BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried buying tickets today ( XX/XX/17 ) to an event through a private seller and initiated a payment ( {$350.00} ) through my Chase banking account utilizing XXXX. Once the transfer was initiated, it was immediately clear that this was a fraud and that I wouldn't be receiving the tickets. 

I contacted XXXX to see if a stop payment could be placed on the transfer about 30 mins after realizing this was a fraud. They informed me that once the transfer was initiated through XXXX and accepted by the other party 's bank, there was nothing they can do. 

I contacted XXXX and was immediately referred back to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: CO
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 have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 
The account number is XXXX ( {$2300.00} )

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 2019-07-10
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase has locked my account and I have sent several message and contacted customer support several times. They say an account specialist is working on it. I waited 12 days and telephone support has not come up with an answer and my account can not be accessed. I have no idea when they will unlock my account. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EdFinancial Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nobody will listen. I've complained and disputed this information several times. 
Please quit validating this INCORRECT information with XXXX. 

Edfinancial is not reporting my history to XXXX   correctly. The other two bureaus are ok. 

1 : Edfinancial is reporting to XXXX  that I was current XX/XX/XXXX and XX/XX/XXXX. I WAS NOT CURRENT. 
No payment was made those months nor was I in forbearance or deferment. Refer to account history directly from Edfinancial ( attached ). 

2 : Because this account was negative when it was closed, Edfinancial needs to report a Date of Original Delinquency to XXXX. Right now, the date XXXX   is using is XX/XX/XXXX. THIS IS NOT RIGHT. 
The date of original delinquency should be XX/XX/XXXX as evidenced in the account history directly from Edfinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital System account number XXXX states that I owe {$8000.00}. I disputed this online through XXXX, XXXX, and XXXX. I received no validation information from them of the accuracy of this account that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
SEVERAL CREDIT CARD AND REVOLVING ACCOUNT DOES NOT SHOW ON MY REPORT THROUGH THIS AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XX/XX/XXXX CFPB, I am XXXX XXXX. XXXX. Navy Federal Credit Union is NOT in compliance with your " Cease and Desist-ORDER '' dated XX/XX/XXXX. I've negotiated with NFCU concerning my Visa Account ; with letters ; Messages on my account website and contacted NFCU's-Personal Finance Counselor. They won't negotiate lowering interest rate from 15.24 % to a much lower rate. I slowed use of NFCU by stopping/slowing withdrawals and use in XX/XX/XXXX. Now I get Harrassing texts onm cell phone and Blocking access to my Checking Account activity. Website shows Checking balance but Can't Open " Checking Account '' to view actual Deductions.

Gentlemen, I don't know what else to do!!!! 
They obviously continue to " VIOLATE '' your ODER. This is XXXX. What happened to Complance with " Your Order ''?

I need help to get this Visa Account to a manageable place! I will pay this debt but NFCU must have Targeted Me for some reason! 

I hope you review my Complaint. Communication and other banking issues are also present. Rogue Banking! No Compliance. No personal interaction with NFCU Members! 

Sincerely, XXXX XXXX. XXXX NFCU Member since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On the PNC mortgage website, I navigated to the option for changing my automatic payments. I increased the amount I pay them from {$2000.00} a month to {$2000.00} a month. Since I've done that, they are now taking out {$4000.00} per month from my account. On XX/XX/2021 PNC took out one mortgage payment for {$2000.00} and a 2nd payment for {$2000.00}. I called them and spoke with a representative. They refunded my money via a paper check 15 days after the incident had occurred. The representative was asked to remove the automatic payments in the future of the {$2000.00}. He said this was taken care of and that I would have no further instances of this happening. However, XX/XX/2021, I had the a payment withdrawn for {$2000.00}. On XX/XX/2021 an additional {$2000.00} was taken out of my account as well. I called them and told them they need to cancel the payment or wire the money to me because I am out of town and need the money. They refused and said it must be sent through paper check, again. This was supposed to be resolved when I called them around XX/XX/XXXX but they failed to fulfill my request and are continuing to withdraw double the amount I owe on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter dated XX/XX/2017 fromm IC System re account number XXXX. I asked IC system to validate debt and they were unable to do so therefore I am filing a complaint.

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 2019-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I signed up for Experian XXXX ; an on-line program that allows a consumer to pay {$14.00} to Experian and that allows a specific company with which the consumer wishes to conduct business to view the consumers credit rating info for free. 

I signed up ; my prospective tenant signed up ; she has paid the fee and when I log-in and press the " View Report '' tab ; the website states that Experian needs to verify that my email address is valid ( which you would thing they already know when I signed up and they sent me emails ). To do so, they will send me an email for me to then access their verification program ; after which I can then see my prospective tenant 's credit report! 

All that is fine except they NEVER send me the verification email and yes I have checked my Spam/Junk Email folder as well on multiple occasions for the last few days to no avail. 

On top of this ; try contacting Experian to either type, chat, or speak with an agent to resolve this matter! If you reach anyone ( surely no one with XXXX will speak with you because you can't get a phone number for XXXX ) they tell you it's an on-line part of their business and they can't help me! 

Please, just open your browser and type in Experian .anything! Contact Experian, discuss a problem with Experian, speak to someone at Experian, whatever and you will NOT be able to do so. 

They do want your SS # and zip code : why??? I am not looking for my credit report but even after giving it out, no human or any other option exists. Sounds easy? Try it! 

So they have tons of email accounts and on-line programs to seduce you into signing up for their services but never give you a method to communicate with them. 

I just want to see my prospective tenant 's credit report on Experian XXXX and they will not even communicate with 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 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXXmy boyfriend an I deposited {$1600.00} in a Bank of America ATM machine on XXXX XXXX and XXXX XXXX in the city of XXXX XXXX the time was between XXXX and XXXX the machine took my money an asked to confirm it was {$1600.00} I hit the confirm button and the machine started loading then it shot my arm card out and shut off. I stayed the machine for over and hour trying to get in touch with someone from Bank of America to find out what went wrong. They tell me their going to do an investigation. I needed that money to pay for an apartment I got approved for. Now I'm in jeopardy of losing the apartment if bank of America doesn't credit my account with the money I deposited

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 2020-10-08
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX - Their name is listed on my Experian Credit Report under Inquires - XX/XX/XXXX. I have called XXXX XXXX XXXX twice to inquire about this matter. Both times I called - recently on XX/XX/XXXX - I have been told from two different employees that XXXX  does not request or report ANY INFORMATION to the credit bureaus. How did it get on the report Experian?

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 2020-10-08
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2020, Equifax received my dispute of account number XXXX, { {$690.00} }, with agency number XXXX with Equifax XXXX I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing  Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have owned a Chase Ink Business Plus credit card for approximately 10 years and have been earning Chase Ultimate Rewards points during that entire time. When I went to check my Ultimate Rewards balance yesterday, I was denied access to the site. When I called Chase, they informed that my account was associated with a " government entity '' ( it is NOT ), and they therefore removed me from the Ultimate Rewards program. I was NEVER informed that I would be removed from Ultimate Rewards, so over the last 3-4 months I spent approximately {$10000.00} on my Chase Ink card with no rewards in return. Chase also proactively liquidated my rewards account. 

When I asked why this was done without informing me, the agent referenced a change of terms notification I received in XX/XX/XXXXthat would have informed me of this action. The change of terms notification, however, did no such thing. No mention of government entity, rewards, etc. When I asked to escalate the case to resolve it, I was told that it was too late -- I missed the deadline. Yes, a deadline I was never given. 

I believe this is a violation of UDAAP and potentially other regulations. I was misled into doing my spending on this credit card in return for rewards and have not been issued the rewards I deserved. 

Alas, my research indicates others have experienced this same issue with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Avant Credit Corporation
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/XXXX i was trying to get a personal loan from Avant.com XXXX/avnt i apply thru them because on their webpage they advertise that they dont affect the credit, but now in my credit shows the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Revolut Technologies Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Thru the Revolt bank app, I purchased {$80.00} worth of BCH but I only received {$57.00} worth of BCH. I contacted support thru chat in the app due to they do not have a customer care number. I explained to them what happened and they explained to me that there is a fee for the exchange. I understood the fee for the exchange which is usually  1 % to 5 %. I explained that I lost XXXX dollars in the exchange, which is 30 %, and how insane that is. I never heard back from them and I feel that I have had {$23.00} stolen from me. i've checked 4 exchange sites and i should of recieved XXXX BCH and i recieved XXXX BCH worth XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: PENTAGON FEDERAL CREDIT UNION
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: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019, I used my credit card to pay for my flight baggage. The credit card is marketed as reimbursing the first {$100.00} in qualifying airline   incidentals per calendar year on qualifying airlines. I overall spent {$60.00} for 2 bags, and this is my first time attempting to use this credit. The credit card terms state that it should take 2-4 weeks to be reimbursed. I called the credit card company first proactively to ensure that I would be reimbursed. I was assured that it takes time to post. Then, I called 2 more times after that when the credit did not post in the supposed time frame. I left roughly a week 's time between each call. Nobody has reached back out to me since my last call slightly over a week ago, nor have I seen an adjustment on my account. I have paid the outstanding balance in full and have complied with the terms and conditions.

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 2018-06-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, my TD Bank debit card was charged {$84.00} by XXXX XXXX in an unauthorized transaction. 

I immediately messaged TD Bank and asked them to deny the transaction and credit me the debited amount. 24 hours later I was messaged that I was required to go to a TD Bank branch and file a " Form XXXX '' I asked TD Bank to fax or email me the form to fill out ; they messaged me " no can do. '' I explained that I live 50 miles from the nearest TD Bank branch and that I am unable and unwilling to drive that distance. 24 hours later I was messaged to call the phone number to have a customer service person fill out the form for me. 

I tried calling the TD Bank phone line but on each of several attempts was told " the hold time is in excess of ten minutes. '' After my first hold went 20 minutes I hung up and messaged TD Bank again with this complaint. 

I have been a customer of TD Bank for many years. Although the folks who messaged me were in every way polite and respectful, they insisted this is the only way to dispute a transaction. Interestingly, XXXX XXXX has a link on every transaction to dispute it. 

I am still without the {$84.00}. 

Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 contacted the credit bureaus several times requesting they delete several items from my credit profile and they have failed to do so. I demanded that originally signed contracts be mailed to my address of record for all accounts that they have " verified '' and they have failed to do so. They are violating my rights as a consumer and hindering me from obtaining new credit which may cause me to seek legal counsel to resolve this matter. I demand these accounts be removed from my credit profile immediately.

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