BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
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 information incorrect

Complaint:
I am writing because of equifax non compliance procedure in regards to a inaccurate account XXXX XXXX XXXX Mortgage they continue to report and dont fix. I am beyond exhausted on trying to challenge this item and they not comply making it unfair to me and my future credit opportunities because of their inaccurate reporting. XX/XX/XXXX I challenged this item with equifax because they were reporting this account as a foreclosure but they reported this account still open. they reported the date of last payment XX/XX/XXXX but the account was reporting open. they reported a {$0.00} past due and balance but still open and showing as derogatory. XXXX XXXX reporting guidelines states that a redeemed foreclosure must be reported as paid. fast foward to XX/XX/XXXX XXXX I got a updated credit report on my credit monitoring because I can't rely on them sending me any updates regarding my challenge letter. absolutely nothing changed but the reported date that changed XX/XX/XXXX. to my understanding the reported date field indicates that's when the furnisher has verified all reporting information as accurate. if that is so then why are the same exact errors continuing to report? this account is not open. once foreclosed the account must be considered closed. if the furnisher was able to verify all reporting information as accurate then why is their reporting fields missing causing the account to not only be inaccurate but also incomplete. to my understanding when the credit reporting agencies prepare a consumers report they must follow procedures be sure that every reporting field is of maximum accuracy. these blatant errors are proof equifax is in non compliance and its not fair for me to be getting denied credit because of these errors. their improper procedures are causing my credit score and report actual damages and defaming my character and credit worthiness. I have given them a chance to fix these errors and they do not comply nor respond as they are required to do. attached find proof of their updated inaccurate reporting from my XX/XX/XXXX report. im not even going to begin how many inconsistencies I see between XXXX and equifax so ill let you be the judge when you view my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Note : This is NOT a duplicate of any previous complaint. 

It is the next logical complaint in the sequence created by Santander policy of claiming to respond to a complaint, while in fact failing to respond to the complaint, in violation of applicable law. 

The most recently discovered damage caused by Santander, inXX/XX/XXXX consists of {$90000.00} of additional mortgage loan costs caused by agency reporting of credit by Santander. Note that the accuracy and/or lack thereof of what is being reported is irrelevant, and not at issue. The only issue of relevance is the financial damage caused by such reporting. 

Additionally, by its own admission in its " response '' to the previously filed complaint, Santander has failed to report the as- agreed and timely payments for XXXX XXXX and XXXX XXXX as current and favorable in reporting of tradelines to agencies. This constitutes fraudulent solicitation of a payment on the part of Santander, as their customer login clearly reflected those amounts and due dates, and recorded them on those dates for those amounts in payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: U.S. BANCORP
State: NC
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:
I did not consent to, authorize, or benefit from the above-mentioned inquiries and I ask that they be removed immediately from my credit file : 1. XXXX  XXXX  XXXX  on XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX XXXX I sold Ethereum, Litecoin, and Bitcoin for USD to be wired into my US bank account via the company Coinbase (www.coinbase.com). There was a statement saying there was a delay in withdrawals and it could take up to 10 business days to receive my money. It is now XXXX XXXX, and I still have not received my money. The status on coinbase for these transactions says "complete", however no money has been received. Created a support ticket with coinbase XXXX XXXX, and have not heard back yet.XXXX Bitcoin sold for XXXX USD. Coinbase reference code - XXXXXXXX Ethereum sold for XXXX USD. Coinbase reference code - XXXXXXXX Litecoin sold for XXXX USD. Coinbase reference code - XXXXThese should come in as 3 separate direct deposits for a grand total of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I transferred money from my PayPal to my XXXX bank account. PayPal said the transaction was complete but my money never showed up in my bank account. The amount is XXXX They have basically told me the transaction is complete and cant do anything else! My bank has done every investigation possible and can not locate the money PayPal says they released to my bank. 
PayPal will not do anything to help locate the money or work with me to figure out where my money is. Im still missing my XXXX and all they say is the money was put into my bank account which is NOT TRUE .. no money went into my account. I have sent numerous messages to PayPal and received replies that nothing can be done. PayPal phone representives are not taking calls so communication is through messaging on the App only! 
This is a lot of money and it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a Credit Line opened with Chase, I had not been late on my Credit card before, I had a Separation and attempting to make my payments. As soon as the first payment was not made, Chase closed my Online access and was not able to continue to make payments. I called numerous times and discuss with CHASE how do you want me to make payments if I do not have access to the account I have establish online? So, time has passed now and the Account has been sold. Chase has violated access to the account to see where payment is being applied to. I have other credit cards that I have and continued to make my payments even thru my hardship. I need help, regarding the Laws to protect consumers from Big Banks cutting access to the account to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
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:
I was part of the Equifax credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have New and Updated information about Amcol Systems LLC Amcol is violating my federally protected rights as a consumer. I asked them for an audit trail along with any HIPPA authorization. They sent back statements with personal medical procedures, which is irrelevant to what I asked for. I have the rights to an proper investigation which Amcol has failed to do so in 30 days, the alleged amount of the alleged debt keeps changing. 
They are also in violation of my rights to cease and desist all communication from all Mediums, they are still reporting on my consumer report and contacted me after asked not to do so. 
I also sent an Affidavit and a notice to cure that they have failed to respond to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried logging into my account during work and could not log in. I called into Navy Federal to see what was going on with my account and why I could not log in. I was advised that my account had been compromised online and that there was a mobile deposit made to my checking account which raised the suspicion of the XXXX Department at Navy Federal. I was told I could not bank with Navy Federal again until the issue is resolved which is against the law since I am truly a victim of identity theft. I can not be denied an account that I did not commit fraud on, which again is against the law. I will be getting my lawyer involved if this issue is not resolved. I have been a member with Navy Federal since 2018 and have never committed any fraud or missed any payments/deposited suspicious funds into my checking account. I highly believe my information may have been hacked somehow. I would like this resolved immediately please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Northstar Location Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been having numerous calls from Northstar Location services regarding a debt that is not mine. Somehow they obtained my phone number but they are calling about a debt that belongs to someone else. They have not mailed me any information regarding a debt owed. My guess is that it is for someone else with the same last name but they have been unwilling to research that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection company put a XXXX collection account on my credit report on XX/XX/XXXX. The amount is {$290.00} plus some interests. However I should not owe this bill. 

The original creditor of this bill was from a doctor who treated me in XX/XX/XXXX. The original bill was {$510.00}. The fact was that my insurance already PAID that bill. Because this doctor is in network ( based on explanation of benefits from insurance company ), my insurance paid it at a discount rate at {$210.00} ( in network rate ), and I got claims from insurance company that explicitly said I owe NOTHING for this bill. All the supporting documents are in attachment. 

I have good insurance. I was in the hospital because of emergency. XXXX day after I was in hospital, my insurance called me and said that all my bills should be covered because it was an emergency situation. 

It turned out that doctor still charged me the rest of bill even if my insurance paid it, and they didn't recognize the discount rate for in network provider. They should contact my insurance company for the deal between them. 

Even worse, I didn't get the bill in time and when I found out this bill, it was already on my credit report. I didn't have enough time to handle this bill before it was on my credit report. By the time I got called from collection company, I paid this bill by myself immediately because I was so nervous and surprised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Green & Sons Agency, Inc.
State: UT
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:
Outsource receivable is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: NATIONAL ASSET MORTGAGE, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA : XXXX. XXXX 'S letter informed me that they had assigned my mortgage to National Asset Mortgage effective XXXX XXXX, XXXX. Also that the law required them to give me such notice at least 15 days before the effective closing date. Similarly the law requires the new servicer to give me/us the same notice. XXXX said they would cease servicing my mortgage effective XXXX XXXX, XXXX and that National Asset would begin servicing my mortgage effective XXXX XXXX, XXXX. As of this writing, I have n't received such notice from National Asset Mortgage.

I first phoned National Asset Mortgage at XXXX & XXXX. on Monday XXXX XXXX, XXXX and I spoke to XXXX who gave me XXXX of Customer Service at XXXX. I called seeking verification that they were now servicing my mortgage and if so to secure a new loan number and more critically that they are in fact the new servicer of my mortgage.. They could not find me in their system and asked that I call back Friday, XXXX XXXX, XXXX. I since called back at XXXX. XXXX XXXX, XXXX, XXXX. & XXXX XXXX XXXX, XXXX and they yet ca n't find me in their system. XXXX said that my payment due XXXX XXXX, XXXX is not late until XXXX XXXX. Then on yesterday, XXXX XXXX, XXXX XXXX of National Asset Mortgage phoned me asking me about my delinquent payments. Again I told him that it is critical that I have a loan number and even more critical that I have legally required notice from National Asset Mortgage stating that they are now the servicer of my mortgage. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: IL
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/XXXX, I was approved for the XXXX ( now XXXX XXXX ) card from the Amex website ( when logged into my account ). It blatantly advertised 75,000 points after {$3000.00} of spending of the first 3 months. There is " lifetime '' language on the terms and conditions of the card that it's for new customers of this card ( I've never had this card before ). I also didn't receive a pop-up from Amex saying I'm not eligible for this offer, something that Amex has been known to do if they target you as not a profitable customer.

After spending over {$3000.00} dollars on this card, I called Amex to see when my points would post. The woman on the other line said tepidly that Amex will not be upholding their promotional offer for me. 

This is very misleading and fraudulent from the customer 's perspective because Amex did not uphold their promotional offer, which is a promise that they will be awarding the customer a certain offer after a pre-determined amount of spending. THIS IS MONEY I COULD HAVE SPENT ON ANYTHING ELSE, and Amex could have TOLD ME UPFRONT that they will not be honoring their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been for weeks asking assistance due to the hurricane Irma so that one of my payments can be placed at the end of the lease and after having multiple conversations with several representatives of XXXX XXXX, I have arrived to the conclusion that they have made fun of me. They told me that they had already submitted the request for the approval of such assistance, days later on some other conversations I was told that the assistance had already been approved and that there was nothing to be worried about because all was current and in order with the account. Yesterday, I got a letter from XXXX XXXX reflecting still a due amount not corresponding to the supposedly new approved schedule of payments and today I called them out and was told that the request for assistance with one payment at the end of the lease due to special circumstances of hurricane Irma had never been created nor submitted. This is a total lack of respect to consumers which is by the way a pattern with XXXX XXXX due to the their abusive and predatory practices on a regular basis plus the excessive charges and fees that they charge to their costumers constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2017-07-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase was asked to remove my data from their Data Matching Program, stop levies against my account and property and stop participating in the child support collections activities for profit. ( Please see letter dated XX/XX/2019 and please see attachments in PDF as uploaded 30 pages total. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company response to consumer: Closed with non-monetary relief