BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with Chase and have been a client for decades. Never filed a complaint or had any other issues. I transferred money with XXXX, a partner of Chase to a shipping company on XXXX losing {$2800.00}. On XXXX when the person ( s ) who I was allegedly doing business with on the web essentially disappeared and contact was lost, I learned it was a fraud. I've tried to rectify with bank, one person said they would refund one time as a loyalty courtesy and was relieved. Then they transferred me to another person who said absolutely not. I would have thought some protections or loyalties were in place, but apparently not. Please call me for details. I am disgusted and will likely move every account out of that bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
I have applied and got approved for the NavyFed Flagship Rewards Credit card last XX/XX/2019. With the Promo of spending {$4000.00} within 90 days and earn 50,000 bonus points. Last XX/XX/2019 I  have completed the spend requirement of {$4000.00}. I have called last XX/XX/2019 @ XXXX & XX/XX/2019 @ XXXX spoke to XXXX and I was informed that I have met the spend requirement and my bonus will be on my account 6 to 8 weeks. I have also went to Navy Federal Branch in XXXX XXXX, XXXX XXXX CA last XX/XX/2019 and the banker checked my account and has confirmed that I have met my spend requirements and bonus will be on the account 6 to 8 weeks. I am also attaching a secure message last XX/XX/2019 from Navyfed which confirms that spend was met and bonus will be deposited 6 to 8 weeks. It has been 12 weeks since I met the spend and no bonus ( XXXX ) rewards points was deposited on my account as it was confirmed several times. I feel that the advertisement is misleading and I should get my entitlement of the ( XXXX ) points and or get compensated with additional bonus aside from the advertised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was never mine. Never had XXXX in my entire. It is a result of an Identity Theft.

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 2023-11-08
Company: EQUIFAX, INC.
State: GA
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 multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX, GA XXXX ; 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 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 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 2023-05-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didn't give this company the authority to access my credit file. I never conducted business with the company. However, this company has access to my personal information. I sent a letter to the company and haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to TransUnion on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$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 explanation
Consumer complaint received 2023-05-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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, this creditor has violated my rights. 

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear PayPal, I am writing to you today to address a grave issue that has recently come to my attention. My identity information has been stolen, and it is being used to sign up for unauthorized PayPal accounts. I am writing to report this issue, and I hope that you will take immediate action to rectify this situation. 

I would like to start by stating that I only have one PayPal account, which is registered under the email address " XXXX '' and phone number " XXXX ''. I detected unauthorized access to my PayPal account on Fri, XXXX XX/XX/2022, and I immediately reported this to PayPal. I take my security seriously, and I wanted to ensure that my account was safe from any malicious activity. 

I am now asking PayPal to investigate the unauthorized creation of PayPal accounts using my stolen identity information. If it is found that these accounts have been created without my consent, I request that the permanent limitation on my account be lifted. I am currently using a VPN to access my PayPal account as I am not in the US, but I would be more than happy to provide my real location if PayPal requests it. 

I would like to emphasize that this situation has caused me great concern, and I hope that you will take the necessary steps to ensure that my account and personal information are secure. I appreciate your attention to this matter and look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was switched from XXXX XXXX  to SPS Servicing after I aproached a problem involving a so called " XXXX XXXX  '' which was tied to XXXX XXXX attached to my home address. I tried over one year to lease rooms in my home during the Pandemic. It wasn't a success. My internet was stolen, the information on the cable bill was my own address, however, was not able to access the billing details with the company, I eventualy had to file a police report to indentify the connectivity.

I had no internet for two years, and that caused displeasure with long term tenent occupancy. I was a victim of identity theft through XXXX XXXX. This process among other issues such as caring for 2 of my ailing family members that were ill with XXXX at the time, and experiencing slightly suppressed sales due to covid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EarnUp Inc.
State: TX
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:
For several years, I work with a third party company called Earnuup, that makes payments on my behalf to my mortgage company. My mortgage was sold to XXXX and the third party sent payment to the previous servicer instead of sending to the new servicer XXXX. The third party payment company Earnup, has confirmed that they did have the funds in reserve to send to XXXX, but for some reason because of the switch to new servicer XXXX, the first payment wasn't sent. Due to their negligence, I now have a 30 day late on my payment history, and it is causing me great financial harm and emotional distress. I recently applied for a home improvement loan, and was denied due to this frivolous late payment due to Earnup gross negligence.

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 acquired my credit report and asked the credit bureaus to check and make sure that everything was accurate and complete according to 15 USC 1681i ( 5 ) I have waited 30 days and received my investigation and Ive notice everything was still the same. The consumer reporting agency which is TransUnion did not remove or modify anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three reports Which is a violation. This is really impacting me from buying a house for my family and a purchasing a vehicle. I am emotionally distressed, heartbroken and depressed because of this matter. Ive attached my previous credit report and my new credit report to show how transunion violated my rights.

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 2022-03-30
Company: CITIBANK, N.A.
State: PA
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:
I filed a dispute for {$150.00} on XX/XX/2022, and the Citi card company responded on XX/XX/2022, saying that the dispute was resolved and I am responsible for the amount. Citi also sent me details about what the merchant says. I found the merchant did not tell the truth ; therefore, I disagreed with the resolution, filed the dispute again, and provided the details in writing why I thought the merchant was not telling the truth. Citi promised to do another investigation on XX/XX/XXXX. However, I recently found that Citi already quietly concluded with rocket speed within three days by XX/XX/XXXX, the dispute was resolved without doing any proper investigation. Citi did not even send me an email or letter that the dispute was closed. Citi also did not explain how they came to this conclusion.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have sent numerous dispute letters to TransUnion regarding inaccurate and erroneous items on my credit report with no response from them. My last dispute letter dated XXXX has gone unanswered and it has been well over 45 days. My disputes are obviously being ignored and possibly thrown away!!!! Section 611 ( a ) ( 1 ) states that a failure to investigate these items within 30 days mean these items should be removed from my credit report immediately. It's been over 45 days so the items should be deleted immediately. I'm very frustrated, disappointed, and stressed because of this problem. I demand that these items be removed from my credit report immediately or I will have to file for litigation due to the stress this has caused me and these blatant violations. My information was impacted by the XXXX  data breach and may be compromised

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Tulsa Adjustment Bureau
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last year I sent a disputed debt letter that was signed via certified letter from XXXX XXXX. I requested debt verification and an itemized statement or a summary of the initial charge. Nothing was sent other than a lump sum amount due without explanation. XXXX v XXXX affirmed in the 6th that debt collectors must provide a minimum verification that a consumer could dispute the debt. XXXX failed to do so yet continues to illegally collect the debt and even filed a derogatory statement on my credit earlier this year. Even though, if the debt was legitimate all they would have to send is an itemized statement. They refuse as the debt is not verifiable. I personally went to collect the letter from the hospital directly and one doesnt exist. 
Fast forward to XX/XX/2019, I filed a complaint with my credit agency and XXXX   removed the derogatory statement because they couldnt provide the necessary information. Proof attached. 
Now, without any more or new letters or proof sent they attempted to hurt my credit again but have changed the debt amount. Without any new contact or letter. 
Its harassment and illegal and it continues without new proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion, XXXX and XXXX is reporting late payments on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX and/ or XXXX is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion, XXXX or XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Re : Coinbase Pro : Today is XX/XX/2021. 

One XX/XX/XXXX, I was locked out of my Coinbase Pro and Coinbase accounts which was holding XXXX ETH coins equivalent to {$95000.00}. The reason stated for being locked out was potential suspicious activating. I followed all recommended steps posted on Coinbase 's website to regain access. All attempts failed. Coinbase does not have a technical support call number or the availability to chat with a service member. 

From XX/XX/XXXX to XX/XX/2021, I have sent approximately 15 emails regarding my Coinbase case number. : To date, I have received no response from Coinbase or Coinbase Pro that provided any measures to gain access to my account and funds. 

I need Coinbase to contact me and confirm my funds are secure and that my account has been re-activated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-20
Company: Block, Inc.
State: TX
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:
On Wednesday, XX/XX/XXXX at XXXX, someone stole my card information and made two {$50.00} charges in XXXX XXXX TX at an XXXX gas station. I live in XXXX XXXX. I let Cash App know that those purchases were not made by me and that my card information was stolen. Cash App told me that they won't refund those charges because they weren't suspicious. Cash App refuses to refund stolen money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2017-12-21
Company: Navient Solutions, LLC.
State: MA
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:
On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of XXXX XXXX XXXX. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and XXXX, Navient persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, Navient has committed violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had no idea there was a judgement against me I received notice in the mail XXXX my niece I take care of told me she went to the bank and she gave me a notice a writ of execution was on my bank account.She stated they also have frozen her bank account she is under age.I was told from Midland Funding LLC this debt was with XXXX XXXX they indicated i declined to appear in court XX/XX/XXXX.I was told a court papers was left at my residence I was out of town when they said the notice was left XXXX. I was out of town have my airline ticket to prove i was not in town.The actions of this creditor severely crippled my normal way of life which is preventing me from handling executing my daily finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions 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:
This car loan doesn't belong to me the subject : XXXX XXXXXXXX XXXX  ( without prejudice )

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