BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive the information and calls from the Choice recovery on XX/XX/XXXX, who then reported to Debt Collection. The expense occurred at XXXX XXXX hospital for my XXXX XXXX XXXX  and paid my dues to the hospital but not informed that I owe money to Choice recovery or lab at that time. I only came to know when I received an alert from XXXX  that collection has been reported! 

As soon as I see the alert, I called Choice recovery and made a payment on XX/XX/XXXX, and my report is updated. Still, I see my credit score is affected by this collection inquiry. Also, my credit score report states that the length of time accounts have been established are too short but I have been paying my mortgage loan since XX/XX/XXXX and closed my two car loans prior to it. 

So the above two are the mistakes that need to be resolved in my credit report as it is impacting my score and credibility. Because my current credit shows as XXXX compared to my XXXX FICO score from all the 3 bureaus. 

Please do the needful. 

Thank you and I appreciate your efforts in resolving my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX my car was broken into and my ssn card, DL, Debit card was stolen. Contacted police made a report with the XXXX Police XXXX # XXXX in TX. I called Chase bank to report my debit card being stolen. XX/XX/XXXX Received a call from Chase Bank in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX phone XXXX with XXXX XXXX. She stated if I am trying to make a deposit I stated no I am at home she said you are not tryting to deposit $ XXXX and make a $ XXXX withdraw I said " NO '' she made statement that someone is in drive thru trying to make deposit she alerted police. I told her not to process check. The criminal managed to flee the scene. I immediately called 1800 chase number to confirm the call was not also fraud they stated they were contacted to at this time they will make an investigation. I offered incident report with police on each call I have made after this day no one wanted to take it. I walked into chase bank institution the following day said what do I need to do. They advised to open new account while other will be investigated. In the course of the 90 days I had Chase bank do their own 3 attempts of misc withdraws from my new account to make old account positive. Which I was told the old account would be restricted. Several mistakes have been made if you look at the check my name is mispelled, no signature, I did not have $ XXXX funds in account to have that withdrawn. Chase bank has been negligent in allowing the check to process, seeing that I report a stolen debit card this did not alert them to process the check. Chase Bank has consistantly turned my new account negative for days then crediting it back. I have been in contact with Fraud department, recovery department, claims dept, research dept and customer service no one is able to assist me nor give me any information. They all state the its the other department resposible. I been left without answers without assistance and to this day my account stands negative. The instution has video footage and phone call recording yet they are still after 90 days are unable to make a resolution to the investigation. They closed my account after 90 days to make the negative account positive and instead of sending me to collections they tapped into my new account and will buy them an additional 90 days to find a resolution. While I stand here at a negative account as a single mother with XXXX children. All my utility bills are coming back stating my account has been declined. Monday is XXXX the bank will be closed I spent all day the bank today without able to get a temporary credit as they continue their investigation. This error also happened the day before XXXX holidays leaving me and my children on an American Holiday at negative account for days. The bank has been negligent with several errors and left me in the dark.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
XX/XX/2020, my capital one credit card was deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20
Company: CITIBANK, N.A.
State: NJ
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:
I have been a member of a Citcards since XX/XX/XXXX. The credit card products have changed over the years but I have always maintained my account. Recently, on XX/XX/XXXX, I received notice that Citi was closing my account due to inactivity on XX/XX/XXXX.. I called to stop this and they said there is nothing they can do. It was already closed. I think this as wrong as that closing accounts negatively affects my credit score. Further, they have also locked me out of the ThankYou points account that I have, where I have accumulated XXXX points ( an approximate value of $ XXXX {$60.00} ) Notice about account closure should occur before the account closes not after. While this may no be much to one consumer, the damage that is done over the course of thousands of consumers could mean that there is real money and damage done in the aggregate.

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 2018-06-23
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: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently looking at my credit report there is an account the was delete and was sold to another collection agency and it is not my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND A RE-INVESTIGATION. 
I would like to know what was the method of verification ( mail, phone, E-Oscar, email ) FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims. This slow or unresponsive method is unacceptable. I request to see ONLY original contract wet ink, proof of ownership ... ..anything else I will consider the account as unverifiable and should be deleted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app by square is deducting money from the account but the card is declining during transactions and they did not notify any consumers of an issue with this and have no time table for a fix. No way to contact them outside of social media

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15
Company: General Motors Financial Company, Inc.
State: MI
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:
I have disputed 10 hard stops on my credit report from XXXX  in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Today XX/XX/19 I attempted to make a purchase at XXXX for {$2.00} and get {$100.00} cash back. My transaction was declined in the store. I checked my balance on their app and it still showed {$210.00}. I went to another register. Attempted to purchase {$5.00} worth of stuff with {$100.00} cash back and was declined I tried again and was declined I went to the ATM and was giving a message about reaching my daily limit. I then get an email saying the previous XXXX declined transactions were completed in my account and my funds were taken although I never competed any purchases. This company doesnt have live customer service. I was trying to buy groceries for myself and my XXXX daughters. Needless to say I was on able to buy the groceries. I also needed to pay for my laptop that is in the pawnshop today by XXXX XXXX that now has not been done that was the reason for me trying to get cash back. After sending several emails trying to get help all I was told is it will take XXXX hours. Now after waiting several hours I still do not have my money nor has the company provided an XXXX as to when the funds will be returned they took my last money and I need it back immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20
Company: DISCOVER BANK
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 information incorrect

Complaint:
I tried to pay the company many times. They sent me emails to the effect that I had paid and then I would call back and try to pay and they would keep take my information and run it as an e check. My bank does not take e checks. They kept telling me that they were putting it in correct and they didn't. Although I tried to pay they kept running it incorrectly. They the. Reported that i was not paying on my credit card dispite the fact I kept trying to pay them. My report reflects like I was not paying, but they were not running my card correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CITIBANK, N.A.
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:
i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} Citi Bank - {$6600.00} Citi Bank - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.

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 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently looking at my credit report there is an account the was delete and was sold to another collection agency and it is not my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND A RE-INVESTIGATION. 
I would like to know what was the method of verification ( mail, phone, E-Oscar, email ) FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims. This slow or unresponsive method is unacceptable. I request to see ONLY original contract wet ink, proof of ownership ... ..anything else I will consider the account as unverifiable and should be deleted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: MO
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 HAS FRAUDULENT COLLECTION ACCOUNT PLACED WITHIN MY XXXX  CREDIT FILE XX/XX/2019 {$410.00} AND {$400.00}.

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 2020-06-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I recieved a threating voicemail around XX/XX/XXXX and when they called back XX/XX/XXXX or XX/XX/XXXX I managed to answer the call the claimed they were calling from Ace Cash Express and have orders to find and detain me unless I proceed to arrange payment on a loan I took out In XXXX. They said they can stop allegations towards me if I pay the about of XXXX $ or They can take me to court and they would ask for XXXX plus and I got so scared i would get arrested and lose my job so I made the first initial payment and made 5 other payments, in total I payed them XXXX . Yesterday they called me harassing me again because my card didnt go throught because its overdrafted since I lost my job I dont have way to pay for that. They threatened to located me at my job and find me at my address and i called them back and they would not pick up. I called my local government office to see if there is any claim against me and they had no records of anything online, I also called ace and they didnt have my loan come up since it was from a while back or the representative was rude and lazy and didnt want to look the information up. Either ace hired someone to collect for them or a scammer scammed me for XXXX . They wouldnt give me an official address for their office, which makes it a scam to me, their name on my bank statements is XXXX XXXX. I have since blocked my card and reported them to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Coinbase ( and its subsidiary XXXX ) have submitted a 1099-K showing an incorrect amount of gains to the IRS on my behalf. I have tried contacting them multiple times via their support email address and each time they have ignored the problem or otherwise not fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
BACK IN XX/XX/1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX   SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN XX/XX/1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT FED LOAN SERVICING CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM XX/XX/1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.

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 2021-04-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chase Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: JPMORGAN CHASE & CO.
State: CA
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:
This company decided to close my account after I have consistently paid my bill since I opened this account. I feel that this is not fair because I opened this account to build credit when I had almost an 800 credit score. I never once missed a payment and now they are closing my account after I took a credit dip for opening this account and utilizing it. This is unfair, especially since at no time did they ever reach out to me to discuss this matter. If this is how they want to conduct business then it should not reflect poorly on me when I was consistent with this establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Better Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Better.com promises " If we cant beat a competitors price, well give you {$1000.00}. '' I gave them a competitors offer and they beat it. A couple days later, I gave them a lower offer. Better said they couldn't beat that offer and wished me luck. After I closed on my mortgage with a competitor I asked the rep from Better how to claim the {$1000.00}. They asked for the mortgage note and to resend the CD to prove that I closed on the same terms as were in the offer they couldn't beat ( I did ). A few days later they said I didn't qualify for the guaranty because they had beat one price for me, just not the final price. The terms of the guarantee do not make any qualifications like this. 
Better seems to rely on this term from the T & Cs : " Each borrower may only take advantage of this offer once per loan application. '' However, the " offer '' here isn't, " we'll beat any competitor 's rate, '' the offer is " If we cant beat a competitors price, well give you {$1000.00}. '' The only time I attempted to take advantage of this offer was when they failed to beat the price and I asked for the {$1000.00}. That only happened once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Compass Recovery Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
the Compass Recovery Group keep calling me in reference a debt i owe. i explained that at this time i am suffering an hardship and do intend to pay but right i can not. they threatened to take my home, garnish my pay check and called place of employment. i continuous is receiving phone calls from different individuals. they wanted to go in my checking account and take out money. i was sent an unofficial looking document after a phone call of trying to collect money from me. I am being harassed by the company and wants it to cease. 

i suffer from medical issues and trying to keep my employment.

Company response to consumer: Closed with explanation