BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I called XXXX XXXX to request a downgrade of my XXXX  XXXX XX/XX/XXXX card as I was no longer interested in paying the {$170.00} annual fee. I didn't think the fee justified the cards benefit. The representative presented various credit cards I could downgrade to that did not have an annual fee. After a 90-minute conversation, I decided to downgrade to the lower tier of the XX/XX/XXXX card that did not the annual key. I also allowed the representative to charge my checking account for the annual fee of {$170.00} in case the downgrade process takes long in order to avoid being charge a late fee since the annual fee was due. The representative ensured me everything be process and I will receive the new card in a few weeks. 

In the first half of XXXX, I spent a lot of times traveling which was extended due to the pandemic. I was in the west coast until XX/XX/XXXX. When I returned home in XXXX, I found several letters from XXXX XXXX stating that I owed them {$170.00} plus late fees/interest. Also, my credit report was flagged for missed payment. At first, I was confused and thought maybe someone stole the new card while I was away and used it. Because I know that I didn't owe XXXX XXXX anything especially since I paid them the {$170.00} annual fee back in XXXX to avoid any issues relating to downgrading my card. 

After having several conversations with XXXX XXXX bank tellers and two Case Specialist in the XXXX XXXX XXXX Complaints Management Office, they confirmed that the representative did not downgrade the card as he ensured me, he will do. Furthermore, they confirmed that they did receive my payment for the annual fee back in XXXX but failed to update my account with the new balance ( which was {$0.00} ) which resulted in them reporting me to the credit bureau. To explain, XXXX XXXX continued to charge me for the annual fee even though I had already paid them the fee. Every month from XXXX to XXXX they reported a missed payment to all three credit bureaus. They apologized for their mistake and ensure me that they will contact the credit bureau to remove all the negative marks they put on my account as this was their negligence for not verifying their information about my account. It is now XX/XX/XXXX ( I spoke to them XXXX XXXX ) and the missed payment has not been removed. I also open a dispute with Experian and Experian said they refuse to remove it. It seems like the only thing left to do is to take them to court because they are violating the federal fair credit reporting act ( FCRA ) and has damaged my creditworthiness.

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 2022-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against the Bank of America credit card company due too a recent tax statement for the year of XXXX sent to me by mail to a previous address I used to reside at more than 10years ago requesting that I pay taxes on a closed credit card account. I disputed this credit card charge with Bank of America on XX/XX/XXXX and it was successfully removed from my credit report as XX/XX/XXXX. My complaint explained that I was accessed penalty fees by Bank of America for charges I never made. I have kept all my records acknowledging the several attempts Ive made to resolve this illegal issue with the Bank of America credit card company. I have statements from XXXX acknowledging this disputed matter and the removal of this matter off my credit report. I am requesting an investigation to this matter for again permanent closure of this ordeal. I should not have to be taxed and/or penalize for fraud done against my will. Thank you for your attention to 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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from XXXX regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.

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 2022-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XX/XX/XXXX CRA reported a late payment on my consumer report past due balance 0f {$38.00} dollars and XX/XX/XXXX CRA reported a late payment on my consumer report past due balance of {$60.00} They are in violation of the FCRA 15 USC 1681b ( 2 ) I never gave a written consent to furnish these on my consumer report I tried resolving with the CRA not the results I was looking for

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 2023-04-10
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about around XX/XX/2023 through XX/XX/XXXX of 2023 I had my federal tax return deposit into my newly open Chime account expecting to receive my funds. On XX/XX/XXXX of 2023 at XXXX XXXX was in an accident on interstate XXXX XXXX Alabama I was rushed to XXXX XXXX and due to injuries when I was discharged on or around XX/XX/2023. I went to log into my Chime account on my laptop to see that my funds were deposited into my account, but there was 98 unauthorized transactions. I reached out to Chime to dispute the transactions. They denied my claim, claiming no ever found. I did a rebottle dispute still to come to the same conclusions I sent over hospital discharge report a police report and a signed statement from an officer, stating that I did not authorize transactions and I was hospitalized at the time with this being said, I was supposed to receive a provisional credit on XX/XX/XXXX of 2023 only to be told again no error found. I am on my third we rebuttal with this company with no relief in sight. Something needs to be done I did not, have my ID nor my wallet or phone which was reported stolen in the police report and hospital discharge report it also states I was brought in, with none of the above, so for this company to keep stating that they see no error is beyond me only thing I would like is my money to be placed back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: MD
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XX/XX/2017 Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Brock & Scott, PLLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is about XXXX years old ; XXXX XXXX has given the debt to another company, Brock and Scott. Brock and Scott took a payment from me, saying they could settle the debt. XXXX XXXX refused and said they wanted the total amount ; when I asked for proof of said debt, I was given the runaround, and mind you, I have two obligations with XXXX XXXX, and they will provide nothing. Brock and Scott reached out about XXXX weeks ago, saying XXXX XXXX agreed to the settlement. I contacted XXXX XXXX, and one rep stated, No, we do not agree and will not settle. The other said, We agreed to the settlement but didn't know the terms. she put me on hold and transferred me to another lady who said the same but gave the amount of XXXX. XXXX XXXX took money out of my bank account and honored some of the refunds I disputed. XXXX XXXX went on to close a credit card with a deposit of XXXX and has all but refused to explain where that money went. They have already sued me and continue to cause emotional stress, at this point nobody is on the same page and we have mediation tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: NC
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 have a fraud alert on my credit report with Experian, XXXX, XXXX the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my 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 2021-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX, 2021 I called Wells Fargo to apply for a refinance of my mortgage loan based on information that I found on my account page on the Wells Fargo 's webpage, it showed that I had a fico credit score of XXXX and I was told by a Wells Fargo representative that a fico credit score of XXXX was sufficient for refinancing my mortgage. On XXXX a letter of denial was mailed to me stating that my application was declined due a fico credit of XXXX.Why does Wells Fargo put misleading information on their account website that leads people to feel that they have a opportunity to refinance their mortgage for a much lower interest rate?

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 2023-08-31
Company: U.S. BANCORP
State: MN
Product: Credit 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:
US Bank owes me a refund of {$3500.00} from VISA transaction ID XXXX but no one at the corporation will search for My Missing Money, find out where it was mis-applied or mis-appropriated, and return the money to me. 

Details of my complaint are specified in CFPB Case XXXX which seeks to find or locate My Missing Money. XXXX response to my complaint states On XX/XX/2021, the Seller issued a refund of {$3500.00} ( Refund ) for the Payment, which was credited to your Credit Card that same day. It is important to note that most refunds will appear within five business days. However, refunds can take up to 30 days depending on your financial institution. 

I have never received this refund to my credit card from US Bank. 

Individuals at US Bank that I have talked to maintain that US Bank did not receive the refund. I believe US Bank, in an effort to provide quality customer service to a XXXX year loyal customer, should be working with the gateway provider XXXX to determine where My Missing Money is. 

Other individuals at US Bank that I have talked to maintain that because I did not file a Bill in dispute notice within 60 days as per the Fair Credit Billing Act, that I am not entitled to my refund. This purchase occurred when I was doing a home remodel during Covid, and, like everything else in the world, nothing proceeded easily, normally or smoothly. Because of the pandemic, renters were offered protections through the CARES Act, home owners were offered Mortgage Relief, students were given Student Loan Relief, and many exceptions were made to standard rules, laws, and operating procedures. I believe I am justified in asking for an exception to the timing of the XXXX. After all, this is MY money that was refunded ; nobody else has a right to the refund of {$3500.00}. 

I look forward to reaching the following resolution : US Bank traces VISA transaction ID XXXX for the misapplied or misappropriated funds and returns the money to 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 2023-04-10
Company: FIRST NATIONAL BANK OF OMAHA
State: IN
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:
XX/XX/XXXX XXXX, XXXX, XXXX  As part of a scam on me, I was told to purchase gift cards at this store-as I was purchasing " secured funds '' to replenish my bank checking and savings account that hackers from XXXX XXXX sites ( XXXX and XXXX ) had sent through a withdrawal or {$11000.00}. 
This person-XXXX-said he was from the fraud dept at my bank and was authorized to work with me on getting my money back by using my available credit on my credit card. 
On XXXX, XX/XX/XXXX, I went to XXXX and purchased the gift cards as he directed. 
{$7500.00} was authorized by FNBO, but {$7000.00} was denied. 
I called FNBO on XX/XX/XXXX to let them know of the fraud/scam and they said they would investigate. I called again last week to find out what was going on and the gentleman said because I purchased the gift cards, FNBO couldn't honor the claim and on XXXX, XX/XX/XXXX received a letter affirming the same. This morning ( XX/XX/XXXX ), I spoke to a fraud rep and again exressed my concerns about this matter and had filed a police report, a report with the FBI, and my other credit cards used in this scam, honored my fraud claims. I was not offered an appeal, paperwork to support the incident. FNBO does not offer the appeal as a matter of their policy.

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 2022-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I contacted Equifax after getting my latest credit report from them on XX/XX/XXXX. The credit report are missing accounts that my creditor has submitted Equifax to add to my report. The two remaining Credit Bureaus are reporting the accounts accurately. 

The accounts are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX These accounts starting reportiong on XXXX and XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The owner is deceased, This home belongs to an estate. All documents and required documents were submitted to Ocwen Loan Servicing.

All documents were submitted : Loan Modification Family Transfer Package Owner Occupancy Certification Applicant Information Form Application Identification Certificate XX/XX/XXXX - The Transfer Deed was recorded for the grandson.

Everything Ocwen requested was done. XX/XX/XXXX. 
The transfer took place in XX/XX/XXXX. PHH refuse to even look at all of the submission even though PHH is an Ocwen Company.

They did have a sale told for XX/XX/XXXX. They said it was cancelled but we are not sure and the way they have told us so many stories every representative telling us another story that is why we are coming to you for help. 
We wanted to send them all that was sent but they refused, they claim the loan is being reviewed, for what and how can we be sure? ID # XXXX said the sale was on hold. on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase will not allow me to withdraw my money. 

This is a scam company that wont allow a bank account to be set up therefore unable to withdraw!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Tuesday XX/XX/23 at approximately XXXX XXXX I received a phone call from XXXX stating there was an attempt to make a wire transfer to a XXXX XXXX XXXX in Texas. I was asked if I had my card in my possession and I said yes. I was not asked for any other information about myself or my bank. I needed to leave to go to a drs appointment so I told caller I could not deal with this now. caller hung up but kept proceeding to call and I finally stated give me the information and I will handle this. 

I was given the routing number and account number. I again hung up and put phone on silence. Apparently phone kept ringing and ringing and I did not pick up. When I finally finished at the doctor I picked up and was again asked to go online to do this wire transfer reversal. I kept stalling and hanging up and then finally I told the person XXXX on the other end to stand by as I was going into the bank. They stayed on the line and once I was in the bank and told this person I was in the bank they hung up. 

I proceeded to file a claim with Chase bank and received a case # XXXX and a claim XXXX XXXX 

Chase now restricted my account. 

Upon returning home, I went online and noticed I received various emails from Chase but the one that puzzled me was the one at XXXX that said we have sent your wire transfer as you requested. ( which I never did ) Wednesday XX/XX/23 I received another call from XXXX again at XXXX XXXX and I said ok hold on let me let you speak with the police officer as I am at the police station ( which I was not really at ) and caller hung up. 

Now later in the day Chase bank called me and stated they are DENYING my claim because I literally made the wire transfer ( which I never did )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They collected all of my information. Loan officer XXXX XXXX refuses to give me a loan estimate. I already got credit damage becayse they checked my credit report but they did not give me a loan estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXXO BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.

Company response to consumer: Closed with explanation