT A LETTER REGARDING UNKNOWN ITEMS AND INACCURATE THINGS ON MY CREDIT REPORT TO THIS DAY XX/XX/2021, XXXX  DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET AND I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND IGNORED OF MY DISPUTES. MY INFORMATION WAS ALSO AFFECTED BY THE EQUIFAX DATA BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
DHI Mortgage : company NMLS # XXXX, Branch NMLS # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX This bank has been made the process extremely difficult and abusive. Ive provided XXXX, mortgages, XXXX fees, bank statements, paychecks, property management paperwork for precious properties. I am placing more than 50 % down on a home that XXXX. My XXXX XXXX XXXX was on extension. They required a letter asking why? I got my accountant involved but they did not want to have a conversation as to what they required beyond Proof of extention. My accountant worked over the weekend to complete the extension and they are requesting a transaction # that the govt accepted it. They want me to resend all the paperwork I sent the previous month to this month because XXXX info is now considered outdated. They still require a letter as to why I needed an extension. After I uploaded more information this past weekend ( XX/XX/XXXX ) and speaking with the XXXX  XXXX this same day as to what is ADDITIONALLY required, I received an email from the bank that I have not been in contact with them and That Ill be in default within the next XXXX where they want to keep my XXXX deposit. What course of action do I have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I recently reached out to Transunion via telephone, I informed the representative that I notice on my credit report that I have several inquiries that I didn't authorize. I explained to the representative that I believe the unauthorized inquiries may be a result of the inquiry issue Transunion experienced within 2017. The representative refused to assist me with having the misreported inquiries removed. I have reached out to the companies directly and reported the inquiries as fraud but they were not removed. Below is a list of the inquiries listed on my credit report that were unauthorized : XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) I would like your assistance with having these unauthorized inquiries removed. 

Thanks, 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 2017-09-18
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX XXXX I received a bill from CITI AADVANTAGE Platinum Select Card for what appears to be a yearly fee. I have not worked with this company to my recollection, was not aware I had this credit card, did not possess the credit card, and do not want the credit card. I called to ask them to cancel the card and they asked for a lot of personal information. Since I did not remember asking for the card in the first place, I did not want to give out personal information. They said they could not help me. I received another bill in XXXX XXXX for the same amount, and so I wrote a letter to them asking them to cancel the card and close the account. They responded to my letter by saying that I was responsible for the card. I then received letters from them that my account may be compromised. 

I just want them to cancel my card and leave me alone.

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 2018-09-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
DEAR CFPB : This matter is in regards of a debt collector that uses several phone numbers to contact me. I explain the debt collector that i need the fallowing information : 1 ) verification of the debt. 2 ) tp provide me with names and adresses of the original creditor. 3 ) tp provide me with days, dates, bills, from the original creditor. 4 ) provide me with the policy number on my insurance card. Further more i explain and i spoke with the debt collector male who refused to give me his name. And I told Him : 1 ) DO NOT CALL ME ANY MORE. Its against State and Feral laws. DO NOT CALL. 2 ) DO NOT HARRAS ME ANY MORE.3 )  DO NOT THRETENING ME ANY MORE. Date collector wrote me a letter XX/XX/2018. Date i wrote the collector answering Him : XX/XX/2018. Thank you. Very Truly yours ...

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 2018-09-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent to the collection company Fair Collections and Outsourcing for an apartment residence I lived in 3 years ago. I was charged a 2 month penalty fee for leaving a lease early. I paid a debt of {$2900.00} to XXXX XXXX XXXX in the form of a cashiers check that was express delivered with signature required by the USPS on Monday XX/XX/2018. The supportive documentation will show a conversation by myself and the VP of Property Management where they state they will " gladly write me a letter '' to say the balance is paid in full. This shows on my credit report as having this debt and it has prevented me from obtaining an apartment in XXXX where I reside. I am in need of an apartment immediately and I have been told by numerous rental companies that I can not rent without this being resolved. I took the necessary steps to correct this issue but I have not received the letter after several voicemails and emails were placed to XXXX XXXX. I feel this is not fair to punish me for something I have remedied. I can not make this company write me a letter and my only other option is to contact the credit bureau to show proof I have paid this. Please help me to clear this up as it is negatively affecting my current living situation, future, and credibility. Also this credit company FCO calls me approximately twice a day every single day of the week. When will all of this stop? The consequences of this have become detrimental to my life currently. I need something to be done.

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 2019-10-24
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Called - XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX both from ( XXXX ) XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XXXX Each time they have called I have requested they no longer contact me via phone, requesting that written correspondence be sent to my address on file. Each time I ask if there is a note in the file detailing that I have requested not to be contacted by phone, in which they verify that they are aware that I do not want them calling me. Call on XX/XX/XXXX the gentleman stated that he mailed a letter on XX/XX/XXXX regarding the two day delinquency, but was calling anyways.

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