BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021 trying to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Santander Consumer USA 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:
Reporting inaccurate and unverified information on my credit report that is harming my reputation as a consumer and ability to make necessary banking transactions. ( Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$22000.00} and amount of {$1100.00} past due allegedly owed to SANTANDER CONSUMER USA. Reporting alleged debt of {$3000.00} allegedly due to XXXX XXXX. Reporting alleged debt of {$420.00} allegedly due to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly due to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$100.00} allegedly due to XXXX XXXX XXXX who I have no written contract with. Reporting alleged collection from XXXX XXXX XXXX XXXX XXXX  who I have no written contract with. Violations of 15 USC 1692b ( 2 ) stating that I owe Debt. Violations of 15 USC 1692d ( 1 ) using language that causes harm to my reputation as a consumer and is hindering my ability to conduct banking transactions. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted the XXXX police department on XX/XX/2010. Spoke with former detective on the case of identity and fraud on Police report - # XXXX. I was notified PRA has never contacted them to retrieve police report in regards to the fraud on account ending XXXX. Yet PRA, continues to report this fraudulent debt anyways on my credit reports willfully and with negligence. It their responsibility to retrieve the police report directly from the XXXX police department. They are reporting this debt any ways to the credit reporting agencies. I have filed numerous complaints for them to cease reporting all debts in my name and obtain the police reports and yet they continue to violate the FCRA anyways freely. So I continue to report these violations to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had purchased a bitcoin from coinbase, the transfer of funds from my bank into coinbase went smoothly but when cashing out and requesting the transfer back to my bank account they have not done so.  This was XX/XX/2017 and the estimated transfer time according to the website was 48 hours. It is now XX/XX/XXXX and still my money has not been transferred back to my bank a total sum of $XXXXI have contacted them through the support link of the website and had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As of XX/XX/XXXX my Chase checking account was closed and removed from my online profile. From some information I was able to get from a customer service rep I was told the process started on XX/XX/2021. I only learned about the closure from logging into my account and seeing it had vanished from the list of accounts. Since then Chase has been no help whatsoever about reasoning of the closure or any info, other than they have the right to do it and no new accounts will be allowed. 

Two other items to note - 1 ) I used this checking account strictly to receive ACH transfers from XXXX for items I sell. My main checking/savings is through a local credit union. Once the funds were deposited into my Chase account I would transfer them to my main accounts. I did this because my local credit union was not listed on the XXXX XXXX verification system and repeatedly had issues getting them to deposit. Once I opened the Chase account and was able to use the XXXX system I had no issues for over a year. 

2 ) I also had two lines of credit ( totaling around $ 30K ) with Chase which have both been closed now. The answer that I got from the credit side of Chase was that it had nothing to do with the way I managed the credit cards, the decision to close was based on a decision from the retail side but all my business with Chase will be closed. Since the only item I have on the retail side was the checking account I can only assume this checking account is what they're referring to. 

Since the closures of my credit accounts and now checking accounts I have reached out to Chase multiple times trying to get info and see about the possibility of a review etc. which has been met with closed ears. Only being told that they can not disclose the reasoning and that Chase has the right to close any account at any time as they see fit. 

From what I have read from other consumers through various online platforms this has happened to countless people and the same result, no info or explanation provided by Chase. It seems a decision is made by an algorithm or automated process if it doesn't like your banking practices or thinks something nefarious is happening. My own deduction is that something was triggered because of the way I used the account to receive my XXXX ACH transfers and then transferred to my local credit union account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Early Warning Services, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Early warning system is now in receipt of my theirs dispute of fraudulent accounts listed on my credit report with them. I was recently denied by XXXX XXXX bank in XX/XX/XXXX for a regular checking account due to EWS credit check of accounts listed on my credit report with them. These accounts had regular fraudulent activity and were closed due to fraud. They should not be listed on my credit report as the information is not 100 % complete or accurate according to the rules and regulations of the FCRA. The data in my report has to maintain 100 % accuracy. EWS fails to honor this agreement to maintain this 100 % completeness and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hello I attempted on several occasions to fix the errors on my report! I work extremely hard to pay my bills and also to keep good credit! I can not get a mortgage with XXXX XXXX because of these accounts that do not belong to me! I have submitted and am desperately seeking a resolution, please see the following accounts that do not belong to me! XXXX XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  XXXX. All of these accounts have been sent in to all three credit reporting agencies and have been notified that they are no mine! Please Remove them inorder for me to obtain my life back!

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 2022-02-03
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my boat loan on XX/XX/2022. Since then I have been trying to contact Santander Consumer USA to get the title but since my account is paid off, it is no longer active. When I try to call Santander, without a valid account number ( mine is apparently deactivated ) the phone system does not allow you to continue. I have used their web portal to send at least 4 emails over the past 4 weeks and none have been answered. I tried calling a local office ( XXXX XXXX  - recording says office now closed ) and their headquarters in XXXX  ( published number only allows you to enter your extension to gather voicemail messages- sounds like this is for employees only ). I have searched the web and tried every number I can find- it seems there is no way to reach this company. 

I need to sell my boat but every month that Santander does not send me my title it costs me another {$300.00} in storage fees. What kind of a company has no way for its customers ( immediate past customers anyway ) to contact them, and actively ignores emails? 

My next stop may have to be my attorney if I can not get this resolved. Thank you. 

P.S. attached screenshot shows my account paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am being billed for a Stafford Loan taken out by someone with my name in XXXX of 1987. The loan servicing agency ( Fedloan Servicing ) told me that the loan was taken out for a student at XXXX XXXX School ( I am not sure of the spelling ). This could not be my loan as I was XXXX at that time and have never attended this institution. I have contacted the agency and they are unwilling to work with me, suggesting that I obtain a police report for something that happened to someone else thirty years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: CA
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:
I have unauthorized inquiries from : -XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. 
Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.

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 2022-02-03
Company: Affirm Holdings, Inc
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Affirm emailed me an advertisement on XX/XX/XXXX for a savings account with a 1 % APY. At the bottom of the email in small text, a disclaimer read " This APY is effective as of XX/XX/XXXX and may change at any time before or after account opening. '' I have been looking for an attractive XXXX so I was interested when I read this email today, XX/XX/XXXX. I searched online and looked at the Affirm app in my phone for more information about their savings accounts. On their site and in their app I saw that they advertise an APY of only .65 %. When I called their customer service line and tried to clarify what their APY is and why I was misled, they told me that to get my accurate APY I would need to open the account. I insisted that no, they're advertising a rate and that's the rate the account is set at, so why are they sending emails with misleading rates that haven't been offered for years? I was escalated to a supervisor who admitted that to her knowledge, they do not offer any savings account with 1 % APY and said she'd file an internal complaint. I told them that they now have notice that they're violating consumers ' rights and that I would file complaints against them with their regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
TRIED TO FILE CLAIM FOR XXXX TAKEN FROM MY ACCOUNT BY XXXX XXXX  XXXX WITHOUT MY KNOWLEDGE FOR THE SALE OF 4 TIMESHARES. IVE CALLED AND WRITEN LETTERS, I PAID XXXX XXXX XX/XX/XXXX AT XXXX TO HELP ME GET MY MONEY BACK.CAN YOU PLEASE HELP ME GET MY MONEY BACK ... CAN YOU PLEASE HELP ME. BANK OF AMERICA CARD PUT ME ON HOLD EVERY TIME I CALL THEY SPEAK RUDE TO ME AND RAISE THERE VOICE TO ME AND TREAT ME BADLY. CAN YOU PLEASE HELP ME.. AGAINST BANK OF AMERICA CARD MASTER CARD # XXXX CALLED THEM XX/XX/XXXX SPOKE WITH XXXX FOR 40 MIN THEN XXXX FOR ANOTHER 40 MIN WHO REFUSED TO HELP ME.. CALLED XXXX XXXX XXXX XXXX WHO SAID XXXX XXXX XXXX  CLOSED XXXX THEN CALLED XXXX XXXX XXXX XXXX WHO SAID THEY DONT REPRESENT ME ANYMORE HOWEVER NOT CLOSED. MY STATMENTS SHOWS ON XX/XX/XXXX AT 13HRS AND 11 SECONDS XXXX WAS WITHDRAWN YET THE BANK REFUSES TO ACKNOWLEDGE.

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 2019-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying for more than 10 days to fix an error on all three credit reports. Equifax fixed the error which was probably caused by their breach within 24 hours. I filed to have XXXX  also fix the 2 errors. 
I am not XXXX XXXX XXXX XXXX and I have never lived at XXXX XXXX XXXX, XXXX  XXXX, XXXX, Fl XXXX. 
These two errors need to be fixed by both XXXX and Equifax. I have tried to contact Equifax for over 1 week and they are impossible to deal with. Their dispute website does not work and I keep getting kicked off. If you pay for a yearly membership, you might get through, but I doubt if that would even work. There is no human contact or customer service to help. Of all the credit bureaus they are the worst and only want to sell me my credit report or establish a membership. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent TransUnion Multiple requests for Debt Validation letters and have submitted multiple online disputes. I am requesting per my legal rights the following information identifying the original creditor copy of the original contract with a wet signature and or electronic signature a copy of the contract between them and the original creditor proof of license or bonded complete transaction history proof within statute of limitations have you filed a judgment on these debts insurance claims amount of debt account number date debt became payable first date of delinquency amount collector paid for the debt This is in regards to the Account Numbered XXXX they are reporting on my credit report in the amount of {$3500.00} They have violated my rights each time i have requested this information by simply not complying with my legal request

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 2022-02-03
Company: TRANSWORLD SYSTEMS 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 information incorrect

Complaint:
In XX/XX/XXXX XXXX, XXXX University and/or its representative falsely certified eligibility to receive Perkins Loans funds on my behalf by forging my information. I have never taken out a Federal Perkins Loan or signed off on a Promissory Note to provide monies to XXXX University. 

UAS : The original loan servicer, sent to me thru the Consumer Financial Protection Bureau on XX/XX/XXXX a response letter stating that the Federal Perkins loan was placed with UAS on XX/XX/XXXX and on that date the loan became in deferment. Please see the attached letter. 

However, after a request of validation of the Perkins Loan to XXXX University, the current XXXX Department of Education loan servicer provided a Promissory Note from XXXX University, alleging that the Perkins Loan was signed and became effective XX/XX/XXXX. In addition I would like to point out that the XXXX does not include my signature. Please see attached. 

Attached is also the Financial Aid Award Year Summary, that I received from the Financial Advisor, XXXX XXXX on XX/XX/XXXX. The summary clearly states, Federal Perkins Loan {$0.00}. 

I also have dated correspondence from XXXX University in several failed attempts from XXXX University to get my signature for a Perkins Loan that I did not request, need or sign. This information is being provided to the XXXX XXXX XXXX XXXXXXXX. 

I am requesting that UAS and XXXX University remove all of the late payment of 120 and 180 days from my credit report with the Credit Bureaus immediately. 

I am also requesting that UAS and XXXX University have XXXX remove any and all collections from my credit report and remove reported Federal Perkins loans from the US Department of Education. IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX a merchant called XXXX XXXX XXXX had their transaction declined through my Chase Freedom card. I called Chase on XX/XX/XXXX to inquire about that. Earlier on XX/XX/XXXX, that same merchant tried to use my card and I filed a dispute and placed a stop payment on future transactions from that merchant. That explains why the transaction on XX/XX/XXXX was denied. For the dispute it has been resolved and the merchant refunded me the disputed amount easily. 

Now the problem is on how to remove the stop payment on future transactions from that merchant. I have been on the phone with multiple representatives from Chase Freedom and been rerouted to multiple departments so that I can remove that block. It's a shame how Chase is actually handling such issue. From customer service, to senior customer service specialist, to fraud security department, to dispute department, and back to customer service again. Endless rerouting and endless talks with different people and the problem isn't resolved yet. One rep asks me for very detailed verification information to another rep who doesn't know if there is a block on the card to another rep who doesn't have a clue why the transaction has been denied. Endless calls and endless stories. I NEED A RESOLUTION OR I WILL CLOSE MY CARD PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: NAVY FEDERAL CREDIT UNION
State: NV
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/2019 To : Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Re : Reference to complaint ID XXXX and XXXX Dear Sir or Madame, This is the third complaint about Navy Federal Credit Union in connection to my previous complaint ID XXXX and XXXX. I called Navy Federal Credit Union today, XX/XX/2019 at XXXX Pacific Time and spoke to XXXX , she advised that my dispute case has been closed and will not re-open. How could they close my case if the letter they send me previously stated that they need 60 days to work on my case? The reason the case was closed is because is because of the lime limit has reach and nothing they can do about it. 
This is ridiculous, I got scam from the merchant XXXX, they purposely sent me the wrong items and now my bank turn their back on me, not helping me to get my money back? 
I went to the XXXX store and turn the 4 crown cases to them. Below are the tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the XXXX, the merchant should receive their merchandise by Wednesday, XX/XX/2019. Im reaching out for your help to get my money back. Meanwhile, I will seek out for legal advice from my attorney if I cant get my money back. I cant believe that Navy Federal Credit Union closed my dispute case and did not try to help me at all. Should you have any question about my complaint, please contact me at : XXXX. 

Thank you for your time. 
XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, In reviewing my Public Service Loan Forgiveness payment updates documents, I noticed a discount of six previously counted payments. Specifically, XX/XX/XXXX and from XX/XX/XXXX. For the period between XXXX I am listed as making 6 qualifying payments in the XX/XX/XXXX document from FedLoan. The XX/XX/XXXX document lists 0 qualifying payments for that same period between XXXX. Both FedLoan payment records and my personal bank statements list payments being made during that period. Please assist me in addressing this this blatant incongruity.

Company response to consumer: Closed with explanation