BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
more than 4 months i received collection form XX/XX/XXXX regarding my previous renter with collector company named Hunter Warfield for amount of {$1300.00} but i have 2 judgements against this i called XX/XX/XXXX and start dispute more than 7 times but no responds from them so i need to remove this collection from this company in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-10-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
HSBC locked me out of online banking due to a mobil check that was endorsed. The check was legitimate. They said they would close my account and mail out a check I have talked to 17 different representatives and 3 supervisors. No one can tell me anything. I tried to close the account myself and was willing to pay XXXX . They won't allow me to do that. Im on unemployment and cant pay my rent and am about to get evicted. I have read multiple news articles about numerous customers having the same issues. It took people 5 months before they they received their money. I cant wait that long. Please help me! I was directed to you guys by the multiple articles I have read with people going though the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau since XXXX and now we are on XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 via USPS certified mail. Unfortunately, as of today I have not received any response from Experian, XXXX  or XXXX. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did Experian, XXXX  and XXXX  receive my reinvestigation request/dispute letters on the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?

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 2020-05-31
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use the XXXX app which originally was linked to my PNCaccount. XXXX has made a change to their system and now my app cant connect to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Refused the opportunity to do an in-house FHA Streamline Refinance when I was eligible to do so in XX/XX/XXXX. The underwriters of the company, PHH, kept trying to insist that I had been late on my mortgage even though I paid within the grace period and was NEVER late. They had the records within their company showing such and I even offered to provide my credit report to validate my claim despite the fact that could go through their records and see it for themselves. I even had my Relationship Manager with the company send over a statement stating that I had never been late and was still denied the ability to refinance. 

I put my account in forbearance in XX/XX/XXXX following the fiasco following the denial under the impression that they were going to fix the issue on the underwriting side. At the time, I was told that the forbearance would not hinder me from being able to do the streamline refinance. Subsequently, I tried again to refinance the property in XX/XX/XXXX and removed the forbearance from my account at that time. Once again, my application was denied after a month of processing. When I inquired as to the reason why, I was informed that the forbearance then disqualified me from being able to do a streamline. 

Disappointed, I then called to do a conventional loan refinance with them again in XX/XX/XXXX. At that time, I was told that the forbearance was put back on my account despite the fact that I had it taken off in XXXX. This situation has now made it so that I can not refinance my home until XX/XX/XXXX despite the fact that I was eligible in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I set up a Coinbase account a little over a year ago and was locked out of my account with around {$50000.00} and an open trade position on XX/XX/2020, which is a month and a half ago as of writing this complaint. 

When I first noticed the issue, I tried calling Coinbase customer support and found that it was a recording that tells you to submit a request through their website as there was nobody to speak with. I submitted a request through the website on the same day ( XX/XX/2020 ). The only message I got back was an automated email saying their team was working on the issue. After several days of hearing nothing back, I tried responding to the email and received another automated email saying the case was closed and if I had further questions to submit another request through their website. There was no explanation and no access to my money. 

I submitted another request and had the same experience. Since the date my access to my money was cut off I have submitted around 15 requests, tried contacting numerous times on XXXX, XXXX, XXXX, etc. and all of my attempts to contact them have been ignored. I did some research online and I was shocked to find thousands of other people who are experiencing the same thing as I am, as well as they have received XXXX requests in 6 months from FBI, ICE and other agencies according to XXXX XXXX and many other reliable online sources. This is a link to one of many articles that I found https : XXXX This is literally the worst customer service experience I've ever had with any company. This money was my life saving and I have had to pay my bills with credit cards as I have no access to my money. This has put me in a very difficult situation financially. It's almost XXXX and I have a wife and XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Santander Consumer USA 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Santander Auto Loan is reporting inaccurate, misleading and false information to the credit bureaus regarding our Santander Auto Loan Balance. 

Account number : XXXX In Re ; XXXX  XXXX XXXX Subject : Fair Credit Reporting Act Violation, failure to correct billing and reporting misinformation to Bureaus. 

I have tried to resolve this issue and I was told I needed to send a letter I escalated the call and still nothing has been done to correct the billing or the misinformation to the credit bureaus. 

We have made our payments and we are upto date with extra payment on the account. However Santander Auto says we owe them a whole payment, that information is not accurate false misleading and is being reported to the credit bureaus. 

We are not behind on our car payments as a matter of fact we are ahead in these difficult times. Santander is not correcting the error and still chooses to report inaccurate misleading and faulty payments to our account. 

This is a major issue because it bears false light on our character and payment history and hinders or attempt to establish credit to purchase a home or other important necessity. 

I am therefore requesting a investigation into our account and need or credit report repaired because Santander Auto Loan is reporting false faulty information. 

And Santander is over charging us per month causing a hardship now and and at the end of the auto loan. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a bank of america checking, savings and cash rewards credit card. I closed my checking account with them because they took a double payment towards my credit card without my consent and left me without enough funds when I had bills to pay. This was early XX/XX/XXXX. I had in XX/XX/XXXXmoved to Ohio where there are no branches locally for me to visit to get resolution for their systems error that caused the overpayment. It took over a month for them to fix this issue, so I opened a XXXX XXXX Checking account in the town I live in now, in Ohio. My credit card with them stayed open for a while but Fraud happened on the card and I didn't realize it because I hadn't been using the card and I had a zero balance the last I used it. When I discovered the fraud I disputed it and money was owed back to me because my account was overpaid. It was shown that I had a negative balance on the card and interested and late fees accrued were removed. I resolved this issue and during the time the account was defrauded Bank of America closed my credit card account. The fraud department assured me that they would reopen the account after the investigated was completed but it never happened. My account remained closed and I had called in to see why and get this issue resolved. 
First, I spoke to XXXX in Texas, in customer service, he transferred me to Fraud dept and XXXX Spoke with me and said I had to call back on Monday the XX/XX/XXXX because the people I needed to speak to get my account re-opened were not there on weekends. Existing Fraud Claims Dept will need to be contacted by their Fraud and Authorization, is what he told me. XXXX felt that they will reopen the account for me, especially due to the circumstances surrounding the closing of my account, that should not have been closed in the first place. I spoke to their manager XXXX XXXX and he said he submitted for my account to be reopened. He said he would call me back by last Thursday, XX/XX/XXXX, to let me know the status of the request. He called me back and told me that Bank of America wouldn't open my account again and he apologized to me and offered no additional help. I then asked to speak to one of his superiors and he was unable to put me in touch with one but said that one would call me back in the next 2 to 3 business days. That is unacceptable to me because I can not guarantee that I can be available at all times to answer a call as I work full time and he had his supervisor available then but their policy doesn't allow for one to speak to a client immediately. I have been mishandled and mistreated by bank of America and I am very frustrated.

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 2020-05-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This message is for XXXX XXXX, I did receive your response on XX/XX/2020. And this is not about the previous complain filed but this is a new fresh complaint and this is regarding the bed, the previous one was for the recliner and the sofa. 

And this claim is {$1000.00}. I opened this claim on XX/XX/2020 and by now this should have been resolved. Please resolve it, otherwise I will have to go to the court regarding this and I am serious about it.

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 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is reporting Inquires that are unauthorize I did not give anybody permisson to run my credit I disputed with XXXX and they deleted them all

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 2019-02-26
Company: Navient Solutions, LLC.
State: CA
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 is calling mulultiple times.a day. When I speak with them they rush me off the phone or force me into forbearance. Loans have Tripled since I took them out and the interest is crippling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Southwest Recovery Services, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
called this company for several months they said they sent me a card swiped they didn't ask them to prove they sent it they didn't please take this off my credit report so I can go on with my life Please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: JPMORGAN CHASE & CO.
State: CA
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 XX/XX/XXXX, I noticed 25 fraudulent charges had posted to my Chase credit card account between XX/XX/XXXX and XX/XX/XXXX, totaling {$1900.00}. These charges were not authorized by me, nor did I receive any benefit from them. I reported them as fraudulent to Chase via phone that same day and they were removed from my account. <p> On XX/XX/XXXX, I noticed Chase re-posted all of the fraudulent charges back to my account and notified me that their investigation determined that the charges were valid because I benefitted from them. <p> On XX/XX/XXXX and XX/XX/XXXX I called Chase to dispute their finding and request any documentation related to their investigation. I was placed on hold several times for over 30 minutes and transferred to different departments. Neither call resulted in Chase forwarding documentation as requested. I similarly emailed their fraud department as suggested over five times with similar requests. No documentation has been received. <p> While waiting for Chase to send over their documentation, I began collecting my own evidence related to these charges in an effort to prove they were not made nor authorized by me, nor beneficial. For instance, one of the charges occurred at a XXXX XXXX on XX/XX/XXXX for {$83.00} at XXXX in XXXX , CA ( see attached ) by someone with the name XXXX . However, during this time, I was meeting with a patient in my home-city of XXXX XXXX, 380 miles away and can prove so.As I slowly collect other receipts from vendors, as Chase so far refuses to send me any of their documentation, I realize that many of the charges occurred during times when I was meeting with patients hundreds of miles away ( I am a XXXX ). <p> I have never spent anywhere near {$1900.00} on restaurants in a similar period, especially in locations far from my home. It is ridiculous that Chases fraud service did not detect nor notify me earlier of these charges. And it is also ridiculous that as a XXXX, during a pandemic, I have to waste my time fighting Chase over these clearly fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: JPMORGAN CHASE & CO.
State: FL
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:
Due to the fact that I am a victim of identity theft, I contacted the XXXX   credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask JPMorgan Chase Bank ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, Equifax has recently reported that these 2 unauthorized inquiries that are associated with the JPMorgan Chase Bank are still currently reporting on my Equifax credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am write for XXXX XXXX XXXX XXXX XXXX us sue him a cop delivered him civil used papers. To collect a debet he does n't have no money at all. We all ready talk to them they said send it to credit bureau ....

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 2020-05-27
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account, acct # XXXX, on XX/XX/2020 with the promise of a {$200.00} bonus for opening the account and funding it with {$25000.00}. I did this and then Discover Bank returned the deposits to my other banks. They deposited the {$200.00} bonus in my account on XX/XX/2020, but then I got an email to call the bank on XX/XX/2020. They closed my account and stole the {$200.00} bonus from me even though I completed their requirements. 
I would like your help in getting my {$200.00} bonus that I earned and they stole from me. 
Thank you kindly, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.

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