BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was on a forbearance plan, I bought myself completely current and told customer service to take me off the forbearance XX/XX/2021. 
They told me it takes 24 hours. As of today I am still current on my payments, working and still on the forbearance. I want Amerihome Mortgage Company to stop reporting the wrong information on my loan. Please put my account back into good standing and most of all release me from the forbearance plan as of the day my account was paid and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is not investigating dispute that I made three times since XXXX of this year. I even sent them in paper a mail with all the profs showing the mistake. They keep saying they modify my account and they not doing nothing. I called, email and mail them several times and nobody seems to care. My score in between had been harm with a over 100 points loss with this. Please help 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 2021-07-01
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2021 Was declined use of my Discover card at a gas station in XXXX, Ohio because I was over my credit limit. 

Pulled up my account online on my mobile phone and all transactions listed and posted do not exceed my credit line. 

Phoned Discover customer service and was on the phone for for a total of 1 hour and 23 minutes trying to resolve the problem.

The problem, they told me was that my account was being held for ( 4 ) transactions to XXXX of {$51.00} on XX/XX/XXXX. I claimed I did not approve those transactions and the transaction I did approve had already posted to my account on XX/XX/XXXX23rd of {$51.00}. I am not able to view these " held '' transactions on my online account and am wondering why I am being held accountable for them????? And now unable to use my card because of them when I clearly have the available credit. 
I insisted that a complaint be filed and after much persistence I had the Discover rep with an ID of XXXX and the complaint memo line # XXXX. 
I attempted to phone Discover again ... this time 36 minutes to see if the situation would end differently with another rep and had the same response. Pending transactions have 10 days to post and their is nothing they can do until a transaction posts. Except, they hold the consumer responsible for it by counting it against their credit limit! 

How can a credit card company hold you responsible for pending credit transactions for up to 10 days and when you are unable to access this information from your online account. Their customer service reps couldn't even see these pending transactions that they were holding against me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
still showing inquires all company due to ID theft not mine XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX. XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Sent a wire to coinbase on Tuesday. Called my bank and confirmed it was accepted but the funds are still not in my usd wallet in coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute this account several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. 
XXXXXXXX XXXX XXXX  Balance : {$6700.00}

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 2021-07-01
Company: BARCLAYS BANK DELAWARE
State: MA
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:
In XX/XX/2021 I opened a dispute with my Credit Card Company, Barclays XXXX XXXX Mastercard ( XXXX XXXX  ) regarding an Item I had purchased from XXXX XXXX on XX/XX/2021 that had been sent to me in the wrong size and was returned to XXXXXXXX XXXX  using the label they provided for this mistake on the same day of receipt ( XX/XX/XXXX ). XXXXXXXX XXXXXXXX  did not have any of the item left and told me they would issue me a credit once item was received back. 
XXXXXXXX XXXX did not issue a credit and upon calling them several times, I was told they could not find the return package even though tracking clearly showed it was received at their dock many weeks before. 
Barclays took my dispute but NEVER issued me a provisional credit. By mid XXXX, the Merchant did issue me a credit for the item. 
On XX/XX/2021 I received a letter from Barclays ( dated XX/XX/XXXX ) stating that because the Merchant had credited me and that they HAD ALSO ISSUED ME A PROVISIONAL CREDIT, that they were going to reverse their provisional credit and recharge me {$55.00} for the item.

The problem was Barclays NEVER issued me a provisional credit. 
I called upon receipt of this letter and spoke with XXXX in a NON US location. I asked for a US based supervisor and was told NO ONE was US based. There were roosters going off in the background and her English skills were quite poor. However, she confirmed that I was NEVER issued a Provisional Credit and she told me she would put in a " form '' to escalate the reversal of this bogus charge made by Barclays for {$55.00}. 

It is now 10 days later and no reversal has been made. I called again today, got someone named XXXX with even worse XXXX also Non US based, was told again NO ONE is in the US. I demanded a supervisor and was told that in 5 business days I MAY get a call. 

This is unacceptable! Barclays made an unauthorized charge to my card and will not correct it!

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 2022-01-06
Company: Experian Information Solutions 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:
I am writing this letter to simply delete the following information in my credit file. The items I need deleted are attached. I am a victim of identity theft and did not make those charges. I ask that the items be deleted to correct 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 non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXXt XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX/XXXX/XXXX not authorized please remove them from XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018 I wrote to XXXX/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.

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 2021-07-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was a victim of a XXXX  scam. I was told that the power for the bldg I work for they power was going to be cut off due to lack.of payment. That I had to XXXX payment to stop turn off notice. I submitted 2 payments one for {$1300.00} and the other of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have an account since 2017. I went ahead and changed my bank account for deposits and withdraws and they have blocked me out every since. I have been putting in complaints and made complaints with the XXXX  several times. I have contacted support many, many times over the last six months regarding my issue never to be answered. No email, phone contacts or anything. I have lost alot of money because it took me three months to figure out that I could transfer my coins out of their system and I haven't been able to buy or sell. I have done 42 ID verifications as I was directed to do throughout this whole ordeal. I want my account fixed and anything they can do to help track and possibly compensate my for my losses. There should be NO COMPANY in the world that should be aloud to get away with not offering support. Especially after hundreds of attempts over a 6-8 month period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-21
Company: CITIBANK, N.A.
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:
I opened an XXXX XXXX credit care for a wash machine. I did research and returned to get the correct washer energy efficient. I was not credited correct. The appliance never shipped. I was told I could not get the proper washer my credit was tied up even though I never received the wrong washer it was cancelled. Citibank N.A. has refused to speak with me and said they can not identify me. I spent two hours at the store this morning. 
I have not slept. I was in tears and Citibank N.A. refused to help me. XXXX XXXX claims they are working with IT to fix the XXXX credit the shorted me to wipe out the cancelled order. I was told the items ship on Tuesday now I have to cancel M.D.  appointments. I have spent all day and night online researching this. I ask the store to call Citibank N.A. back that I was ill and can not keep returning and doing this. I was told to pay XXXX in cent I beleive which I did with ATM card. When I got home I went over the details again and called the store manager and complained that the total first order cancelled was XXXX and only credited XXXX I have suffered severe hardship and this is extremely upsetting. It took me a year to find this place due to ca. housing crises. I have to move from where I lived 18 years in 2014 ill and the place for 3 years did not work out. Like I said it took a year to find this place. I need to rest and get this resolved not treated awful to the point in tears. I do not beleive it is a deliver issues now Citibank later said it take 3 business days to clear up. They gave me the credit card. I can not keep comming back to the home depot. I have medical issues and this is awful mistreatment.

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 2020-05-23
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Filed a dispute on or around XX/XX/XXXX through Experian Credit Bureau to verify debt with signature on original signed contract, proof of debt for collection companies : XXXX XXXX XXXX  and XXXX XXXX XXXX. 
As a result of the dispute both companies remained on my credit and Experian stated this : The company that reported the information has certified to Experian that the information is accurate ... ... .... 

I have not viewed any contract signed by me that verify this is my debt. Experian OR either collection agencies has not sent original contract, itemized receipt or any documentation other than a bill to me. I tried to dispute these two companies again on XX/XX/XXXX and Experian denied me from disputing, asking me to upload new or different information. How can I upload any new information when I am simply asking for the company to verify I owe the debt that is staining my credit report. Now this will just sit on my credit and I am constantly getting phone calls and hang ups from these collection agencies and I dont even believe I owe these people or question the amount they are asking for. Please HELP!

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 2021-07-01
Company: TD BANK US HOLDING COMPANY
State: NV
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:
On XX/XX/XXXX, there was a hard credit inquiry pulled that I did not authorize. I have contacted the company by phone and because I do not have an account with the company I have not been able to speak with a representative to inquire about the hard inquiry that was pulled without my permission or authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: GA
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 did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( Original Creditor : ) Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: BANNER CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been steadily making extra payments towards the principal balance in my loan since I moved into my home in XXXX of this year. Starting 2 months ago, I have been unable to make those additional payments online and have had to call the bank and chat online and go through an extremely lengthy process to do so. Every single time XXXX chat online or talk to someone over the phone Im told theres an issue that is being worked on on the online platform. I also am getting conflicting information on payment towards my principal : some workers tell me making a general extra payment will automatically go towards my principal, some have told me its not possible to do it over the phone, some have said it is possible, and some have told me that the simple bug online will be fixed soon. I believe my account has been flagged because I have been paying thousands of dollars extra a month on my principal balance, which means less interest made on my account. The last straw was when I called a few days ago only to be told that I couldnt make the extra {$2000.00} payment on the phone, and to make a general payment online and it would automatically be applied to my principal. I knew for a fact it could be done over the phone ( I did it last month ) but I didnt feel like arguing. I made the payment, and It did not pay down my principal. It was recorded as a regular monthly payment and did not reduce my principal by {$2000.00} like I asked. I got confirmation from the employee that it would. This is the most ridiculous thing but I do believe it needs to be investigated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
My name is XXXX XXXX I have been an amex serve customer for over 5 years I am writing to you because I am hoping you can help me on XXXX XXXX I reload my card with {$1900.00} at my XXXX store in my town 2 days later I go to withdraw money for gas and my card is declined I look on my serve account app and my balance is {$0.00} I look at my transactions and I had over 20 debited transactions that I did not make I immediately contact Amex serve and start disputing all the charges and I have them send me a new card I was told by the representative that it would take 10-45 days for the investigation to be done the next couple of days I spent everyday calling Amex serve I sent them all the forms that needed to be filled out everyday that I called I kept being told on the tenth day which is today XXXX XXXX I would get an email with there decision I get the email today which says they will not be crediting my account because the transactions were authorized which makes no sense I didnt make those transactions I am a XXXX in XXXX XXXX XXXX XXXX I work hard for my money I am just asking for some justice I also filed a police report I really hope you or someone can look into this and help me my phone number is XXXX and my email address is XXXX. I have all the documentation saved and I can send to you I appreciate you taking the time reading this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020 I received an two emails to my personal email which included personal financial information in my personal email regarding the transactions I had done through the online app. 

I feel that I should have received an email telling me I had a message with Chase app which would have been private and encrypted. Instead they sent an email to my personal email which I felt was a violation of my privacy rights. 

The information contained was alarming to say the least. I am fearful of identity theft due to their actions.

Company response to consumer: Closed with explanation