BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX I used the zelle feature offer through my financial institution mobile app to send {$700.00} to purchase a puppy from a website called XXXX. The money was sent to XXXX XXXX associated with telephone number XXXX. {$500.00} was for the purchase of the puppy and {$200.00} was said to pay for the flight to fly the puppy to me. Upon making the payment I did receive confirmation from XXXX that the payment was received and that the puppy would be given a vet check and then a carrier services/XXXX XXXX  would be handling the flight and delivery everything to this point seemed legit. On XX/XX/20 I then received phone calls/text messages from a individual from XXXX who said they were the pet carrier agency that would be handling the flight and delivery of the puppy, but asked the we send {$1200.00} for insurance and that the money would be refunded once the puppy was delivered. This didnt make any sense and the person we were speaking too could not provide me their email address or company website. I told them that we didnt have that money nor were we prepared to pay that and I would need to figure something out. They also sent an e-mail from XXXX confirming the same information. We were never advised by XXXX XXXX that we would have to pay this fee in order to get the puppy nor do I have that amount of money to pay even if it would be refunded. I then reached out to XXXX to ask for a refund since I would not be able to pay the {$1200.00}. She responded that she already paid for the flight and would not give a refund. I asked for proof of the flight payment and advised that if the flight was already purchased that I would just like the refund for the puppy. She has now stopped responding to my text messages and calls. I submitted a request to XXXX through XXXX to request a refund which she did not respond to. I called my financial institution Chase Bank to request assistance in filing a fraud case and was advised that they can not help since I authorized the payment and payments through XXXX are not guarantee. I don't agree with that. XXXX is an option they offer through their mobile application its not a sight that I am using outside of my banking how can they do nothing knowing that this is fraud. Additionally if they are now aware that this person is fraud, why can they not contact the other financial institution so they are aware or to at least try to get a refund on my behalf. I feel this is unfair practices to offer a payment option they do not guarantee or provide any assistance to help recover my money. I am a XXXX XXXX XXXX student who is now out {$700.00} that I can not afford and no one will help me. THIS is FRAUD. Can someone please help me? How can Banks offer this payment option and do nothing to help?? If the Banks can not help, shouldn't there be some liability on XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received trial modification agreement from Mr. Cooper made 2 trial payments to Mr. Cooper, last payment was made on line per their written instructions. The payment posted to my account on Mr. Cooper website but the funds were not withdrawn from my account. Mr. Cooper sent me a letter canceling the modification trial period stating I defaulted on my payments. I was instructed to resubmit the modification request to stop the foreclosure sale of my home. The mortgage modification request has been submitted per Mr. Cooper. Mr. Cooper has collected funds for the trial but you are trying to foreclose on my home. XX/XX/XXXX, XXXXSpoke with XXXX, Ext # : XXXX with Mr. Cooper, I advised that I was calling to inquire about trial payments because payments were still in my account. He stated that Mr. Copper system show I paid for XXXX, XXXX and they were waiting on XXXX,. He's not sure what Mrs. XXXX was looking at but they have received her trial payments Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a notification from XXXX Credit monitoring that a collections account has been placed in my file. Paragon Revenue Group had opened two collections accounts one in the amount of {$3200.00} and a second for {$230.00}. At no point have I ever received notification from Paragon Revenue Group, either via the phone or through the mail, that I have any outstanding debt with any medical provider, furthermore I have not had any treatment or service outside of a single routine doctors visit in the past 14 months, for which there is no outstanding balance. 
I have written to Paragon Revenue Group, at an address that I found online, requesting validation and removal of these collections. Given that I have never had any correspondence with Paragon Revenue Group, or anyone else, I do not have account numbers or other information in which I can base this validation request on beyond my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis is reporting public information without providing verification resulting in violating my privacy rights. The courts do not report bankruptcies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We have an XXXX XXXX account with a Chase credit card associated with the account. Chase apparently added someone to our account without our permission resulting in a volume of fraudulent charges. Chase admitted to their mistake of adding someone to our account. We have been working with the bank to resolve the issue. The bank said we were a victim of identity theft and turned the matter over to their fraud department. The fraud department was investigating and at the same time the bank reported us to the credit bureaus for being late on our payment. When I call the bank I keep getting passed from Customer Service to Fraud to Credit Reporting and no one will take responsibility at the bank to resolve this matter. The bank made the mistake, billed us for charges that resulted from their mistake of adding someone to our account and then reported us to the credit bureau, adversely effecting our credit while we in process of financing a new home. To make matters worse the bank sent us a letter expressing their concerns and is now trying to sell us an Identity Theft Tool Kit through the credit bureaus. I have spent no less than 10 hours, mostly on hold, being transferred between departments at Chase and have had zero resolution. I have no issue making a payment but I should not be paying for charges that were because of the bank 's error and the bank certainly should not have the ability to report me to the credit bureau 's after their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: IL
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:
After sending information to verify myself with my disputes XX/XX/2018, XXXX, Experian, & XXXX has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail.

If a response was sent, can they please be resent?

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 2020-05-18
Company: EQUIFAX, 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 have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with XXXX and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit. 

Credit history is reporting that it is only XXXX years old. However, I have accounts such as XXXX XXXX that reports an open account for XXXX years and 4 years.

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 2020-05-27
Company: EQUIFAX, 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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$220.00} XXXX   XXXX {$2700.00} XXXX  XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
My first complaint no. XXXX was closed by the company without a satisfactory solution. 
Coinbase received around XXXX BTC of mine from my XXXX  XXXX  in XX/XX/XXXX. 
The above amount never showed up on my Coinbase account, even though the transaction on the relevant blockchain proves that the money was transferred to Coinbase. 
In other words, Coinbase still owes me at today ( XXXX, 2021 ) about {$170000.00}, but they don't seem to care. 
Consumer protection should mean resolving these types of problems in a timely manner while considering the burdens and distress caused to the customers. 
I really wonder how much Coinbase cares about its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Saturday, XXXX XXXX I was a victim of fraud on my Iberia Bank debit card. I had the card with me while I was reporting the fraudulent charges. I immediately contacted the customer service line and reported the three charges ( total {$1100.00} ). It appears that Iberia bank sent me a new card in the mail and somehow the new card was intercepted in the mail. The representative told me that I would get a call from the bank within 48 hours. I never received a call from the bank so I contacted the bank and was told that I would get a call from the Fraud department. On Thursday, XX/XX/2020 I called again and was told that they did not have in their file my report of fraud from Saturday. They claim they only blocked my card on Saturday for any future use but did not have any information about the 3 fraudulent charges. At that time, I reported the 3 charges to the bank representative and I also immediately responded to a Fraud text that I received ( see attached fraud text ). He later sent me a form I had to sign reflecting the disputed charges and said I would hear back from the bank after their investigation. The very next day, I received an email stating that the bank denied my claim for fraud because they claim that my PIN number was used. I have never given my PIN number to anyone. How can they deny the claim without conducting a thorough investigation? I don't understand how they can deny this claim as fraud was definitely committed! I did everything I could to report the fraud immediately and stop my card from further use. I did not make these charges!! Do they know who did? Where are the videotapes of the transactions? What do I need to do to get my funds back in my account? I believe the bank has been unfair and is entirely responsible for this fraud as I never received the new card they sent me and this is the card that was somehow intercepted in the mail. Your assistance in this matter is appreciated.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In 2018 I entered into an agreement to attend classes at a professional development school. After attending a couple classes I was not satisfied with the school and withdrew from attendance. The course was valued at approx. {$10000.00}. I agreed to an ACH withdrawal for the monthly payments of the costs of the classes. 
After withdrawing from the courses, the school continued to attempt the ACH debits which were disputed with the bank and refunded. 
More than a year passed with no contact from the school until I received an alert that a negative account had been reported on all 3 of the national credit reporting agencies. The school reported that my account was over 120 days past due. 
I disputed the negative item with all three agencies. The school responded to the disputes stating the debt was valid. The disputes were closed and the negative item remains. 
The reporting agencies advised that the only other recourse was to contact the creditor for resolution. When I contacted them I was told that they were not interested in discussing the matter further ; that the only resolution was to make payments and bring the account current. I advised that no further payments would ever be made, that I would no longer be attending classes there was no reason to pay. 
The next week I received another negative item alert from all three agencies that the account from the school was listed as charged off. Taking yet another major hit to my FICO score. 
None of the agencies or the school has offered any path to resolving this problem.

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 2019-03-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is incorrectly reporting me 120 days past due on the XXXX, partial account number XXXX, reflecting a {$0.00} balance and {$0.00} past due amount. This negative reporting is hurting my credit score. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Greetings I have initiated a dispute with EQUIFAX to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my EQUIFAX credit report. 

Reporting Inquiry : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

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 2020-05-18
Company: Experian Information Solutions 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$220.00} XXXX XXXX XXXX XXXX {$100.00} US DEPT EDXXXX {$3300.00}

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 2020-05-18
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$220.00} XXXX  XXXX XXXX XXXX {$100.00} US DEPT EDXXXX {$3300.00}

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