BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for a specific XXXX XXXX cable service many years ago. In order to receive this service I needed a specific cable box. The cable box took three months to arrive at my property and was told repeatedly by their customer service agents that may account would be credited for the charges up to when I received the cable box. I did not pay the charges because I was suspicious that I would actually receive the credit. When the cable box finally arrived my account was not credited ( attempting to get the credit was a long and excruciating process as well. XXXX was very rude, and it took multiple hours of my time ). This debt was actually posted on my credit report, and I disputed it through the credit reporting agencies. The debt was then removed from my credit report. However, XXXX continues to provide my information to debt collectors to attempt to collect this debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
TransUnion is not complying with their own policies in a timely manner. I mailed a letter with the date of XX/XX/2021 outlining all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus that has the date XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding the letter marked XX/XX/2021. I see multiple FCRA violations and misleading false information thats being reported from several accounts. Also TransUnion and XXXX is sharing false information that is being reported on my credit report. This information is false and also a violation of my character and my 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 explanation
Consumer complaint received 2020-12-18
Company: MORTGAGE CENTER, LC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Originated refinancing with Mortgage Center NMLS # : XXXX on XX/XX/2020, still in underwriting, over 100 days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When went to purchase a ticket on XXXX XXXX website there was a offer for United Credit Card saying {$250.00} credit plus can get XXXX miles using the card. Both my wife and me signed up for this card using the link. After about week and half later got approved and now they say the offer is different XXXX miles. Called chase and they tell me that I used wrong link asked to sent me information showing our application with the link but they say they can not provide that to us. And this is their final decision. When talked to chase executive services she told me that offer for {$250.00} is still going on but she could not show me on the website where the offer was and I could not see that offer anywhere on United or  chase website. Looks like Chase is changing the offer. I even seen them a screen shot of the link where we signed up for the card stating the offer, but they can not provide me with their information showing that I used wrong link.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Client Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps sending me correspondence advising me of a debt they claim I owe. The letter did not include name of original creditor or any identify data. I believe I do not owe this company anything. I want them to stop. 
The letter with no information on a debt may be out of compliance with FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have attempted to have account disputed on XXXX.17 creditor is unable to verify debt in its full truthfulness. This is a violation of my HIPPA rights as this debt collector is not entitled to collect on a debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: ID Analytics, Inc.
State: IA
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: Problem with personal statement of dispute

Complaint:
Sagestream LLC, who is this and why do they rate my credit score so low? First I have never heard of them and honestly I think they should have to be at least close to the other agencies scores to even be considered to be a accurate credit reporting agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I sent {$2500.00} in Tether ( USDT ) from my XXXX XXXX  to Coinbase on XXXX. At the bottom of this page is their response as to what happened to my funds. 

I have included a screenshot and url that proves Tether to be on their list of supported coins. There is no caveat to support their email response. 

XXXX XXXX XXXX I am also including 2 screenshots and the snowtrace url proving the transaction was delivered to the Coinbase address provided to me by Coinbase. 

https : XXXX Hello XXXX, Thanks for contacting Coinbase Support. It appears that this transaction involved USDT ( Tether ) being sent to Coinbase. I can clarify what had happened here. 

Tether is a type of cryptocurrency which runs on top of the XXXX and XXXX XXXX. Coinbase only supports Tether as an XXXX token at this time. 

While transfers of Tether on the XXXX blockchain include a small amount of XXXX sent to an address, any Tether associated with this transaction is not accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I recently opened an Auto Loan with Mazda Financial Services ( MFS ) for a new car. Shortly after opening the loan - XX/XX/21 - I received a Privacy Notice from MFS regarding my Privacy Rights and my right to limit the sharing of marketing information to their affiliates. 

On XX/XX/21 I responded that I wanted to limit the sharing of my personal information for marketing purposes to MFS affiliates and non-affiliates. I requested a letter or email to confirm this change had been made. 

On XX/XX/21 I called MFS Customer Services to inquire why I had not received the requested notice. The Customer Service agent informed me she saw the requested change had been made to my account. When I again requested a written confirmation of this change to my account I was told that MFS did not send confirmations of those changes. 
I consider this a significant change which ensures I protected my privacy to the extent allowed by law. I do not know why a confirmation was not sent. If I had changed my financial contact information I am sure I would receive a written confirmation. I consider my privacy rights every bit as important. I am not satisfied when I can not receive a confirmation of changes I made in that area. It causes me to suspect a motive - not beneficial to my request - on the part of Mazda Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX 2017, i disputed online to your collection agency asking for validation to this debt. I am not requesting for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. A copy of a signed contract by me with your collection office, a copy of the original contract between you and i?? If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im mystified all this time. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint 2nd time already. You claim Im not the one submitting it. This to me is unbelievable. So Im submitting it again hopefully this is for the last time. Transunion has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that established this legal issue but they have disregarded these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked or removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-01-28
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My father XXXX XXXX XXXX XXXX in 2014. We did not settle his estate through probate. His surviving spouse has been living in the home that my sister and I shouldve inherited 2/3 of. The wife isnt on the deed or mortgage. 
The bank, XXXX XXXX, foreclosed on and sold the house through statutory foreclosure. 
The only person they notified of the foreclosure was the spouse. 
The bank did not try to settle the debt with estate. The only person they contacted was the spouse. She is not the executor of estate nor is she the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 2022-02-17
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/XXXX I contacted Experian about the fraudulent collection XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1400.00} ). Attached is the dispute I mail them certified mail. To this date they have not respond to my dispute or remove the fraudulent collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an American Express XXXX card on XX/XX/2022. I was sent an adverse action notice on XX/XX/XXXX, XXXX following that I sent 2 offer rejected notices for the adverse action letters I received. American Express National bank keeps telling me that I was denied due to my XXXX  score, which is false and I explained how that is false along with PROOF as to how I can not be denied of my own extension of credit. American Express National bank has broke Federal law and I have been discriminated against being that my federally protected consumer rights were severely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the closing documents provided to me by Caliber Home Loans, Inc. ( CalibeXXXX XXXX immediately before the date of my mortgage settlement, I was informed that my total monthly mortgage payments for years 1-7 of my mortgage loan would be about {$890.00} and decrease thereafter. Of this amount, about {$200.00} was estimated to be necessary to cover my escrow requirements. I recently received information from Caliber, however, that indicates that my escrow payment was not estimated correctly and there is a shortage in my escrow balance. To make up for this pervious shortage and to account for future shortages, Caliber has increased my escrow payment by about {$350.00}. When I called Caliber to inquire about this matter, I was informed that the initial disclosure documents provided at settlement only contain estimates and its rather common for those amounts to increase in the future. I was also told that the shortages may be due to a tax miscalculation done by Caliber before the date of my settlement. 

Such a response is unacceptable. While escrow payments may increase due to slight tax fluctuations in future years, I fully expected that the initial disclosure provided to me by Caliber at settlement was accurate, especially given that tax information is publically available and CalibeXXXX billed me for a XXXX XXXX XXXX. An increase of about 173 %, however, in the escrow payment is material and Calibers failure to disclose a reasonably accurate escrow payment at closing was a material misrepresentation and/or omission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was originally approved with avail credit of $ XXXXon Chase Sapphire card. Yesterday I received notice from them they decreased my available credit. I have always paid them more than minimum payment .. on time no lates .I called Chase today. The rep told me that on a credit review the decision was made to reduce available crediit. I asked the rep why, since no lates more than min. Paid every month. She said the credit review determined this? No reason given. I told herthis change could potentially reduce my credit score. She advised me they dont care aboout credit scores. For someone that has been trying to fight bad credit score my whole adult life ... I do care .This is UNFAIR. If I had paid late or missed payments by all means reduce the available credit. This will only result in hurting my credit scores .Available credit cut almost in half. It makes me wonder why consumers try at all. This is a huge setback for me is all. No resolution from them except to say not their concern. So UNFAIR, as they had no reason for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, 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:
LexisNexis is violating my right to privacy according to 15 USC 1681 ( a ) ( 4 ) and has had no permissible purpose to STEAL MY IDENTITY according to 15 USC 1681b ( a ) ( 2 ) they have caused me a ton of distress with seeking employment and financing in these hard times. They are causing me to lose sleep and not advance in life. I need help! As a 3rd party data furnisher I did not give them permission to use my identity for their financial gain!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
There are 9 accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account

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