BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
For several days this week (XXXX XXXX, 2018), I've been trying to lift a freeze I placed on my credit with Transunion last year during the XXXX security breach. Trying to speak to a live person resulted in five dropped calls (on overseas lines). I have forgotten my pin and Transunion provides no on-line avenue for retrieving a lost pin. What they do is ask for a letter including all types of personal information that include a current address, However, the reason I need my credit freeze lifted is that I've relocated and am unable to get a car insurance quote because of the freeze, so I can get the insurance I need to get a new license and registration in the state to which I've moved, which will evidence my current address. I finally spoke to an overseas rep who said the company was snail mailing my pin to me. I have no way of knowing if this is true. I was able to ascertain from an XXXX  rep that they had placed no security freeze on my credit, and XXXX provided me with a way to retrieve my pin and lift my freeze with them. There's absolutely no reason why I shouldn't be able to retrieve a forgotten pin on line with all of the private personal information this company requires just to speak with you. What I initiated as a way to protect myself is now impeding my ability to establish myself personally and professionally in another part of the country. Bottom Line: Individuals should be able to retrieve their own PINs and lift a security freeze without the communication contortion I have experiences.

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 2019-07-24
Company: Experian Information Solutions 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:
Experian is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF ED/XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX USDOE/XXXX  - XXXX USDOE/XXXX  - XXXX USDOE/XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX XXXX  is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX NC XXXX XXXX XXXX - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPT. OF EDUCATIO -  XXXX US DEPT. OF EDUCATIO - XXXX US DEPT. OF EDUCATIO - XXXX XXXX XXXX XXXX - XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX

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 2019-07-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We opened an Amazon Prime Credit card through Chase Bank in XX/XX/2018 because of a promotion that would allow us to buy a couch worth {$1000.00} for about {$800.00}. We purchased that couch on XX/XX/2018 and it was shipped XX/XX/2018. The couch was paid for in one payment and we immediately called to cancel the card prior to XXXX. My wife and I had the understanding that Chase Bank received and processed the cancellation as we both distinctly remember receiving a couple of letters trying to get us back on board with using their credit card. 

Seven or eight months ago, my wife and I received a curious letter which appeared to be from Amazon Prime but did not have matching contact information nor did the logo appear to match prior statements that we had from them. We called to ask why we received a letter about owing some money, and we were told that our account was closed at the beginning of the year after we made our one time payment for a single purchase. I called Chase bank just to be absolutely sure, told them about the letter, and they told me the same thing to disregard this as spam. We did exactly that. 

A little over a week ago I received a letter from XXXX XXXX XXXXThat I had been sent to collections for {$350.00} because of a debt with Chase bank. I immediately called my branch and spoke with XXXX the XXXX XXXXXXXX, Who took the XXXX account number from the letter I had and said that this debt was real and in conjunction with Amazon Prime. She looked it up and said that that resulted from unpaid credit card fees, late payments fees, and interest. This is very concerning considering we have canceled the card at the beginning of the year after paying it off in one payment. XXXX said she was going to print out some statements for me to pick up at the bank branch later, and I have those statements now. 

An additional issue has begun today. I have started receiving phone calls from XXXX in XXXX Florida. There have been several calls to my phone from this number just this morning, and not one single voice message. I had my friend Who is well-versed in computer technology do a search on this number. According to XXXX, this number belongs to Chase Bank collections department. According to XXXX notes, people report receiving dozens of calls from this number a day, some have noted that it is an automated message from Chase bank. Personally I do not respond to an identified collars, or computers that call me, when there is no voice message left as an explanation. 

According to the statements, the only thing Chase Bank did after my request to cancel the Amazon Prime credit card, is open up a new one with a new account number without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EdFinancial Services
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I pay an overage of about {$27.00} per month, I have asked that the overage be applied to principal. Edfinancial uses XXXX that allows me to designate the additional principal payment. However, Edfianncial continues to apply payment to future payments. This is costing me additional interests every month. I have filed a complaint in the past and nothing was resolved. They continue to refuse the apply the additional payment to principal because it is a manual process for them? The additional cost in interested is effecting my financial and my ability to pay the loan off faster, ultimately making EdFinancial more money. My prior complaint id wasXXXX XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted XXXX collection several months ago because of COVID 19 I was not able to make my payment. The collector advised me that it would not be a problem to extend my payment one month. Unfortunately he never extended the account causing it to report to my credit 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 2019-07-24
Company: LEXISNEXIS
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 a victim of Identity Theft through a data breach at XXXX XXXX and XXXX XXXX in 2009. The items I have identified and notified Law Enforcement of on my credit report, do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score. The Accounts deemed fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: ADP, LLC
State: KY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I requested payment to be made to my XXXX XXXX via the Bill Pay feature with Global Cash Card. XXXX XXXX stated they've never received the payment, thus causing overdraft and past due fees to be charged to my XXXX XXXX. 

I have made four phone calls to Global Cash Card asking for a copy of the paper check they stated they issued to XXXX XXXX so I can show proof it was received and cashed. Each time the representative fails to understand what is needed. Requests to escalate to a manager is ignored. I have been hung up on, placed on hold and no one returned and my last call I was told they can not provide me with any proof the payment has cleared. 

XXXX XXXX can not locate the payment. GCC refuses to provide me proof. My hands are tied and I have a sinking feeling GCC did not issue the payment, yet took the funds from my account, with in my opinion is theft. 

Payment was {$200.00} requested on XX/XX/XXXX, GCC 's confirmation # is XXXX, status reporting as cleared. 

I am at a brick wall and need assistance because I can not afford to lose {$200.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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 reviewed my report and I'm unfamiliar with these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, I continue to receive repetitive calls Monday-Friday from about XXXX all day from this company attempting to collect a debt from me. I have made them aware I am more than willing to pay {$300.00} but that is all I owe to the original creditor XXXX. Their employee 's stole 4 cell phones from me and are trying to stick the bill on me. I will pay the {$300.00} fee that XXXX  wanted to charge originally for closing the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: ASTA FUNDING INC.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I sold some of my annuity to a company called XXXX XXXX. We did several transaction over a years time, involving different amounts of my {$1100.00} a month payments. A year ago, I was offered to sell the remainder of what I understood was the rest of the monthly amount for {$33000.00}. 
Later I ask XXXX XXXX the balance left of my annuity which I bought for {$180000.00}. 
That 's when I was told that XXXX XXXX owned all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
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: Account status incorrect

Complaint:
I do not have an account with XXXX XXXX I never opened an account with them and really unsure why they are reporting on my credit a Open account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently created my own XXXX XXXX. I was looking into various Business Credit cards. Since I have been a member of American Express since 1999, I wanted to make sure I viewed what they had to offer. I researched extensively online, and I noticed that the business American Express XXXX XXXX card offered 1 year of XXXX and XXXX in form of account credits. 

You may view the details of the offer at this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was perfect for me since I may need to hire a few people this year. I finally called the number and let them know I wanted to open an AMEX XXXX XXXX XXXX Card. They took my application over the phone. Once approved I would call and ask them if they had a tracking number for my card, and since I was already on the phone I asked them to confirm the benefits of my card to make sure XXXX was included. 
This was confirmed. When I received the card I wanted to confirm that I had that offer. Because this feature was the only reason I went with this card. I was told that this offer was online applications only. 

I called executive customer service and filed a complaint. I received a call from XXXX XXXX from their department and she said that since in the phone call that I applied for the call I did not mention anything about XXXX XXXX that they would not be honoring an offer. I thought that in that call I did mention it, but at that point I had done so much research online that I was completely sure it was included in the offer. I explained to XXXX that I even called after I was approved for the card to confirm the XXXX offer and a rep on the phone said it was included. She said that it did not matter and it would not affect her decision. 

This makes me very upset because I currently hold a personal AMEX cards where I pay over {$800.00} a year in membership fees. This business gold card would make my yearly total over $ 1,100+ a year in membership annual fees. And their website/marketing shows that these offers are part of the offering. The website even has a button that says, call in to apply. It doesn't say anywhere that this is an online only offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CITIBANK, N.A.
State: NC
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/2019, I applied for and was approved a Home Depot credit card. I made a purchase in the amount of {$130.00}. On XX/XX/2019 I received an account statement in the amount of {$160.00}. The breakdown was as follows : purchase {$130.00}, late fee {$29.00}. interest {$3.00}. I wrote a check on that date ( XX/XX/2019 ) in the amount of {$130.00} along with an explanation that this was the first statement I had received and that I had not received a prior statement for only {$130.00}. I requested the fee and interest be subtracted. 

Since that submission, i have receive several account statements for late fees and interest on the original purchase which have increased to a total of {$100.00}. 

My statement is that I did not receive an original statement for the purchase less fees and interest ; therefore, can not be expected to pay more that the amount of the original purchase.

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 2019-04-11
Company: EQUIFAX, 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:
On XX/XX/19 I reviewed my credit reports with my credit monitoring website after paying {$29.00} for this option, I noticed there are multiple fraudulent accounts in my name on my credit reports with XXXX XXXX, XXXX  and Equifax. I reviewed the process on how to proceed with this situation in the Fair Credit Reporting Act, section 611 and typed a letter, signed it and completed an affidavit with the Federal Trade Commission as well as sending a copy of section 611 with these documents to XXXX XXXX XXXX and Equifax, having paid an additional {$27.00} in mailing fees for certifying this packet to the credit bureaus. I received notice that each credit bureau received my certified letters on XX/XX/19. I am aware it does take up to 30 days for the credit bureaus to review and/or investigate this dispute and will mail results within that time line. I paid on XX/XX/19 {$29.00} to my credit monitoring account to review all bureaus and noticed the disputed accounts have not been removed with any of the credit bureaus. I have not received any investigation results or notifications what so ever for this situation. It is not XX/XX/19 and I am filing a complaint with the Consumer Financial Protection Bureau to help me in this matter because I do not want to be left dealing with this situation for months and being mistreated by the credit bureaus as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: JPMORGAN CHASE & CO.
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I go to close on my XXXX XXXX XXXX XXXX property on XXXX/XXXX/XXXX ( one week and Monday is a Federal Holiday ). 

On XXXX/XXXX/XXXX advised by title company that Chase held 2 liens on my property ( HELOC & Mortgage. 

Took out HELOC ( Loan # XXXX ) with Chase in XXXX Refinanced with Chase Mortgage in XXXX XXXX. 

Chase HELOC paid in full ( at or shortly after close ) - not in dispute by Chase. 

Due to Chases ' negligence and indifference, thirteen ( 13 ) months after Chase admits that they were paid in full, my property is still being held hostage to their indifference which will very likely block the sale. 

XXXX/XXXX/XXXX Chase submitted Lien Release request to XXXX XXXX. 

Chase later following my discussion with XXXX  admitted that the XXXX document had been rejected due to error in submittal. They since have said they had re-submitted on XXXX/XXXX/XXXX or in XXXX XXXX ( but in neither but can they provide a copy of either doc. ) One Chase rep also said they received confirmation of lien release from XXXX having been processed ( again no copy available ) and before another Chase employee told me the re-submittal was in XXXX XXXX. Add to this a letter from Chase 's Executive Director XXXX XXXX, dated XXXX/XXXX/XXXX congratulating us on paying off our loan in XX/XX/XXXX( six months after the closing and after Chase supposedly submitted the 1st lien release request ; or a month after the latest date they claim to have submitted the 2nd request. ) I have begged to speak with their legal dept. and been told they have no legal dept and no lawyers at Chase ( Must be busy settling the $ XXXX XXXX in DOJ suits? ) Or to speak with someone in mgmt control to convey the urgency of the problem. Not only do n't they employ any lawyers but no managers either! 

I need Chase 's FAKE lien removed from my property in time for the XXXX to provide a clean title for our close next Friday ( XXXX/XXXX/XXXX ). 

I have spoken with no less than 8 Chase rep 's to date and have zero confidence that anyone cares or is even slightly motivated to resolve their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX,2017 I registered two sells with Coinbase,  the first was for Ethereum - {$500.00} - Ref : XXXX. The second was for LTC - {$500.00} - Ref:XXXX. Both transactions are marked " Completed '' on Coinbase 's website. They state an expected transfer delay for ACH bank transfers of 4-6 business days. I submitted a support ticket with Coinbase on XXXX, still no response. It has been exactly one month today and I have received no response to my support ticket, phone calls, nor have I received any payment ETA.

Company response to consumer: Closed with explanation