BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: NAVY FEDERAL CREDIT UNION
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:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
Equifax improperly stored my financial information. Their negligence has lead to the release of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JFQ Lending, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received a letter in the mail with the following text : UNDERSTANDING XXXX XXXX PLEASE KEEP A COPY OF THIS NOTICE FOR YOUR RECORD [ My Name ] Your Economic Benefits Your current loan with [ My Lender ] has been identified as benefiting from the aggressive enhancements made to XXXX XXXX eligibility. These changes will generate economic benefits for those, like you, who have a conventional mortgage. 

Some benefits could include a cash disbursement of [ Some Value ], a shortened payment term or a lower mortgage payment. 

What You Need to Do To get the necessary information, call our office at XXXX before XX/XX/2022. Please have Notice Number [ Some Number ] ready when calling our Enhancements Help Desk to discuss your new loan information. 

Note : Due to the number of homeowners positively affected by these changes, call volume may be high. To help expedite the process, please have your notice number available when calling. 


Below all this, in small print, is that the letter is an advertisement. 

JFQ lending and all other companies using this form are engaging in deceptive business practices and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Early morning of XX/XX/XXXX, I attempted to pay a couple of bills online with JP Morgan Chase. Chase, for an unknown reason, decided to lock my accounts preventing me to access my accounts or funds. I was told " We locked your account to protect it from suspicious activity. To unlock it, call XXXX. '' I found NOTHING suspicious about this activity. 

I called the number provided around XXXX. After an hour + wait time, the representative put me though an extensive security check. Once complete, the representative stated, " We can no go ahead and unlock your account. However, before doing so, I need you to answer ... '' Then she proceeded to ask me, who I'm paying. Fine, I understand that question. But then she asks, why am I paying them and how long have I known them. When I explained I didn't think that was her business, she said she this was JPM 's policy and she would escalate this. After about 30 more minutes on hold, I was hung up on. I attempted to call back, but have about a 45 minute hold time, I hung up. I called the executive team, and spoke with XXXX. XXXX expressed how she understood and she was going to make this an urgent case. After about 2 hours of no response, I attempted to call senior management. All phone numbers to JPM forwarded my call back to the regular customer service of a 30 to 45 minute wait. However, I did get through to XXXX XXXX. The most XXXX was able to do, was to tell me he had another call, and that I dialed the wrong number. Then he hung up on me. 

I called back the executive office to speak with another placating and useless individual named XXXX. No help. I called back again and spoke with XXXX. XXXX was o no help as well, except to state he does not know when someone will call me back. 

It is now XXXX on Friday. JPM locked my accounts, took away access to all my money, and then told me to wait around and perhaps, if I'm lucky, maybe someone will help me today. Otherwise, I can wait until Monday to have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
State: FL
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:
In late XXXX, 2018 I received a call from Citibank fraud department alerting me to possible breach. I identified fraudulent charges and was told they would be removed. When I received my bill for the period, there were a total of {$1900.00} in charges there were fraudulent. I called to get these charges removed, and was told they would be. To date there remains some {$450.00} of fraudulent charges, for which I am now expected to pay interest and penalties. My last statement shows a balance due of {$670.00}. I have made numerous phone calls and written a letter to Citibank to get this resolved. All I have gotten from them is run-arounds. The bigger problem now, however, is that while arranging financing recently for a new car I was told my credit score was too low, since " due to a reported debt by a credit card company '' my credit score had dropped from XXXX to XXXX. Unless this issue is resolved, I will be impacted every time I attempt to get credit.

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 2022-07-05
Company: United Collection Bureau, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off the debt and they have not reported it to the credit bureaus and have not removed the accounts in full like 7 other accounts that i paid off on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
1. Bank of America XXXX XXXX XXXX XXXX breaks the law by refusing to dispute certain charges 2. on XXXX/XXXX/XXXX I contacted Claim Departmentregarding the transaction from XXXX # XXXX XXXX XXXX XXXX NY in the amount of {$3.00} that posted to the account on XXXX XXXX, XXXX but a dispute was not filed. 
XXXX. Resolution sought is immediate permanent credit of {$3.00} 4. XXXX 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 2019-02-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Chase closed HELOC when the housing industry bombed in XXXX with no notification. Balance was about {$40000.00} limit {$50000.00}. Was paying interest only, apply extra to the monthly payment which was about $ 150- {$160.00} ; interest rate was 4.01 %. Filed Bk XX/XX/XXXX discharged XX/XX/XXXX, did not include in Bk because daughter on loan and she was not filing. Have never missed a payment since the opening of loan been through Bk. Continued to pay interest payments. XX/XX/XXXX rec call from Rep, it has been 10 years need to start paying principle and interest. Monthly pmt increased to {$330.00} interest rate was 4.26 %. Was told the interest rate would not change, payment would not change because credit limit was closed. Continued to make payments and started to see interest rate increase..XXXX rate would go up and down but XX/XX/XXXX rate was increased to 5.26 % pmt {$360.00}. Called and they would not talk to me because I had filed BK but the rep talked to me to increase the payment. Emailed about the increase to response, had daughter call, XX/XX/XXXX left message to return call. I had called and finally rep would speak with me XX/XX/XXXX and would call back, no return call, XX/XX/XXXX wrote an email accusing Chase of predatory lending they sent me a copy of my contract from XXXX. No response to my direct questions of increase interest rate. Sent another email, rep called this time and all he could say you signed a contract, no explanation to reasoning, nothing. Got of the phone with him which I think was XX/XX/XXXX and again accused of predatory lending because Chase increase the finance charges every other month if not every month so the finance charges eat up any principle balance and requested an amortization and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the XXXX XXXX continues to ignore their duty and remove the negative error from my credit reports.

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 2021-10-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Midland Funding was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail. 
On XX/XX/XXXX, I received a response from Midland Funding regarding my request for debt verification. Within the response from Midland Funding it provided a letter from " XXXX XXXX  '', the alleged original debtor '', that " Midland Funding, LLC. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " XXXX XXXX  '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information.

In addition to the letter from the alleged original creditor, Midland Funding LLC., also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that Midland Funding does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that Midland Funding created the letter aforementioned on their own behalf. I investigated a " XXXX XXXX  '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " XXXX XXXX XXXX  '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that Midland Funding LLC. consider this complaint and agree to the fair resolution requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address ( XXXX XXXX XXXX, XXXX, PA XXXX ) is an incorrect address on my credit report. Please delete this address from my credit report and any account attached to this address, and send me an email once it is removed.

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 2021-11-11
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I get charged several excessive fees when I use an ATM only one time within a day. My account appears as if I made multiple visits. 

My auto pay has been declined when no money is deposited on card. I feel this to has caused me to be charged excessive fees. 

My card has been positive on several occasions and declined. Then the company holds my money in a pending status for 15 to 20 days. Sometimes more than the charge. And while the money is gone the fees pile higher and higher. 

It's a profit scheme to charge fees where no circumstance would have existed had the money in the account not been put on hold. 

I'm sick to my stomach as I have tried for nearly a year to remedy these kinds of actions.

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 2020-12-17
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My home loan was originally with Aurora. I applied for a refinance. NationStar took over Aurora. Aurora staff claimed that they would forward my application to NationStar. NationStar staff claimed that they never received my refi application. I started a refi application with NationStar. I worked for a year and a half with NationStar to get a refinance. I faxed each document they requested twice. NationStar continuously requested documentation that I had faxed to them. During the year and a half that I applied for refinance I had at least a dozen different workers. On one occasion, a NationStar staff said that they received all documentation. Another staff admitted that they were disorganized. As your records show I did submit a complaint. NationStar sent me a letter that they would investigate. I never received any further contact from NationStar. I applied elsewhere and the refinance went without a hitch. I know I have earned compensation for the deep frustration and stress at trying to get a refi with NationStar.

I think NationStar changed their name to Mr. Cooper to give the impression that they were now going to be consumer oriented. I didn't notice any improvement with their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: MO
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:
OnXX/XX/XXXX, I sent a certified letter to Experian to dispute accounts on my credit report. In the letter, I requested documentation that they used to verify the accuracy of the accounts or unverified accounts be deleted promptly. Thirty or less days later, Experian sent a dispute result letter stating that the accounts on my credit report have been verified. However, they failed to send the requested documentation to verify the accounts. On XX/XX/XXXX, I sent Experian a second certified letter, again requesting documentation to verify the accounts or promptly delete all information that can not be verified. On XX/XX/XXXX, I received a dispute results letter, which yielded no new results.

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 2021-05-16
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was buying an international airplane tickets through XXXX XXXX, when I was about to pay my tickets a promotion was showing at the end " save {$250.00} and earn 40,000 miles when you get an XXXX XXXX, apply now ''. I proceeded to apply and lead me to another page, when I applied, I was approved " Congratulations ... you have XXXX '' but then an email was sent to me that I would received the card between 7 to 10 business days. Which means I can't use the card to pay my tickets at the end, usually at any store when you get a new cc you can apply your purchase to the new credit card immediately but it wasn't the case with XXXX Citi bank for my XXXX XXXX. I called XXXX XXXX and explained what happened, their answer was " is not on us there is nothing we can do about it, you ave to call Citi Bank cc. When I called CitiBank, they said " you have to wait till you receive the actual card to make your purchase ''. Now, the hold for an airplane ticket in XXXX XXXX is 24 hours only, impossible for me to pay these tickets with a credit card that will arrive in 7 to 10 business days. I hope you are able to understand my history, it seems to me that XXXX XXXX and Citi bank are playing with the customers, inciting us to apply for a credit card with the misleading promise that will apply a discount and provide us millages immediately. I believe this is an unfair business practices, and should be review it by the GOV. Thank you very much for your time and hope you can look after us. Applying to a credit card is expensive, then is not fair to be plaid by these kind of wrong practices.

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 2018-01-05
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been locked out of my Coinbase.com account pending id verification, which I have submitted numerous times incidentally, since XX/XX/XXXX without even a peep of support follow up from Coinbase. They have never replied to any support request I have submitted in spite of the fact that I deposited money when I originally opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
The information listed here is showing on my credit report but does not belong to me. I have filed a complaint with the FTC and contacted the creditors. I also sent the credit bureaus copies of my identification and social security card. These items must be removed immediately, otherwise the credit bureaus are supporting fraud! 

1 ) XXXX Opened XX/XX/2015 {$16000.00} ( Highest Amount ) 2 ) XXXX XXXX Opened XX/XX/2015 {$500.00} 3 ) XXXX Opened XX/XX/2015 {$460.00} 4 ) XXXX XXXX Opened XX/XX/2015 {$1400.00}

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