BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In late XX/XX/2021, There were two fraudulent wire transfers on my Chase checking account. Within two days I contacted Chase to inform them of the fraud and request the matter be investigated and monies returned to my account. In addition, I asked the Chase rep to disable wire transfers on the account to prevent a recurrence. I was assured it would be done. In early XXXX, additional fraudulent wire transfers were made as Chase had NOT disabled that ability. After over 100 hours on the phone with different Chase reps and departments ( nobody can just deal with the problem themselves... it always required multiple departments and phone calls ), I was told that my account was disabled from online access pending investigation. Chase was unable to close the account and reopen it under a different account number... something that should have been simple. I was told I needed to go into a Chase branch to close the account as they were unable to close the account over the phone. This in spite of the information provided that I live XXXX miles away from the nearest branch! Arrangements were then made to link an external bank account to the Chase account, Make an ACH transfer, and bring the account balance to XXXX. That supposedly would allow me to close the empty account over the phone. After going through all the steps Chase suggested, Chase froze my account for suspicious activity, cancelled the transfer, and deleted the external account link from my Chase account!! I am now being told to mail a check for deposit to my external account as this is the only way to do it if I can not get to a branch. This is after continuously verifying my identity with Chase reps over the two months this drug on. This is unacceptable banking practices

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXXcalled into Vanderbilt to see why they refused to report my account is current and was current in XX/XX/XXXX and still the company has yet to report XX/XX/XXXX its making my credit score go down its unfair and they seem to not care and are very rude I also can provide recordings of the phone Call

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: 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I submitted a complaint with CFPB. The complaint number is XXXX. 

The complaint was closed and stated that I was supposed to receive correspondence from TransUnion regarding how they verified information on my credit report. I have never received any letters or phone calls from TransUnion regarding my issue. 

I am requesting this erroneous information be deleted from my file as they have violated FCRA on multiple occasions. First they did not respond to my original request within 15 days and I have not received any information regarding my CFPB 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 explanation
Consumer complaint received 2018-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Please add this information to [ Case number : XXXX ] ; On XX/XX/XXXX I spoke with a Bank of America Regulatory Representative and still very dissatisfied, first the regulatory representative claimed the 20 minute wait after a restriction has been removed from their card does n't exist, yet the representative from their Security Fraud advised me on XX/XX/XXXX there is a 20 minute wait time after they remove the restriction from their accounts and any transactions made prior to the 20 minutes will automatically cancelled. After speaking with her and I then requested to speak with her manager and received a call from this Manager who she identified herself as VP. She had so many inconsistencies with how she was explaining what happened, first she claimed they could n't locate the calls, then a few minutes later she claimed they had n't reviewed the calls and was disputing everything, which was told me by the fraud department. I do n't know why they ca n't locate the calls being that the calls were made via using the Bank of America Mobile app ; also, she tried to coerce me into signing Merchant transaction dispute, but claiming their investigation was still pending and also claiming the transaction was processed and paid on XX/XX/XXXX, which again goes hand in hand with their poor accounting practices ; on XX/XX/XXXX Bank of America, claimed the transaction was never processed and cancelled due to being marked as duplicate charge. I explained to Bank of America, this the Financial Institution, I trust with my funds each month and I come to regarding transactions, and not only did one of the representative, provide me with inaccurate information, but it was multiple representatives and Bank of America needs to be held accountable and take responsibility for their poor customer service, as a Business this is not acceptable, I trust them with my monies and no I will not file any merchant disputes at this point in time, because this is n't error on my part or the merchant error, Bank of America solely caused this issue. On XX/XX/XXXX, I contacted my merchant by email and explained the transaction had been cancelled by my Bank due to them flagging is as fraud and proceeded to place a new order for XXXX, I then had 2 transactions of XXXX debited from my account and at this point and not disputing any charges with the merchant. Also, when Bank of America contacted me regarding my Complaints filed, I did n't know if it was fraudulent company, because the name of the company shows on the caller id as a XXXX XXXX XXXX and when I contacted the number XXXX, it also states this is name of the company and only the representatives state she was Bank of America representatives.

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 2018-01-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on the XX/XX/XXXX, XXXX was paid out of my account to the account to Coinbase exchange. 
These international payments can take up to 3 days but it has now been 9 for me so I can only assume it has been lost. 
Previously Coinbase had a section by which a complaint could be lodged, now unfortunately clicking on any link/page of this nature reroutes you to the starting page or their automated bot only. 

The payment made to coinbase : the euro equivalent of XXXX GBP on XX/XX/XXXX Reference Number XXXX Recipient 's IBAN XXXX Recipient Name Coinbase XXXX, XXXX. 
Bank Country XXXX Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX, XXXX XXXX, XXXX Recipient Address XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX Paid from my account : XXXX XXXX XXXX XXXX XXXX SORT CODE : XXXX ACCOUNT NUMBER : XXXX IBAN : XXXX BIC : XXXX

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: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX I used Experian in order to receive my 1 annual free credit score report in order to submit an app to rent an apartment. I did not realize the fine print included signing me up for monthly {$23.00} charge from Experian for some sort of account to monitor my credit. I did not realize this was included in the fine print and have never used this service. I feel the " opt-out '' payment policy is dishonest and intentionally designed to fool customers and is intended to be easy to miss. 

On XX/XX/XXXX I called the Experian customer service line to cancel this account. Before being put through to customer service they attempted to sign me up for yet another service which cost $ XXXX month and I had to sit through an automated pitch. I spoke with a rep named XXXX ( Reference number = XXXX ) who confirmed I cancelled the account over the course of the call with the automated service, but declined my request for a refund. They simply don't offer them. I am bombarded with marketing emails but I have never even logged into this account, perhaps with the exception of the process of acquiring the free credit report, and could not even provide my account information when requested by the automated service. 

The FCRA requires these companies to provide 1 free copy of your credit report every 12 months and I feel the misleading methods they used to take advantage of this annual request and sign me up for an costly account is unfair and unethical and that I am due a refund for all charges from Experian. The membership ID included in the cancellation confirmation email I received = Membership ID # 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 monetary relief
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i checked my credit report and noticed that XXXX  XXXX was reported as closed. My account is still open and in good standing. Why is it reporting closed? I have tried to submit a dispute with XXXX Equifax and XXXX to get the account status updated to Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i checked my credit report and noticed that XXXX  XXXX was reported as closed. My account is still open and in good standing. Why is it reporting closed? I have tried to submit a dispute with XXXX, XXXX  and Transition to get the account status updated to Open.

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: U.S. BANCORP
State: CA
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:
CARD # 'S : XXXX AND XXXX DISPUTING INFORMATION for payment not posting to account on XXXX/XXXX/XXXX ( card ending in XXXX ) and XXXX/XXXX/XXXX ( card ending in XXXX ). Both payments were made on the mobile application at different times which gave a transaction confirmed icon after made but due to it being from an outside account, I could not verify until three days later which anyone would assume would be fine ( processed ) and not noticing they were late until running my credit report. Due to the money never being pulled from my account ( up to three days later theres a delay ), the payments were never processed and the account reflected as late on my credit report. I want to dispute the LATE HITS on my credit report. Due to the system having a flaw, it should not be the consumers fault. I have called multiple times to address the issue and have had three representatives at different times state that they would get the late hit on my credit report removed but were not able to provide documentation when needed. There are various inconsistencies while dealing with the representatives and should not give out information if they can not go through with it. I have call recording confirmation numbers and employee ID numbers which should be addressed. Overall, I need the LATE hits removed from my credit report and do not have any supporting documents due to the system never removing the funds from my outside account. If the transaction went through immediately the consumers would be able to verify that the funds were removed and processed through successfully. 

Above is what I sent them as a dispute. I had processed two payments on the US Bank phone application and the payments did not go through ( originally showing that they were confirmed payments processed ). I have spent hours and hours on hold being transferred to different departments and they have not attempted to resolve my issue. I am trying to do the right thing here and get it resolved but they are not willing to help and have made it nearly impossible to resolve the issue.

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: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Synchrony bank along with quiet a few others, XXXX XXXX included, have been notified to send all mailings and calls to XXXX XXXX XXXX  as we had enrolled in the program. They still sent Certified mail to our old residence and are still calling our numbers after being given the numbers to 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 2018-01-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan is XXXX XXXX XXXX with a beginning balance of {$8100.00}. I have been trying to get some resolution since XXXX when I called Navient to setup automatically payments with my new checking account information.I then discover that my co-signer filed bankruptcy. The representative told me that I can not make any payments until his bankruptcy was finished nearly a year went bye. Then I begin receiving collections calls around XXXX of XXXX. I spoke to someone in collections stating that the bankruptcy was complete in I was past due in payments. Which I was unaware and explained to the rep, I was tried to make payments the prior year and was told I couldnt make no payments.At that point I made my first complaint With CFPB. My compliant was closed with no resolution. A payment was made in XXXX XXXX.i have tried on serversl occasions to get a copy of my life span payments that was applied towards interest and principle. Still no response I begin to file my second complaint to CFPB. I made a call to Navient around the end of XXXX. I finally received a itemized copy of what was supposed be a break down of the life of my loan Dated XXXX.which is not reflecting to what my online account information has. I made a call Beginning of XXXX XXXX explained that the itemized bill still doesnt seem to be correct because the format of the bill has doesnt refelect with what I thought was paid throughout the span of the loan. I informed her that I had got reported with the credit bureaus for 69 days late in XXXX that has effected my credit score.I begin to ask the rep about a settlement for the loan she informed that she would have to present an counter offer to the CEO of the company and also that I would have to make at least {$1900.00} dollars and payments a month if was to get an settlement offer. She gave me a breakdown of how many months of payments that was made around 124 and 26 months of forbearance. Then she begins to say the only other option was for me to pay interest at XXXX dollars a month for a couple of months because accord XXXX dollars of interest leaving my loan amount at {$7500.00} I didnt get anywhere with what I wanted to accomplish during this phone call. On XXXX/XXXX/XXXX I called customer advocate department on the Navient website.I spoke to someone who perceived that she was going to assist me. As I begin to explain my issues. She put me on hold then transferred me to 90 day collection. 
I ask the rep why was I transferred he stated that he didnt know. I began to explain to him what my issue was and the only thing stated he was going to put my request. I then ended my conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, 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:
Equifax, XXXX and XXXX are reporting the wrong address and additional credit accounts that I do not own. Equifax, XXXX and XXXX have been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: VA
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 recently ordered my credit report from equifax and I 've noticed multiple inquiries listed on there that I did not authorize or recognize inquiries such as XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Experian XXXX  XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX Account XXXXXXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX 
Account XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX  Account Number XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2021-09-09
Company: Experian Information Solutions 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:
There are multiile car loans on my account that are closed and show that i rented a car but i didnt it dosent belong to me

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 2018-11-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted an official appraisal done on my home to prove our Loan to Value is good enough now to have the PMI removed from our payment. The company refused my appraisal, told me I had to pay for one of their appraisals done. Sent me a letter stating I had to send them an official check in the amount of {$420.00}, which I did. Once they received the check, they mailed me another letter stating that now I owe {$200.00} more dollars to get their appraisal done. I have followed all of their instructions on how to get this done and they keep dragging it on and changing what I have to do. Why did they not send me a check list of exact steps from the beginning. They told me I have a 90 day window to complete this but they take 3-4 in between responses and wasting my 90 days when I comply with their demands right away. I started this process in XXXX and I am running out of time. They are not making this process simple or helping me to get this done. I have done my part and they will not do theirs. I have never been late on a payment in 2.5 yrs, ever!

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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Send in a Dispute for written contract and they said it was verified but it was deleted on XXXX that makes no sense to me and I told them and there playing games

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