BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
-At the end of XX/XX/2019, I posted an item for sale on XXXX. The amount of the item ( a picture ) was for {$150.00}. Within minutes, I received a note from an interested buyer who indicated that he/she wanted to buy it. 
-The person indicated they would be overnighting a check to me for the amount. I provided my address and I received the check on XX/XX/XXXX. However, the check was in the amount of {$1800.00}. The buyer indicated her secretary had accidentally sent the check in the wrong amount- that it was meant for something else. He/she asked that deposit the check and then send the difference back to him/her in the amount of the difference minus {$25.00} extra for the issue ( amount {$1600.00} ). 
-The check was not a personal check, but one that appeared to be issued from a bank directly. 
-I deposited the check on Friday, XX/XX/XXXX through the ATM at Chase Bank in XXXX , Texas . 
-The buyer started to become very pushy about me sending the money order back. I checked my account on XX/XX/XXXX and it appeared the check had cleared. I went to XXXX and purchased a money order for the difference, but I was starting to feel uneasy. 
-On Monday, XX/XX/XXXX prior to sending out the money order, I called Chase directly to inquire about the check, telling the Customer Service Agent that I felt uneasy about the buyer and wanted to double check that the check had cleared. The Customer Service Agent indicated that it had cleared. 
-I sent the Monday Order on XX/XX/XXXX. 
-On XX/XX/XXXX, I checked my account again- this time receiving a message within the App that the check was fraudulent. 
-I tried to contact the buyer, but the buyer 's phone was now disconnected. 
-I spoke to 2 different customer service agents and went into a Chase Branch to question why I had been told the check had cleared when in reality it wasn't. I was told by all three that the Customer Service agent I spoke to on XX/XX/XXXX should NOT have told me that the check had cleared and should've explained to me the customary time period before funds are actually available. However, even though they admitted to incorrectly informing me, I was told by Chase that since I deposited the check via an ATM, I was not eligible for protection on the check vs. if I deposited in-person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In 2018 I was violently ill, I went to the doctor and they thought something was wrong with me. They sent me to get some test one was a XXXX  test at XXXX XXXX XXXX XXXX, They asked for my insurance to get pre approved. I was told I had nothing to pay, They scheduled my two appointments. They said they would collect the money from the insurance company. At no time did they inform me that I had a deductible or anything to pay. I left there office without paying anything after the tests. 

While checking on a claim from another medical provider with my insurance company I was told that the XXXX XXXX XXXX was paid the following by my insurance company {$1200.00} {$1200.00} {$20.00} I started to receive phone calls from National Recovery Agen regarding more payments on the bill, I was told that they are the collection agency for the balance of the bill and I could not call XXXX XXXX XXXX XXXX. I told them I want to get the debt validated and I want the original company contact me. They said I could only speak to them. 

I called XXXX XXXX XXXX to get the debt validated and they told me they don't have the bill anymore that National Recovery is now the party to speak to. They also confirmed they had the wrong address for me. 

At no time was the debt validated, At no time I was told I could dispute the bill, my rights under fair credit reporting was violated. Under the Fair Debt Collection Practises Act, XXXX XXXX XXXX was suppose to inform me of the bill, let me know they got paid before reporting to the debt collector. This was not done. I was never told by the company that my insurance company paid them three big checks. If I had know that I had a portion to pay I would have paid it at that time. I thought everything was taken care of by the money they recived from my insurance carrier. 

I ran my credit report this morning only to find these debts on my credit report. I contacted the original creditor who told me that they indeed got paid, that they had my wrong address, and the debt collecting agency is indeed handling the bill for the balance. I asked how can I have a bill, when you told me that my insurance will pay the bill and you got a preapproval. They said I have to contact the collection agency. 

The debt was never validated, the collection agency contiune to report it every month, I was never given the opportunity to dispute the bills. At no time did the collection agency told me the bill can be disputed. 

I asked the medial company to sent me the bill, they finally emailed it to me after two years today when I told them I'm going to write to the CFPB. see attached I would also like this be sent to each of the credit bureau

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 2021-02-10
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second time complaining. Shellpoint is completely incompetent. See below a chain of events : 1 ) Even though we paid flood insurance in full and provided them with declaration pages, they put insurance on the house and required an escrow 2 ) Even when they provided flood insurance information, they still did not remove the escrow. This is still a point of contention. They tell me they are collecting the escrow for next year 's premium 3 ) We paid our property taxes in full to XXXX County. It turns out they paid it as well 4 ) Now that they discovered the double-pay, they have materially increased our escrow I have called them numerous times, and they will not address this issue. We pay for everything in full and directly, and instead of removing the flood insurance escrow, they now slapped on a property insurance escrow. 

This is absurd. I have never complained to CFPB before, and now I am complaining twice on the same issue. Can you please help me? The first inquiry actually yielded negative results, since they INCREASED my escrow after I complained.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CITIBANK, N.A.
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CITI Card recd two payments approx {$4500.00} and {$4800.00} back in XXXX of 2018 from a ID theft Citi purposely added the balances to the card instead of deducing them After approx 45 days the payments were reversed for some reason Citi will not furnish any info as to routing nos acct nos etc so I can file police report They have tried to correct the balance but the bal is still showing approx. {$8400.00} and it should be around {$3800.00} In the mean time they are still reporting the bal Fraudulently Citi has agreed that that they have a breach of security and to do further damage they have added the {$4500.00} and the {$4800.00} to the bal again bring the bal now to over {$17000.00} It is obvious that I have not charged anywhere near these amounts to the card I have made all payments as required except the last two XXXX and XXXX due to there lack of concern I have constantly complained to Citi with no response There are some fraud charges to the card that have not been addressed to date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX on XXXX/XXXX/17 obtained a copy of my credit report without my consenting. I want this off 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 non-monetary relief
Consumer complaint received 2017-09-15
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, XXXX I wired {$21000.00} to Coinbase , Inc . The wire was sent from my credit union, XXXX XXXX of XXXX, to Coinbase 's bank, XXXX XXXX Bank. I spoke with XXXX XXXX Bank and they confirmed that they received the wire on XXXX XXXX, and forwarded it to Coinbase the same day. Coinbase has not credited the money to my account, and has not responded to my multiple attempts to contact them to get this issue resolved. I now believe that they are acting criminally. How can a company legally hold my money for 17 days without providing the promised services? How can they get away with having absolutely no way to contact them by phone? I have sent at least XXXX emails, opened XXXX support tickets, left them voicemails, attempted to contact them on XXXX, XXXX, and XXXX and filed a complaint with the XXXX XXXX XXXX. This company needs to be shut down, they are either thieves, or lack the competence necessary to run any sort of financial company. I have suffered financial harm because Coinbase has effectively stolen my money. I will be filling criminal complaints with every agency with jurisdiction to ensure that this criminal enterprise can not harm others in the way that they have harmed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Back in XXXX of 2021, Specialized Loan Servicing told me they would take off the late payment so it would not reflect on my credit report but as of today they have not done so. I called them numerous times and they indicated the late payment would be removed and report it to the Credit Bureaus to remove it off my credit report but to no avail has that been done.

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 2021-04-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax, XXXX XXXX XXXX XXXXeir Bank Account # XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate across all 3 credit bureaus. I have sent certified letters to Equifax, XXXX  and XXXX 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided Equifax with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$31000.00} XXXXXXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX {$25000.00} XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XX/XX/XXXX {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I located a XXXX post for an upcoming XXXX XXXX game and texted the seller about the tickets on Saturday, XX/XX/2019. 

- His original cell phone number was XXXX. 
- The offer was for 4 tickets, {$90.00} each. Total of {$360.00}.

- The agreement was for the seller to transfer 3 of the 4 tickets to my XXXX account first, then I would send payment, then he would send the 4th ticket to complete the transaction. 
- I received an email from XXXX at XXXX that 'XXXX XXXX sent you tickets ' - The transfer was complete and I had 3 of the 4 actual tickets in my XXXX account - Then the seller asked if I can pay with an app called XXXX. My bank, PNC Bank, is integrated with XXXX so I felt comfortable using it at the time. 
- The seller sent a payment request to my XXXX account from XXXX XXXX ( XXXX ) XXXX ' for the {$360.00} payment we agreed upon. 
- I accepted it, and the seller told me I would have the 4th ticket soon as he was transferring it. He never did. Stopped responding to text messages, calls, etc. 
- I received another email from XXXX at XXXX telling me that the tickets which were transferred into my account were fraudulent.. " Unfortunately the original tickets were obtained fraudulently and the original order was cancelled which means the tickets transferred to you are no longer valid for the event '' - I called my bank, PNC Bank, at XXXX to put a stop on the payment to XXXX since it was still pending. They instructed me that because it was still in flight, I had to wait until it posted for them to do anything about it. I was told to call back on Tuesday morning. 
- I called back Tuesday morning, and PNC told me there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account access was obtained illegally and used to make unauthorized transactions in the amount of {$4200.00}. I called the police to file a police report and filed written notice along with proof of said police report to Bank of America. The claim has been continuously denied.

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 2018-10-16
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX18, my card was charged in the amount of {$100.00} by the XXXX XXXX XXXX In XXXX XXXXXXXX, Oklahoma. 

On a bill that I opened in XXXX, I became aware of this charge and reached out to CITIBANK GOVERNMENT CARD SERVICES on XX/XX/XXXX18 to inform them that I had not made this charge and never booked travel in XXXX XXXX, Oklahoma. I was sent an AFADAVIT to my government email, which is password protected and transmitted electronically using their XXXX form. I completed the AFADAVIT and returned it on XX/XX/XXXX. 

OnXX/XX/XXXX, I contacted CITI to get a status of my dispute, as my card was reported as delinquent. I also contact the XXXX XXXX XXXX accounting department, and they were unable to locate any information referencing my credit card number or a booking for that night. 

I was told that my AFFIDAVIT was never received. I resent my AFFIDAVIT via fax and email. 

On XX/XX/XXXX, I received an email confirmation that my AFFIDAVIT was received. 

On XX/XX/XXXX, my account was closed and suspended, and I incurred a XXXX late fee. 

I reached out to CITI on XX/XX/XXXX and was told that there were no record of the affidavit and that I need to reach out to the government travel office in order to get a refund. I contacted the government travel office who reported having no record of that hotel booking.

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 2020-07-09
Company: Experian Information Solutions 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:
I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK

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 2019-12-19
Company: AmeriHome Mortgage Company, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage has repeatedly failed to communicate with me in a timely/effective manner to notify that a payment was reversed. My account has sufficient funds and I have verified on their site that my information is correct. Trying to avoid a delinquent payment with them is like herding cats because of the ineptitude of their staff and lack of functionality aloft of their site and systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Direct deposit was not added to my card. Tried call ing NetSpend and XXXX and was told there was a glitch which unbeknownst me was happening for more than five days. No one contacted me as to the problem occurring which would have allowed me to contact my employer to not do direct deposit and find other means of recieving my paycheck. XXXX and NetSpend have disabled their phone lines preventing anyone experiencing problems with their cards from contacting them. My rent s due and my food supply us low. I need my money  now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I've called in 3 times to try and get a 2 month deferral due to several reasons. 1 being 3 time XXXX patient. 2. lost my boss to covid so ive lost my extra income. 3. family is struggling with covid. they say i'm maxed out. ive told them i cant make a payment until XX/XX/XXXX when i get my next social security XXXX check and even then it will only be for XXXX and i owe 2 months. I have XXXX and they keep calling even though ive explained i cant do anything until the XXXX. they are causing me XXXX XXXX. i've having a hard time just keeping going and not XXXX  myself these harassing calls arent making it better nor is the fact i know at this point they can repossess the car at any minute.

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