BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. Back between XXXX I had a mastercard, ending in XXXX with HSBC. This was paid off over 8 years ago. We have filed disputes with all the bureaus back in XXXX because HSBC kept sending it to collections agencies and we had to have it removed from our credit long after it was paid off. The last time we sent our information in was back in XXXX and again in XXXX. The files were removed from our credit and listed as paid off. I received a call on XX/XX/XXXX from XXXX XXXX XXXX XXXX company ph XXXX, saying they were about to garnish my wages, put a summons on my door step, contact my employer, will take strick action, file suit in court and file the collections unless I pay $ XXXX balance to them immediately. I explained it was paid for, explained the years that it was paid off, that it was removed from my credit back over 8 years ago and they said they would be putting it on my credit report unless I paid them that day. We've gotten NO notice this was even trying to be collected. Looked them up and they have a current " XXXX  '' rating with XXXX  and have MANY other consumers have been affected exactly the same way over the last 3 weeks, specifically with HSBC trying to collect on paid for debt, and old debt, the complaints are public on XXXX. XXXX XXXX XXXX XXXX filed an illegal collections account on my XXXX  credit report on XX/XX/XXXX and listed a falsified charge off date of XXXX. Tennessee statute of limitations states it must be collected within 6 years of the last payment. This account was paid off over 8 years ago, removed from my credit once for being paid off and now is back on my credit report through XXXX  on a collection, way beyond the SOL and falsely listed because it's paid off AND has a false date. Please help me correct this. Please look back at my XXXX, XXXX  and XXXX  reports and you will see that it was removed over 8 years ago and this is a false collection under the SOL. I am trying to find my original paid off letter, but we lived in XXXX XXXX from XXXX and were victims of the XXXX XXXX Floods, so I'm having difficulty finding it. Please punish them for all this horrible illegal activity they are committing, both HSBC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, INC.
State: PR
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:
After reviewing my credit report on XX/XX/18, I noticed late payments reported on my loan with XXXX XXXX. The lates reported correspond to the passing of Hurricane Maria wich affected the island of Puerto Rico during the months these lates were reported. Access to banking services where impossilbe for everyone since the island suffered from a major hurricane disaster and there was no way to obtain access to banking accounts and all our systems collapsed. These lates reporting are affecting me adversely since I am in the process of purchasing a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is on my XXXX and Experian credit report with negative remarks. This company contract with me was not a legal contract and the warranty that was part of the credit acceptance and not an outside company. XXXX XXXX XXXX sold me a vehicle with issues that they held the warranty for and I couldn't get the vehicle fixed or issues resolved because of this. Subsequently they agreed to take the vehicle back and take this off of my credit report and this still has not been done.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Account shows 30 days late payment from XX/XX/2020 in the amount of {$670.00}. This account never has had a late payment. Please correct this incorrect information on my credit 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 2018-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went into my local branch at XXXX XXXX XXXX to have someone help me setup automatic payments on one of my credit cards. I was told automatic payment were successfully setup. Not once was an automatic payment taken out. This resulted in a 30 day late on my credit report. 

I do not believe that the 30 day late is accurate since I made effort on my behalf to make sure this was setup properly.

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 2019-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX /XX/XX/XXXX - DIFFERENT BUREAUS IS SHOWING DIFFERENT LATE MARKS!!!! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2018-01-24
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I MADE A WIRE TRANSFER TO COINBASE OUT OF XXXX XXXX XXXX ON XX/XX/XXXX AT XXXX. MY WIRE HAS NOT BEEN POSTED TO MY ACCOUNT. I HAVE CALLED COINBASE EVERY DAY SINCE XX/XX/XXXX TO NO ASSISTANCE FROM CUSTOMER SERVICE. THEY ASK ME TO OPEN UP TICKETS TO WHOM I HAVE RECEIVED NO RESPONSE FROM. I HAVE ALREADY OPENED 4 TICKETS ( I CAN PROVIDE THOSE TICKET NUMBERS IF NEEDED ) AND NO RESPONSE FROM ANY OF THE EMAILS. I HAVE EMAILED PRIORITYSUPPORT, COINBASE SUPPORT, WIRE SUPPORT NO RESPONSE. MY MONEY WAS TAKEN AND NEVER POSTED TO MY ACCOUNT WIRE AMOUNT IS XXXX . XXXX XXXX HAS CONFIRMED THE FUNDS WERE SENT TO COINBASE THE SAME DAY THE WIRE WAS INITIATED XX/XX/XXXX. COINBASE HAS TAKEN MY MONEY AND REFUSES TO CREDIT MY ACCOUNT AND REFUSE TO RESPOND TO ANY OF MY EMAILS AND CALLS AND TICKETS OPENED. I HAVE LOST THOUSANDS IN THIS TIME BY NOT BEING ABLE TO PURCHASE OR DO ANYTHING WITHOUT MY MONEY, THIS IS WIRE FRAUD. PLEASE PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX I purchased 3 Netspend prepaid card by mistake from XXXX. After I realized they were n't what I needed I took them back, but XXXX said they could not refund the money. I had to contact Netspend for the refund. I contacted them XX/XX/XXXX by phone to make request for refund. After I did not receive it, I contacted them by phone again on XX/XX/XXXX. I still did not receive the refund by XX/XX/XXXX and called back again. I am currently speaking with them today,XX/XX/XXXX, to get my refund but they seem to be holding my money.

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 2018-01-24
Company: Diversified Consultants, 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:
My account was closed onXX/XX/XXXX. On XX/XX/XXXX my girlfriend attempted to open a XXXX XXXX XXXX account and the rep stated that she had to pay a past due amount owed by me at our address because of a roommate policy. 

So she paid the past due amount of approx. {$190.00} owed by me on XX/XX/XXXX. Thus satisfying my debt. 

I then noticed in subsequent months that my credit report reflected this balance that I had with XXXX XXXX XXXX was not resolved. I have made several attempts to resolve this with both the XXXX XXXX XXXX XXXX and their Debt Collection Company Diversified Consultants. 

One of my calls was on XX/XX/XXXX I did not receive any resolution at that time. I placed another call was on XX/XX/XXXX at which time I was given a ticket number and told that in 5 business days it would be resolved and that I would receive a confirmation letter in the mail. I did not receive any letter about this nor any resolution. There was a 3rd call that I also placed which I was also given yet another ticket number and no resolution. 

Today I have called for the 4th time almost 2 years from the start and they simply generated another ticket number to string me along the same process yet again. 

They have damaged my credit for the past 2 years making it difficult for me to obtain credit from lenders, by continuously reporting an account in collections that is still outstanding at {$190.00} under the name Diversified Consultants. 

I have been sent back and forth between XXXX XXXX and Diversified Consultants who both say they do n't have the account and point to each other for me to get answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
State: DE
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:
I received a payment reminder that my payment was due AFTER the due date. Please see attached. I

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 2019-10-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Was issued a credit card through chase bank in XXXX of 2019. Received aggressive promotional pre approved offer for another credit card. Membership fee was {$95.00}. I then applied for 2nd  card and was approved in XX/XX/2019. By XX/XX/2019, both accounts had been closed due to the additional inquiry I obtained when applying for their card. And also what they described as my being risky due to searching for more credit. Now I have two closed accounts and two inquiries that are negatively impacting me. They gave me the credit then took it away because I applied for a card that they pushed for me to apply for. And then when I asked for a refund of annual fee I was told I would not receive the refund. Chase does not care about their customers. If youre going to flag accounts for too many inquiries you shouldnt be aggressively promoting applying for additional products.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My existing mortgage with Amerisave was refinanced. The closing occurred on XX/XX/2021. Prior to closing I requested Amerisave provide the total amount owned back to me through my escrow account, overpayments, etc. ; the date I would receive the funds ; and the method of the transaction. Amerisave 's VP Customer Services ' response was he had no access to this information and to reach out to their 3rd party XXXX XXXX provider, XXXX. XXXX 's response was they could not provide the amount, said XXXX weeks to receive the funds, and the funds would be sent by snail mail. Followed up with the VP and recently XXXX of Customer Services at Amerisave and requested the amount owed, expediting the timeframe to one week, and overnight delivery. Since XX/XX/XXXX, I have given up on expediting and simply asked Amerisave provide three things : The amount owed to me A date for receipt of funds to be received The Method of delivery It's XX/XX/XXXX and Amerisave has failed to provide answers to these questions. Their consistent response is they are working to get an answer from XXXX. 
Failure to provide this information is unacceptable and while some financial institutions made and continue to make concessions to accommodate the financial strains for their clients during the pandemic, Amerisave has gone out of their way to be evasive on the most basis level of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have been charged with overdraft and insufficient fund fee of {$34.00} by Chase bank 9 times in 20 days, recently I had enough money in the account to cover for 3 transactions ( {$370.00}, {$100.00} & {$30.00} ) and these transaction took place on Saturday but the bank due to the weekend shows them as pending transactions, I even received a text on my cell that transaction of {$370.00} was submitted to my account on Monday before they made a change.

Then after 3 days on Tuesday morning around 2 am a 4th transaction of {$760.00} hits the bank account and within 6 hours Chase bank rearranges the time and date of transaction and charges me with 4 insufficient fee 's of {$34.00} dollars for every transaction.

This is not the first time they have done this illegal act, in fact in last 4 months chance bank has charged me more than dozen of insufficient fee 's and every time I called to get explaination they denied wrong doing and said they have the right to charge as many fee 's they can.

I took snap shot of my bank account screen just to provide them with a proof of wrong doing but Chase bank representatives refused to even look at proof I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello CFPB, I am writing to you to report a credit card company that I have had a relationship with for several years and have had a good history with who refuses to lower my interest rate. I have called yearly for the past several years and have requested a drop in my interest rate and have been told repeatedly that I am not eligible for any drop in my rate at this time. In all of the time I have had this card I have had 1 ( one ) late payment that was not more than 30 days and my interest rate was raised. I have had a good history with this company before this incident and have had a good history after this incident and have been repeatedly told that I am not eligible to have my rate lowered. I also receive call from someone trying to gain access to my account and personal information claiming to represent this company and when I reported this call to the customer service representative I was told that she had received these calls as well but there was nothing she could do about it and seemed to be careless in regards to attempts on customer 's information. I asked her if she was going to file a report so her company could investigate this and she replied " Nah, this type of thing happens all of the time ''.

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX Transunion was notified that an auto loan was reporting multiple inaccuracies. I requested that they'd update the account, because I was never late. In XX/XX/XXXX, I deferred payment with an auto lender. The paid amount was agreed upon, however a late payment was reported. The auto loan is a " Joint Owner '' auto loan. 

Since then, multiple inaccuracies have been reported on the account as well. I then sent TransUnion a 3-Bureau screenshot of the numerous discrepancies reporting on the account and requested that they correct it. 

The " balance owed '' on all 3 bureaus are reporting different amounts, the " last payment activity '' dates are different, COVID-19 deferred payments are reporting as missed payments despite the accounts being notated as 'Affected by natural disaster '. 3-Bureau report also shows Transunion last payment was " XXXX XXXX '' and was last verified " XXXX XXXX '' ... However, today, XX/XX/XXXX, XXXX has been updated to a missed payment. 

XX/XX/XXXX is current, XX/XX/XXXX is current, XX/XX/XXXX says 60 days late ... XX/XX/XXXX was updated to 60 days late, yet 3-Bureau shows Transunion payment made XX/XX/XXXX and verified by Transunion on XXXX I asked creditor to defer payment due to COVID-19, creditor agreed. Creditor notated account as " Affected by natural disaster '' In XXXX. I made a payment of {$220.00} any way, and XXXX 's payment was updated today to another 60 day late. 

CFPB, Attached are the screenshots for your viewing. The attachments shown proves the various violations brought to Transunion 's attention. 

These inaccuracies and discrepancies are reflecting on both me and the joint owner 's credit report. I informed Transunion that if this is the same account, why is all of the information different and inaccurate? This is a violation of the FCRA and is not fair for the consumer. 

As of XX/XX/XXXX instead of Transunion removing the late payments from the account as I requested, the information was 'updated ' in a more contradicting and harmful way.

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 2021-03-08
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute on XX/XX/XXXX to XXXX, regarding the accuracy of the details of an account, and once the dispute was completed. XXXX  updated information on the account that was inaccurate and not verified by the creditor. They updated my report showing on-time payment history from months beginning XXXX, however this is inaccurate because the account was already closed and in a delinquent status prior to XX/XX/XXXX. When I contacted XXXX Dispute Customer Support, they advised that I contact the creditor directly. 

When I contacted the creditor ( Wells Fargo Card Services ) they said that it was the credit bureau 's responsibility for verifying the reported data. The creditor confirmed that this account was closed as of XX/XX/XXXX. However when asked to provide statements from the account to verify payment history, they said that they did not have these statements because the account in question was too old. I just need my report to reflect the accurate and complete 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 2021-08-18
Company: EQUIFAX, INC.
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:
Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID As well as my XXXX bank statement and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you

Company response to consumer: Closed with explanation