BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In mid-XXXX, XXXX, after conducting significant research, I applied for and was approved for an American Express ( AMEX ) Everyday card with a {$36000.00} credit limit. I chose this card because of 2 advertised provisions - 1. {$150.00} rebate after spending {$1000.00} ( not at issue at this time ) and the ability to balance transfer with no fee and no interest until XXXX, XXXX ( this is the provision at issue ). There was no indication that the transfer amount was limited to a dollar figure, but rather depended upon a review of relevant credit-worthy factors. It was the key provision I relied upon in securing the card. 

On XX/XX/XXXX, I contacted AMEX, to begin the process of transferring a balance. I had hoped to transfer @ {$35000.00}, but was told that my limit was {$7500.00}, based on a policy that was in effect until XX/XX/XXXX, but was changed as of that date. I eventually spoke/chatted with 4 separate AMEX employees and none could show me on their website or in the material they sent me notifying approval of any mention of a {$7500.00} limit. In fact, 2 acknowledged that the policy starting XX/XX/XXXX was in fact the same policy I relied on, that is - that any transfer amount would not be capped by an arbitrary number but by an analysis of my credit worthiness. I will provide the photos of the relevant portions of website and docs received from AMEX. 

In the best light for AMEX, they made a mistake by advertising a balance transfer policy that did not take effect until XX/XX/XXXX. To me, this is a classic Bait and Switch - Induce a financial decision based upon a promise that they never intended to comply with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Tribal Lending Enterprise, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Company has submitted payment to my bank account twice, I have called the company to set up payment arrangements and was told they will not set them up, I have to pay the installments as originally agreed upon. I explained to them I was having financial difficulty and would have to set up a different payment arrangement. upon which they said they would not do that and that collections would continue.

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 2020-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a travel insurance on XXXX XXXX, XXXX for {$140.00}, using Chase Credit card # XXXX. 
I cancelled our trip, and XXXX XXXX XXXX issued a refund. However, because this credit card is already closed, Chase bank returned funds back to the merchant bank on XXXX XXXX, XXXX. 
I received a letter from Chase Bank explaining what happened. ( see attached letter from Chase dated XXXX XXXX, XXXX ). 
XXXX XXXX XXXX can not locate refund of {$140.00} because Chase Bank misspelled two names and XXXX XXXX XXXX  could not trace the fecund. 
Chase Bank needs to correct the misspell to read as : 1. XXXX XXXX 2. XXXX XXXX XXXX I would like to see a resolution to this matter and finally get my refund Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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:
Upon Recieving a copy of my credit report i discover fraudulent accounts and inquiries on my credit report. I contacted the CFPB and FTC and followed the proper protocols put in place to file a identity theft report. list of fraudulent inquiries from equifax XXXX : XX/XX/XXXX XXXX FCU : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX Services XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have not signed an agreement with this creditor, thus is not the original creditor as i was never late this is a duplicate account US code 1692e False and Misleading Representations. US Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In 2019 my wife XXXX and I started a XXXX XXXX XXXX in XXXX, using Chase for our XXXX checking account and merchant services ( credit card point of sale. ) As our XXXX grew we went from a few hundred dollars a day sales to over {$5000.00} per three day week average. 

This month we moved into a larger location in XXXX, and on our first day XX/XX/XXXX we made {$12000.00} credit card sales. XX/XX/XXXX {$12000.00}. XX/XX/XXXX {$6500.00}. 

I noticed that week that the money hasn't gone to my checking account as it usually does. I called to register my concern Thursday XX/XX/XXXX. 

XXXX XXXX I spoke to someone in the risk management department that said it had to do with us having much more sales than previously. They said they were going over the transactions. 

The night of the XXXX we got an email saying that those first three days of XXXX all sales had been canceled. I have confirmed with some of my customers that they were not charged. 

The best Chase has managed to do is tell me to get all my customers to come back in and charge them again. While that would be embarrassing, I could do it for some of my repeat customers. However many of our customers walk in and buy something and I never see them again. Either way the implication that this is my responsibility is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had a remaining balance due to XXXX that was consolidated with a loan I had with XXXX sent to a collections agency I was contacted by this collections agency Trans Union, I paid XXXX to Trans Union to pay these Theo loans off. I spoke with XXXX XXXX at the company and they were to send documents to both loan holders that the loans are paid off. Only Illinois Student Loan Commission has remover the default from my credit and shows my payment paid. XXXX refuses to make any changes on my credit. And they still are trying to collect the same amount now from a different collection agency. This is ridiculous. My name is XXXX XXXX. My SS # is XXXX please help me clear this up with this loan causing problems with my credit scores I have paid this off and they refuse to allow me to pay off this loan. Yet will continue to report it delinquent.

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 2020-04-30
Company: Union Credit Corporation
State: GA
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 company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609.  This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: NJ
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 sold executed a sell order for XXXX Litecoin ( LTC ) from my account with Coinbase. The sell order was for a USD equivalent of {$1500.00} which was to be deposited via wire into my verified, personal bank account connected. The sell order status ( and associated wire ) are both reflected as 'completed ' on Coinbase, however ; I have not received the USD funds in either of my Coinbase or personal bank account. After checking with my personal bank to determine whether they may have rejected a wire and confirming that no wires were received, I submitted a support case to Coinbase on XXXX XXXX XXXX. The support case went unanswered for 17 days until on XXXX XXXX XXXX I received a message saying that the issue had been investigated and was being addressed, but without any details on the timeline for resolution. As of today, XXXX XXXX XXXX I have yet to receive the funds or any follow-up message regarding the path or timeline to resolution. My understanding is that Coinbase is a U.S. based entity with approval to operate under the oversight of state and federal regulators. With this being the case, I expect that customer support be sufficient to handle errors and resolve inquiries much faster than the nearly 30 days that this issue has remained outstanding ( and open within the Coinbase case system ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: SCA Collections, Inc.
State: SC
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:
The reponse was closed with explanation. There was explanation. Only to contact original debtor but I have No info for them and the debt not mine. Never been to that place. I would validation. Copied id ... Signature picture at the time. The reason for debt. Substantial evidence. The company you work for can get information from anyone who gives it meaning your company not safe. Anybody can walk in and be anybody. I wish to only contact with the company fradulently on my credit report. I need your companies proof. I have no knowledge of debt so why would you still have it there and would like this to be remove at once. I should have to contact any one else other than the company on my credit report. Your reporting for another company who has no knowledge of there own system. I wish this to be remove. Legal action will follow. My first time I complain I asked for validation. Not using that word but in that context for evidence. You gave me forwarding number to people who have no knowledge. After today I will report to XXXX XXXX XXXX. The company you work for and so called original debtor. Nothing shows me that the debt belongs to me.

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 2020-04-28
Company: Leap Credit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
the loan was paid off in XXXX and they just took {$1500.00} from my bank acct and the loan was paid the need to be

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX, I discovered an allotment of {$35.00} bi-weekly from my payroll ( with the U.S. Postal Service ) to PNC Bank. When I called the bank, the bank told me there was no record of this allotment. I cancelled this allotment on XX/XX/XXXX. I fell ill, and forgot about this problem. Recently, I ran across the printout from the Postal Service where I cancelled this allotment to PNC. I decided to pursue this inquiry, as I do not recall ever authorizing this allotment or withdrawing any money that went to PNC Bank. I provided PNC Bank with a copy of the allotment cancellation, which included the Routing Transit Number XXXX, Account Number XXXX, Account Type Savings and Amount {$35.00} bi-weekly. I sent this information to PNC Bank by certified mail. PNC Bank replied on XX/XX/XXXX stating they are " unable to locate an account on file at PNC Bank ''. Signed only by " PNC Bank Retail Operations ''. I don't know how many times the {$35.00} allotment went to PNC -- I didn't catch this allotment till XX/XX/XXXX. I don't know if there's been any fraud involved, but my money seems to have disappeared. I would appreciate it very much if you would investigate as I am not getting any cooperation from PNC Bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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 sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Navient Solutions, LLC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went to college and in the middle of going to college I I got XXXX. I had to stop attending college and could not defer my loans anymore due to the fact that I was XXXX after the XXXX. I was found officially XXXX by Social Security, and now I live on XXXX only. I have no way of paying back these loans. I have asked Navient for the dismissal paperwork due to official XXXX many times, but they wont send the papers, and will NOT consider loan forgiveness, and the statute of limitations is OUT from a lot of these loans now, its been 7 years for many of them, and I want them taken off my credit report! 
my private student lender ( Navient ) said I couldn't dismiss the loans I got. I have tried to get the paperwork from Navient, but they wont send it. the statute of limitations ( 7 years ) has run out on a lot of these loans, and they're still on my credit report. I want them removed now. all the credit monitoring sites still have them listed, and I cant find where to dispute the listings. I need help getting these removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to correct the accounts. BUT TransUnion has some internal block which they're claiming they can use to not correct the accounts because they feel they're above the law. When questioned why they're not accepting the Dispue Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, Bankruptcy Chapter 7 Discharged 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: Capio Partners, LLC
State: GA
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 company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609.  This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: Lending Club Corp
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company is reporting that my XXXX Payment of {$340.00} was 30 days late, which is incorrect. Then I see on their website that they have applied my XXXX payment to XXXX - which I have deferred. When I contacted them about the issue I was advised that it could take up to 60 days to correct. Unfortunately due to unforeseen issues I can not wait 60 days and need my credit report corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: Experian Information Solutions 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:
There are accounts on my credit report that are unauthorized and unverified

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