BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a long time Chase Marriott Credit Card Customer. On XX/XX/21 I received a letter from Chase advising my account was past due. The letter stated " bring your account current by paying XXXX right away. '' I was not aware of any {$40.00} purchase, so I called Chase. I was advised that I had paid a {$240.00} ( ish ) bill on XX/XX/XXXX, but the bill was {$240.00} and I was therefore XXXX delinquent. I asked what I had purchased for {$40.00} that was delinquent and I was told that was the current minimum payment for the card ( my renewal fee which was on my XX/XX/XXXX bill, not due until XX/XX/XXXX and therefore not late ). So Chase was dunning me for XXXX and attempting to make it appear that I actually owed {$40.00}. No one was able to explain why this was being done, but it is clearly improper to XXXX me for a bill that is not yet due. Further, to take this level of action over XXXX on a card that is always paid on time and in full ( except, apparently, this once for XXXX ). Finally, I note that I did not receive any invoices from Chase in XXXX or XXXX advising me of the outstanding sum of XXXX. Had I received an invoice, I would have paid it. Chase 's actions are very unfair to consumers - I was super stressed, concerned that my credit report would be impacted due to a late payment. I wasted 30 minutes on the phone with Chase only to learn that this was all the result of a XXXX issue. I have since cancelled my Chase card as I believe their actions to be a violation of consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have several accounts with Discover Card. I made an extra principal payment and the check bounced because the bank did not release the funds on time. However I still made the necessary payment to Discover Card. XXXX XXXX then decided to close all ( 5 accounts ) of my Discover Card accounts with no reason provided. All accounts were in good standing with no defaults. I then received a letter saying " WE ARE NO LONGER ABLE TO MEET YOUR SERVICING NEEDS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: NJ
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 is an account that is erroneous. I don't recall the exact scan or  procedure, but it occurred during a time when i had health insurance and it would have been paid by that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I submitted a complaint on XX/XX/XXXX after speaking with a representative, and asking for a settlement, they refused, then responded to my complaint stating they extended a settlement offer, however they have not tried to contact me once since the initial date in which I spoke with them, they then responded to my initial complaint stating to contact them to finalize the settlement offer of XXXX approved on XX/XX/XXXX per their response to me via this portal, and they refuse to have anyone call me back. 

I called XX/XX/XXXX, never received a call back on XX/XX/XXXX as stated in their previous response. 

I called XX/XX/XXXX after reading their response to CFPB, and was told i would receive a call back, and never did. I am now on the phone XX/XX/XXXX at XXXX PST and was told I will receive a call back, but they have no idea when I will. 

I just want to pay the {$11000.00} they agreed upon in my previous complaint, but they have sent no formal settlement offer to my email address on file, nor have they tried to call me at XXXX - I am asking for them to send me via email to XXXX or XXXX a copy of settlement offer, and allow us transfer funds, or set up a payment immediately to finalize settlement offer. 



Original complaint below XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender Exeter Finance, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by Exeter and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I call them on XX/XX/XXXX. And a manager call me back. But I could not get a hold of her

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2017 I called PORTFOLIO RECOVERY in regards to settling the account # XXXX. My offer of {$300.00} was rejected. I was given instalment payment options instead. When I ask for statement, receipt, and/or paper recollection of such agreement, the representative refused and stated that the companys policy was that no paper agreement and/or receipt would not be issues to the debt was paid off. I found this strange that an agreement could be reached over the phone without a paper trail. Also, I asked them for proof that this agency acquired the debt form the original owner and was told no proof was necessary. This is strange practice that needed to report to CFPB. Please look into this matter as to why this firm has such strange practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, My name is XXXX XXXX on XX/XX/XXXX a pension disbursement check from XXXX XXXX XXXX XXXX XXXX XXXX was deposited to XXXX XXXX XXXX in a IRA the amount of {$7200.00}. I made another withdrawal in XX/XX/XXXX of {$1200.00}. I made another withdrawal of {$1500.00} in XX/XX/XXXX. I forgot about the money years later and never withdrew anymore. The bank was taken over by Bank of America and I inquired about the money and I was told there is nothing in the account. So I would like to know where the remainder {$4500.00} plus interest.

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 2021-04-16
Company: EQUIFAX, INC.
State: NM
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed two unauthorize inquiries on my XXXXExperian Credit Report. I have reached out to the reporting companies, and it appears the issue remain unresolved.

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 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.

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 2022-03-08
Company: SYNCHRONY FINANCIAL
State: CA
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:
ON XX/XX/2021 I VISTED XXXX XXXX STORE IN XXXX XXXX, CA. THE LADY AT THE REGISTER ASKED IF I WANTED TO APPLY FOR THEIR STORE CARD, I SAID NO THANK YOU, BUT SHE INSITED IT WAS A SOFT PULL THAT WOULD NOT REGISTER AS A HARD INQUIRY ON MY CREDIT REPORT. 
I SAID FINE AND FOLLOWED ALONG ANSWERING HER QUESTIONS, I GOT THE CREDIT CARD DENIED AND HARD PULL RECORD ON MY CREDIT. 
SHE ARGUED IT WOULD NOT BE ON MY CREDIT REPORT YET HERE WE ARE. 

SYNCB/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 explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: AZ
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 disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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:
I was sent a debt forgiveness offer by XXXX XXXX XXXX via mail, I emailed the company to verify if the offer was still available, the offer was : To pay " special offer balance '' of {$2000.00} and my account will be marked paid in full. The company confirmed that the offer was available and provided an address to send the check. I sent a check of {$2000.00} first, then {$26.00} totaling in {$2000.00} in XXXX of 2019. This was a cashiers check from XXXX XXXX XXXX XXXX. 
After paying the balance I waited a month and the company did not update my credit report. I emailed them and they said they would contact Experian but nothing changed. I then filed a dispute with Experian by speaking with a representative over the phone, I also sent the letter that was sent by XXXX XXXX XXXX and a copy of the checks sent. 
Experian completed the dispute as " remains the same ''. I called again, to find out why it was not updated. Experian Rep. explained that it can not be removed and my dispute was to have this item removed. Me and XXXX XXXX XXXX have communicated via email and telephone that the item ( Charge Off ) can not be removed but should be marked paid in full in accordance with the Debt Forgiveness Offer. After verifying again with XXXX XXXX XXXX, it seems as though we are on the same page and Experian is not updating my credit report. I filed another dispute in XXXX and the dispute came back again " remains the same '' showing that the balance was still {$2000.00} instead of {$2000.00} and not marked paid in full. My last dispute was to verify the accuracy of the information on XXXX XXXX XXXX and again explaining my situation to an Experian Representative.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely 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 2021-10-20
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I signed up to receive my security deposit back by direct deposit on my discover credit card. The money was processed to be sent back on XX/XX/21 I was told by multiple agents I would receive it within 3 business days at most. Then after the 3 business days they told me it would be sent by check and they didnt know why and that it would take 7 business maximum. It has now been over 7 business days and I reached out and they are now giving me the run around and have given me no concrete answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In reference to Case # XXXX - LOCKED OUT OF COINBASE AND UNABLE TO ACCESS MY OWN MONEY FOR 8 DAYS AND COUNTING! 

Coinbase has locked me out of my account without any correspondence for eight entire days following a delayed withdraw incident I perceived as a possible hack scenario. Previously, I 'd attempted to send litecoins to my XXXX but something went wrong on the exchange site ; it said the transaction was complete after multiple seperate attempts, but maintained my same balance as if nothing happened in trade view ; also, there were no funds added to my external XXXX XXXX  so I figured nothing happened. Over some course of time, the Litecoin began to mysteriously leave my XXXX account long after my intital attempts to transfer and I was n't seeing them in my XXXX XXXX ( Not typical in any delayed transaction I 've ever experienced ), so in a panic I contacted Coinbase and inquired with them as to what I should do for tax purposes if coins are stolen because I already knew they would n't / could n't refund me for anything stolen. Moments later, my coins began to trickle into my XXXX very slowly. I was relieved and informed them several times that I no longer have reason to believe my account was compromised and that I changed my password as they requested and to please unlock my account. My account has been locked for over a week and I have not had access to my own money in my own account. I only want it to be unlocked so that I can regain access to what belongs to me. I went to their subreddit accounts below and begged each person below to unlock my account as I was losing a lot of money and could do nothing because my hands were tied : XXXX ; coinbase_josh ; CoinbasePatrick ; coinbaseXXXX Employee ; XXXXCoinbase Employee ; coinbase_cindy ; Coinbase-XXXXVerified Coinbase Employee ; XXXXcoinbase ; I sent each person an email desperate for help and still have had NO RESPONSE from anyone since they locked my account. I can be reached at the email account associated with the case number/request and would like them to notify me after they 've unlocked my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRUIST FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Sheffield Financial Corp located in XXXX, NC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Sheffield Financial Corp has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2017-12-28
Company: James E. Albertelli, P.A., a Florida professional association
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a letter from XXXX XXXXXXXX XXXX Representing Law Firm in XXXX, Texas and they are threatening to foreclose my home and throw me on the streets of XXXX, Texas with my XXXX Lifetime. The Law firm also want s to collect {$250000.00} and put a Lien through XXXX XXXX Courts. 
XXXX XXXXXXXX XXXX and its business partners XXXX XXXX XXXX XXXX, Texas, XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX are all in Fraud alledgations in stealing the Federal Veteran Administration around {$240000.00} on XXXX XXXX and now XXXX XXXX XXXX is trying to send me to court to collect {$250000.00} and put my home in Foreclosure to cover up on my VA Loan. 
VA Lender does n't care about our US Military Veterans and does n't care about our XXXX Citizens and Military Veterans. 
XXXX XXXX and XXXXXXXX XXXX representing Attorneys XXXX XXXX has started court procedures in Texas with a case # XXXX This why XXXX XXXX XXXX and XXXX XXXX XXXX has been doing since XXXX XXXX VA Loan Modifications in prolonging for time to Foreclose my home and collecting {$250000.00} I am XXXX Lifetime and Retired and Divorced and I live alone in my home since XXXX XXXX. 
There is a major Fraud with my VA Loan and purchase process that needs to be Investigated by Federal Government. 
XXXX XXXXXXXX XXXX, XXXX XXXX and Investors and Attorneys of XXXX XXXX knows about my Bankruptcy Chapter XXXX that was filed on XXXX XXXX and it was Discharged by Federal Judge in XXXX, Texas on XXXX XXXX. 
Is this how financial institutions treats our US Military Veterans and XXXX Citizens in America. 
I am contacting Journalist XXXX XXXX on my story to be televised Nationally and with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CRA violation accounts are inaccurate. Its not mine, i have knowledge of the account. 
PO number 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 2017-11-06
Company: Ad Astra Recovery Services 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:
CRA violation- accounts are inaccurate. 
Not mine, no knowledge of accounts PO number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Scott Lowery Law Office, P.C.
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XXXX XXXX XXXX and XXXX

Company response to consumer: Untimely response