BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I raised a dispute regarding the transaction of {$1000.00} and this was regarding a bed I purchased from XXXX XXXX  store in XXXX on XX/XX/XXXX, I did try to contact the store severa times but they are not wiling to replace the bed or give me a credit regarding this transaction. The Bed is filled with Bugs and is not usable. 

When I raised the dispute I was told that I the dispute will be resolved in 10 business days, and its been more than 10 business days and the dispute is not resolved yet.

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 2020-04-29
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have had issues with debt collection attempts by several companies, Commonwealth being one of them. These issues always involve the same creditor, XXXX XXXX Hospital for small amounts of money. I do not owe XXXX XXXX Hospital any money. I have never owed XXXX XXXX Hospital any money. One or both of the computer systems keep reporting or re-reporting supposed past due amounts which have been collected or adjusted. Every collection entry is not a valid line item. 

I spend time montioring my accounts because these issues seem to arise quite often and out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
- Company : CoinBase - Website : www.CoinBase.com - Contacted company : Yes ( Unresolved ) - Emailed and called numerous times - Date Occurred : Approximy XX/XX/XXXX* - Problem : I bought XXXX LTC on XX/XX/XXXX. On the ninth day of the transfer, I got noticed that my transaction was canceled for an unknown reason. Since then, I lost full access to my cryptocurrency wallet. 

Respectfully, CFPB User

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On I discovered ( ONE ADVANTAGE LLC ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: BSI Financial Holdings, Inc.
State: OH
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:
BSI Financial is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. BSI has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase has arbitrarily closed our branch in rural California claiming Coronavirus issues. Every other bank branch in our town ( XXXX, XXXX XXXX and XXXX branches ) simply added plexiglas barriers quickly and remain open. Our branch assistant manager has no timetable to give us for re opening, no further information on when adjustments can be made to reopen and offers us three alternatives to branches a half hour away. Travel in these times is possible for a few days but longer term it appears the bank is unwilling to make the changes other institutions took in hand am managed swiftly. This has apparently happened on many communities and Chase should have to account for itself. ATM Banking should not be forced on any community when a viable branch can be maintained. If this is cost cutting and the branch will remain closed then its customers should be promptly advised so they may make other arrangements. We reside in XXXX CA and have discussed this with XXXX XXXX. Nothing other than get a debit card and go to other branches was offered by way of information. We find this unsatisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I purchased 2 tickets from a seller on XXXX. The seller called me and texted me all the details for payment. I paid through PayPal using my bank account but Paypal will not dispute the transaction because it was not sent " goods or services '' I'm not sure why it went through PayPal that way. I received the tickets via XXXX  and upon arrival at the concert the tickets would not scan. Customer service at the concert informed me that the tickets were flagged in the system for fraudulent activity. Subsequent calls and texts to the seller went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, my parents and I called Navient to work out a payment plan of {$1000.00} a month that would be drawn out automatically to help pay down both my principal and my interest for the private student loan. We have made a years worth of payments on time at the agreed amount and the total due has not changed. In fact the total due had risen.

I pulled each bill for the year only to find out the monthly balance due rose without our notice making our previously agreed on monthly payment invalid. It was then explained to me that the interest rates on each of my loans were subject to change depending on the market reassessment and the payments I made in our previously agreed on deal were not enough. This is incredibly deceitful and unfair. I feel like I wasted all of this money I will never get back to try and pay a loan that will never be paid off. Below are the actual monthly totals not what I was scammed into agreeing to pay.

XX/XX/XXXX {$970.00} XX/XX/XXXX - {$960.00} XX/XX/XXXX - {$980.00} XX/XX/XXXX - {$990.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
XX/XX/2021, I SENT IN A LETTER DISPUTING ERRORS I HAVE FOUND ON MY CONSUMER CREDIT REPORT. TODAY IS XX/XX/XXXX AND I HAVE YET TO RECEIVE RESULTS OF AN INVESTIGATION OR ANY RESPONSE FOR THAT MATTER INFORMING ME IN ANY WAY. AS STATED IN MY LETTER, AFTER RECEIVING A COPY OF MY CONSUMER CREDIT REPORT I HAVE FOUND SEVEN ( 7 ) ERRORS THAT NEED TO BE INVESTIGATED AND REMOVED. NOT ONLY HAVE I BEEN PATIENT BUT I HAVE PROVIDED SUFFICIENT TIME FOR THIS COMPANY TO COMPLY WITH FEDERAL LAW AND THEY HAVE FAILED TO DO SO ACCORDINGLY OR AT ALL.

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 2019-06-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KS
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 third party utility company billed me twice with electric charges and I was being billed by the electric company as well. They sent it collections to XXXX  for {$570.00} the amount is incorrect. I ask to update my bill so I can pay it they just sent it to collections

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 2019-05-22
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Financial Asset I has a collection that is open with a XXXX balance. It keeps reporting monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I saw a member of a watch forum listed a watch for sale at at online forum. 

I reached out to him through the email, and received instruction to pay him at an account also at Chase bank, so I wired him XXXX dollars. I did not notice that the account owner 's name was different at the time - his email name was XXXX XXXX and his bank account name was XXXX XXXX ( these are likely fake names, see below ). 

Later that day however, I researched more into the seller and realize he goes by a different name on XXXX. So I reached out to him through XXXX, and the real owner of the account confirmed that this was not him and his watchnet account was hacked. He never owned the email address in question, this was created by the scammer. 

I reached out to Chase, and they initiated a wire recall request. However, they say that they can not do anything without the other party 's communication, which is unlikely because they're scamming me and advised me to contact law enforcement. My banker also informed me that the scammer 's Chase bank account was very recently created, likely with fake credidentials. 

A week later, Chase closed the investigation since the other party did not respond. My banker advised me to reopen the case, which I did. However, it has been a month and I have not heard back from Chase. I tried calling the bank phone numbers I was given but could not reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon New Rez taking over servicing they have attempted to force place insurance to add wind coverage to an H06 policy several times. There is a master HOA policy in place that covers the unit up to the full replacement cost. The LTV is less than 50 %. We have NEVER been forced to have wind coverage for the contents. This coverage is completely unnecessary and is not required of any of the other property owners in the complex who had the good fortune of not have their loans serviced by NewRez. In the past, New Rez has eventually cleared the matter, but it takes hours. This time they are unwilling to accept the insurance provided. None of the policies or coverages have changed in the past 6 years and this only became an issue once New Rez took over. To make matters worse, their agents are rude and condescending. This company is the company that gives servicers a bad name, and this this case the bad reputation is well deserved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: WA
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 ; XXXX and XXXX are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 ) bureaus. ( Please see pages 8 and 9 of the attached credit report. ) This incorrect reporting is harming my credit score. Please remove these line items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan Servicing refuses to accurately calculate the number of qualifying payments I have made toward Public Service Loan Forgiveness. I sent in my most recent Employment Certification Form on XX/XX/2019. Based on that ECF, I have made 80 qualifying payments. FedLoan says I have only made 79 qualifying payments. The discrepancy is because FedLoan automatically ( NOT at my request ) places me in forbearance every XXXX when it re-calculates my income-based repayments for the coming year. When in forbearance, any payment I made during that time is not counted toward PSLF. I have brought this to FedLoan 's attention repeatedly. This is an easy fix. Instead, FedLoan miscalculates ( intentionally, in my opinion ) the number of PSLF payments. The effect is delayed forgiveness. I can only assume that FedLoan is aware of this and it purposefully doing this to add to its books. It's time for Congress to step in and remove FedLoan from the handling of PSLF loan payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I dont recognize the accounts 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 2020-04-29
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initially contacted RentDebt Automated Collections about an debt they were attempting to collect. I disputed the alleged charged because it appeared to be inflated, which they received in their office on XX/XX/XXXX. RentDebt sent a statement breakdown and partial of a lease agreement where several pages were missing. This final account statement shows a reletting charge of {$1400.00} however the lease agreement shows a reletting fee of {$1400.00} which is clear an upcharge of {$21.00} was added to the amount despite what the agreement shows. 

Additionally, the final account statement shows a lease termination fee of {$1500.00} but this is no where in the agreement. 

On XX/XX/XXXX RentDebt received in their office another letter from me via certified mail receipt number XXXX XXXX XXXX XXXX XXXX pointing these exact discrepancies. To this very day they have not responded to me to clear up and justify these alleged charges. Just as well they continue to report this account on my and my husband 's credit profile. They are misrepresenting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with XXXX XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX XXXX. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

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 2018-02-02
Company: Risecredit, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My report shows there has been fraudulent activity on my report form different creditors and i dont know how to fix it or how it got there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 and Transunion are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 )  bureaus. ( Please see pages 8 and 9 of the attached credit report. This incorrect reporting is harming my credit score. Please remove these line items from 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 2019-06-24
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I wrote a letter to Americollect Inc stating that they are reporting on my credit report a debt that I do not owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. The company stated they can't update my records reflecting that I do not owe this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Experian Information Solutions Inc.
State: WA
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  ; Experian and XXXX are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 ) bureaus. ( Please see pages 8 and 9 of the attached credit report. ) This incorrect reporting is harming my credit score. Please remove these line items from 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