BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 contact Chase Bank to inquire about reopening a new account. I was told I needed to clear an amount that was in collections, then I could proceed. I paid the disclosed amount, and the rep, Mr. XXXX noted my profile, and told me that I was still eligible to bank with Chase, and could open a new account at my leisure. I stopped by my local branch on XX/XX/XXXX, and scheduled an appointment to open my new account for XX/XX/XXXX. I opened my new accounts at the branch with a truly amazing banker named Ms XXXX. The next day I also opened a Finn account for use when I travel locally and abroad. I also opened a U Invest account for investing on XX/XX/XXXX. On XX/XX/XXXX I stopped by a branch in XXXX Florida to make a cash deposit at the ATM machine, and the transaction was denied multiple times. I called customer service to check on this, and was transferred to their Loss prevention dept. I was shocked to find out that all my accounts were restricted, and the rep I talked to told me they were going to be closed, and she had no valid reason that she could provide. She also said I could NEVER open any accounts with Chase again. She apologized, and said Chase decided to close the accounts, and that was that. This is unacceptable. I can not condone or overlook this type of discrimination. There was no strange or irregular activity on any of my accounts. Chase extended even extended an invitation to restart our financial relationship. I do not appreciate the way Chase has treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Newport Intermediate Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
XXXX issued me a prepaid debit card through northlane.com to refund an overpayment on an account. I activated the prepaid card, but when I attempt to use the card to pay {$6.00} toward my XXXX bill, XXXX tells me that payment is not authorized. I called the number on the debit card and I only received recordings telling me that the balance is {$6.00}. It's impossible to reach a live person. I log in to their website. Their website is excessively slow ; loading a page takes more than a minute. It shows me the balance is {$6.00}. The website shows that it is possible to transfer the money to a bank account through ACH. I clicked that link and after several minutes, it tells me that this account is not authorized ( presumably for the ACH service ). Then, I click another link and the site logs me out saying my session is timed out. I have been actively using the session. It's clear that XXXX doesn't want to refund me the money. Instead of simply sending a check, they sent me a debit card that is designed to be impossible to use. They have created so much friction, that they expect that I will give up and they will keep the small amount that they have overcharged me. This is ridiculous that businesses are allowed to do this -- nickel and dime customers to death.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I've made several attempts to correct the issue with the three major credit bureaus. My complaints have fell on deaf ears. I've never had my complaints properly addressed and this is my last attempt trying to correct this issue and having this inaccurate information removed from my file before I seek legal remedies. 

The following items are a result of fraud and having my identity stolen : 1.XXXX XXXX XXXX of CA 2. XXXX XXXX 3.XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX Ive included a certified police report copy of my ID and a bill that was requested to validate my request Experian, XXXX and XXXX have all failed in addressing my complaint.

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 2021-07-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXX for {$5400.00} XXXX XXXX XXXX for {$15000.00} and XXXX XXXX XXXXXXXX for {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to XXXX XXXX, there is an open collection account from First Credit Services on my credit report. I XXXX the number and called First Credit Services to find out more information about this {$92.00} debt. I spoke to XXXX XXXX on XX/XX/21 at XXXX and provided her with my date of birth, social security number, and address but I was told there is nothing in the system for me. I listened on the phone while XXXX XXXX called her boss over to look at the computer and figure out where my account was. They asked who the original contractor was and I provided them with the information shown on XXXX XXXX. They said " We don't see anything for you. We can't find it. We no longer have this account. We have exhausted all efforts to collect on this and we no longer have the account. '' If this is the case, why is this collection agency on my credit report in the first place? 

Please remove it immediately from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Synovus Bank
State: CT
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:
Each of the following companies called and told them to remove from credit report also mailed letters ask them to send me copys of my signature on a credit app asking for credit with no results each one is listed below 1/. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX sc XXXX phone. XXXX This one is fraud never heard off them or did get credit from them need removed N 2. /. Same problem as above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX 3/. Same as above XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX va XXXX Phone XXXX N 4/. Same as above XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Phone XXXX The following were secured cards that took deposits from me i of XXXX each and charged card fee and yearly fees contacted them also by phone and mail with no results they would not return my money after term so I cancelled the cards and they filed profit and loss on there taxes as write off and need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX phone XXXX XXXX XXXX XXXX  XXXX XXXX wi XXXX phone XXXX The following two never heard off them just appeared on report need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX Thank you for youre help I am trying to get a house I take care of my parents that are XXXX and XXXX been married for 70 years father is XXXX XXXX XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
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: Investigation took more than 30 days

Complaint:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2018-01-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am an American who lives in California. While on vacation to visit my wife 's family in XXXX last summer, I mistakenly opened the Coinbase app on my phone ( I did not buy, trade, or buy any cryptocurrencies or do anything besides open the app ). This prompted Coinbase to send me an automated email on XX/XX/ telling me to send a photo of my driver 's license so that they could verify that I was a US resident. In XXXX I did so, along with a photo of my residential lease demonstrating my US residency. 

That was months ago. Since then, I have been told a handful of times by Coinbase customer service reps on the phone and online that my case has been " escalated. '' But no action has been taken and I'm still unable to access my funds, which I believe are now over {$2000.00}. It's been over five months now with no progress. I've also spent over 6 hours waiting on hold to try to talk to an employee, to largely to no avail. I would appreciate any help in this hugely frustrating situation. My case id is # XXXX. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
It started XX/XX/2020, I woke up to see my unemployment Bank of America debit card was hacked and {$600.00} was taken from my account. I was confused on how that happened when I had the debit card In my hand and the charge was an ATM withdrawal at a XXXX XXXX. Mind you this is a Bank of America prepaid debit card. How can there be a ATM withdrawal when I have the debit card in my hand! No one has ever used any of my cards. Right away I instantly knew something was not right. Immediately I called Bank of America unemployment and they started a claim to get that money back. The representative explained I will be getting a new card, three days later I got the card and activated it. I was able to get 2 weeks of my unemployment payments with no issues. On XX/XX/2020 I got a letter from Bank of America saying the claim has been closed The date it was printed out was XX/XX/2020 one day after I called about the fraud. I call Bank of America unemployment and they said this is been a known problem and they submitted a complaint for me to have the claim re-open. On XX/XX/2020 I go to login to my Bank of America unemployment website and in red came up to call the phone number on the back of the card, After speaking with useless representatives that kept passing me around in circles and transferring me and hanging up on me no one has helped open my account. I keep getting told there is nothing that can be done. Now I have {$600.00} stolen from my account and I cant have any access to get In my account. How will I get the weekly unemployment claims if Bank of America froze my account and is blaming XXXX? This happening to so many people in XXXX XXXX I am not the only one this is happening to. We need our money! Bank of America needs to be held accountable, this is illegal!

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 monetary relief
Consumer complaint received 2018-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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:
XXXX XXXX XXXX account # XXXX original creditor XXXX claims account opened XX/XX/XXXX this account was not opened by me. I have requested validation of the account & have not received any information from debit company or XXXX ans they are stating the account is is mine. This account just appeared on my credit report all of a sudden it has not been on my report recently & I have several reports to prove it was never reported. This is not my account & needs to be removed from all 3 credit bureaus. 

Portfolio Recovery Assoc paid settlement on account and company does not do day to delete. I gave information to credit bureau and only 1 removed information thus far. I need all 3 credit bureaus to delete the portfolio recovery assoc original creditor XXXX XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX this account is settled. I have a letter from them to provide if needed that states account was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Credit Control, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, the consumer, as defined in 15 U.S. Code 1692, a natural person, have reported to Credit Control LLC of their Federal violations under the FDCPA, which negatively affecting my individual credit reporting. I invoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K as outlined in the invoice. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact me any further about this alleged debt. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company on company letterhead.

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 2018-01-29
Company: EQUIFAX, 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:
as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX 11XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2018 I closed my loan application with Amerisave, loan number XXXX, and requested the {$500.00} they collected for an appraisal fee to be returned. My home was never appraised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Resurgent Capital Services L.P.
State: WA
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:
There are 2 things showing a collection on my credit report and neither one I have any knowledge of and were not my accounts. The first one is XXXX XXXX for {$770.00} and the second one is LVNV FUNDING, LLCXXXX XXXX  for {$800.00}. I've never had either one of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: VW Credit
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: Account status incorrect

Complaint:
On XX/XX/2018. I pulled my XXXX credit report showing my Volkswagen Credit account for my XXXX XXXX XXXX still seems to show open on my XXXX Credit Report. A comment was placed on the account that reads " account payments managed by a financial counseling program ''. This is a fraudulent comment that has been placed on my XXXX report as no payments are being managed by a counseling agency. On my XXXX  & XXXX report, the account shows closed & paid off. I have been trying to resolve this with XXXX for over 2 years, and they always come back saying Volkswagen has verified the account has still open. XXXX continues to violate the FCRA and keep this account open. Volkswagen Credit has not verified this account correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX I was granted credit of {$2500.00} by Carecredit/GE Money. I made four additional transactions of {$1400.00}. Based on high monthly due minimum, after eight years of steady payments I look confident to have paid off this credit. But, every month I see this credit increasing due to crafty billing by Creditor. For example : they charged systematically high so-called Interests on Purchases even when no transaction was made in related billing circle. Moreover Carecredit lured me to sign four years ago a program called ACCOUNTS SECURITY PROGRAM which charged my account of {$36.00} or more a month. I was told the program main purpose was to help credit holder compensate monthly due minimum payments in case of sick leave or jobless time. Just a big lie! Because when I recently moved from XXXX to XXXX and while I am still jobless and struggling to settle here, I wrote several times to Carecredit and Synchrony Bank to claim they activate benefit of my account Security program during this jobless period, nothing. Instead they have not only jeopardized my credit score but also connected all my phones to debt collectors who are, as of today, harassing me by calling any time 7X7 days. In the light of all of above, from XX/XX/XXXX I finally stopped paying monthly due minimum unless this creditor provide me in writing complete credit account billing and payments history from XX/XX/XXXX to XX/XX/XXXX to help me know how much I so far paid compared with current balance credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20
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: Public record information inaccurate

Complaint:
I have contacted the credit reporting agencies and asked that this item be removed from my credit report because this item is not mine and reporting inaccurate and there has been no progress and has not been removed I have sent in a identity thief report and it has not been removed yet and this has caused serious damage to my credit report. 
can you please have this situations taken care of as soon as possible.

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 2020-12-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I XXXX XXXX, rights of privacy have been abused and breached by this bureau which could be a direct violation of government law. This bureau is additionally in infringement of government law by detailing deluding accounts on their site without my authorization. This bureau is reporting inaccurate data on their site and based on the federal law, it is the bureau 's GRAVE Duty to guarantee fairness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.

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