BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America alerted me on XX/XX/23 that a charge of {$160.00} was made to my checking account at XXXX XXXX XXXX in XXXXXXXX XXXX and questioned whether I was making or authorizing this charge, I was not. I promptly reported the charge as fraud. Bank of America informed me that it would be taken care of, and temporarily refunded the amount to my account. However I received a letter in the mail XX/XX/23 that the funds would once again be removed on XX/XX/23 and if I wished to dispute it, to send them a letter. I mailed and faxed a letter on XX/XX/23 to once again dispute the charge as I did not authorize the purchase, and have not received a response.

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 2018-08-24
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.

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 2023-01-04
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/2022 we got a Cashiers Check from XXXX XXXX in the amount of $ XXXX it was deposited into an active Chase Bank Account , and we have the receipt of the deposit and the purchaser copy of the Cashiers Check. We spoke with Chase Bank they advised us it is an open account, and they flagged it as fraud. We told them we are trying to get our money back, and was just told to file a Police Report. They have not been much help in helping us get our money back for fraudulent activity. Please advise us on how to get our funds back. The cashiers check supposedly was to clear on the XXXX. We have all documents that this is fraud and we would like our money back from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX i endorsed my paycheck for my daughter ( XXXX ) to deposit in her bank ( BB & T ). She did. Within 30 minutes BBT 's mgr. called XXXX 's to come back and get the check they can't deposit it cause im not on her account. We did. I then cashed it at XXXX XXXX XXXX, {$970.00}. On XX/XX/XXXX the check was returned to XXXX XXXX XXXX cause it was already cashed. BBT accidentally deposited it after giving it back to me/us. on XX/XX/XXXX XXXX XXXX XXXX called me w the bad news so I went there and paid them {$970.00}. I went to bbt they couldn't figure it out right away and said ( blamed ) me for fraud and closed XXXX 's checking account. After we argued 3 - 4 days bbt realized and had me bring the receipts from XXXX XXXX XXXX showing I paid them back. Then at bbt i signed a radification form to open XXXX 's account up w the deposited money in. All is fine until XX/XX/XXXX when bbt closed XXXX  's account. Taking {$970.00} out.Transaction says a Adjustment case - {$970.00} which put her account at - {$270.00}. Saying it was fraud on our part. So w my jobs assistance, their payroll co. ( XXXX ) and XXXX ( my company 's bank ) my check was traced and showed on XXXX bbt deposited it and it cleared through XXXX. bank on XX/XX/XXXX. Bbt denies this and On XXXX started their investigation. I personally handed bbt my/our proof of letters. On XXXX their results claim they don't know where it is or they sent the money back to XXXX. XXXX denies this.

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 2021-06-24
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from Sequium Asset Solutions LLC regarding a {$34.00} XXXX XXXX XXXX phone bill that I do not owe. I immediately mailed the notice back disputing the charges. I sent the dispute to them via mail on XX/XX/2021. Sequium responded to my debt validation notice and instead, reported the account as collections to the Credit reporting agencies. What Sequium Asset Solutions LLC did was violate my rights as a consumer and I am seeking remedy in this situation by having them remove the erroneous charge from my account and send the proof in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: JPMORGAN CHASE & CO.
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:
JPMCB HOME XXXX - ACCOUNT WAS NEVER LATE. Fair credit reporting act violation. How is this verified? Not Late. Inaccuracies placed on my report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Failed to have adequate processes for accurately reporting checking account information : Chase failed to establish and implement reasonable policies and procedures for reporting information about consumers deposit accounts. Without adequate policies and procedures, there is a risk that a financial institution may report inaccurate information about consumers checking account history. These companies are required by law to provide consumers with the results of investigations into their disputes. Between XX/XX/XXXX and XX/XX/XXXX, Chase failed to provide this very basic service to thousands of its customers who were left in the dark about the disputes they filed with Chase. 
ursuant to the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act, the CFPB has authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the CFPB order released today, Chase is required to : Ensure accurate information is reported : Chase must implement reasonable policies and procedures regarding the accuracy of information on consumers checking account behavior that it sends to consumer reporting companies. 
Inform consumers of investigation outcomes : Chase must report the results of its investigations to consumers who filed disputes with the bank regarding the information reported about them to consumer reporting companies. 
Provide consumers with contact information : Chase must provide consumers with the contact information of the consumer reporting company that supplied information that Chase used to deny an application for a deposit account. 
Pay a {$4.00} civil money penalty : Chase must pay a {$4.00} XXXX penalty to the Bureaus Civil Penalty Fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
on Friday at XXXX pm I received an e-mail from XXXX that my Conversion from XXXX was unsuccessful. I have submitted a Case with XXXX on Sat, XX/XX/XXXX, XXXX XXXX 

I am concerned that XXXX is taking too long to fix the " glitch '' that occurred apparently I was not supposed to do this conversion because it was not intended. 

The balance before the glitch, which multiplied everyone 's balance by XXXX times, has been restored, but we are still unable to trade. XXXX. 

We are still waiting to hear if we can trade XXXX, and if this is fair practice by coinbase, given the length of time it has been. 

Thank you kindly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: MD
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: AR
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 the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX Card 15 U.S.C 1681 Section 602A states that I have the right to privacy 15U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-09-13
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
1 # MY CALL IS ENDLESS WITH THE NFCU AND ITS WEAK CUSTOMER SERVICE AND MANAGEMENT ON THE PHONE TODAY. 
WHY DO YOU FEEL LIKE ITS OK TO XXXX ME AND WHEN I GET MAD YOUR ANSWER IS TO HANG UP ... WHAT THE XXXX! 
I HAVE A PROBELM WITH A SIMPLE FACT I SET UP WITH YOU ON A RECOREDED LINE TO PAY XXXX TO PRINCIPLE. WHEN DOING SO YOUR REPRESENTATIVE NEVER SAID ANY AMOUT WAS GOING TO PRINCPLE. MY 1ST PAYMENT IS DUE XX/XX/22 AND I PAID WELL IN ADVANCE NEVER BEING TOLD MY XXXX WILL NOT GO TO PRINCIPLE. 
# 2 MY CREDIT CARDS : THE ONE WITH MY SON XXXX XXXX ENDING IN XXXX SHOWS UNLOCKED YET WHEN ITS BEING USED FOR XXXX IT IS DECLINED. YOU ARE A MESS AND I AM TIRED OF TRYING TO SPEND ENDLESS HOURS TO FIGURE XXXX OUT. 
FIX YOUR APP/WEB APPLICATIONS THAT ALLOW ME TO HAVE CONTROL OF MY MONEY AND MANAGEMENT GET IN LINE WITH HELPING PEOPLE AND TRY TO UNDERSTAND THE FRUSTERATION WHEN YOU XXXX WITH MY FINANCES!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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:
I purchased XXXX virtual tokens ( also called REP ) in 2 separate transactions, one on XX/XX/XXXX and one on XX/XX/XXXX, from Coinbase Pro for a total of {$780.00}. I tried to withdraw these tokens to a wallet address sometime between the XX/XX/XXXX purchase and XX/XX/XXXX, which was when I notified Coinbase that I was getting an 'internal server error ' message when I attempted to withdraw to a wallet address. Coinbase asked me more questions about the issue and claimed they sent my problem off to a specialist to further investigate the issue on XX/XX/XXXX. Since then, I have not heard from anyone besides Coinbase 's first line support that yes, my case has been sent off to a specialist, but they will give no further details. I have been patiently waiting for answers for almost 1 month, which is far beyond the 4-5 day resolution time they initially quoted me. Coinbase is putting me at risk of losing my tokens in the event of an exchange hack or a delisting. The entire point of cryptocurrencies is that you can send them when and where you want without a third party getting in the way ; however, this is exactly what Coinbase is doing and they won't give me answers or try to remedy my situation. In essence I've been sold a worthless product by Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from Experian, XXXX, or XXXX  about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information 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 non-monetary relief
Consumer complaint received 2020-10-26
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To Whom It May Concern, Please consider this an official letter of complaint regarding my interaction with Guild Mortgage Company. 

On XX/XX/2020 I began my home search. The realtor I was using referred me to XXXX XXXX with Guild Mortgage to begin the financing part of the purchase process. After initially speaking to XXXX I realized I needed to prepare more before beginning the process. Afterwhich I chose to begin the process on XX/XX/2020. I continously kept in contact with Mr. XXXX and followed and provided whatever information was required of me-TIMELY. On XX/XX/2020 I put in an offer on a home and my offer was accepted thus beginning the homebuying process. This also began the contract period with my earnest money with the Seller. My realtor and I contacted Mr. XXXX every other day to ensure I was in compliance with all of required documents to close on the home, The closing date was set as XX/XX/2020. Mr. XXXX confirmed that my file was submitted to the underwriter on XX/XX/2020. Mr. XXXX confirmed all that was missing was my tax transcripts from the IRS which were requested on XX/XX/2020 the same date that Mr. XXXX confirmed that the needed appraisal was ordered. 
On XX/XX/2020 I began receiving correspondence from XXXX XXXX with Mr. XXXX still in copy. At that time expectations where set and outlined. I believed we were on track to close. 
On XX/XX/2020 I sent copies of everything that was requested of me. At no time was it communicated with me that there was a danger of me not closing. As my closing date was approaching, I continously reached out to Mr. XXXX but his responses became vague and calls were not being returned timely. Mr. XXXX communicated to me that I was not his only customer and he was busy. The conversation was troubling and I reached out to my realtor to assist with the communication gaps with Mr. XXXX. 
On XX/XX/2020 my realtor reached out to me to advise that Mr. XXXX was no longer with Guild Mortgage and she felt it was very strange to receive a call from him advising him as such. His call was actually to network and not to inform me. At no time has anyone from Guild to this day ever called to advise me of this situation. 
On XX/XX/2020 my realtor called me in panic as the listing agent called her to tell her that XXXX XXXX had informed them that we would not be closing. At this point Ms. XXXX had not reached out to me via email or by phone. My calls to Ms. XXXX went unanswered. The listing agent then informed my realtor that my earnest money was forfeited and they were no longer interested in continuing the buying process with us as there was an insuitation of inproperity on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Sterling Infosystems Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I literally have no idea. I just put in an application for XXXX XXXX two days ago and my background consumer report from you guys came back and it says I am a XXXX XXXX XXXX But, I have never did nor was accused of such. I believe I was terminated from my old job because of this as well. So, please I need someone to get this straightened out.

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 2021-08-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
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 hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - XXXX inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The bank XXXX XXXX XXXX  XXXX  is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.

Company response to consumer: Closed with explanation