BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I tried to file chapter XXXX after my husband died and I was struggling. When it came down to meeting the mediator judge type person they tell me they are using my house as collateral.i had not been told this prior to this point. I hit the roof and said no no way cancel this I'm not doing it I could get hurt tomorrow and not be able to pay and loose my house. So as far as I was aware it was cancelled. I found out in XXXX that all the debti was including was not only returned to my credit report but it reopened them and the calls started. Well I went thru and got the original cases closed and was just going to deal with the negative remarks on my credit thinking I couldn't do any better. But now I have what looks like new accounts in large amounts on collection accounts and they are the original creditor. I also have a dismissed bankruptcy listed on my credit that is stripping me from being able to rent any place to live. That Bankruptcy I cancelled should not be on my credit as dismissed or any other status unless I failed to complete the terms of a case I filed which is not the case I cancelled this myself before it was ever completely filed. I feel this is unfair to my ability to get a proper place to live and being on social security now my options are already limited to begin with I don't need anything else against me after the last 7 years I've had please help remove this bankruptcy and check the recovery accounts against original debt with XXXX XXXXXXXX and XXXX those accounts were closed and written off before now they've been sold and reopened starting my failures all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is about a cancelled flight ticket purchase dispute. 

I bought three international XXXX XXXX tickets using the CHASE UNITED credit card on XX/XX/XXXX. Due to the travel schedule change, I wanted to change time for the booked flight. The XXXX website clearly states there will be no penalty on change of flight due to Covid-19. I canceled this booked flight and then booked another flight on XX/XX/XXXX. But XXXX did not refund me the cancelled flight, instead, gave me points, which will be expire in 2 years. I don't want any points because under pandemics, there will be too many uncertainties for traveling. So I applied on XXXX for refund for my cancelled flight. The refund request was approved and should have been completed on XX/XX/XXXX according to my refund record. However, up until now, I did not get the refund back to my card. 

I disputed this transaction with Chase and the reply was they thought this transaction was valid even after I gave Chase all the documents about my flight booking record, refund request and the approval of my refund. Chase completely is at the side of XXXX and have no protection for its card user. Its investigation disregards the fact that XXXX approved my refund request and don't want to be a middle person to protect its consumer. 
Chase only allowed for a 2 month delay payment because I told them I called XXXX ( after waiting in the line for 30 mins ) regarding this transaction and its approval about my refund request. The rep only answered that according to the record, it really show the refund is approved. Probably wait one more billing cycle for the money and he did not have any authority to look into more details. 

Here are my responses to Chase dispute notice : 1. This transaction is not valid. I wanted to change time of the flight. Not buying another flight. The XXXX should not charge me for another flight. 

2. The refund request was approved by XXXX on XX/XX/XXXX. It took so long until now is not my fault. Why did Chase believe in merchant 's allegation for too long and unwilling to credit back, and not supporting its consumers. 

3. Since Chase believe I have a valid complaint with XXXX on XX/XX/XXXX notice, then the result should be the transaction is not valid. 


Another related complaint is Chase added interests on this transaction during disputed period, which is a violation of CFPB Federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been longer than 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a credit card from XXXX XXXX XXXX XXXX last week but it showed application failed to submit. In this week I found that there is a hard inquiry made by this company. I tried to contact this bank but no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have repeatedly attempted to make reasonable monthly payments and have been offered upwards to $ 700/month which I can not afford in addition to over the over {$1000.00} I already pay monthly in student loans. The other day set up a payment to attempt to catch up with the understanding that I would need to obtain and submit additional information regarding my finances. I shared that my co-signer has XXXX XXXX and my father was a XXXX XXXX. My father, who is not a co-signer on the loan, set up a payment I am unable to afford. This is in addition to the payment I had set up for this month. Navient knowingly set this payment up with an individual who I had shared has an XXXX XXXX XXXX and that is XXXX most, if not at all, times. I hope that they did not pursue my father for payments knowing his XXXX  condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: SHAPESHIFT AG
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have exchange Litecoin with ripple and I did send them over 2000 $ worth of Litecoin now they promise ripple exchange within minutes but now they did not provide ripple coin and took my Litecoin and not responding to my tickets that I have open on their website also they do not have customer service phone number. when I search this is how they fraud people please do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I placed a lift of the freeze on my account with Equifax and was told that I would receive a confirmation with my pin for future use. The pdf I received did not have my pin, so I called the number Equifax provided if I did not receive it. I then got a run-around by the Equifax representative who asked me a bunch of questions about my credit history which she claimed I did not pass because it did not match my credit report. So, then I asked for my credit report and was told I would have to mail in a request with a bunch of personal information. 

This system places an undue burden on consumers, especially since the company has been found to be lax in its security and now wants me to go to the trouble of sending in more personal information that can fall into the wrong hands. The questions I was asked had to do with mortgages I had years ago and I should not be expected to remember. If this is complying with the requirement to provide consumers with a free annual report, there is something terribly wrong with this system! 

All of this is remarkable given that I was able to lift the freeze on my account but was not able to get some basic information about the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My Ditech loan is set up for automatic payments out of my checking account. I received a past due collections letter from Ditech dated XX/XX/XXXX. I checked my secondary checking account that I use for this payment and the XX/XX/XXXX payment had not been deducted from my account. I call Ditech to see what is going on, the agent couldn't locate my account. She was finally able to find some information and told me that my account was given a new number and I should have received a letter stating that I didn't need to do anything and that the payment would come out automatically as usually. I told the agent the payment didn't come out of my account and asked if she could take it over the phone. She said I could not, but advised me to call into the automated system and make a payment. The automated system stated it had received a $ XXXX payment, but that couldn't have been right. I made the payment for $ XXXX and received a confirmation number. However as of XX/XX/XXXX, the payment still has not been deducted from my checking account. Now they are reporting me past due to the credit bureau for {$660.00} payment. Ditech VRU/automated system has a record of my payment, but also says I owe a payment of {$1300.00}. I've called Ditech 10 times  asking for help, but they can't help me because they don't see my full information. I've disputed the credit bureau report, but I'm fearful this may cause them to put me in foreclosure. I've never missed one payment with either of my mortgages ( over 18 years ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX purchased XXXX XXXX in 2017.  Prior to XXXX XXXX XXXXXXXXs purchase, XXXX XXXX were serviced by XXXX XXXX XXXX and there was a dedicated website to see an actual amortization schedule and payments made to the mortgage on a monthly basis over differing periods (based on a drop down menu selection) which clearly stated the principal and interest breakdown of the payment, any additional principal paid and escrow etc..  In the months since the acquisition, TD Bank is woefully unprepared to service mortgage accounts, and at a very basic minimum does not  provide a simple breakdown of my monthly mortgage payment such as how much of my monthly payment was applied to principal and how much to interest.  They will not provide online statements unless you have opened a checking account. If you require a statement from a previous month, TD Bank requires you go to a branch to request.   This is simply unacceptable mortgage servicing.  There should be no excuse for not providing a customer a detailed allocation of their mortgage payment.   This is  basic mortgage service expectation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX Branch Manager/VP of Mortgage Lending XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX NV XXXX XXXX ID : XXXX On XX/XX/XXXX I reached out to XXXX XXXX and company regarding a hard inquiry notification I received. I did not authorized them to pull my credit in XX/XX/XXXX or XX/XX/XXXX. When I spoke to XXXX XXXX she advised me she read an old email from me and sent it to her assistant to run my credit! She was out of the country at the time according to our phone conversation. She apologized, and I stated very clearly I wanted the hard inquiry removed. I did not provide consent. Nothing was signed, no verbal or written consent was provided to XXXX XXXX and XXXX XXXX to run my credit. I requested for a ballpark estimate back in XXXX as I was going to purchase a home, but did not want to run credit yet since I wasnt sure. However my report was pulled when XXXX XXXX requested to review my prior tax docs. Fast forward XX/XX/XXXX she ran my credit again, however this time I made it absolutely clear I wanted corrective action. Still upset from XXXX incident, she made a mistake again. 4 months have passed since and no updates have been given. Id like to have an investigation open as I now have 2 unwarranted hard inquiries from this company without consent.

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 2018-01-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My bank confirmed that CoinBase withdrew funds from my bank account via wire transaction. The deposit has not shown up on my account and is 3 week late from the stated deposit date and 4 weeks late from transaction date. CoinBase has told me multiple times that a wire transaction may take 3-10 days to process but a month is too long and worrying. My bank also stated it was a transaction and not a transfer - Trans. Description : XXXX. My CoinBase Reference code : XXXX for the transaction. 

Date : XXXX/XXXX/XXXX @ XXXX XXXX PST Amount XXXX ETH @ {$460.00} per ETH. 
Fee {$7.00} Subtotal {$490.00} Total {$500.00}. 

I sent in 3 emails, support requests and feedback but have not received anything but automated responses for the last 2 weeks. I have also called and have not been able to resolve the problem through their customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I contacted Citibank on XX/XX/XXXX and XXXX to be able to access my funds because I deposited funds into the Citi account when opened and more through XXXX, but it would not let me send money via XXXX, wire transfer, instant transfer or even withdraw via ATM or even use my debit card. I contact Citi and I could not even access my account with a representative because they could not verify me, even though I provided my social security number, address, phone number, card number and account number, then they told me they could not verify me and hung up on me without any notice, so I can't withdraw or spend my money and can't speak to a rep to find out why. There is no Citi brank in my state so I have nowhere else to go or contact to figure out why I can't access my XXXX dollars on my account. When i tried to do anything through the app, I kept getting access blocked, and to reach out to customer service, but i reach out to customer service and they can't verify me and hang up the call, so I have no further avenue to figure out the issue or access my funds. I even called to close my account and have them mail the check for the funds to my address on file and THEY TOLD ME THEY COULD NOT CLOSE IT BECAUSE THEY COULD NOT VERIFY ME AND HUNG UP AGAIN. so I have nothing left to do to be able to get my funds back. Citi bank is a scam and they want to keep peoples money. I WANT CITIBANK TO CLOSE MY ACCOUNT AND ISSUE ME AN EXPEDITED CHECK AND I WANT NOTHING FURTHER TO DO WITH THIS HORRIBLE COMPANY AFTER THEY RETURN TO ME ALL MY FUNDS.

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 2022-02-03
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage purchased my home loan from XXXX XXXX in XX/XX/XXXX. This was during the time XXXX XXXX paid my XXXX ad valorem taxes with XXXX XXXX. Then, Rocket Mortgage assessed or calculated my property taxes, but excluded XXXX XXXX 's payment for my XXXX tax period. When Rocket Mortgage calculated my escrow analysis, it over calculated it, projecting an approximate {$200.00} increase in my monthly payments. I contaced Rocket Mortgage several times to correct error, and I was assured in writing that it would be corrected and my monthly payments would not increase. My XX/XX/XXXX payment just went through and nothing was corrected, my auto-payment was over the owed amount. I have attempted to rectify the situation, but no one at Rocket Mortgage is assisting me at all. My ad valorem taxes increased by a total of {$39.00} from XXXX to XXXX. This does not justify increasing my escrow payments by approximately {$200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I've been a victim of identity theft. The account listed should be blocked, removed and/or suppressed for this is fraudulent and/or inaccurate. Account : XXXX XXXX XX/XX/2015 {$0.00}.

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
Consumer complaint received 2017-07-28
Company: Certified Credit & Collection Bureau
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Every month I receive a collection notice from this company. The debt incurred because the medical people and the insurance company were not speaking. It has been taken care of, The bill was finally paid by ins. in XXXX.
I 'm in their system and automatically get these notices every month ( sometimes every few weeks. ) The medical office said I was not in collections. Yet they keep coming.
I called once and got a very nasty person on the phone who left me on hold for 10 minutes.
I 've written and told them to stop.
Bill was paid. Make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The credit card is with Capital One and I filed a complaint against them last month for charging me interest when I pay all last statement balances to avoid the interest charge. It turns out they do not have automatic settings in place to move cutoff dates to next business day when the cutoff falls on a weekend or holiday as stated in the Credit Card Act of XXXX. I made a payment on XX/XX/XXXX before end of day when my cutoff was on the XXXX of XXXX, XX/XX/XXXXand started this whole mess. 

I explained this whole situation to XXXX XXXX and he did refund all 3 interest charges that were applied. He sent the attached letter dated XX/XX/XXXX to me which you also have on file. 
He did not do me a courtesy but corrected an error which should be corrected by Capital One nation wide. My billing cycle ends on the XXXX but I selected the XXXX as my payment date to assure my payments are on time. 

So today, XX/XX/XXXX, I tried to reach out to him by asking to be transferred to him so I could explain that I was charged interest again {$23.00} even after paying the full amount of the last statement balance {$1100.00} and on time on XXXX at XXXX. Which seems to point to the fact that they have not turned off the automatic interest charges as I was inform they would to avoid being automatically charged interest fees every month. 

I gave XXXX 's extension number he provided in the letter, but I got the run around from the customer service representative who informed me she was unable to transfer my call, I could not get a call back from XXXX XXXX, and agents were not available?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, and XX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.

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