BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have asked the company to lower my 29.99 % interest rate. I pay on time and I have

a high credit score. I can never pay down this balance with this high rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
IT'S absurd how this is! This account is unknown to me. Why does it show my credit report? This account has to be verified, please! I am not under any obligation to this account.

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 2021-02-12
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Purchase an item online via Paypal but the it was not delivered. I tried reaching out to both the seller and Paypal but have not received any response from the two parties. I contacted my bank XXXX  XXXX  XXXX XXXX XXXX but they referred me to this Bureau instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For the second time Wells Fargo again refused to respond to my issue THE ANSWER WAS A COPY AND PASTE STANDARD ANSWER HAS NOTHING TO DO WITH THE SUBJECT OF MY COMPLAINT., XXXX XXXX : XXXX & XXXX which brought me here. XX/XX/XXXX, at XXXX XXXX. This was the first time I entered a Wells Fargo branch since XXXX. At my visit to branch # XXXX in XXXX, CA, I found out that my teller machine card was expired, I requested from the employee at the window to order my replacement card. The employee requested help from the branch manager, who, after looking at my account, told me that he can not order a teller machine card from his computer and that in order for me to order a new card, I MUST MAKE AN APPOINTMENT AND SIT WITH A BANKER.He then proceeded to tell me that no appointments are available soon, but he can put me on a waiting list and get me to meet a banker faster than making an appointment. which I found it ODD because i have been with Wells Fargo for more than 35 years. Usually they want you to sit with a banker to try to convince you to open more accounts that you do not need and to make investments that profit the bankers. I WANT TO KNOW : 1- WHY DID THE MANAGER AT THE BRANCH TELL ME THAT I NEEDED AN APPOINTMENT TO SIT WITH A BANKER JUST TO RENEW MY TELLER MACHINE CARD? It must be a hidden reason that benefits the banker. 2- DOES THIS MANAGER THINK I AM STUPID TO TELL ME THAT HE CAN NOT RENEW MY CARD ON HIS COMPUTER? 3- HOW COME WHEN I WENT OUTSIDE OF THE BRANCH AND CALLED CUSTOMER SERVICE , THE CUSTOMER SERVICE RENEWED MY CARD IN 30 SECOND PHONE CALL? 4- WHY DOES THE MANAGER OF THE BRANCH HAVE NO EXPERIENCE AND NOT KNOW HOW TO RENEW A TELLER MACHINE CARD? 5- IS WELLS FARGO HIRING MANAGERS FOR THE BRANCHES WITH NO EXPERIENCE SIMILAR TO THE ONE WHO JUST ANSWERED MY COMPLAINT AND THE ONE WHO TOLD ME HE CAN NOT RENEW MY TELLER MACHINE CARD ON HIS COMPUTER?, 6- WHY HAS WELLS FARGO REFUSED TO INVESTIGATE THIS POSSIBLE MISCONDUCT? This was the answer of the Executive FROM HOME Office Case Specialist who did not address my complaint properly, refused to forward my complaint to a manager, and refused to investigate. the executive WORKING FROM HOME office case specialist response was a copy and paste standard answer that they send to everyone. - { Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings. Were sorry for any service concerns you may have experienced when you attempted to get assistance at a Wells Fargo Branch. We strive to provide exceptional service, and its disappointing to learn we didnt meet this expectation. Were constantly reviewing and revising our practices and procedures to improve the customers experience, and we appreciate any input that helps us do this. }

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 2021-10-01
Company: V and H Portfolio
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Purchased our home in XXXX on a 30 yr fixed lone. I noticed an issue with the payment amount almost immediately. It took many calls to the company and with our insurance agent. I was told a different story every time I called. Finally found out that an insurance co. we had never heard of was getting paid out of the mortgage payments. Instead of refunding the $ to us they said that they put it on the end of the mortgage principal. I never seen any papers to show that they did this. Our payments were supposed to start at {$13.00}??.?? /month. I believe that they started at XXXX?? XXXX. We were told that if we were not late on any payments for 3 yrs that they would drop the mortgage insurance and that we could refinance to lower our payments. XXXX I called to have the mortage ins. dropped and to refinance. I was told that the mortgage ins. stays on the loan for the life of the loan and that they decided not to refinance manufactured loans. Our payments are now $ XXXXmonth. In XXXX I called to make a payment of {$2000.00} on the mortgage because I had recieved a forclosure warning a few days before the payment was due. After I paid the XX/XX/XXXX payment I got another letter warning about foreclosure. I called many times and every agent told me a different story. Then one agent told me that the XX/XX/XXXX payment was put on a principal payment not a mortgage payment. I explained that I never okey 'd that. It was the same as always a mortgage payment. He put in a note in my file, told me to wait a week then call to see what the company decided to do. I called in a week, again the agent couldn't help me. I looked on line and it still showed that I owed for 2 payments. I called again and the agent told me that a decission on my case wouldn't be made till XXXX XXXX. I still can not find out if they corrrected the issue. I was told that our payments went up because of taxes, but there is not way that our property taxes are causing our payments to be around {$600.00} more per month. A realtor just valued our property at {$420000.00}. And that is with the inflation of realty costs. 
Loan Depot is who our mortgage is through. I need to know why our fixed mortgage has gone up so much, it can't be just property tax. I don't want to lose my home because of an unfair payment amount. 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: PA
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:
This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Experian is reporting XXXX XXXX account and this account has been deleted from XXXX  I would like for this account to be deleted from Experian as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Credit Karma, LLC
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: Personal information incorrect

Complaint:
I filled my home address, date of birth and social security and Credit Karma indicated all the information that was given was incorrect. I would like to view My credit Report along with the information provided it, such as the home address, date of birth and the correct social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Kikoff Inc.
State: PA
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 recently looked at my credit report a noticed an account that was reporting inaccurate i sent multiple emails and letters to the credit bureaus and creditor stating the inaccuracies. and from my knowledge everything on your credit report is suppose to report accurate. If a payment is late more than 30 day the reporting should be the month and late however many days for the correct reporting should say XXXX late 30, XXXX late 60 days, XXXX late 90 days. The account on my report say on time every month and then XXXX late 90 days. I also ask for proof of my payment history from the creditor and it says paid on all due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2017, I wired {$10000.00} to Coinbase from my XXXX XXXX XXXX business account. A couple of days later, I received an email from Coinbase saying my fund was reversed due to name mismatch. Now It has been about 40 days, I never received my money back. I tried to contact Coinbase thru phone call and email, but NEVER got replied. I checked on XXXX and found hundreds of people having the exact same issue just like me. 
I believe it is absolutely illegal for a company holding hundreds of thousands customers ' money for such long time. And Coinbase they never reply your inquiries. 
That 's why I 'm filing a claim here trying to get help. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Credit Bureau Financial Services, Inc.
State: NY
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: Other problem getting your report or credit score

Complaint:
I am having a problem with my credit score due to the fact that I have old/negative XXXX  XXXX XXXX XXXX closed accounts on my credit report from XX/XX/XXXX - XX/XX/XXXX. I currently have an open account which I 've been paying on time since XX/XX/XXXX. I was told and understand these negative accounts which are closed are really hurting my credit score and I am asking if they can please be removed. If one looks at my payment history, all my payment have been on time and I am trying to rebuild my credit.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
well, i found out that in XXXX or XXXX i think i for got to pay my freedom card from chase, ones i paid the whole thing. they told me that i could n't get my freedom card back, because i missed a payment. when i had the freedom card, i was paying everything and on time. one payment that i have n't paid one i paid it in full. they couldnt give me my freedom card. i would want to know if i could get my freedom card back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I have tried calling spoke to several reps, XX/XX/XXXX, XXXX certified mail and get no response other then a standard auto reply! It wasnt a SIGNATURE showing I requested the inquiries on my TransUnion report. Please remove the following inquiries, XXXX XXXX reported 3 times XXXX of XXXX XXXX XXXX reported 3 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported 5 times Am rent reported 2 times XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX and XXXX  have deleted ALL inquires!. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this nal goodwill gesture to allow you to correct your erroneous 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 explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion, XXXX, XXXX and their 3rd parties nonaffiliates are sharing and using my nonpublic personal information without my consent. Causing harm to not only my reputation but invading my federally protected privacy by violating the Fair Credit Reporting Act and Gramm Leach Bliley Act while doing so. SEE ATTACHMENTS

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

Ad XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX  XXXX XXXX XXXX XXXX / 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 non-monetary relief
Consumer complaint received 2021-09-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
from TD bank, i can not open new account due to problem of depositing check then they considered as a fraud. they already put a final decision to be ended relationship with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. Creditor : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I accidentally submitted a payment of XXXX ( full balance, not the statement balance ) to be paid from a checking account. The payment was posted that business day, however the balance in the checking account was not at XXXX. This payment was kicked back. The following business day ( a Monday ), the checking account balance was above that amount, the payment was retried, and completed successfully. 

I was charged a {$25.00} for the return and retrial of the payment. I do n't believe it cost the company {$25.00} to perform this service. It seems to be a purely punitive measure by the Credit Card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20
Company: Experian Information Solutions 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:
I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect Experian/XXXX/XXXX XXXX XXXX to do so also.

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