BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019. Two fraudulent transfers were made from my JP Morgan Chase account ( ends with XXXX ). 

XXXX XXXX, 2019 XXXX with XXXX payment to XXXX XXXX XXXX JPMXXXX XXXX debit - {$750.00} XXXX XXXX, 2019 XXXX with XXXX payment to XXXX XXXX XXXX JPMXXXX XXXX debit - {$1100.00} We did not authorize the transfers and did not know who those recipients were. We closed Chase and filed a police report ( in XXXX CA ). The transfers made when my home computer and cable modem turned off. I received a letter from Chase saying that 'We found that transaction was processed correctly or was authorized '. Please help. 

Thank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is being reported inaccurately. I was never late on this account however it is being reported with repetitive 30-day marks which is a clear violation of the FCRA. 

I have disputed this account a few times and have asked for any proof or documentation that I was ever late but got no response from them which violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: C & M Associates Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call on a work phone in a co-workers office. They asked me for my name without introduction then began asking some personal information. I didn't provide anything I thought they could use to steal my identity but verified who was. I was then put on hold and connected to a male who began by asking me if his coworker explained the nature of the call. I told him no. He then told me that I had a debt that started at around {$1500.00} but was now {$3600.00}. He said it was from XXXX XXXX. I told him that I have never owned an account there. He said he wanted to get do to the bottom of things and figure out what was going on. He then asked me if I was divorced, if an ex-wife could have done this and if she ever did anything like this before. I told him yes she has and much worse. ( I have been in litigation for over 6 years with her and this case is a matter of public record. He could have looked it up. ) I asked him what his name was but he just continued talking. There was a lot of noise in the back ground and it was hard to understand him. I asked him if he was in a call center. His reply was his company has its own collections department. He told me that he would talk with the creditor and see if they would settle the debt because of my divorce. When he came back he said they would take the original balance of around {$1500.00}. I told him again that I never had that debt. He said that if I didn't settle he would begin the process. He then asked me if I lived at an address I resided at 26 yeas ago. He also said I would see my debt on my XXXX and XXXX   credit scores and it was my job to dispute it. since I didn't, I owed it. I told him that it wasn't there because id didn't exist. I told him to hold no while I check. I could hear him shifting the phone back and forth. I use XXXX XXXX to monitor my credit so I looked and sure enough nothing. I told him this. He said he didn't have the time to waste with arguing and hung up on me. I went back to my office and saw the same number on my phone. They left a message. XXXX XXXX was the name she went by and her phone number was XXXX ex XXXX. The name was c & m associates. I think this is a scam to scare people into giving them money and when they found out I monitor my credit they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a wire transfer to COINBSAE INC on XXXX XXXX, 2017 in the amount of USD XXXX. Below is the email that we received from COINBASE stating that our wire transfer will be sent back to my account in 3-5 business days. It been over 2 months and I have not yet received my money back. I have been to my bank and they requested wire recall three times and COINBASE bank did not respond to wire transfer recall despite they told us that they have rejected our wire. Here are the details of the wire transfer 

XX/XX/17	WT FED#XXXX XXXX XXXX  XXXX=COINBASE INC SRF# XXXX TRN#XXXX RFB#	 	$XXXX

On XXXX XXXX, 2017 at XXXX PST "Coinbase Support"  wrote:

Hi there,

Thanks for your interest in wiring funds to your Coinbase account.

We recently received a wire from a name that didnt match the name on your Coinbase account. Unfortunately, in these cases we are unable to accept the wire, so we will return the wire to the account it was sent from. This reversal process typically takes 3-5 business days, but may take longer.

I apologize for the frustration with this. To avoid any difficulty moving forward, please send future wires from an account that matches the name on your Coinbase account. Please feel free to try the wire again from a different account in your name.

Thanks for your understanding and patience, and for choosing Coinbase!

Thanks, 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 on XX/XX/2023,. Its been over a month you I have to receive any update from you.

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 2018-11-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient happened. 

Approx XXXX, a Navient employee convinced me to consolidate all of my law school loans ( all $ XXXX ) into the XXXX XXXX XXXX loan, telling me I would automatically be entered into the PSLF if I did. I later found out this was a lie, because my loans would be with XXXX XXXX if I had. And my loan balance has increased to $ XXXX. 

XX/XX/XXXX, I re-certified both my student loans with Navient : XXXX XXXX ( due on the XXXX of each month ) and XXXX ( due on the XXXX of each month ). My payments for XXXX XXXX drastically increased from XXXX {$390.00} to over {$500.00}. XXXX remained the same at {$81.00}. I kept getting e-mails to re-certify my XXXX loans or my payments would go up to {$300.00} beginning in XXXX, putting my total balance owed to Navient - and not counting my bar loan - to over $ 900/mo which greatly exceeds 15 % of my monthly discretionary income. 

I logged into the appropriate site and found that I re-certified in XX/XX/XXXXXXXX. No re-certification is necessary. Instead, what appeared to have happened was that Navient ignored that I re-certified for the second loan and erroneously sent the recertification notices and improperly charged me for my law school loans. 

On the afternoon of Friday, XX/XX/XXXX, I called Navient and spoke with XXXX XXXX. I told him the issues and that I can not afford the $ 900+/mo payment. He immediately gave platitudes and I told him to knock it off. I don't want platitudes. His solution was forbearance. I told him this was not a viable option. Then he suggested I roll my XXXX loan balance ( 2.5 % ) into my law school balance ( 6.0 % ) and that would get me a lower rate. I told him XXXX no. That benefits his company, not me. Why would I roll a lower interest rate loan into a higher one? 

He simply offered to research the issue, but recognized the issue as I described above : Navient failed to properly account for the re-certification.

On top of all this, just before calling, I enrolled from IBR to PAYE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Step 1 : What is this complaint about? This complaint is related to a problem with Transunion and XXXX displaying a public record ( bankruptcy ) inaccurately on my credit report.

Step 2 : What type of problem are you having? The problem is I reached out to U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, which is the issuer of data on my Transunion and XXXX credit report, to see how they receive information to put in my credit report. To my surprise, the courts informed me that they do not issue out information to the credit companies.

Step 3 : What happened? I then reached out to Transunion and XXXX disputing the item ( public record ) but their investigation resulted into a verification with the data issuer, but how can they say they verified it with the data issuer when the enclosed letter I have provided clearly states that they ( the court ) does not issue out information to credit companies. As a result, I froze my XXXX XXXX, XXXX, and XXXX accounts considering they are the leading providers in giving 3rd party information. Considering that this is reported inaccurately, I would love for you to have them remove the public record off of my XXXX  and Transunion credit Report.

Step 4 : What company is this complaint about? The companies I am complaining about or Transunion and XXXX, XXXX XXXX, XXXX, and others.

Step 5 : Who are the people involved? Myself XXXX XXXX XXXX and the employees of Transunion, XXXX, XXXX XXXX, XXXX, and XXXX. 

Please help me. This is terribly effecting my 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 2017-11-20
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 have to dispute the information on my credit report that has been on there for years and to no avail nothing was done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/2012 I was encouraged to consolidate my student loans after finished grad school. I had approx $ 40k in XXXX loans and over $ 250k in XXXX loans. I was told consolidating would be cheaper and more affordable payments. I did this and was given a loan through Sallie Mae, which is now served my Navient. I was not thoroughly educated on the interest rate or long implications of consolidation. At the time, my XXXX loans had a fairly low interest rate and payment of around $ 300/month. Perfectly manageable. My consolidation was $ XXXX and interest was set at nearly 8 %. I was making $ XXXX out of grand school. Standard payments on this would have been more than my salary. With the income driven repayment plan I now pay around $ 420/mo. My total loan balance has increased to over $ 450k in the 7 years Ive had the loan. The company has refused efforts made toward lowering the interest rate and with this gigantic balance I cant even afford payments if I tried to refinance the total amount of the loan with another lender. My husband is XXXX XXXX military, so moving has also made it hard for me to advance my wages. They do not take this into account. Furthermore, I am a physical therapist so I work in public healthcare. I was not told that you can only work for nonprofit etc to qualify for certain forgiveness. This is completely unfair, as I am still providing the same needed services to my patients and live in a rural area. I have discussed bankruptcy with an attorney but was advised against it, as I was told they would not likely qualify. At this rate, I will owe nearly a million dollars by the time the loan is done. I will never make this kind of money. What loan companies are doing is fraudulent and needs to be stopped if theres any hope of Americas youth wanting to pursue graduate education

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Southwest Business Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently modified my loan and was told the modification included all fees. The bank is now adding on late fees from prior to the modification telling me I am responsible for them. This violates the truth in lending laws. SWBC is the bank that holds my mortgage and that has violated the law. The modification was signed XXXX XXXX,2017.

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 2017-09-23
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am in the process of trying to buy a home. I had received an eviction letter from where i am currently renting so i reached out to American Express to see if it was possible to discuss payment options. I was advised by the representative that they would push my payment date back by 14 days and it would not report late on my credit report as long as i had paid it by the XXXX. It had reported late before the XXXX of this month. I reached out to American Express quite a few times on trying to get this resolved. I was provided 2 different numbers. The representatives mention they are going to try to help and the following numbers provided to me was a Credit Bureau Unit team - XXXX and the other number i think is customer service but it was XXXX. When i would call i was told that group could not assist me and to call the other number. I was getting bounced back and forth. I tried chatting online a few times about it as well and via social media but was advised to call those numbers. I did pay both of my cards in full before the XXXX which was the date that was advised by a rep i had chatted with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a domestic wire transfer to Coinbase Inc on XX/XX/XXXX 2018 for {$2500.00} from my verified and linked checking account. The funds have since been deducted from my checking account and show up as a past transfer. 

I have already completed numerous transactions using said account ( and linked debit card ) including a previous wire deposit not long ago ( which only took 1 business day ). 

Despite being more than 1 week later, the funds have not been made available in my corresponding Coinbase account. 

After opening a support ticket, I simply got a canned/generated response asking for the details of my transfer ( which were already included in the support ticket submitted ). This is simply a delay tactic in my eyes. 

This is an unacceptable procure of handing customer funds, especially given that the wire transfer was successfully sent 1 week ago and paying more for to have the funds available in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES XXXX, TRANSUNION, AND XXXX and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies XXXX TRANSUNION AND XXXX REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.

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 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX, I wrote a letter to XXXX/Dept of Education asking them to remove the late payment on my credit report on a good faith adjustment. They never responded to me. On XX/XX/XXXX, I wrote the first letter to Transunion to dispute my report as well as sent them the information showing that XXXX received my letter and documentation and never responded. When the investigation was completed, nothing had been changed. On XX/XX/XXXX, I wrote the second letter disputing my credit report based on false reporting. XXXX is reporting that I was current in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but 90 days late in XX/XX/XXXX. When I received notification that the investigation was completed, once again nothing had been changed. I am filing a complaint on Transunion. Based on the Fair Credit Reporting Act, they are responsible for reviewing the accuracy of the disputed item and that has not occurred.

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 2018-01-15
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I get a call from XXXX XXXX XXXX and the agent has a really thick XXXX accent and he was calling about two account. Account # 's XXXX and XXXX. He stated that I needed to pay these accounts in full or there will be no other advantages given if I did n't and the next option would to be to have my wages garnished and that the option was up to me. The guy was very rude and unprofessional. This is n't my first time dealing with Midland as they have a affiliate XXXX XXXX and I have went to court back in 2016 and fought them and won. I proved the last time to the judge about them harassing me and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently applied for and was approved for a PPP loan. The funds were deposited into my Capital One 360 checking account. Capital one have frozen ALL my accounts, even the account that i share with my wife, an account that is not used for my PPP money.

I called Capital One and they advised me that the SBA have asked them to investigate ALL PPP loans that come into their account, this is not true according to the SBA.

They asked me to send in my tax return, which i have done, I also sent in a copy of my SBA paperwork. They have told me that there is NO TIME LINE on how long my account will be frozen, it could be 6 months, and I will not be able to get ANY kind of update until they are done with their " investigation ''.

I want access to MY MONEY, IT IS NOT THEIRS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good afternoon, Can you please advise me on how I can file a complaint about an overcharge by XXXX XXXX  during my reinstatement on XX/XX/2017. The judge allowed XXXX in attorney fees and they charged me {$54000.00} plus {$5000.00} in committee fees and would not reinstate the loan at the final hour unless I paid that amount in full. The next day they were going to have an auction for the sale of the house so I was forced into paying that amount so I didn't lose the house that I owned for 20 years. I have reached out to the bank but they strung me along and refuse to pay me back. I just got a notice that XXXX XXXX sold the bank to Peoples United Bank. Both banks are located in Connecticut. This might be why they didn't feel it was necessary to pay me back. 

When you review the documents you can see they even charged the amount from the morning of XX/XX/2017 from XXXX to {$59000.00} Thank you in advance for your help with this unfortunate situation.

Company response to consumer: Closed with monetary relief