BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I traded this vehicle in for another. This vehicle is paid, not active and I don't own it any more.

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 2018-02-19
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Receivables Performance Management in the amount of {$390.00}. This debt has not been validated by the creditor or the 3 credit bureau agencies and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
Experian allowed a paid charged off creditor to add derogatory information to my credit file that was incorrect. When Experian added this incorrect derogatory information to my file my FICO score to drop 21 points. XXXX XXXXXXXX XXXX. Instead of updated my account with a XXXX   balance XXXX put the same derogatory back on my file. Once I made a dispute to remove personal consumer comments from my Experian credit file this decreased my credit Fico score.

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 2021-02-09
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX I presumed that no proof, nor therefore any such debt, in fact exist with account CREDENCE RESOURCE MANA, XXXX XXXX  for {$1400.00}, Account # XXXX. Under the FCRA, unverifiable account must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX has removed account on XX/XX/2021 from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was running late on my payments for well over a year I would make the payments at the end of the month. I would always call them and post date a check for when I could make the payment. I have been on time now for the last 13 months. I set up an online account with them only to see they offer you setting up a Promise to Pay with them and they will not charge you a late fee. I have over {$600.00} in late fees sitting on my account that I feel if they would have let me know that such a thing existed I would have not been charged those fees especially because all along I always communicated with them and feel that I should have been made aware of that only for them to be able to charge me an extra almost {$50.00} a month. I did ask them if they would kindly reverse the fees because I feel like I should have been made aware I could have done that so I did not Incur the fee if I could have prevented it and they refuse. I feel like its unjust. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a wire transfer in the amount of {$400.00} + {$40.00} fee through Chase  Bank to my sister on XX/XX/XXXX. The transfer did not go through because of error in the account number. 
After numerous efforts on my part to get Chase Bank to return my money, I was forced to file a complaint against Chase  Bank with the CFPB ( Case # XXXX ) filed on XX/XX/XXXX. In response to that complaint, Chase reimbursed the {$40.00} fee and sent me a letter promising to retrieve my money from the recipient bank within 3-5 business days of the letter. They assigned a case/reference number to my wire retrieval case ( Case/Ref # XXXX ). 
It is now over 3 weeks since Chase informed me that they had initiated contact with the other bank. I have not heard from Chase Bank since then. I have sent emails ( on XX/XX/XXXX and on XX/XX/XXXX ) to Chase Bank via the secured online messaging system, requesting an update on the status of my requested {$400.00} refund from the botched wire transfer. I have also attempted calling the wire department at Chase bank and got no response. Just as before when I filed my initial complaint, no one from Chase has bothered to respond to me and my money has not been refunded so far. 
I am tired of chasing after Chase Bank to do the right thing and return money that was not received by my relatives back to my account. It is unfair for a large corporation such as Chase Bank to treat hard working customers this way. I have been ignored for months and I have been forced to send additional money in other for my deceased brother to be properly buried while Chase Bank continues to play with me. 
I am requesting the Consumer Financial Protection Bureau to intervene in this matter because I feel like I am being played with. As a single mother of minor children, it is ethically wrong for Chase Bank to put my family 's survival in jeopardy in this already rough economy. 
I am not asking for anything other than the return of money that I paid that was never received by my relatives for my brother 's burial. 
I am prepared to go to the press with this matter if the CFPB turns a blind eye to my request and continues to allow Chase Bank to oppress my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: CA
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:
On XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter on denial of Payment Extension on my Auto Loan. 
I didn't authorize or Consent Financial Institution to pull my credit without my consent for a Payment Extensions. 

Why did XXXX XXXX pulled my XXXX, XXXX  and Equifax credit reports for a Monthly Payments Extensions? 
XXXX XXXX doesn't have the right to pull my credit for monthly payments Extension. 
Why did XXXX, XXXX  and Equifax allowed this Federal Violations.? 

This is a Discrimination and Retaliation against me as a XXXX XXXX  American and my XXXX status I am XXXX Lifetime and a XXXX XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX XXXX Department of Justice has been violated by XXXX, XXXX  and Equifax. 

Covid19 Pandemic is affecting many Military Veterans and all Citizens in the Community in California and America and around the World. 
With Honor and Respect Always. 
This is a Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter on denial of Payment Extension on my Auto Loan. 
I didn't authorize or Consent Financial Institution to pull my credit without my consent for a Payment Extensions. 

Why did XXXX XXXX pulled my XXXX, Transunion and XXXX credit reports for a Monthly Payments Extensions? 
XXXX XXXX doesn't have the right to pull my credit for monthly payments Extension. 
Why did XXXX, Transunion and XXXX  allowed this Federal Violations.? 

This is a Discrimination and Retaliation against me as a XXXX XXXX  American and my XXXX status I am XXXX Lifetime and a XXXX XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX XXXX Department of Justice has been violated by XXXX, Transunion and XXXX. 

Covid19 Pandemic is affecting many Military Veterans and all Citizens in the Community in California and America and around the World. 
With Honor and Respect Always. 
This is a Urgent Matters!

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 2021-02-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I logged in to my account on chase.com XX/XX/2021, followed all instructions and provided all requested information ( including verification ) and made wire transfer to XXXX XXXX XXXX hours later I received a email from Chase.com on XX/XX/2021 informing me that my wire transfer had been cancelled. On XX/XX/2021 I called the number provided in email from chase.com, as instructed, to prevent further restrictions on my account. I spoke with chase customer service reps who claim to be in US, but also claim they are unable to fix the problem, instruct me that I need to go to branch location and speak with someone in person. I was transferring, by wire, {$220.00} to XXXX ( a cryptocurrency company that does business with chase and provides specific instructions as how to transfer money specifically from a chase bank account. I was transferring money to purchase XXXX. While I have been trying to regain access to my chase.com bank account, which has been restricted due to the wire transfer being cancelled by chase, the price of XXXX has risen, which in turn has reduced the profit I would have made had I been able to access my funds thru chase. Now I am being made to wait additional fays and the price of XXXX continues to rise. Chase bank has prohibited my investment and has caused me monetary losses due to this. This should not have happened after I successfully completed verification and all required wire transfer steps requested of me by chase.com. I would like to sue chase bank in small claims court for loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Each year I download credit reports form the 3 major credit reporting agencies at XXXX. At least I attempt to download all 3 credit reports. XXXX and XXXX each download my free credit report without difficulty however, for the past two years EQUIFAX has asked security questions that do not line up with any of my personal information and when I correctly answer the security questions " None of the above '' I am denied a credit report. This has happened two years in a row. I called them last year, was told the problem was resolved and I would be able to download my free credit report " next year ''. Now it is " next year '' and the same problem is recurring. I called EQUIFAX again, was transferred around to at least ( the list is growing ) seven reps who all told me they were transferring me to the department that could resolve my issues. Each time I am transferred I end up connected either to an automated system that does not address the issue or to another person who claims ignorance of how to resolve the issue or of who I need to speak to in order to get the issue resolved. The last rep I spoke to says they are " aware of the problem and are working to fix it ''. For TWO YEARS? I call XXXX. I can not understand why EQUIFAX wants to make it difficult or impossible to collect the free credit report I am entitled to by law, or why they are apparently not working to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2017, I co-signed on a house with my son. 
We are not behind on payments or otherwise in breach of contract. 
I am suspicious the note is fraudulent as we were never given a loan as stated in the promise to pay. 
The note is not notarized or signed by any bank. I have had written correspondence via certified mail with all parties at the closing table including the assigned servicer ( XXXX  ) asking for proof of the loan and have not received any proof of a loan only a copy of an EFT from the  lender ( PHH ) saying they transferred money to the servicer. 

I wish to rescind the note as there is no evidence of an ACV loan made and despite my asking at pre-closing as well as at the actual closing, the details of how the note was to be securitized were avoided and never disclosed. 

It is my belief that the originator used my sons and my loan application ( SS numbers ) as a security instrument that was used to withdraw the money from our own XXXX accounts, and then further sold the promise to pay as a bearer certificate to the open market. 

Clearly, through lack of any ACV transaction and lack of full disclosure, the note is fraudulent. 

Because of the scheme, how do I get the note rescinded? 

Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX/XXXX/2020, I sent a letter to Transunion about inaccurate and unverifiable items on my credit report. It has been over a month and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 30 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus is reporting inaccurate information on CAP1/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
MACYS/DSNB REVOLVING ACCOUNT # XXXX OPEN DATE XX/XX/2012 IS FRAUDULENT AND NOT MINE. I HAVE CONTACTED THE CREDIT BUREAU TO HAVE THIS FRAUDULENT ACCOUNT BLOCKED AND REMOVED FROM MY CREDIT REPORT.

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 2022-01-05
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TD BANK XXXX XXXX I owe {$0.00} Status current Date opened XX/XX/2018 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX 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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. 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 {$0.00} -This is not my account. 

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

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

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

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


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2018-02-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have opened a wallet in coinbase.com they asked me for a small transaction so they can activate my account and I could get my money out of the wallet into my bank account. I sent 10 and they said that it would take about two working days to activate my account. However, it's been almost two weeks and yet my account is not activated, I tried to contact them by all the methods they provide in their website but I never receive any response. 

I have invested thousands of pounds to get all the money that is in that account but they are still holding it. 

Please help me with this. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: eToro USA LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have an account with eToro app. I use this app to purchase crypto currencys. For more than 5 hours I could not login to app to utilize services and therefore protect the money I have invested. Furthermore, the offline service that eToro has provided was not responsive. This company app has failed to provide service when I needed the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Saturday XX/XX/2020 at approximately XXXXXXXX XXXX I attempted an ATM withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX, IN from my Venmo checking account for {$260.00}. The ATM displayed a message that I did not have sufficient funds, although my balance showed {$270.00} available. I tried the withdrawal a second time and received the same message. I removed my card and no money was dispensed. Approximately 15 minutes later, the {$260.00} was deducted from my account. I immediately reached out to Venmo Support and was advised they would look into it because they show the money was dispensed. On Monday XX/XX/2020 I contacted XXXX XXXX XXXX  and they verified that the money was not dispensed to me. Venmo still has not returned the money to my account and efforts to communicate with them have not gotten any reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.

Company response to consumer: Closed with non-monetary relief