BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
State: NC
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:
Used my credit card issued by Chase at a XXXX on XX/XX/XXXX and several hours after that I started getting notice of international charges being put on my account. 
I am trying to contact Chase but they do not answer their telephone number. I have waited for someone at Chase fraud department for over 45 minutes only to be cutoff. My current call which is my fifth attempt has been on hold for 45 minutes. 
I have put a block on this particular card but wanted to be sure that Chase does not pay the current pending charges on my account. 
The card has also been put on XXXX XXXX  without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: SC
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 previously attempted to have inaccurate information removed from my consumer profile due to the timeframe being more than 7yrs as outlined by 15 usc 1681 ( a ) ( 5 ). I received mail confirmation of actions taken by XXXX but have not seen this reflected on my most recent XXXX merged report ( which I have attached below ). These late payments were supposed to be verified by XXXX by how they could have done this with differing information on my credit profile still. Date opened, credit limits, high credit, last reported, date last active, and date of late payments ( which was the original issue late payments ). These inaccuracies have impacted my life since 2012 and Ive even paid on them to have my life unjustly affected due to negligence. 
These are my pervious complaints : XXXX XXXX XXXX XXXX XXXX Experian

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 2017-11-13
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company, Consumer Collection Management- acct # XXXX is showing an delinquent account as of XX/XX/XXXX for {$2000.00}. I never received any mail notice regarding this debt nor have I done any business with this company. I have requested that the credit bureaus investigate this, via electronic disputesXX/XX/XXXX, XX/XX/XXXX and via a credit repair agency as of XX/XX/XXXXand XX/XX/XXXX. As of this date, the bureaus have refused to investigate this account or they state that it was an error with my request. In addition, whenever I request or attempt to have the account investigated, the company keeps changing how their name appears on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Bread Financial Holdings, Inc.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was not notified that my account was being closed by comenity bank. I was only notified that there hsn credit card accounts were being transferred to XXXX.. After the transfer, the balance almost doubled and I never received a new card as the letter notify of transfer I dictated. I didn't find out the account had been closed until several months after it was transferred. Even though the balance owed is incorrect, I have tried sending payments and they have either been returned because they claim they don't have an account or someone has cashed the money orders ( which I am in the process of reporting as stolen ) and other credited the make believe account with the wrong balance that I'm starting to believe is probably not my account and could be something they made up or belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I contacted Usaa regarding a missing direct deposit. The deposit was not there. XX/XX/XXXX executive team verified they see the deposit and it was not applied to my account. XX/XX/XXXX deposit is there backdated to XXXX. However I dont see in my available balance. Numerous calls Im told if they t didnt apply I would have been negative. All of my transactions were real time and the account was not negative at any time prior to XX/XX/XXXX. No one can explain to me. I ask for a forensic audit. Im told this can not be done. An IT ticket is opened however no one follows up with me. Today I see it happen real time. I transfer money from XXXX XXXX to my account. This has 100 % posted immediately in the past. Today it post however the available balance failed to change and Im able to catch it real time. Usaaa owes me over XXXX the deposit for XXXX posted but never changed my available balance and they keep telling me about batch updates.. no the funds hit but there is a glitch and the available balance is not changing. Someone please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-14
Company: Avant Credit Corporation
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:
On XX/XX/2018. I applied for a credit card and somehow it became a loan application. So, today XX/XX/2018 I called into the company and made a request to cancel the application because it was not what I thought it was ( credit card ). I also asked for the hard inquiry to be deleted from the credit reporting agencies. I spoke with XXXX who said he would transfer me to his supervisor XXXX in verification dept who would delete the hard inquiry. Now, XXXX says she can not remove the hard inquiry from my report. 

I thought I was applying for a credit card yet it was a loan instead, very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Experian Information Solutions Inc.
State: IL
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 attempting to get this defaming information off my credit report and the bureau continues to say re-investigation in progress since XX/XX/2018. Every month it's the same re-investigation process for the past 5 months now. The bureau has not sent me any verifiable proof with my signature to prove the information reported is accurate.

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 2018-06-25
Company: Tribal Lending Enterprise, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I entered intona repayment with XXXX XXXX and in XX/XX/XXXX, hey submitted paperwork to XXXX XXXX revoking their access to my bank account and to also stop contacting me and that all contact needed to go through my XXXXXXXX XXXX. I provided the name and contact info to XXXX XXXX. On XX/XX/XXXX, XXXX XXXX deducted {$360.00} from my bank account AFTER they received the revokation. They are now harrassing me and not contacting XXXX XXXX who has a Limited Power of Attorney. My bank returned the money to me as I disputed the transaction. However now, I am being harrassed and they will not stop calling or wmailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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:
EQUIFAX PROVIDED MY CONSUMER REPORT TO THE BELOW LISTED ENTITIES WITH MY CONSENT. 

1. XXXX XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX Inquired on XX/XX/XXXX 6. XXXX  - XXXX XXXX Inquired on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE SENT EQUIFAX A LETTER REQUEST THE REMOVAL OF THESE INQUIRES AS THEY DID SO WITHOUT MY CONSENT. Pursuant to 15 USC 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputed this account which was originally owned by XXXX XXXX the original creditor. This loan was paid off in full. Once the location was closed I start receiving letters from the new company XXXX XXXX that informed me I owed a debt. I informed them that the account had already been paid and please fix it. Months later I see that XXXX XXXX the collection agency had acquired the account and is negatively reporting this on my credit report. I have asked that the validation of debt be received twice and have not received an response. According to the FCRA they have violated my rights and are damaging my credit file by reporting inaccurate and untruthful information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I tried to reopen my account at Bank of America due to my previous account with Bank of America paid in full account number XXXX. Representative XXXX of Bank of America deny me a new account without adverse notice.

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 2019-05-23
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Coinbase USD account sustained a loss of approximately {$60000.00} through a series of unauthorized transfers on XX/XX/XXXX. My account was a funded USD account ( not a cryptocurrency account ). I reported the situation to Coinbase support later that same day ( XX/XX/XXXX ), and the correspondence continued by email for the next three weeks.

Coinbase asserts that I am fully liable for the loss because they " had no reason to distrust the activity in question. '' - Because my funds were in a prepaid USD account and because I reported the breach within two business days, Regulation E limits my total liability to {$50.00}.

- To support their position that I am liable, Coinbase made several demonstrably untrue statements regarding the unauthorized activity, concealing and omitting events that should have raised their suspicion ( see attached email ).

In compliance with the Coinbase Terms of Service, I submitted a complaint on the morning of XX/XX/XXXX disputing Coinbase 's determination. The Terms of Service state that Coinbase will acknowledge receipt of the Complaint after it is submitted.

Coinbase has sent no such acknowledgment.

The full email chain of my correspondence with Coinbase is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have Been banking with chime for over a year. I opened A business and got approved for the PPP Loan For XXXX it was in my savings account About a month or 2 later They suddenly closed my account and asked for documentation for the funds which I provided they Still closed the account and wont refund The remaining XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
trying to get my credit reports XXXX tu and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dear CFPB staff, Santander Bank ( US ) has blocked my checking account for months ( from XX/XX/2021 till now ).

I have called in their customer service, branch and fraud team many times over the past two months. Every time the fraud team says they will send an email to a specific analyst to look at the issue. However, this mysterious " analyst '' never replies the email or provides any solutions. More horrendously, this person, who supposed to resolve the issue, has always been off-work or out of office, when I request to be direct to him/her ( my calls are during regular working hours ).

I've offered to provide any info that is requested for solving the issue. Nevertheless, the bank 's fraud team is always referring to this obscure email object, and their attitude is sometimes borderline insulting. The internal controls in the bank are apparently very ineffective.

I've also requested to speak with a supervisor or a manager that can escalate the issue, but I was told there is no supervisor for this analyst. If he/she doesn't reply the email, the account will be blocked forever. 

I'd greatly appreciate your help to facilitate a quick resolution of the matter. The pandemic has hit hard on me, and I need my money to pay utilities and mortgages. Thank you!

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 2018-08-10
Company: Navient Solutions, LLC.
State: MN
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:
I am having a few issues with Navient regarding my student loans. 

1. I keep track of my payments and every time I go back in to pay extra amounts towards my loan the loan balance has gone up.

2. They will not allow me to pay all extra payments towards my principal balance.

3. After paying off a few loans in full, they dropped my payment amount without any notification they were doing so. I've called several times to ask them to keep it at the original payment amount and they continue to not change it automatically.

I also want to know if I was affected by the Navient lawsuit where payments were being mishandled and incorrect steps were taken to help borrows get out of debt faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have been receiving multiple phone calls daily from a debt collector trying to collect a debt I do not owe. They call my number looking for someone with my name but the other identifiable information they have is not mine. They ask me if the last four of my social matches their system and I tell them it does not. Today, I was asked if I lived at a certain address but I do not nor have I ever. I have advised them to remove my number from their list and that if they do not, that I would report them. I received a second call today and asked for their information. The caller said his name was XXXX XXXX. He works for XXXX XXXX XXXX. His phone number is XXXX ext. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I established a payment plan with Phoenix Financial Services for a debt that was owed to XXXX XXXX XXXX. My payments were set up to automatically withdraw from my checking account on the XXXX day of each month for 12 months. On XX/XX/XXXX, I received 2 calls from Phoenix Financial. I called them back and spoke with XXXX XXXX who asked me if I wanted to take care of my balance. I explained to her that I had set up a payment plan and she asks me if I want to set up a payment plan with her. I told her no I already had a payment plan set up. My first payment was taken out XXXX and I received a call from Phoenix Financial on XXXX and two additional calls XXXX. When I called back, I was transferred to XXXX XXXX who asked me if I wanted to set up a payment plan again and proceeds to ask me if I can pay the full balance. Why is this rep calling and asking me for the full balance when I have already set up a payment plan and you all have already taken a payment out of my account? And why does she keep asking me to set a payment plan up with her when I already have a payment plan established. You all need to stop calling me. At this point you are harassing me and it is unacceptable. I have set the payment plan up for what I can afford each month. I can not pay more than that. Please stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is the second request for TransUnion to remove the XXXX XXXX XXXX account number XXXXXXXX XXXX that is past the statue of limitations. They responded to your company that they were investigating but when I received the response they still have it listed. I have included a copy of their response as well as the initial report showing it is past the 7 year mark and is going on over 8 year. Their response only shows the payment from XX/XX/XXXX and at that time it was 120 late. That alone would indicate that it had to be at least 90 days late in XX/XX/XXXX, 60 in XX/XX/XXXX and 30 days in XX/XX/XXXX and that is the best case scenario. The initial credit report from the lender showed date last active was XX/XX/XXXX which that was not the case either. It also shows that the account was over 90 days as of XX/XX/XXXX again therefore making it 60 days in XX/XX/XXXX and 30 days XX/XX/XXXX so next month that will make this account 8 years over a year longer than it should be reporting.

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 2018-08-10
Company: Everest Receivable Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife has been receiving phone calls from Everest Receivables Services. We have looked up the company and it states it is a debt collection agency. We do not have any outstanding debt that would require services of a collection agency. 
We have attempted to block their number ; however, they would call from a different number. My wife has deleted most of their phone numbers. Here are two of the numbers that they have used to call us : XXXX and XXXX. 

We want this company to stop calling us.

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 2020-10-13
Company: Experian Information Solutions Inc.
State: VA
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 XXXX  XXXX was paid in full. both the account states it was late. it was not. In addition XXXX XXXX XXXX was added to my credit report one was filled with my bankruptcy. The second one was disputed, as i did not receive any notification. Nor do i believe this debt belongs to me.

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 2021-07-07
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, NATIONAL CREDIT SYSTEMS Date opened : XX/XX/2017 Person who is Associated is : XXXX XXXX Asking for amount : {$31000.00} for Original creditor XXXX XXXXXXXX XXXX XXXX Detail : I was not aware of this until recently and XXXX  told me about it when I was doing my credit check and I have no idea this happened before and my identification was used and I did not authorize this. I have disputed with expedience few time and they advised me to file FTD and send them the information.

Company response to consumer: Closed with explanation