BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-22
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
coinbase are asking for a sms code but my phone is not receiving a code since they updated my number but the wrong number was updated so i want it to be reupdate to the System as XXXX im only XXXX that 's why my account was shut down i want to acsess my fund to another adress please update the number i want to acsess to my bitcoins i left and they are not responding or helping in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was sold to apply for a Home Equity line by Chase, Applicatication number '' XXXX XXXX XXXX XXXX : XXXX XXXX ( NMLS XXXX ) on XXXX/XXXX/XXXX when inquiring about the HELOC product. Phone call was represented to be recorded. Upon completion initially my wife had some errors on her credit report and I was told that I would be approved with the application in just my name. I fully explained my divorce in XXXX and the short sale ( s ) /charge off that took place as result. I also explained that my circumstance met the XXXX XXXX guidelines for an extenuating circumstance in that my credit before and after the divorce liquidation required was perfect, and that I had obtained conventional XXXX XXXX financing in XXXX. I was told by the NMLS licensed Chase employee ( XXXX XXXX ) that I just needed to submit the same documentation ( letter of explanation and copy of my divorce decree ) I did for my first mortgage. On XXXX XXXX, XXXX I received a message from the XXXX XXXX XXXX XXXX ( NMLS XXXX ) stating my application had been denied due to the short sales. Upon calling I asked when the file was underwritten and I was told that it was underwritten the prior day on XXXX/XXXX/XXXX. I immediately asked how they were to come to a credit decision prior to reviewing the documents surrounding the divorce that were sent on XXXX/XXXX/XXXX. XXXX apologized and said she would have the documents resubmitted for another decision. This was done and they again denied the file, completely contrary to what was represented by the licensed NMLS representative XXXX XXXX. I was given a false approval on a recorded line after giving all of the exact details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions Inc.
State: AL
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:
Experian has had 3 accounts in dispute status for over 60 days and have not deleted them and XXXX and XXXX have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Transunion and XXXX both have posted on my credit reports that companies XXXX, XXXX, XXXX XXXX XXXX XXXX have been paid late or not paid, as well as, closed on the creditors choice which is incorrect. I closed the accounts and have worked with XXXX XXXX XXXX since XXXX I have paid all accounts on time through XXXX. I have sent documentation and distributed to both credit bureaus more than once. Also, these accounts are ALL paid in full at this time. These accounts need to finally be corrected or removed due to the inaccuracies and refusal to correct.

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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted for a remote job position at XXXX via email, the email address the person or group of persons used was XXXX. The job position was XXXX XXXX XXXX was required to fill out a questionnaire about my knowledge and experience. I was later informed that I was selected for the position. I was sent XXXX checks to deposit to paying for office equipment to furnish my home office. After the amounts were in my bank account I was then instructed to pay XXXX vendors via XXXX and bank transfer. 

XXXX XXXX using the email address XXXX through XXXX and XXXX XXXX through check. 

Client name : XXXX XXXX Bank XXXX XXXX XXXX number : XXXX Routing number : XXXX Checking account XXXX check for {$4900.00} was received on XX/XX/2022 and deposited into my JPMORGAN Chase bank account. On XX/XX/2022 I was instructed to pay {$1800.00} to XXXX XXXX and {$3100.00} to XXXX XXXX. These amounts were sent XX/XX/2022 A second check was received XX/XX/2022 for {$4700.00}. On XX/XX/2022 I was instructed to pay {$1800.00} to XXXX XXXX and {$2900.00} to XXXX XXXX. These amounts were sent XX/XX/2022. 

On XX/XX/2022, after sending the payments to XXXX XXXX and XXXX XXXX, I was contacted by the Chase Bank. The bank personnel indicated that the transaction and situation seemed suspicious and that I should look further into it. I contacted XXXX via a phone number listed on their website. The representative informed me that they do not use email addresses XXXX, their email address would XXXX. 

I reported the issue to Chase Bank and XXXX. The Chase Bank indicated that they canceled the transactions done on XX/XX/2022 of {$1800.00} to XXXX XXXX via XXXX and {$2900.00} to XXXX XXXX to his bank account number. The transfer to XXXX sent on XX/XX/2022 would be cancelled. The XXXX transfer to XXXX XXXX sent on XX/XX/2022 had already gone through and they would not be able to cancel it but would try to dispute it. 

JP Morgan Chase Bank later indicated that the checks I received and deposited into my Chase Bank Account were found to not be genuine checks resulting in the amounts {$4900.00} and {$4700.00} being taken from my account. Chase Bank also indicated that no action will be taken to recover the {$1800.00} sent to XXXX XXXX on XX/XX/2022 and their inquiry into the issue was resolved. 

The amount of {$1800.00} transferred to XXXX XXXX through XXXX was not recovered by the bank. This is the transaction done through XXXX for which Im making a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hi, I am writing to you about my account. This credit card company XXXX XXXX XXXX is furnishing you wrong and incorrect information. They continue to update information trying to keep this account active so that it will continue to be on my credit report way past 7 years. At one point this account was deleted from my credit report XXXX in the past but reappeared back. I do not know how that happened but it did. According to FCRA, this is a violation. They seem to not report the same information to each credit bureaus. That alone is a violation of the FCRA. For an instant on my XXXX  report, they are reporting that my account was charge off on XX/XX/XXXX. On my XXXX report you are reporting it was charge off XX/XX/XXXX, and on Experian report, you reported it was charge off on XX/XX/XXXX but recently it was XXXX. This is one of their tactics to keep this account active pass 7 years. This account must be deleted off my credit report because of wrong and inaccurate information according to the FCRA Act. Please delete this account off my credit report and never to reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: OSG Group Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call today from a mediation service in California. XXXX XXXX XXXX # XXXX, XXXX, CA XXXX is the address. The number did not show up on the caller ID. The person I spoke with goes by the name of XXXX XXXX and claimed that they were hired by XXXX XXXX XXXX to collect a debt. They said that there were numerous complaints from XXXX and that they made several attempts to contact me. This is the first time I received any kind of phone calls about this. I asked him to send me documentations and information about the debt because I was not just going to authorize any kind of payments. He refused to give or send me any kind of information and stated that XXXX XXXX XXXX wasn't going to send information either. He then became abrasive and started threatening me stating that if I did not attempt to pay or make any arrangements that I would be getting sued and face criminal prosecution. So I said that I would make arrangements. He sent me an email through adobe acrobat sign to sign the documentations which came from a XXXX XXXX with Dispute Resolution Service. I have not signed anything. The statement states that I owe {$3200.00} but when I reached out to XXXX XXXX XXXX, they stated that I owe {$1400.00}. They told me that my account was sold to Debt Management Partners. I also called the CFPB and stated that it sounded like a scam.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-13
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Simply Checking and Statement Savings account at Fulton Bank end of XX/XX/2020. 
At that time, there was a {$200.00} bonus offer is for a new personal Checking account with direct deposits. 
The Statement Savings account also had a bonus of {$120.00} with a {$1000.00} deposit. 

After a wait of more than an hour, I had spoken to XXXX from XXXX County bank on XXXX. He had confirmed repeatedly that my accounts were registered for the promotions. Only after that confirmation, I had transferred funds into the account. I had asked the web reps several times to review the call records. 

I met all the requirements in XX/XX/2020, but never received a bonus on either account. 

Banks like these should not be allowed to operate with their fraudulent practices.

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 monetary relief
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX  XXXX {$6000.00} XXXX XXXX {$63.00} XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$1700.00} DEPTEDXXXX  XXXX {$720.00} DEPTEDXXXX   XXXX {$1700.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX  XXXX {$6000.00}

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 2017-12-04
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
While paying my XXXX mortgage payment online on XXXX/XXXX/XXXX, I noticed that it showed that I had 2 Fees that were added to my loan account for {$640.00} and {$85.00}, both labeled as Recording Fees. My loan modification was completed nearly 6 months ago and I have not been notified that any additional fees would be assessed. I called 4 times, was transferred to the Loan Modification department since the customer service representative explained that this is where the fee originated. Three times, I could hear someone pick up the line ( with voices in the background ) and hang up. I called back the 4th time and was asked if I filed for a Forbearance on my mortgage, which I replied No and was told that all of the lines were busy and I was assured that someone would call me back very soon. I had no confidence in this, since no one EVER calls me back from XXXX. Of course, I received no call back. I also checked my credit report and my loan account is in the status of " Affected by a natural disaster '' even though I have not claimed this with the mortgage company. I called again on the morning of XXXX/XXXX/XXXX and was again promised a callback from the loan modification department, which still has not happened. I called in the afternoon on XXXX/XXXX/XXXX and customer service connected me to the Loan Modification department and I was again, for the 6th time, hung up on. This service is appalling and beyond unacceptable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: ROYAL UNITED MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We went on XXXX XXXX last night to get more information about starting the process to refinance our home. Starting at XXXX am this morning, we have received 21 phone calls from a XXXX area code. After multiple calls, my husband picked up three times and requested to be removed from the call list. Calls still persisted and so I called a gentleman back ( who had previously left a message ) and told him to please remove us from ALL call lists for his company. He said he can take us off of most of the XXXX area code phones but that his company is " pretty persistent. '' 21 is an unacceptable number of calls for being from XXXX ( which is very early! ) to XXXX, and I consider it a form of harassment!

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 2018-04-12
Company: ACI Worldwide, Corp.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I attempted payment of {$5100.00} to XXXX on XX/XX/2018 for City of XXXX XXXX tax. My multiple attempts to use the free e-check option were denied. A customer service rep informed me that the e-payments were not possible to the City of XXXX at this time, but a fix is in process. I reluctantly chose to continue with a debit card even though there is a fee. After choosing the payment option of " Debit Card '', accepting the expected " convenience fee '' of {$5.00} and entering all required information, the error response was " enter valid card number ''. I tried several more times with the same result. I was on the phone with a second customer service rep and she told me that for debit cards with a chip, you need to choose the payment option of " Credit Card '' instead of " Debit Card ''. Notably, she stated that the XXXX system has " always been that way ''. With the rep on the phone I entered my information again using the same debit card, but selecting the " Credit Card '' option as instructed. This time the " convenience fee '' was {$120.00}. As I had been through this process several times previously with a stated {$5.00} fee for a debit card, I almost clicked through to complete the transaction. 
Clearly XXXX payment portal is designed to collect unjustified fees in the form of a percentage of the payment ( in this case 2.5 % ) for all debit cards with a chip, which must be processed as credit cards on their payment portal. In the case of my incomplete transaction, XXXX would have overcharged {$120.00} for the 'convenience fee '. There is no obvious indication on the payment portal that debit cards with chips must be treated as credit cards. It is my understanding that debit card fees can not be excessive and are in a different category from credit cards. I believe that XXXX is fraudulently charging excessive fees on debit card transactions by forcing the debit card with a chip to be reclassified as a credit card in order for the payment to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Chaplin & Papa, P.C.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I spoke with a representative by the name of XXXX at this location and she stated that I had a judgement of more than {$60000.00} for a default judgement that is not in the court system and has never been in the court system. This representative was very disrespectful and let me know that they could do what they wanted because I never showed up in court. I had been improperly served and will be disputing this in the general court system. She also stated that I not taking my responsibilities serious and is the cause of the balance happening. She also included that they can find me and garnish my work checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notice of amount owed to XXXX credit card from 2015 that I did not have. I was given a reference number and the four last numbers of credit card and name of collection company and outstanding balance owed. I called the collection company and asked for more information, to which I have not received. The amount asked for is {$4700.00}. The credit card is XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, Equifax received my claim, which disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report. 

The accounts that are being incorrectly reported are the following : 1 ) XXXX XXXX, account # : XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, balance : {$2200.00}, status : Charged Off. Incorrect last activity date. Incorrect high balance 2 )  XXXX XXXX XXXX account # : XXXX date open : XX/XX/XXXX, Date Closed : XX/XX/XXXX, balance : {$5200.00}, status : charged off. Incorrect last activity date. incorrect high balance. 

3 ) XXXX XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Date Closed : XX/XX/XXXX, balance : {$11000.00}, status : charged off. Incorrect last activity date. incorrect high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an XXXX rewards card from Barclay bank. Was sent a letter indicating that I had to mail the following items to them : drivers licens Social Security card and current utility bill. This provides anyone with the all the pieces of information to steal my identity. IN addition if I don't send it they will deny my card..and already affected my credit rating due to the hard inquiry.

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 2020-05-07
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I took out a lease in XX/XX/XXXX with American Honda Finance.all my payment were made on time with no issues. I completed the lease and returned it. I never received any documentation from American Honda notifying me over the mileage/ damage fees. I was made aware of it when they reported a late to my credit file I immediately called them to find out what it is they then informed me what it was for and paid right away. They have a late reported on this account a 30 day late in XX/XX/XXXX. This is not accurate since I was never made aware of these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MI
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:
Disputed in writing XX/XX/2022 via first class mail to all CRA regarding the accounts and they failed to repsond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Rocket Mortgage, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018 Quicken loans called me on the phone wanting to give me a loan for a home my wife and I am looking to purchase. I explained to them that I was already working with a lender and they ran a credit check on me without my permission. I immediately called the up and demanded it be removed at once. They kept on playing phone tag with me putting me on hold and transferring me with several different individuals. I explained to them that I was going to file a complaint with the FTC and I got the impression that they didn't care. This is the second time quicken loans did this to me the first time was in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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 recently took a look at my credit report and there are accounts listed that do not belong to me, I am a victim of identity theft

Company response to consumer: Closed with explanation