BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On the week of XX/XX/XXXX I had noticed that my checking account I have with Chase bank had recorded 0 activity on it. Whether deposits ( which in actuality were transfers from my XXXX account and also ACH 's ( such as my mortgage payments, one Credit Card payment and also my Utilities Bill. On Monday the XX/XX/XXXX I stop by the Chase bank on XXXX XXXX in XXXX and was told, " compliance department needs to verify my social security number. Filled an SSA form at the bank and was assured it was sent three times and that compliance department would review and unfreeze my account in 24 hrs. It did not happen. Called Chase Compliance department on XX/XX/XXXX and after 45 minutes on hold, the guy I spoke with said that he would at least allow my two mortgage payments to go thru and that the accounts ( both checking and savings ) would unfreeze and funds would be available on the next day which would be XX/XX/XXXX.

on XX/XX/XXXX, not only were my funds not available, both balances on my checking and savings were wiped out. Both showed {$0.00} Balances. Alarmed I go to the CHase Bank, XXXX XXXX location. Spoke with XXXX who was telling me she called and spoke to XXXX XXXX in the Retail Fraud Department who had promised he will expedite and funds will be available in 1 business day. On XX/XX/XXXX funds were not available. Ws promised by XXXX they would be available on XX/XX/XXXX. On XX/XX/XXXX funds were still not available. Spoke on the phone with XXXX and also XXXX ( regional and/or other bank manager ) who assured me funds would be available by XX/XX/XXXX,  Tuesday. I go to the bank this morning XX/XX/XXXX and funds are still not available. After wasting another two hours, I got the same run around I have gotten every day since XX/XX/XXXX, even from the branch manager XXXX XXXX who put me on the phone with a XXXX XXXX in the " executive office '' who pretty much fed me the same hogwash I have heard from everyone at Chase since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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: Public record information inaccurate

Complaint:
ChexSystems has caused Financial Deformation by reporting inaccurate information. ChexSystems has provided one report dated XX/XX/XXXX stating the Source of reported information is from XXXX XXXX XXXX Missouri XXXX. XXXX XXXX, XXXX XXXX MO XXXX and in another report dated XX/XX/XXXX has changed the Source of reported information to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. Both reports have the same account number and Paid if full as closure Status, but the reports show two different reporting dates. I spoke with employees XXXX XXXX and XXXX XXXX to fix this issue and correct the in accurate report but they refused to. My report id is 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 2020-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 seen no changes for the accounts that I have filed last month, I still see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase and theyre bank XXXX  let someone open an account in my name and withdrawal funds from my account and wont do anything to help the situation. I cant get a hold of a live person and they wont respond to my via email anymore. 

XX/XX/2021 - Coinbase Charged me XXXX XX/XX/2021 - Coinbase Charged me 3 seprate times all for XXXX each adding up to XXXX XX/XX/2021 - Coinbase Charged me twice for XXXX each adding up to XXXX that day XX/XX/2021 - Coinbase Charged me XXXX and again for XXXX. 

I few months later when i was doing my taxes i noticed the funds missing. My bank did a investagation but was unable to do anything since it had bee so long. I contacted Coinbase multiple times and the refuse to do anything even though they have since locked the fraudulent account and know it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was 90 or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month capital one sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.

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 2020-05-15
Company: Webcollex, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CKS FINANCIAL TOLD ME IN WRITING THAT IF I PAID THE FULL BALANCE OF XXXX THEY'LL DELETE IT OFF MY XXXX AND XXXX CREDIT PROFILE. A MONTH LATER THEY UPDATED IT AS " PAID IN FULL '' AND NOT DELETED AS PROMISED. AFTER A BUNCH OF PHONE CALLS AND LETTERS TO XXXX AND XXXX  XXXX  FINALLY AGREED TO DELETE IT. XXXX  HASN'T DELETED IT YET. A MONTH LATER CKS FINANCIAL WENT AHEAD AND ADDED THE PAID COLLECTION ON MY XXXX REPORT. THEY DID THIS A MONTH LATER AFTER THE COLLECTION WAS PAID IN FULL AND AFTER THEY ONLY ADDED IT TO TXXXX AND XXXX A MONTH PRIOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
PayPay opened a line of credit in my name without my authorization or without notifying me. I only found out when I received a bill via email for a charge that I didn't make. I don't use Paypal, I opened an account in about 2011 and never used it. I certainly never authorized a line of credit and never accrued this charge ( especially considering the fact that I have no idea how to log in ). I reported the false charge to PayPal in early XX/XX/XXXX  and reported that I never authorized the line of credit. They said that they would look into the charge. The next month I received another bill, this time for a higher amount. I called PayPal again in XX/XX/XXXX and again reported the false charge and the unauthorized account. Again, they have done nothing. Now, in XX/XX/XXXX, I just received another bill for a higher amount. I have tried to resolve this multiple times, but PayPal, despite creating an illegal credit line without authorization has refused to resolve this issue. I am not paying for a fraudulent charge on a line of credit that I never authorized and that was illegally created.

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 2021-02-22
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
My discover account was closed over 7 years ago ( 2013 ) and I have disputed it on all the credit Bureaus. Most removed the account. XXXX  has not and instead discover is now negatively impacting my credit with added late payments each month. The company never got in touch with me in over 7 years and had it marked as a charge off/ profit loss the entire time causing me to be denied for several opportunities based on credit worthiness. Not to mention that it was wrongfully out that amount to begin with. After making one payment with my fathers bank account, of which he reported as fraud, they then Removed every payment i had ever made putting a XXXX dollar credit card at XXXX debt. Now its time for it to be removed from credit report entirely and instead they are adding even more negative impacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'm writing to you according to my The Home Depot CBNA card that was opened on XXXX XXXX, XX/XX/XXXX I was never notified about that account. Someone used my personal information for opening credit lines by my name. I filed police report number XXXX on XXXXI could not contact cfpb because I did not know about its existence and that they can help me here.

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 2018-03-10
Company: Remex, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I requested a validation of debt from a collection agency and the sent me information that violated HIPAA. They documentation showed procedures that was performed. I never gave permission to that collection agency to have access to any part of my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 have been disputing the accuracy of the records from this company using the law, 15 USC 1692, on or around XX/XX/2021. Midland Funding LLC sent two letters attempting to collect a debt that I do not owe in the amount in the amount of {$470.00}. the letters were dated for XX/XX/2021 and XX/XX/2021 both letters State that the company has proof of verification from XXXX XXXX, the proof does not show validation. I received these letters on XX/XX/2021 I sent Midland Funding LLC a cease and desist letter on XX/XX/2021 through certified mail with a green receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My Paypal was locked for 180 days for Fraudulent Activity. I am in serious need of the funds and I would like to be able to transfer my funds to my linked cards or bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my attorney sent certified mail to XXXX XXXX also know as XXXX XXXX in an attempt to settle my debt. It contained a settlement letter and check # XXXX for the amount of {$500.00}, both of which stated that negotiation of the check shall constitute complete satisfaction of claims. The last 4 digits of my account number were written in the memo section of the check stating full settlement. On XX/XX/XXXX, the settlement check for {$500.00} was cashed. 

The credit agencies are still reporting I have a past due balance, I believe that this is a violation of the Fair Debt Collection Practices Act, 15 U.S.C.1692 ( c ) as this debt has been settled by the original creditor and should be reported as paid settled with {$0.00} balance due. 

I called XXXX 's on XX/XX/XXXX but was not able to resolve this matter.

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 2020-08-25
Company: EQUIFAX, INC.
State: SC
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:
The account with DEPT OF ED/ XXXX has been listed closed since XX/XX/XXXX! Now someone is magically reporting missed payments ( since XX/XX/XXXX & continues ) on this closed account that I know is inaccurate and a violation because there should be NO ACTIVITY after the close date! I've sent in several disputes and attached proof that may help with the removal of the account but Equifax, XXXX, and DEPT OF ED/XXXX refuses to remove the inaccurate accounts and continues to violate my rights per FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The account with DEPT OF ED/ XXXX has been listed closed since XX/XX/XXXX! Now someone is magically reporting missed payments ( since XX/XX/XXXX & continues ) on this closed account that I know is inaccurate and a violation because there should be NO ACTIVITY after the close date! I've sent in several disputes and attached proof that may help with the removal of the account but XXXX, TransUnion, and DEPT OF ED/XXXX refuses to remove the inaccurate accounts and continues to violate my rights per FCRA!

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on TransUnion # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus. 

Please Delete ASAP.

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 2020-08-25
Company: EQUIFAX, INC.
State: AZ
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:
It's my understanding that I may get weekly credit reports using XXXX. Otherwise, Equifax, XXXX, and XXXX will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. Equifax, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against Equifax for the release of my information. XXXX XXXX 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX  and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
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: Old information reappears or never goes away

Complaint:
On XX/XX/2018 i submitted a dispute regarding an old account which is appearing past the statue of limitations. FCRA law requires accounts past 7 years be deleted and not rpeoterd. I asked these companies to delete these illegal accounts and have gotten no response besides a general " we are working on it ''. I have been disputing this account for many months now and I am defeated and getting no where with these bureaus who are ignoring me and prolonging their removal of this account from my credit reports. I have been patient but now I am contacting and attorney if this dispute goes ignored. I have attached the derogatory account that is ink question, Please see my disputes on XX/XX/18 # XXXX and # XXXX The response make no sense. the accounts never indicated they are being disputed in these 40 plus days I have been patiently waiting. what is going on? please respond and delete this account 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 non-monetary relief
Consumer complaint received 2020-11-03
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:
I paid on a settlement account on XX/XX/XXXX through XXXX and XXXX on behalf of XXXX. XXXX reported on on XX/XX/XXXX that I still owe the remaining balance on XX/XX/XXXX to the credit bureaus although the settlement letter stated my account would be settled. I uploaded the settlement letter as proof that I no longer owe the money although I was reported again as a late/missed payment and money owed. Experian stated on XX/XX/XXXX the account will remain even with this documentation. This is the second time Experian allowed inaccuracies to remain on my account. XXXX XXXX stated I filed for bankruptcy on my account in XX/XX/XXXX and put 4 charge offs on my account in XXXX. My public record for my bankruptcy is for XX/XX/XXXX. 
When I questioned Experian, I was informed on XX/XX/XXXX by a dispute specialist that even if I have proof that the information is not accurate, the credit companies can put whatever they want on my credit report if they say it is accurate. There is nothing I can do. Even if I have a public record file, XXXX XXXX can say I filed in XX/XX/XXXX. XXXX can say I owe them money even with a settlement letter. All of these inaccuracies have been on my report preventing my credit from going up and getting a mortgage.

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 2020-05-14
Company: Commonwealth Financial Systems, Inc.
State: FL
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:
Credit Alert Derogatory Account Reported By Commonwealth Financial Reported On XX/XX/2020 Account Balance {$2200.00}

Company response to consumer: Closed with explanation