BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-15
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
COINBASE. 

I have been using this app to trade with virtual currency and after using it for several months this message appeared suddenly : " YOUR ACCOUNT IS CURRENTLY BEING REVIEWED AND WE NEED SOME TIME TO VERIFY YOUR INFO. DURING THIS REVIEW, YOU WON'T BE ABLE TO USE COINBASE. REVIEWS GENERALLY TAKE A FEW DAYS, SO SIGN IN EVERY DAY OR TWO TO CHECK YOUR STATUS '' It has been over three months ( not just a few days ) that i havent been able to use my account therefore I can not get my money back because my account is always being reviewed.

This company, COINBASE, is reviwing my account after it had already been verified and properly working, so now I do not have access to my money.

Do please help me to get my money back because they are my savings. If I can not use the app I should be able to get back my money so please I would very much appreciate your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To :

Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5900.00}, {$550.00}, {$1700.00}, {$7700.00}, {$6800.00}, {$3100.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX report. The second time it was removed from my XXXX report. It is now being reported on my Transunion report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.

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 2018-04-21
Company: CITIBANK, N.A.
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:
In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a Citibank card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. Citibank was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by Citibank to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

Citibank is still showing on my XXXX credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my XXXX  report. 

In XX/XX/XXXX, I submitted an online dispute to XXXX about this matter. On XX/XX/XXXX, I received a letter in response from XXXX stating that the Citibank information was " Verified as accurate ''. 

I had seen an increase in my XXXX credit score when the amount was paid to XXXX and at that time XXXX  was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from XXXX that XXXX had reported negative information to them and now that Citbank account is showing up as " Charged Off '' with a balance of {$20000.00} on my XXXX   credit report. My XXXX credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this Citibank account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by Citibank, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per Citibank 's 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 2019-01-03
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX that I had was conducted by XXXX in early XX/XX/XXXX/XX/XX/2017 when I was XXXX. All the bills were taken care by XXXX because I had my XXXX card and did update my XXXX card number to customer service of XXXX via phone during the first time I did check-up with them. When I received a letter that I have outstanding debt that would be going to collection soon, I did call Customer Service of XXXX and double checked. The customer service representative said she did not see any outstanding balance on my medical record, and comforted me that they may send me a wrong mail cause there is someone having the same name as me living in Florida right now that might be the one with outstanding debts. I stopped calling them thinking my debt should not be an issue anymore. I recently figured out that the debt is still there based on my credit report request.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018, American Express, without warning, suddenly decreased the credit limit of my XXXX card from {$30000.00} to {$5100.00} ( while the card carried about a {$4900.00} balance ). American Express extended a special low interest offer on this card before this balance was accumulated. The offer was only accepted because of factors such as the high credit limit available, and the balance was only accumulated to that level by accounting for the resulting credit utilization. Therefore, it is believed American Express reneged on its side of the bargain after the customer accepted and took actions accordingly. This kind of unilateral agreement change can potentially destroy a customer 's credit without warning. For example, the credit utilization on this card suddenly increased from less than 20 % to nearly 100 %. This " bait and switch '' tactic appears to render AmEx 's original offer fraudulent and results in customers being thrust into a " maxed out credit card '' situation/status on their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: LA
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:
Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XXXX andXX/XX/XXXXmonthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XXXX of the year XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with XXXX  and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own. I appreciate your time and look forward to receiving a favorable decision from your department soon. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim to a scam about two weeks ago on XX/XX/2022. I reached out to this girl via XXXX because she was selling a pair of tickets to an event I wished to attend. The first thing I did was ask her for proof. She sent me proof of the tickets by sending me a screen recording of the tickets on XXXX. For various reasons, I concluded that the tickets were real. I then asked her which form of payment would be best. She initially offered to use XXXX XXXX but that did not work out so she suggested XXXX. Before I sent any money, I asked for an updated screen recording of the tickets and she sent it almost instantly. The timestamps were accurate and everything appeared legit. I then asked if I could purchase the tickets one at a time because I wanted to take the extra precaution. She agreed. Right before I sent the money, I asked for another updated screen recording and again, she sent it almost instantly and everything appeared legit. I then sent the money to the email she provided. The first transaction was of {$280.00}. I then waited for her to transfer the ticket. She asked for my XXXX information and proceeded to transfer the tickets. She then sent me a screenshot of the XXXX website which stated that she was not able to transfer just one ticket because the two tickets share a barcode. She would only be able to send the tickets as a pair of linked tickets. Seeing as I had already sent the money for the first ticket and the screenshot appeared legit, I agreed to send the money for the second ticket. However, after I did and I sent her confirmation of the XXXX payments ( two separate transactions of {$280.00} ), she began to respond with less frequency and I still had yet to receive the tickets. I then messaged her multiple times and she wouldn't respond. I asked for my money back and she didn't respond. She then blocked me. I immediately called my bank to dispute the charges seeing as it was a scam. My bank is Chase. They told they would be unable to issue me a refund because I authorized the payments. They however said they would file a claim for XXXX and see what XXXX could do. I received an update and Chase has said they will not be able to give me my money back and that I should reach out to the merchant. This is not a solution seeing as the " merchant '' is a scammer. My friend has also been scammed in a similar manner, also via XXXX, and she was able to get her money back so I don't understand why I am not able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was taken over by NewRez in XX/XX/XXXX. I have no escrow account as I pay my taxes and insurance myself. 
In XX/XX/XXXX, I switched insurance companies. NewRez asked for the new policy info. It was provided to them by the insurance agent but they showed no record so we resubmitted it in XXXX and they acknowledged receipt. 
In XX/XX/XXXX, I received correspondence stating that they are creating an escrow account for lender-placed insurance due to their records showing no insurance. I figured they were behind in updating their records so I waited another couple of months. I received another notice in XXXX and decided to send them an email on XX/XX/XXXX asking them to re-check their records because the policy info had already been submitted twice. 
In XX/XX/XXXX, I started receiving letters stating my mortgage payments were past due. I have my payments set up via billpay for the bank to automatically pay every month. I double checked my account and saw the payments were still going out on time as scheduled. I called NewRez on XX/XX/XXXX and had the rep verify that payment was received. He confirmed it and also showed that I make my own insurance payments. I hung up feeling like I finally got resolution. 
In XX/XX/XXXX, I received a letter stating that we are behind on our mortgage payments and credit bureaus have been notified of my and my husband 's non-payments. Letter also mentioned they will begin foreclosure. Upon receipt of the letter, I emailed XXXX ( mortgage servicer ) asking for an explanation. I contacted the Consumer Federal Protection to  file a report. This requires NewRez to respond. In their response, they explained they did not have proof of insurance from XX/XX/XXXX - this was when they took over my mortgage from another company and should have received that info from the previous mortgage company. They also explained the reason my mortgage payments are not current is because they have been applying my payments to the lender placed policy ( which costs {$8300.00} per year ) they started for me. They asked that I send proof of insurance from XX/XX/XXXX to XXXX which I did immediately and also asked for confirmation that my records are updated. I received no response. 
In XX/XX/XXXX, I received a statement saying my loan is in default due to no payment. I called to find out about the insurance docs I sent and they explained that I should have sent docs to XXXX and that I should call back in a couple days for confirmation of receipt. I called back in a couple days and was told I need to wait for a letter. 
Clearly NewRez and the mortgage servicer Shellpoint Mortgage   are not in sync with their accounts or communications. I will be filing another complaint with the Consumer Federal Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow account analysis completed incorrectly - Quicken Loans did not verify current required payment from our taxing authority. 

Appraisal value of home changed and required property taxes were reduced by {$5000.00}. New escrow analysis was completed and concluded that the escrow balance and payments remain appropriate. 

Without escrow changes we will be paying above the maximum escrow balance per RESPA ( calculate at escrow requirement + 1/6th account cushion = XXXX ). 

This is not the first time we've had significant issues with Quicken Loans. 

They did not have documents prepared accurately at closing and we had to wait several hours while they corrected forms. 

They falsely claimed escrow was covering homeowner 's insurance payments and I found out three months after closing that this was not the case and the insurance was not valid as they had never received a payment from Quicken. Thank god we had not had to make a claim. 

They called some months back offering to refinance the loan with no money down - I asked them to confirm this was the case before running my credit. They did, ran my credit, and then said they couldn't offer what they had indicated, hitting my credit with a hard inquiry for no reason. 

I am a former XXXX  XXXX and have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Based on my experience I am extremely concerned about Quicken Loan 's ability to accurately service our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice from my XXXX on XX/XX/XXXX notifying me of a change to my credit report. This was a surprise. Enhanced Recovery Co reported a new account to XXXX   that is listed as seriously past due in the amount {$1100.00}. I do not have any accounts with this company new or old. I do not know of this company. I do not owe this company any money. I never received any communication from such a company. I have never done business with this company. 


Steps taken : I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX, the day XXXX received the alert from XXXX. While I received confirmation that the complaint was received and forwarded to the Enhanced Recovery, as of today 's date I have not received a response from Enhanced.

Company response to consumer: Closed with explanation