BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Bank unilaterally decided to change my Freedom Unlimited Visa Platinum card to a Freedom Unlimited Visa Signature card. They claimed this is an upgrade, but none of my card features have changed OTHER than the inconvenience of having to notify all merchants that automatically bill my card with the new end date and CVV. I made multiple efforts to request that I be able to maintain the use of my current card but Chase refuses to honor my request. What is infuriating is that Chase continues to accept applications for the Freedom Unlimited Visa Platinum card, but ignores my requests to allow me to continue to use my current card. Clearly Chase does not care about customer service. I suspect something is not right with Chase 's actions and am inclined to believe someone within Chase has engaged in shady dealings that has prompted a so-called " upgrade '' that is nothing more than a gross inconvenience for me. I have no viable options -- if a close my card account that will harm my credit score and if I request a new Visa Platinum card I'm in the same boat as I am with the new card " upgrade '' that I did not request. Plus, a new card request will negatively impact my credit score. Chase is up to NO GOOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bull city collections has posted a collection on my credit report without contacting me first. I have no knowledge of the dept and my balance with the supposedly owed XXXX XXXX  is XXXX. I disputed the collection to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to this company to send validation and verification of charges in my credit report. I received a bill from a company with a different. I have been sued by XXXX XXXX and only paid as I feared what further damage this company would do to my credit. I feel this was done as a retaliation as I have began to take a closer look at my credit report and dispute inaccurate items. I do n't have a contract or any type of agreement with this company. This company has reached out to my parents and disclosed my personal information as well as mailed letters to their address. I have never given them any information for my parents. I fear that because if this complaint they will try to sue me again. I am in fear they may send something to my job which could cause impact on my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been a Coinbase customer since XXXX. Since that time, I have had no issues with my account. On XX/XX/XXXX, Coinbase locked me out of my account for no reason, and did not send me an email to tell me that it was doing so. On XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, of XXXX I called Coinbase and they informed me that I would need to complete identity verification by sending in a photo of myself which included a picture of my ID and a note stating " FOR COINBASE AUTHORIZATION. '' I did what was requested and then I got no response. I called Coinbase again, and they put me on hold 4 times, and told me to expect a follow up email. An email had not been received after 24 hours. I called Coinbase again, again was told to wait for an email from the escalation team. At this point I have done what has been requested of me to do. I want Coinbase to restore my account. It should not be this difficult or time consuming to get identify verification completed. As well, I use my Coinbase for regular purchases and it is my primary means of payment, without it, I am without my capability to pay for things I normally purchase. Coinbase has shown no sense of urgency to restore my account so that I may continue doing my business as normal. They have denied me to delete my banking account information or have access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Santander locked me into a predatory lending auto loan. Once I figured it I tried to negotiate a lower rate because I knew I would n't be able to make the payments due to missing work because my wife was Ill. I 've paid a {$510.00} car note for 4 years. I did n't receive any notice and they repo the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
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:
At the beginning of XXXX, I received a promotional offer from PenFed for {$50.00} back if I spent either {$500.00} or {$1000.00} within the month ( both amounts were listed as 'required ' in their terms -- extremely unclear and poorly worded ). I emailed for clarification and got no response, an ongoing issue with PenFed 's customer 'service ' department as will be noted shortly. I contacted them again, given the time-sensitive nature of the offer, and was told that they would NOT honor the {$50.00} for {$500.00} offer and I would have to spend a full {$1000.00}. So I jumped through a number of hoops to move auto payments around to get that done, only to get another email over a week later ( again, this is a promotion that was only good for a month ) that oh, oops, they'd screwed up, they did have to honor the original offer for {$500.00}. At the same time, I got another offer ( snail mail ) for {$50.00} off {$1000.00}. I asked if they would honor both given that I'd received both. Again, no response. Again, I ask again. PenFed acknowledges that they are completley responsible for the mistake, sending multiple offers, the bad information I was given, the incredibly late correction given the time sensitivity of the issue, and yet they aren't going to do anything -- their customers are just going to have to absorb their mistake. I contact them again asking for a manager or supervisor to reconsider given how poorly this was handled. Again, no response. I FINALLY get someone on the phone on XX/XX/XXXX and per her given the amount of hassle and incredibly poor customer service on PenFed 's  part she would immediately have credited my account the missing money, but since this promotion was through a credit card it had to get approval. However, she would forward it directly to them and I would have my response in writing shortly. It's now XX/XX/XXXX ( OVER a month ) and PenFed 's  complete lack of customer service continues as I still have no response and no credit for the second promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I have a credit card from CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an email today from a company I have never had any contact with and they claim I owe money to Chase Bank. I have not now or in the past had an account with Chase bank in any state since before XXXX of XXXX  and do not currently have an account. I left in a friendly manner before XXXX  and owed nothing to them, no loans, no credit cards or any other outstanding account to create an outstanding bill. I left Chase because of their incompetence but owed them nothing. There are over 26 thousand XXXX XXXX in this country. 

Their means of contact do not work, phone disconnected, email returned and no information to contact them. 
The company ( if real ) is " XXXX '' XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. 

This attempt to collect a debt not owed through force and fear, a crime. Further, it is in violation of 15 USC 41 ; sec 1681, et. seq. 

Simply put, this is a dishonest company trying to extort money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sent letter to collection agency to remove this account from my credit report because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following Inquiries do not belong to me nor did I authorize them : 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 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 2022-02-04
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 belongs to someone else

Complaint:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Credit card from Bank of America Allegiant was opened in my name. I did not apply for this credit card. I contacted the credit card company on XX/XX/22 to cancel the card and they cancelled the card. I waited on hold for over 45 minutes waiting to speak with the fraud department to determine how/why/when this card was applied for and did not get to speak with a representative.

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 2019-10-21
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/XXXX I went to the local XXXX store to upgrade my cell. The salesperson said they had a special for upgrading to include 2 tablets. I really didn't want or need the tablets but agreed to try the new cell ( I opted for 2 upgraded phones ). A week later I decided I didn't like the new cells and didn't want the tablets ( didn't use them, still in box, but salesperson insisted on activating the tablets ) I returned the tablets & phones to the store and was given a device return slip for both tablets and the phones were just an exchange for 1 upgraded phone. I also called XXXX and they saw that the tablets & cells were returned and gave me a credit for the early termination of the unwanted tablets & phones. I was told this wouldn't be a problem as they had an exclusive " holiday return from XX/XX/XXXX to XX/XX/XXXX '' and I wouldn't be responsible for an early termination. Well then a few months ago I started to received messages on my new cell ( new # was given to me when I got the new phone ) The messages asked that Aldous & Assoc be contacted and they were trying to collect a debt. I couldn't understand why as I was told & received the return device receipt and assured by XXXX nothing was owed. The cell messages from this firm were on a weekly basis and I had my husband speak with the " law firm/collection '' company. They were rude to him and began yelling. My husband asked them to send a verification of debt, they said they had but the address they had was not even correct. We gave them our current address and they denied receiving anything. Called them back and they said to send a self stamped address envelope with proof of the cancellation & return of the devices, which we did. Last week another call came in asking us to call again, then a letter saying we owe {$600.00} ( down the from {$700.00} ) they said we owed for the tablets. The last paragraph stated " At this time no attorney with this firm has personally reviewed the particular circumstances of your acct ( which the acct # was also wrong ). 
So if they haven't reviewed our XXXX device return receipt and the account is wrong, why the abusive phone calls and letters with incorrect information. This is very disturbing to be accused of a debt that is totally wrong. This law firm/collection company has multiple complaints ( over 183+ ) saying the same thing and threatening to take people to collections without reviewing the information sent. This is being labeled as a " Scam to collect debt '' by using tactics that are illegal. I wish to have this reported and an investigation done on the unfair credit practices they have tried to get away with. Totally unethical business practices and needs to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our credit score

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 explanation
Consumer complaint received 2018-01-04
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: Investigation took more than 30 days

Complaint:
I sent the attached letter to Equifax on XX/XX/17 requesting an investigation into unknown unauthorized inquiries that have been placed on my report. I have called these places listed and none were able to locate anywhere in their systems where I applied for or allowed my credit to be viewed. I received a response ( attached ) from Equifax that does n't indicate any result of their investigation even well past FCRA time frame allowed for investigation. These inquiries need to be removed. I have attached my Driver 's License and Social Security Card as well. Any name, address, social, or personal information that is on my report that does not match, needs to be immediately removed to be compliant. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 applied for a CapitalOne XXXX card in XXXX, with a zero percent introductory rate for 12 months. After reviewing my statements, I realized they have been charging me interest greater than 15 % since I received the card. When I contacted CapitalOne, they said I was likely declined for the card with zero percent interest that I originally applied for and was given a counter offer of this card instead. I do not recall any notification of being declined for the original offer and feel I was tricked into the card I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
in 2016 i went thru a hardship i am single parent. i asked penny mac to do a loan modifaction.The under writer was XXXX XXXX, i had two jobs at that time to try to get caught up on things. i had everything i needed to get it done ..She forgot to add it XXXX XXXX XXXX paystibs all together!!! and with out that i did not qualify, so i said wello its your mistake, redo the file and add that income back in. XXXX XXXX from pennymac said no file was closed and new file would have to be open. This is my home! That was a huge mistake, she was rude and seemed as if i was bothering her. So i reopened another file. Working through XXXX.Faxed over all the paper work my dad and i thought penny mac needed, they asked my dad to co sighn even though he does not live here and they asked for a letter stating he does not contribute to the bills. XX/XX/XXXX we had a phone conference with penny mac, home start, and myself and XXXX XXXX from from penny mac states he does not have paper work.In the mean time i called XXXX XXXX my point of contact at penny mac and offered to make a large payment XXXX $ to get caught up on payments, i received part of an inheritence and explaned i am also expexting a large settlment soon from auto accident and will be able to get caught up. He said no!!!! Are you kidding me? i really feel like penny mac is jerking me around and trying ton forclose on my home because now i am so far behind and they keep adding these attorny fees. i reaally feel i nmeed help here.my dad is willing to co sign we fax over paper work to them this is ridiculous,

Company response to consumer: Closed with explanation