BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/XXXX, I complained to Chase that I used my debit card to purchase a " XXXX XXXX XXXX that I saw in an XXXX  advertisement. I explained to Chase that the money left my Chase Checking account on XX/XX/XXXX, but that I never received the product. Chase advertises that they protect their customers from vendors who do not fulfill the vendor 's end of the promise. Chase in a letter to me dated XX/XX/XXXX indicated that Chase would not reimburse my account even though I received no benefit for the money sent to the vendor " XXXX, XXXX XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
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:
There has been several incidents that occurred which I neglected to investigate until the past year. Someone broke into the mailboxes at my last place of residents and my car also was broken into. I did not think anything of it at the time until I checked my credit report. 

I have since moved from that residence but the damage had already been done. After checking my credit about a year ago, I noticed a few things that did not belong to me. It has since escalated into several derogatory accounts. 

I contacted the credit bureaus about a 6 months ago to dispute these errors. A few things were removed but the majority are still reporting. Feeling frustrated, started I stumbled into some solid information on how to deal with this situation. I have since filed a dispute with the FTC and sent additional letters to the credit bureaus on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: Payward Ventures Inc. dba Kraken
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Digital exchange Kraken https : //www.kraken.com/ is indefinitely withholding the digital currency XXXX XXXX from an XXXX that they originally promised to distribute on XX/XX/XXXX. 

XXXX XXXX XXXX After failing to deliver the tokens, they said they would be participating on the extension deadline and would deliver by XX/XX/XXXX. They have again failed to deliver and even their help support employees have no idea when it will be delivered. 

XXXX XXXX XXXX Here is their latest response to the request that was made over six months ago : XXXX ( Kraken Support ) XX/XX/XXXX, XXXX PST Hello, Thank you for your message. 

Kraken has n't distributed the XXXX XXXX ( XXXX ) for the giveaway as of yet. Nor have they released any further information to us here on the support channel. 

Please, note that even we currently do not have an ETA this does not mean that the XXXX XXXX ( XXXX ) will not be distributed even if it is after the deadline that was set earlier. 

Kind Regards, XXXX Client engagement specialist Kraken They are holding millions of dollars in XXXX XXXX  XXXX digital currency from the giveaway and their customers are suffering by losing opportunity costs and we have no idea when the issue will be resolved. Their digital exchange is suffering many usability problems and it is very concerning that the clients will never receive their respective XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I checked my account yesterday and it was active and online. Today, we closed on the sale of several properties. Wires were scheduled to go into the account. I checked the account just now for the wire transfers and instead, CHASE CLOSED my account automatically last night - WITHOUT any notice! I called and spent close to FOUR hours on the phone ; mostly on hold, then passed around, then more hold. Finally, after escalating the call, I was told the computer automatically closed my account due to inactivity and they could not re-open it. They stated it was impossible. I asked to speak to a supervisor and was told he does NOT take calls! He can schedule a call back but they can not schedule a call... .he will just call any time at his convenience. I was told I could drive to a branch with no guarantees. I wanted the supervisor to call the branch to see if the account can be correct6ed BBEFORE I take the afternoon off of work!!! And drive over an hour to my branch ( in the midst of COVID ). Anything done inside a branch should be able to be done without contact!!! The supervisor should be willing to call the branch and request them to re-open the account. I used tow phones all day to get help and ZERO. One phone still has close to 2 HOURS of wait time and STILL on HOLD. Wires are NOW being sent to WHERE... they are already in transit!!!! I want this account re-opened immediately. I have been a customer for over 30 years ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I would like to thank you for your time to review my complaint about my horrible experience with CITI customer service XXXX XXXX representative providing wrongful information to me. My name is XXXX XXXX, I called CITI bank to ask about the dividend card that my grandfather loved and to see if I can pre-qualify since I didnt wanted more hard inquires since Im planning to buy a house next year. The represented informed me that the dividend card is not available anymore and that are better options. And he fallowed by informed me about the Citi ThankYou Preferred Card and the Citi Double Cash and wish I wanted the preferred and we went on to talk about pre approval. And he told me to apply for a secured card and call in so we can do a product change ones I had the card. So I did, and called after everything and then I was told I had to wait for 18 moth for a product change for a secured card to the preferred card. So I talk to a supervisor that told me I was getting a call back in 48h and nothing social media ... same response and nothing so I called again and was giving a fax number.. So I send a fax and nothing.. So Im sending this by mail. My information contact information is bellow and a copy of my drivers license is included. Even though there are other choices available in the market, I prefer to be CITI since is something that my grandfather always used your rewards program and love it. I kindly request you to review my case and get in contact with me and expect a positive outcome so I can enjoy banking with Citi and we grow together.

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 2022-02-04
Company: Mortgage Research Center, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021, my wife lost her job and we were unable to locate further employment for her. After struggling with payments we reached out to XXXX XXXX XXXXXXXX, XXXX XXXX, to apply for a Deed in Lieu for our house. On XX/XX/2021, we submitted the application that was emailed to me for the Deed in Lieu and I was told that someone would contact me within 30 days to begin the process. After 30 days I contacted the company and was told it had still not been assigned to a representative, and that they were escalating the issue. The escalation could take up to 5 business days, after 5 business days I contacted the company and it still was not assigned. At this point we were more than 30 days late on payments and were struggling because we needed to apply for an apartment and our credit score was affected by the late payment. At this point we had vacated the property and I called continuously to get this issue resolved. After the escalation they started telling me it could take 90 days and no one was able to give me information. I requested information from supervisors and was ignored. I worry that soon that company will foreclose on us which is something XXXX XXXX has done to people in the past.

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 2022-02-04
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXXXX/XX/XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had filed several disputes regarding My transactions involving XXXX accessories pl for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX for XXXX and XXXX XXXX and XXXX  card is refusing to provide me a provisional credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I closed on a loan with TD Bank XXXX XXXX XXXX XXXX XXXX, Pa. XXXX. The loan was in the amount of {$220000.00}. Which the following was to paid out to creditors : XXXX XXXX XXXX {$110000.00} XXXX Credit Card {$9400.00} XXXX {$2300.00} XXXX  {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX  {$67000.00} Total {$190000.00} Check to Borrower {$31000.00} Total Loan {$220000.00} Payments were suppose to be made to the creditors 10 days from settlement. However only the credit cards were paid. XXXX, XXXX, and XXXX XXXX were all paid on XX/XX/XXXX. XXXX XXXX XXXX and XXXX have n't been paid as of the writing of this complaint XX/XX/XXXX. 

I have been in contact with TD Bank, XXXX, and XXXX XXXX XXXX multiple times. TD said they sent the checks out on XX/XX/XXXX. But they did n't get a tracking number from XXXX. I did receive a call from TD Bank on XX/XX/XXXX that XXXX XXXX XXXX sent the check back to the TD Branch by mistake and I was told that it was resent to XXXX XXXX XXXX. However the funds still have n't been applied to the payoff of the loan and when I call XXXX XXXX  XXXX they have no evidence that this happened. XXXX still has no record of any payment for the payoff. 

At this point I 've been charged for principal and interest on the new TD Loan and they took payment out of my checking account on XX/XX/XXXX in the amount of {$1500.00}. I 'm also being charged for the loans for XXXX XXXX XXXX and XXXX which should have been paid off before the new TD payment took affect. I 'm lucky I caught that the payments were n't made by TD Bank or these loans would have gone to collections and affected by credit rating. All along TD Bank had no idea that the loans were n't paid off. 

I do n't think there 's any sense of urgency from TD Bank to fix the issues, while I 'm out about {$800.00} in extra interest and penalties and this number is growing. 

Any help to get the XXXX and XXXX loans paid off and refund me charges that are n't my responsibility would be much appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, XXXX $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt collectors net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship Trans Union XXXX and XXXX are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response

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 2020-06-23
Company: EQUIFAX, INC.
State: AL
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:
There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX  ( XXXX  ) Names : XXXX XXXX XXXX ( Equifax ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( Equifax, XXXX, XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( Equifax, XXXX, XXXX  ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( XXXX  ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$3500.00} XXXX  ( XXXX  ) Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX XXXX Equifax ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( Equifax ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax and XXXX  ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax ) Bal : {$160.00} XXXX  XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax ) Bal : {$120.00} XXXX  - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$100.00} XXXX  - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) BAL : {$0.00} XXXX XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( Equifax & XXXX  ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$0.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX ( 2 TIMES )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-01-04
Company: Ditech Financial LLC
State: IA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
mobile home contract ended XX/XX/XXXX after paying 20yrs. now Ditech greentree states after contract ended, i still owe 8 thousand some dollars. all monies have been paid every month even after bankruptcy in XX/XX/XXXX and had been paying my original amount of XXXX and they came back and took me to court saying i had not made my payments of XXXX made me pay an additional XXXX dollars to keep my home on top of monies paid monthly. some months they had never even sent statements and monthly payment was paid.the only way more money can be owed is if my monthly payment was manipulated into complete interest instead of applied to the principal.. i have tried talking to them in the past and i get treated like an XXXX. also i have been divorced from my x wife that i bought the mobile home with for many years. have sent them my divorce papers many times over the years. since XX/XX/XXXX they have been sending my monthly statements in my x wifes name. ditech greentree does what they want when they want with no altenative for the consumer that uses their service. they recently sent a statement of default cure. i actually have been paying monthly since my contract ended just so i dont lose my home, now they want 5000+ dollars in 20 days or they are taking it. i can pay this off when i get my income return with my current wife but we feel that we shouldnt have too because our contract ended. x wife is XXXX, XXXX XX/XX/XXXX in XXXX texas. can not obtain XXXX certificate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have become aware that the company LexisNexis has violated the Fair Credit Reporting Act by accessing and selling my consumer report to other consumer reporting agencies without my permission. As a Consumer in Fact, I have the right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) and did not give LexisNexis authority to have my personal information in their database or to sell my information to other consumer reporting agencies which is an infringement upon my rights as a natural person per Title 15 Per USC 1681b ( a ) ( 2 ). 
I have forwarded to LexisNexis an affidavit and invoice specifying my requests and have not heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ok this debt was acquired by ms. XXXX XXXX phone, email address is XXXX she got a XXXX insurance policy without my notice months after we broke up we only dated for about 2 months her vehicle is a XXXX  XXXX XXXX XXXX but since she needed a XXXX on top of that insurance cards she decided to put my vehicle and my name without my consent now Caine and Webber have me in collections because of her fault which I think is unfair

Company response to consumer: Closed with explanation