BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my Experian credit profile. The furnishing mortgage company had indicated that there should've been no foreclosure reporting and that they'd update my records with the bureaus. The issue was corrected properly on XXXX  and XXXX. I have an Experian.com account so I was able to review the monthly reporting history. The latest report in which I had access to was dated XX/XX/2019. The account had a reported payment stated of foreclosure proceedings started as of XX/XX/2019. This was unbeknownst to me as I had never received any notification of this status, no calls from the mortgage company and I had never received a notice of lis pendens. Due to being misplaced because of a hurricane and having delayed processing of my hurricane claim, I had decided to sell the home once I was able to rectify the damages. During this time, my mortgage company was informed of the challenges I was being faced with. My house sold in XX/XX/2019 as a normal sale. There was no deed in lieu or short sale that took place. In XX/XX/2019, I had noticed the issue of the incorrect foreclosure MOP code showing the account was in foreclosure. I had contacted Shellpoint and was told that I was correct and that they'd submit the update to the bureaus to remove all foreclosure reporting 's. The months of XXXX through XXXX were adjusted to a 120-day MOP code leaving the foreclosure status being the same month that i sold/vacated the home.

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 2018-06-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
FOR THE RECORD, I HAVE DOCUMENTS TO BACK UP ALL OF THIS INFORMATION! 

I opened a brand new checking account with Chase on XX/XX/2018 at XXXX XXXX. I chose Chase for two reasons ; One, I didn't have a checking account anywhere else and I needed somewhere to direct deposit my paychecks into. Two, I repeatedly got these incentive postcards from Chase that there was a {$300.00} bonus when you opened a BRAND NEW CHECKING ACCOUNT and WHEN YOU SET UP DIRECT DEPOSIT WITHIN TEN BUSINESS DAYS. Check and Check. I set up direct deposit with my employer the following Tuesday after opening this account, XX/XX/2018. Fast forward to why I'm complaining and its because I contacted customer service inquiring about when I would have the {$300.00} bonus deposited into my account. I contacted them XX/XX/2018 @ XXXX XXXX. It wasn't until my surprise that this customer service rep informed me, and I quote, " your account has been placed under review, We recommend that you contact our Security Team at XXXX for immediate help. '' XXXX, thanks for the heads up. 

Why wasn't I informed of this until I was the one inquiring about funds that I was owed? And then today XX/XX/2018 I get a notice in the mail from Chase stating, and i Quote, " After careful consideration, we have determined that we can no longer support your banking account and will be closing it on XX/XX/2018. '' Chase closed my account WITH ZERO NOTICE.

This notice was dated XX/XX/2018 giving time sensitive specific actions that I would need to make in order to make sure I dont lose any of my money. However, I didnt receive this in the mail until today, 10 TEN DAYS after the notice was typed up. Which btw is waaaaay past the cutoff date they gave me to square my funds away. Im filing a complaint with CFPB. 

I guarantee its cuz they wan na avoid paying the {$300.00}. 

Also, is this not a coincidence that the EXACT DATE I IN FACT SET UP MY DIRECT DEPOSIT XX/XX/2018 WAS THE EXACT DATE THIS NOTICE WAS TYPED ON! 

{$300.00} is a HUUUUUUUUUUUUUUUUGE deal for me and my family. I'm a mother of two, barely scraping by so I factored this AGREED UPON {$300.00} bonus into my budget. I'll spare you the details, but now that my account is closed ( for no good reason ) i.e, Chase wants to escape from holding up their end of the deal, my family is now in a very bad situation. 

Please, please, check your conscience the next time you pull a fast one on  easy prey.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: BARCLAYS BANK DELAWARE
State: CA
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 have a open & active credit card account with Barclays. My credit limit is {$25000.00}. It is not showing 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 2020-03-31
Company: Harvard Collections, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A balance of {$530.00} was owed to XXXX XXXX. It was sent to two collection agencies. XXXX and XXXX. I contacted XXXX XXXX to determine who to pay they a said I could pay them directly. Which I did, the balance was paid in full. Subsequently, XXXX XXXX reported that I owed them a balance and added a negative collection to my credit. This balance has been paid in full and confirmed so by XXXX XXXX. XXXX reporting a balance AFTER it was paid in full and continues to report this as an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions 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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX/XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/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 2019-08-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC
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:
XXXX and XXXX both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!

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 2021-04-06
Company: CITIBANK, N.A.
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 already reached out to the credit bureaus and to CBNA for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

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 2022-08-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I began my search for 2 XXXX puppies to purchase. I located XXXXXXXX XXXX XXXX online and contacted XXXXXXXX XXXX XXXX for more information. After communicating with XXXX XXXX XXXX  via e-mail, we soon both agreed that I would like to purchase the 2 puppies. I received a contract ( attached ) which I signed and sent back. I then sent deposits, etc ... after sending payment through my Chase bank app I was notified from XXXX XXXX XXXX that the puppies were delayed in XXXX XXXX and more funds were needed via XXXX. I sent the money, and then the sketchiness began. I stopped receiving calls, etc... 

I contacted Chase bank & XXXX to resolve this issue and they provided me with no resolution and said that there was nothing they could do for this. Obviously disgusted by the matter and who would do something like this, I began utilizing all resources and securing documents that were exchanged. But with no luck or resolution from either company. 

Chase Bank & XXXX who both were notified refused to resolve this issue on my behalf as a result. Even with proof. Maybe it is something I would have to in the end look into a lawyer because the end result after having contacted both Chase Morgan & XXXX was not acceptable to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date August 30 days late

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 2018-06-29
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft from the XXXX breach while I was employed by the FBI. I have submitted my FTC Identity theft affidavit, letter from XXXX verifying what personal information was compromised, proof of my identity and a copy of statute 605B to Synchrony Bank, XXXX XXXX, XXXX and all three credit bureaus. Four fraudulent accounts owned by Synchrony Bank ( XXXX, XXXX, XXXX XXXX and Care Credit ) showed up on my credit reports as collection accounts. Synchrony Bank charged off/sold all of these accounts to XXXX XXXX. I sent the attached letters asking for verification of this debt to include a contract bearing my signature to Synchrony and XXXX and I either received nothing or I was sent a billing statement with an address that I have never lived. I submitted documents regarding my identity theft to the credit bureaus and to XXXX XXXX since they now owned the debt. XXXX XXXX immediately deleted the accounts from all credit reports but Synchrony Bank ( who no longer owns this debt ) is refusing to delete the charge offs from my credit and is continuing to claim that the debt is verified and my identity theft investigation is complete.

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 2021-04-30
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Few months ago I created an account on www. FINANCE.US for crypto currency exchange. I made a deposit of {$6000.00}. Each time i sign in they require me to sign-in in two steps. after user name and pasword then they require a code from " XXXX authenticator '' app that was installed on my secondary phone. 
after a month i lost access to my " XXXX authenticator app on the phone and can not access my account. ( nor be able to withdraw my funds ) I have contacted Binance.us  customer service for over a month for several times. One time i received an auto response with instructions how to reset 2FA ( two step ) signing. these instructions are already available on help pages. I followed them and submitted all required information ( including photo of id, video of myself and holding id selfle photo ) It seems someone have to manually approve reset process but so far no one responded ( over a month ).

I searched online and found out lots of other people having similar issues ( discussing on XXXX ). One common complain is they can not get a response from Binance.US.

I home hoping through this channel Binance.US customer department would respond or simply return my funds to my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: MI
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 purchased a vehicle in XXXX. Financed through XXXX XXXX XXXX. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a 30/60/90 late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
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: Old information reappears or never goes away

Complaint:
There is a laundry list of issues with equifax, first they refuse to allow me access to my own credit report. They ask me to identify information on the reports which they have listed as incorrect, for instance, an address I haven't lived at in 15 years, and an employer i haven't worked for in over 20 years. Secondly I've sent identifying documents to this agency three times, drivers license social security cards, birth certificates, utility bills, and they refuse to allow me to access my credit report. They also are allowing a fraudulent creditor who is under a XXXX XXXX XXXX  advisor alert to add fraudulent and false information on my credit file. They aren't allowing me to dispute the entry, and they refuse to seriously investigate, I've attempted to dispute three times with the little info I have. I was able to successfully retrieve a report through XXXX, but this agency will not talk to me over the phone about my own credit file, they are again wanting me to verify information such as addresses that they have wrong on their file, and they will not remove this fraudulent entry nor seriously investigate if it should be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had judgement in XXXX against me with Discover Card. The collection agency XXXX XXXX XXXX is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. 
On XX/XX/XXXX my checking account was frozen with XXXX balance from a notice from XXXX XXXX   XXXX. I called XXXX to asked them why couldn't I receive a notice that XXXX was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX being reported 30-59 days late as of XXXX XXXX,2018. According to XXXX they have not updated report and when this was placed on the report by Equifax it was a weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received a letter on XXXX XXXX from a company named XXXX XXXX XXXX XXXX XXXX this letter states that WELLS FARGO, had purchased a home warranty policy for me and that is was time to renew. 
I did not authorize WELLS FARGO to purchase and insurance for me, when I called into WELLS FARGO to inquire I was told by their representative XXXX XXXX XXXX that WELLS FARGO did not purchase that policy and then she informed me that WELLS FARGO had just processed an appraisal on my property, when I asked her why this was done she said she did not know and would have a supervisor call me back to discuss this matter with me, but no one has called me and I did not request or authorize any appraisal be done on my property and I want to know why this was done and for what reasons and I want a copy of this 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 2021-05-19
Company: North Shore Agency, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received two letters from NSA Collections agency stating I owed XXXX XXXX XXXX {$34.00} and {$19.00}. I've NEVER even read this magazine, let alone subscribe to it. It gives you a number to call but you're on hold forever. It gave you the option for them to call you back, so that's what I did. They never called. It also gives you a website that doesn't work. They're number is XXXX and their website listed on the letter is XXXX. Now I am afraid they can steal my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: M&T BANK CORPORATION
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car was paid off on XXXX and I havent received the title. After calling a few times the representatives says the title release will be delivered after ten days. Almost 30 days after I still waiting for the title and they keep telling me the same thing over and over. This is not the first time that M & T has failed to their word. I want to close this chapter once and for 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 non-monetary relief