BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: The J. G. Wentworth Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When trying to pay my mortgage on line, JG Wentworth 's website says that " this feature is currently unavailable. '' It 's been like that for 3 days. When I try to call customer service to pay my mortgage on the phone or actually speak with someone, the wait lines are so long I do n't get through. When I use their 24 hour automated pay by phone service, after I enter in all my loan information, the system does not give me the opportunity to pay over the phone but automatically transfers me to a phone number where an automated voice tells me the office is closed. Today is XX/XX/XXXX, and if my mortgage is n't paid by the 15th, they charge me a fee. And my credit score may be damaged? I read an article yesterday that j.G. Wentworth has filed bankruptcy and I 'd like to know if this is all related and how I can pay my mortgage. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Let me begin by stating that I am new to digital currency trading. On XXXX XXXX I purchased 1/2 of an XXXX XXXX for {$140.00} and a few minutes later 1/2 of an XXXX for {$140.00} ( see the attached XXXX bank account statement ) I purchased XXXX through XXXX, an online XXXX wallet. The money was not withdrawn from my checking account until XX/XX/XXXX. On XX/XX/XXXX XXXX finally excecuted one of the transactions for {$120.00}. So they must have pocketed the difference between the amount they debited my account and the price of the currency at the time they processed my order. I have read that many people have had the same experience as me, so it does n't appear to be a coincidence. Also, many people are claiming to have a difficult time getting their money out of XXXX. I would like to get the money I invested back. XXXX 's customer service is a robot. So, speaking to a human being is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions 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 submitted certified letters to all 3 credit bureaus and a collection bearing two names, XXXX XXXX XXXX and XXXX XXXX XXXX. After reading about the countless lawsuits compiled by this collection agency, no wonder they have two names. According to FCRA section 609, I asked for validity and proof of ownership for something they had placed on my credit file. Some sort of medical bill that I have no knowledge of and which is odd, considering I am single with no kids. Generally someone would know if they have been to a clinic or hospital

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 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Bankruptcy chapter XXXX-dismissed # XXXX Unverified public record

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 2019-07-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We had a business checking account with chase Bank, the name of the business is XXXX XXXX XXXX XXXX account number XXXX, and we use to receive money from customers through XXXX XXXX ID XXXX, we closed this business account about 3 weeks ago, however one of our customers still have the old XXXX email ID. He transffered {$300.00} to the buisiness account on Monday XX/XX/2019 using XXXX, Chase bank account since the bank account close should refund the money to customer, instead chase took the money and deposited it to personal account XXXX XXXX XXXX. The customer called them they refuse to refund the money, they asked him to call us XXXX XXXX and ask him to call the bank and ask them to refund the money, when XXXX XXXX called the Bank, they told him the sender have to call and ask the bank to refund the money, the customer called again they gave him the same answer. XXXX XXXX called the bank again, the bank said that customer gave XXXX XXXX personal account information so that the reason the deposited the money to XXXX XXXX personal Account. 
That is not true, customer only have the Business account XXXX email ID, XXXX, he never have XXXX XXXX personal account XXXX email ID XXXX, which been deativited over a month ago. 
The last customer associate claimed that the customer deposited the money XXXX XXXX personal account in person. 
It is easy prove that chase did a mistake, or did on purpose, and they are covering for their mistake. 
Chase transaction number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY! 
-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
Experian send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

XXXX and XXXX never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.

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 2019-04-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX at around XXXX, California Time, we spoke with Lender Rep in regards of EMERGENCY Loan Modification. 
We are respectfully love to stay in our beutiful Home, and raise our childrens and have a prosperous Mortgage Affordable monthly payments. 
If there is a apportunity to have a Mortgage Credit Certificate, to have prosperity in Federal Relief we highly aprreciate it. 
I XXXX XXXX XXXX XXXX, on around XX/XX/XXXX my mom XXXX XXXX Purchased Our new Construction home at XXXX XXXX XXXX  CA. 
In XX/XX/XXXX my mom was diagnosed with XXXX and she past away XX/XX/XXXX.Our family went through a very difficult financial hard ship and as my mom XXXX XXXX death devastated the entire family.Funeral expenses and other. 
Home expense was implemented during my mom death. 
On around XX/XX/XXXX my dad Mr.XXXX XXXX was going through a Medical Complications and need my Care taking assistance. 
But the las 2 years his Health condition got worst, I would have to take time off work, call in sick so I can take my dad to his appoiment and ER. 
So my income was insufficient to Retain the mortgage Payments and expenses at our home XXXX XXXX XXXX CA.XXXX. 
Presently we have substancial income to accommondate with mortgage and home expenses. 
I'm respectfully requesting for Lender to modify the existing loan under {$2000.00} a month with a 30 years Fixed Loan Rate, Plus with no Pre-Payment Penalty.Please include Property tax and Home Owners Insurance in Escrow Account. 
Notice : My Dad Mr.XXXX XXXX is XXXX XXXX and has Pre-Existing Medical Condition. 
Thank you for supporting Military Veterans, as Im a U.S.XXXX Military Veteran.

With honor and Respect Always. 
Please make communication with me XXXX XXXX by email : XXXX as I am taking care of my Dad Mr.XXXX XXXX, XXXX XXXX Medical Issues at Home. 
Thank you for your wonderful support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: MI
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: SIMM 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: Account status incorrect

Complaint:
Simm Associates is continuing to report a collection account in my XXXX report that has been recalled months ago by the original lender. They cant take payments or discuss the account I called and confirmed. However they are refusing to remove the entry on my XXXX  file so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Syncb /walmart I filed a lost, stolen report report with police report with you and you closed the walmart { account contract closed }. that same day you opened an account { walmart } please send me a copies of the contracts with my signature to open another account that same day. because there are two accounts stated on my credit report with same account number account XXXX opened XX/XX/2016 you closed account account was closed same day an account was opened need copy of that contract with my signature on it to open new account XXXX again. you have all documents in file

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 2017-11-25
Company: General Information Services, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I was hired at XXXX on XXXX XXXX in XXXX MI and they let me go because on my background check that was a old misdemeanor charge and it was because my mom bought food stamps from someone and they pressed charged on us. Because she bought me food and I did n't take back the food back so they charged me with receiving and concealin the food that she bought me. It was from 2014 it was spose to be took off if I conpleated the program and I did so I 'm just asking for my job .Any question call me XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX, XXXX and Experian has not corrected my Credit File to  reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX  Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a Zereo Balance Owed. 

Waiting for a Reply, 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 explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian has reported this fraudulent account of XXXX XXXX  of {$4500.00} this is not my account it must be deleted

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 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a Bank of America XXXX  XXXX credit card in XX/XX/2019. My wife and I used this card to make over {$6000.00} in purchases during the month of XX/XX/XXXX, as we were moving across the country. I attempted to make a payment and was directed to the BOA application, which I subsequently downloaded. On XX/XX/XXXX, I attempted to make a payment online. I received an error message saying that online banking had been disabled for my account and that I must call XXXX to address the issue. This number connected me to an automated recording instructing me to make the payment through the app. Needless to say, this cycle became very frustrating and seems designed to make credit card payments difficult. I ultimately spent nearly 3 cumulative hours on hold before I finally was able to make a one time payment. No one ultimately addressed the online banking issue so now, three weeks later, I attempted to make a payment in the amount of 1500 and ran into the exact same problem. It is aggravating and seems that BOA has designed this process to make payments difficult to discourage users from settling their account, perhaps to increase revenue from interest. I intend to cancel this card but I think this issue should be addressed to the ensure the welfare of other users.

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 2018-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was a victim of a fraud case that was place on me by Bank of America. I went thru the process to recovery some of the funds I had in my checking account I had open with Bank of America back in XX/XX/XXXX. They was implying that they where going to move forward in filing a fraud case against me. I thinking the amount was somewhere between {$1900.00} to {$2300.00}. So they required me to setup a payment plan to pay back the overdraft fee. And the amount of the payment was {$140.00} for 12 months. And in return they told me once the amount is paid in full I 'm not allowed to open up a acconut with Bank of America. I feel that is absurd to do the to a customer who been with Bank of America for the long run. I had investment accounts with Bank of America investment company XXXX XXXX. I was looking to return to Bank of America and continue my relationship with the bank. I believe that was one minor mix up. It happen back in 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 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Several months ago, I completed a large sum balance transfer to a Bank of America credit card to receive a 0 % APR on the amount. I have continued to minimally use the credit card for other purchases. The bills/statements provide no clarity to the amount necessary to pay to avoid interest on the regular purchases, while fully benefitting from a longer timeline to pay off the transfer sum. I understand that minimum payment due is applied to lowest interest rate balances first, so therefore my balance transfer amount, but that payments exceeding that amount should pay off higher interest amounts ( current/new purchases. ) To avoid an interest charge on these new purchases, I called Bank of America and asked for the exact amount to pay that would result in {$0.00} in interest on my next closing statement. After receiving that amount from the representative, I made the payment that same day, with even XXXX {$10.00} more than the amount stated necessary to avoid interest charges. Despite this, I received the current statement and was charged {$11.00} in interest on purchases. I then called Bank of America directly and was told that if you make any purchase while having a promotional offer, you are subject to interest on the interest bearing purchases, regardless of payment amount and this remains in-effect for 2 billing cycles. This was not stated when completing the balance transfer and is very misleading. It ultimately penalizes a consumer for using their card while trying to benefit from a promotional offer.

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 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion claims to not have a file on me as a result of disputes I made. ( See letter below ) The first file number I received is # XXXX. 

I believe this is yet another stall or delay tactic. It is of great concern that they could lose my file. How accurate could the records be? Please remove the following items from my report : ACCOUNTS XXXX  XXXX not mine XXXX XXXX   XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX   XXXX {$430.00} not mine 12 XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} not mine 12 XXXX XXXX XXXX {$970.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2018-01-11
Company: TCF NATIONAL BANK
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have seen hard inquiry for certain lenders with out my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief