BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my Chase small business checking account in XXXX, 2020. The customer service staff confirmed it was closed over the phone. Prior to this, I had moved all my vendor subscriptions to use another checking account debit card with another bank. 

I later received a letter from Chase that my account had been overdrawn which couldnt have been possible seeing as it was closed. Upon further research I discovered that Chase had not fully closed my account, but instead had allowed a charge in the amount of {$10.00} for an old vendor I had forgotten had been linked to my debit card. I expected that if there were any online vendor subscriptions that they would be declined since the account was closed. 

This then cascaded to Chase adding insufficient funds ( NSF ) and overdraft fees and monthly service fees on top of it. I later attempted to resolve the issue by contacting Chase and I paid the amount the vendor charged to Chase over the phone, but that I didnt feel the added fees were fair or ethnically based since I had been led to believe the account was closed and went through every reasonable effort to ensure it was. Their customer service said they were unable to help and do anything and I felt powerless and defeated just to try and get someone to understand what happened and how its not acceptable to treat small businesses like this. The reason I closed my account is due to my small business struggling during the pandemic and I couldnt afford to keep the balance amount to their limit in order to waive the monthly fee so I found a local bank that offered free monthly checking accounts instead as I had lost a lot of business. 

I received another letter which shows they sent the account negative balance to their collections department in the amount of {$80.00}. Since the last correspondence letter in the mail, I moved several times last year and have not received any other communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: United Student Aid (USA) Funds
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
USA Funds did NOT address my issue at all. I asked a statement showing how my tax refund offset was applied to the defaulted loan ( principal and/or interest ) and they failed to provide evidence. The figures on the attached pdf do NOT match the figures on the department of education 's website. I have statements/evidence from the original loan holder showing how much the loan was sold to USA Funds for and this does NOT match with the figures on the attached pdf. USA Funds has failed to provide any evidence and is using false information in the attached pdf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I contacted my sons ' bank in regards to 2 {$500.00} debits from my account that were not authorized. 

Theses funds were debited from my checking account, and paid to someone on the platform through the XXXX child 's account. 

I was told an investigation would ensue. 

The next day on XX/XX/2020, funds from random people started coming into my account. Transactions that were not authorized. I couldn't believe this was happening 2 days in a row. 

I contacted customer support on XX/XX/2020 very frustrated. 

I closed my account because there is no way, any person with sense, would allow this to continue to happen. Furthermore, the first 2 {$500.00} debits, put my account arrears, and caused payments i ACTUALLY made to bounce. 

My bank, has rectified the 2 {$500.00} deductions from my account, But Iv'e contacted Current on XX/XX/XXXX, and again XX/XX/XXXX and I haven't heard anything from them. 

Furthermore, they are still holding on to the balance in my son 's account, and I have not received that ; {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have several unauthorized inquires on my credit report and I have never given access to my report to any of these company to pull my credit file in the business or pupose of doing business. I needed to file this report in order to have them removed. The following company are show on more than one of all 3 bureaus XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  I, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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

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 2021-05-20
Company: ASPIRE FINANCIAL INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Company ASPIRE FINANCIAL , INCXXXX DBA TEXASLENDING.COM. After approval for a cash out refinance I was presented with 2 final disclosures with conflicting information. 1 was the original terms agreed to with a closing cost of {$10000.00} and the second was a lower cash out among with a XXXX increase in costs in the amount of {$13000.00}. The explanation given was credit score changed but no credit information was was reported or changed between application pull and final pull. I feel I have been bait and switched. I have 1 borrower signature on the original forms given before aspire archived the document.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: PA
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 confidentially under 15 USC 1681. Act Name : XXXXXXXX XXXX XXXXXXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXXXXXX XXXX, Act Name : XXXXXXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: BARCLAYS BANK DELAWARE
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I realized on XX/XX/XXXX that I overpaid my XXXX XXXX ( XXXX ) by {$920.00} due to making a payment and having one scheduled. My account was at a XXXX balance ; therefore, I have a {$920.00} credit. I called on XX/XX/XXXX to request this be deposited back in to my bank account. The rep said general practice is to send a check that I would get in 7-10 business days. I demanded the money be deposited back in to my account. She said it would take the same amount of time and I said that was fine. On XX/XX/XXXX I called to get status ; I was told it was still in process and to give it a few more days. I called a couple more times, but do not have those dates. Yesterday ( XXXX ) I called again and demanded to speak to a supervisor because I still did not get my money back. On another date I demanded to speak to a supervisor and got transferred to another CSR who admitted she was not a supervisor. The supervisor I spoke with yesterday said she would get this escalated and that when I called on XX/XX/XXXX the CSR did not do anything to get the process started. When I called on XX/XX/XXXX no one mentioned that. When I would call to get status I was always just told to give it a little more time. The supervisor I spoke with yesterday said she would call me back that day. I have yet to get a call back and still have not gotten my {$920.00} credit. I'm a single mother who needs this to pay my mortgage. I'm beginning to think I will never get it.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
A collection company added a collection item to my credit report XX/XX/XXXX with XXXX balance due and continues to report XXXX balance due each month. The company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX The original creditor was XXXX  XXXX The original balance due XXXX XXXX was {$340.00}. This amount was claimed on my partition for Chapter XXXX bankruptcy filed on XX/XX/XXXX and granted on XX/XX/XXXX. 

XXXX opened a Collection claim two after my Chapter XXXX was granted.

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 2019-07-15
Company: Scott Fetzer Financial Group Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I talk to them and told them I dont owe them any money they were rude and argued with me called after hours now theyre trying to get into my credit to mess that up even though my x husband messed that up with domestic abuse. I had to get a Protection order on my x husband. Another person from the same company is trying to Get financial records proof of income proof of power of attorney which Im not, They would not listen to me so I never got it resolved they have my phone number my email my address I dont have any idea how they got that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion is reporting 2 late payments on my accounts when I dont have late payments

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 2018-07-16
Company: Turning Point Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX FROM XXXX XXXX XXXX, HAS BEEN CALLING OVER 2 TIMES PER DAY. TRYING TO COLLECT A DEBT THAT WAS PAID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo for a property in  XXXX . My employer posted me to  XXXX  and I no longer have  a US mobil e phone number. Wells Fargo online does not allow me to log into the system to service my mortgage without receiving a code t o a US mobi le phone number as part of th eir two factor authentication procedure. As a result I can not service my mortgage online even with current log in   credentials. I spoke with Wells Fargo twice regarding this issue and asked  if the two factor au thentication can be done via my registered email address or a  XXXX  mobile number that can receive text messages. This is similar to ot her US financial i nstitutions. There does not seem to be a solution Wells Fargo is able to offer 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 2020-08-31
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
Credit Acceptance is closed on my XXXX  and XXXX  report, but XXXX  keep the account open Due to Credit Acceptance lies! My husband passed away and they took the car before hand in.. I live on SS and from the state raising a child. He died with no life insurance, he had nothing. Each credit report shows different collection, then the other.

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
A recent XXXX initiative was launched XX/XX/XXXX regarding how credit agencies report and/or verify information placed on credit reports. In my case a XXXX XXXX XXXX currently on my TransUnion credit report. After hearing about these changes i called TransUnion on XX/XX/XXXX about how this would impact me directly. The lady i spoke with outlined the recent changes to include " a new standard of minimum requirements '' for public records, such as tax liens or bankruptcies. She stated if a reported lien did not include " ( 1 ) Name, ( 2 ) address, and ( 3 ) full social security number and/or date of birth '' then it would be removed from my credit report. I let her know that i had already in fact received a copy of the official XXXX from ***XXXX XXXX XXXX XXXX , XXXX XXXX , Florida*** and was able to confirm it did not have the SSN or DOB present. The XXXX XXXX also confirmed the last time anyone requested confirmation of the XXXX was XX/XX/XXXX ( the new XXXX also states regular 90 day check-ups are required ). With confirmation from TransUnion and the Court i submitted my dispute. 2 Days later TransUnion stated it was verified and would remain, even though they directly confirmed it would be removed. I do n't understand why they provided me all the information on the new standards, i confirm my information does NOT meet the standard, submit the request satisfying all the requirements and then they say " its verified '' and will remain. ( I had called XXXX the same day I called TransUnion and after faxing the official copy they also removed the XXXX from that report for this  very same XXXX requirement ). Can someone please contact TransUnion to have my report corrected and follow the guidelines they stated they were using? I need help with this ... Thank You ( i 've also attached an official copy of the lien document from the circuit court supporting my complaint and dispute. I also attached a copy of my SSN and FL DL verifying my identity -- please do n't publish that document )

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 2021-03-28
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX  XXXX XXXX last reported XX/XX/2021 in the amount of {$320.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both XXXX XXXX XXXX individually and have not received any reply back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received two letters from Chase Bank stating that theyre closing all of my credit card accounts and checking account. First, I thought it was a scam or joke. I called the phone number on the letter three times to speak to someone and all three times I was told that they cant give me a reason why theyre closing my account. 

I been a loyal customer with Chase bank for over a decade now. I had a auto loan thats paid off. I have my checking account with Chase bank since XXXX. I have five credit card with Chase thats been paid on time and in good standing. Never missed a payment and currently have XXXX balance. 

Im really hurt and disappointed with Chase bank because theyre not telling me why theyre closing my accounts and all I did was be a loyal customer. I have excellent credit and make over XXXX figures. Never did anything illegal and been a honest human being. I dont mind taking my business elsewhere. I know there are plenty of financial institutions that would take my business within a heart beat. It just makes me feel now that Chase bank is racially discriminating against me because I didnt do anything wrong for them to just close all of my accounts without a legit reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent XXXX Litecoins from my XXXX XXXX XXXX to My Coinbase wallet on XX/XX/XXXX ... I sent the coins to my wallet using the same address that was given when I sent Litecoins from my Coinbase wallet to my XXXX XXXX XXXX ... It is now XX/XX/XXXX over 80 days and my Litecoins have still NOT appeared in My Coinbase wallet.. 
I have made Numerous emails and Call to Coinbase customer support and they keep saying My ticket is in line with a specialist ... PLEASE HELP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to put a Security Freeze on my credit report due to the potential risk of identity theft that I have recently been alerted to, but Experian 's online credit freeze is not working for a week now. The error alert claims I could not be verified, so I needed to send all my confidential information through the mail to them - which seems ridiculous in this time sensitive matter, and simply in this technological age. XXXX and XXXX were able to freeze my account in minutes. However, most interesting is that Experian had no problem verifying me and accepting my information to create a new Experian account to sign up for their XXXX credit locking program. This seems like a suspicious roundabout way to prevent me from using my right to freeze my credit report for free, and instead pay for a {$24.00} a month lock subscription. I would appreciate CFPB investigate why Experian 's online credit freeze feature does not work. I would contact Experian, but no email is provided, and I can't get through to them on the phone.

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 2023-07-12
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 is missing that should be on the report

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have asked Professional Placements services to provide me with proper written validation of my alleged debts and they have failed to comply with FTC standards of validation per the XXXX opinion letter put out by the FTC.which states that proper validation is not achieved by a simple printout from the collection agencies records.and this is exactly what this company has provided and called proper validation.this company has been involved in unfair debt collection practices and is in violation of the FDCPA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation