BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Booked a flight XXXX reservation code. Under terms and conditions, it says this ticket is refundable. However, when trying to get a refund/cancel the ticket because of a change in travel plans, chase said that I can only receive a voucher. 

I believe this is deceptive on the part of Chase because a refundable ticket and a travel voucher are not the same, and I wouldn't have booked the ticket if I had known the refund was in the form of a travel voucher. The statement " this ticket is fully refundable '' reasonably implies that the buyer will get a refund in the original payment method My request is that chase refunds to points used to book this trip back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was sued by Encore Capital Group in XXXX in the state of Texas for an old debt. I challenged the validity of the affidavits filed during the suit, and even contacted the State of Minnesota to start an investigation in the notary habits of MCM ( based in Minnesota ). The XXXX in my debt case with Encore ruled against me and said that my objections were noted. In XXXX the CPFB filed a Consent order against Encore. Paragraph 146 of the Consent Order states : For the Dispute Affidavit LAwsuit Debt that has yet to be collected, expected to total more than {>= $1,000,000}, Encore must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Dispute Affidavit Lawsuits ; b. Release or move to vacate all judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c. Cease post-judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits ; and d. Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable. 

To this date Encore has still not done any of this regarding my case with them. When Contacting Encore they have said that they are not aware of the Consent Order and that the Debt is valid. They took my written complaint to them as a Debt Validation Request, and did not look into the account. If they had they would have seen that my account and the above mentioned court case occurred within the Rlevant Time Period of the Consent order. 

I am asking that Encore vacate the Judgment against me, and remove all accounts from my Credit Reports. And that they no longer violate the Consent Order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened up XXXX accounts with TD Bank under my name, and gathered information from an XXXX account. They purchased random items on XXXX XXXX, and XXXX using these XXXX XXXX cards which shipped to my house. They then purchased a {$100.00} gift card and shipped it to their own address using one of those debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I submitted a withdrawal request via wire transfer on XX/XX/XXXX in the amount of {$10000.00} from GDAX ( owned by Coinbase ). Wire transfer was promised to be processed with the funds available in my bank account within 1 business day. I submitted a request to GDAX to address the missing funds on XX/XX/XXXX. I then followed up again on XX/XX/XXXX with another request for GDAX to address my missing funds. They have not replied to either requests, and my funds have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account in XXXX with BMO 's promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included retirement/pension payments. I went out on leave from work in XXXX and started using funds from my retirement account for ongoing expenses. I deposited these funds from my account to BMO several times over the following 90 days. However, BMO is now telling me that those deposits are a fund transfer and I am therefore not eligible for the account promotion, despite them listing retirement/pension payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.

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 2020-04-25
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 DISPUTED ITEMS WITH EQUIFAX ON XX/XX/XXXX AND XX/XX/XXXX EQUIFAX REFUSE TO INVESTIGATE THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had fraudulent activity on my Wells Fargo checking account. Someone was able to gain access to my online account, change my login and password. After gaining access, I received a call from a person ( Male ) claiming to be from XXXX on XXXX stating they were verifying a charge in Ohio for {$1000.00} that looked like fraudulent activity. I told them I was not in Ohio and did not make a purchase. They stated they ( WellsFargo ) would remove the charge and needed to verify that I was XXXX XXXX by sending me an immediate text message with a confirmation to repeat back to them on the phone. I immediately received a Text message ( stated in text that it was WellsFargo ) and repeated the confirmation code to the WellsFargo representative. They said all would be fine now and that the charge for {$1000.00} will be removed. Ended call. I immediately signed into my account ... which was an issue as my password & login seemed to be wrong. I did the necessary steps to reset login and immediately noticed a {$2400.00} Transfer out of my savings labeled " Transfer to Prevent Help ''. I called WellsFargo ( XXXX # listed online ) and who informed me that I was scammed and a claim would be initiated and they would set up an investigation. I was upset as they continued the process of reading the legal statements and were not AT ALL reassuring that this was going to all work out once they investigated. It has been 7 days and I have done all necessary ( went to the branch, changed accounts to new accounts etc ). I am aware that I have rights to my $ $ and ca n't believe it takes this long to determine that it was fraudulent activity. I 've contacted my local WellsFargo Banker and he said I will get my money back but not until after the 10 BUSINESS days. Is this fair?

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 2017-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Please refer to prior Case number : XXXX. 

In addition, the case was investigated by the FL Attorney General XXXX, who shuttered the fraudulent vendor XXXX XXXX Scheme XXXX XXXX  XXXXXXXX  XXXXXXXX XXXX XXXXXXXX, air, care XXXX County Clerk of Courts Office of the Attorney General Plaintiff vs. XXXX XXXX, et al Defendant XXXX XXXX  XXXX Case Number : XXXX The account was managed by XXXX XXXX XXXX & XXXX, XXXX XXXX on behalf of Bank of America. 

The Bank of America case as previously reported was represented by attorney XXXX XXXX XXXX XXXX XXXX, XXXX. The Attorney and record filed claims in the XXXX XXXX XXXX, FL Small Claims court CAPTIONED BANK OF AMERICA, N.A. V.  XXXX XXXX XXXX IN XXXX XXXX COUNTY COURT, CASE NO. XXXX ( COMPLAINT ). The Complaint alleged the Defendant became indebted to XXXX and presently owes {$2800.00} ( the Allegations ) regarding the consumer credit account number ending in XXXX. 

Attorney XXXX XXXX XXXX XXXX XXXX, XXXX. handling Case No. XXXX ( Complaint ) terminated the case by voluntary dismal. 

However, the item in dispute continue to appear on my credit report with a status of KD - Key Derogatory ( Charge off ) on both my XXXX and XXXX credit files. 

I have contacted both XXXX and XXXX over a XXXX and XXXX of XXXX with the supporting documentation and documented stamped/validated by the XXXX XXXX XXXX Clerk of Court. 

Today XX/XX/XXXX, I spoke with a representative at XXXX told me on a recorded line who told that the Bank of America had instructed them ( XXXX ) to keep the KD - Key Derogatory ( Charge off ) status on my credit report. When asked if I could get a copy of that instructions communicated by Bank of America, I was told that it could only be obtained via court subpoena. 

I would like the Consumer Financial Protection Bureau to enforce the terms of the voluntary dismal as agreed and signed with Bank of America Attorney XXXX XXXX XXXX XXXX XXXX, XXXX. and have the Bank of America status of KD - Key Derogatory ( Charge off ) on both my credit files i.e. XXXX, XXXX, XXXX, XXXX, etc.

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 2022-03-13
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-11-06
Company: EQUIFAX, INC.
State: NJ
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX ) , ( XXXX XXXX XXXX ), ( XXXX XXXX ) , ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( US SM BUS AMIN XXXX ), ( XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report . This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have 2 bankruptcies show on my Trans Union credit report .I contacted the court they stated they DO NOT share any information with third party.So how is it Transunion continuously stating it has been verified. Through WHOM?

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 2022-03-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been in communication with Experian for almost a year trying to get them to update my credit profile. XXXX and XXXX have updated my credit profile to show new lines of credit that I have acquired in an effort to improve my scores but all attempts to get Experian to update my file have failed. Experian refuses to update my mortgage history and all other credit I have obtained. The only trade line they show is a negative account that was resolved and I had to file a complaint with them to update that account to show it paid. This situation continues to cost me money as some companies credit decisions are only based on Experian 's report. My attempts to utilize my relationships with my credit unions have all been denied due to my Experian credit profile or lack thereof. This has caused irreparable damage to my finances due to rising interest rates and my inability to get my mortgage refinanced thru my credit unions. I demand that this failure to comply with credit reporting guidelines be fixed immediately.

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 2017-10-31
Company: Innovate Managed Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On my credit report the the company ( XXXX XXXX XXXX [ closed ] /XXXX XXXX XXXX ) states that I owe {$10000.00}. I spoke to a rep in the repo dept department at XXXX and he said that I only owed {$3200.00} ( estimated ). That 's the first complaint. Second complaint is the fact that XXXX XXXX XXXX never notified me of the selling of my account. Third complaint, this company is reporting me as being late several times throughout the loan when in fact ... I was never late a single payment until I lost my job. The company repo'ed my car causing me financial hardship and severely affecting my credit worthiness in getting another vehicle. I tried to communicate with the above company to no avail. They were n't hearing anything that I had to say. I called several times and each and every rep was extremely rude and totally heartless. Please remove this company from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that XXXX XXXX XXXX is reporting late payments tarnishing my consumer credit report when the car was already paid 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 2019-04-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 2 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that XXXX XXXX XXXX is reporting late payments tarnishing my consumer credit report when the car was already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Paramount Capital Group, Inc.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was removed 100 % from an account XX/XX/2020. The loan was from Paramount Capital Group through XXXX XXXX XXXX XXXX. Paramount Capital removed me from this account in full. XXXX has now sent this into collections. I HAVE BEEN REMOVED FROM THIS ACCOUNT. WHY is this being sent to collection if I was removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had an account with coinbase to purchase and store crypto currency. On XXXX XXXX I had reason to believe my account had been compromised and immediately closed my account. Upon doing so I was prompted automatically to empty my digital wallets and transfer any balance to external wallets. However, i had vault withdrawal ( a multi-sig delayed transaction Wallet, used for extra security, withdrawals take 48 hours to complete ) of XXXX bitcoin in process which I had forgotten about. I was NOT prompted to transfer this or reminded in any way. As soon as I realised I tried time and time again to contact coinbase to no avail. Finally I managed to get through to them on XXXX XXXX where the operator said he couldnt see the transaction and we then got cut off. I forwarded the withdrawel confirmation email and requested they call me back but they did not. I then managed to eventually get through to them again on XXXX XXXX and this time they confirmed the transfer had gone through and they could see the funds in my old wallet. The operator said he couldnt transfer them manually and a specialist would have to do it, but this would take a few weeks. I had no option but to agree obviously. A few hours later however, I received an email from coinbase stating that as I had closed the account, my funds were now forfeited to coinbase!!! I checked their terms and user agreement and there is no mention of this. They had already confirmed that a ) they can see the funds and b ) they are able to manually transfer the funds. So there is absolutely no justification for them to retain my funds at all, i committed no wrongdoing or breach of our terms. I closed my account ( and opened a new one ) due to security concerns. This is literally robbery!

Company response to consumer: Closed with explanation