BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: NY
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 convenience check

Complaint:
I received an offer in the male From Chase United MileagePlus card for promotional balance transfer checks. The promotion included a zero interest through my X/2018 bill cycle. The fee was 2 % of the outstanding balance. I used checks for a total of {$25000.00} and paid the one-time fee of {$500.00}. I was not expecting to make any payments until my X/2018 statement cycle. Unfortunately, I learned this was not the case and I have to make a certain minimum monthly payment. The offer correspondence I received did not disclose this requirement ; it made no mention of any monthly minimum payment. I contacted Chase about this issue but received no help. They insisted the balance transfer offers are no different than a purchase and required a minimum monthly transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/2017 I was informed that my HELOC interest rate would be changing monthly. This is not the correct term of the loan. my rate is tied to prime is to to change annually in XX/XX/XXXX. I have called several times and they tell me that the research they did does not show that it is tied to the prime annually. It is very clear on the recorded mortgage that it is tied to prime annually. Also, the max rate is not 18 %. That needs to be looked into also. 

In XXXX I spoke to someone again and they said yes the loan has been set up in the system wrong and it is only supposed to change annually not monthly. We also talked about the affect the hurricane had on me making the payments. She was going to see if they could move the payments to the end of the loan and check on getting the loan terms corrected in the system. I never received a phone call or any documentation in the mail stating that the research had been done, rate change was fixed and a credit given for any overages, and no solution about the hardship during hurricane irma ( 2017 ). 

I continue to get past due letters. I am on a fixed income and am approaching 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 2022-01-18
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:
XXXX, XXXX and Transunion have furnished a credit profile without my verbal or written consent! I've demanded that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They cant produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. 
The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. 

Again this is a violation of my rights to privacy. They also are allowing companies to pull this report with my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report I never gave XXXX consent to create.

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 2017-07-28
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been overdrawn at TCF bank for a day and a half. They have charged me a total of {$380.00} in fees. The majority of which are for transactions that were made and pending before I became overdrawn. I called to complain and they would only credit back {$120.00} of the fees. I had only two transactions that caused me to be overdrawn. The original one that put me over and one automated payment that went through after that. By there own fee schedule that should total {$130.00} in fees ( {$28.00} for each day overdrawn and {$37.00} for each NSF ) Instead they have charged me {$380.00}. I see there is a lawsuit against them for these types of predatory fees. Please help me to get my stolen money back from them. This bank should not be able to get away with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-28
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My currency has been locked on the website and I have received no responses to my emails about it. There is a potential major change ( split ) in the currency coming up and they will not let me access it, even though they issued public statements to remove it from their website by a certain date. They will not allow the value be given to the users at all and wo n't allow its removal ( at least for me ). What they are doing/did seems criminal and if it is not, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
ON XX/XX/XXXX, IS THE ORIGINAL DATE OF WHEN I FIRST FILED WITH WELLS FARGO FRAUD DEPARTMENT. AN XXXXXXXX XXXX XXXX  XXXX WAS TAKEN OUT OF THE STREET MAILBOX LOCATED ON XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. THIS RESULTED IN BANK FRAUD. THE PAY TO THE ORDER OF NAME WAS REMOVED XXXX XXXX XXXX AND IT WAS REPLACED WITH A NEW NAME XXXX XXXX XXXX AN XXXX WAS THEN ADDED IN FRONT OF MY PAYMENT OF {$260.00} THEREFORE CHANGING IT TO {$8200.00}. IT WAS TAKEN TO XXXX XXXXXXXX XXXX AND CASHED. I HAVE A COPY OF THE CANCELED CHECK FROM MY BANK- WELLS FARGO. XX/XX/XXXX XXXX POLICE REPORT FILED CASE # XXXX. FBI REPORT ALSO FILED. IT HAS NOW BEEN OVER 78 DAYS AND I HAVE NOT BEEN REIMBURSED FOR THE AMOUNT OF {$8200.00}. WELLS FARGO IS STATING THAT THEY HAVE TO WAIT FOR XXXX  XXXX XXXX, WHO TOOK THE ALTERED CHECK, TO GET FUNDS BACK BEFORE THEY CAN REIMBURSE ME. I CONTACTED WELLS FARGO FRAUD DEPARTMENT AGAIN ON XX/XX/XXXX BECAUSE I STILL HAVE NOT HEARD BACK. THEY TOLD ME IF XXXX XXXXXXXX XXXX CAN NOT RETRIEVE THE FUNDS, WELLS FARGO WILL NOT BE ABLE TO REIMBURSE ME. I HAVE THEN LOST {$8200.00}. WITH THE CURRENT COVID SITUATION GOING ON, BUSINESS HAS BEEN DOWN. IT IS VERY DIFFICULT TO KEEP MY BUSINESS GOING WHILE WAITING FOR REIMBURSEMENT. THIS IS A VERY FRUSTRATING SITUATION. ANY ASSISTANCE 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 monetary relief
Consumer complaint received 2022-01-18
Company: EQUIFAX, 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:
XXXX, Equifax and XXXX have furnished a credit profile without my verbal or written consent! I've demanded that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They cant produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. 
The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. 

Again this is a violation of my rights to privacy. They also are allowing companies to pull this report with my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report I never gave XXXX consent to create.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use XXXX XXXX to help budget but PNC does not like to release my recent transaction reports to allow me to actually use XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am filing this complaint against USAA SAVING BANK on my own behalf, as a Federally Protected Consumer, without any connection or involvement with any third party. On XX/XX/XXXX, I mailed a validation of debt letter asking USAA to provide the following information within ten ( 10 ) days : 1 ) identity of the original creditor, 2 ) verification of their claim against my ( a sworn affidavit or a hand signed invoice ), 3 ) copies of the contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX, the natural person, and USAA, that prove I agreed to pay the alleged amount, and 4 ) validation of the alleged debt ( the actual accounting. ) I told them in my letter that if they were unable to provide the above information within the 10 day period, then the account must have a zeroed balance and left open in good standing so that it wouldn't cause anymore damage to my reputation. As of XX/XX/XXXX, it has been 14 days since USAA has received my letter, and I have not heard or received anything back besides my certified mail receipt that they did in fact receive my letter. I made copies of the documents I sent and have attached everything to this complaint : my certified mail receipts and the validation letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 status incorrect

Complaint:
Portfolio Recovery Associates LLC is fraudulently reporting an alleged debt on my credit report as being a Factoring Company Account which it is not. I have never entered into relationship or agreement with Portfolio Recovery Associates LLC at anytime or in any way. This is an attempt by them to skirt the FDCPA and is a violation of the FCRA and other applicable federal and state laws. According to the CFPB Consent Order File No. XXXX dated XX/XX/2015 Portfolio Recovery Associates LLC is a covered person and a debt collector and is subject to FDCPA. 

By fraudulent listing my account as Factoring Company Account they are making a false representation and committing gross fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: FinCo Services Inc DBA Current
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I made a transfer to my wives account of over {$4000.00} to purchase a car, we both had current accounts but they were both closed from this transfer. It was from a check from my totaled car. They suspended both accounts then closed them saying they were fraudulent activity. My wife 's account had over {$4000.00} in it and mine had over {$1000.00} in it, I do not remember exact numbers. My wife received the amount from her closed account but I have not received mine. I contacted current again and they stated that another check was sent out on XX/XX/XXXX, but yet again I have not received anything. I confirmed the address ( which is below ) XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NV XXXX They stated it would be 14 days but I have yet to receive this check and am now not hearing back from the support department regarding my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: MoneyLion Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MONEYLION INC. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off, collections, and late payments were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX, the original creditor closed this account in XXXX, XXXX. It was charged off as a bad debt, they sued me in court and a judgement/lien was placed against my home in XXXX XXXX PA XXXX. 

Suddenly, without notice. XXXX opened a new collection account in XXXX, XXXX. 

I was denied a loan in XXXX due to 2 charged off accounts and subsequent judgments - XXXX and XXXX  XXXX XXXX. I wanted the loan to pay off these judgements since my husband was XXXX of XXXX and I would need to remortgage the home in my own name. 

I feel it is illegal to reopen a charged off account - especially if judgments were already placed against my home. Isn't this double indemnity? 

Please consider this as an unfair practice - the debt has already affected my credit and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Information belongs to someone else

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX**** Collector : XXXX Original Creditor : XXXXXXXX Status : Unpaid Balance Amount : {$460.00}

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 2021-03-06
Company: ZIONS BANCORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company Amegy repeatedly mails notices that they cant verify hazard insurance after hazard insurance paid for and uploaded. After changing insurance companies and uploading new insurance, we always receive a notice from Amegy that we didnt have insurance for the period prior to changing companies. Have spent 6+ total hours on phone with representatives regarding this issue. Eventually Amegy bank used escrow money for lender-purchased insurance ( now we have dual insurance, since were already insured ) and wont refund the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY.IGNORED CEASE AND DESIST AND AND DON'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL (GOT PROOF).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Two months ago I contacted TransUnion about the following fraudulent accounts XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14.00} ), PORTFOLIO XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ) and to this day they have not responded to my dispute as they are required by the Federal Law.

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 2019-07-30
Company: EQUIFAX, INC.
State: NC
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:
Equifax charged me {$11.00} for a credit report. The credit score was not included. I called Equifax and they want to charge me another {$7.00} for my credit score. They were not able to direct me as to how to retrieve this online and could only take my payment over the phone and mail me the credit SCORE only. There is no clear directions or disclaimer on the their website stating the credit REPORT does NOT include the credit score. This is fraudulent, and further mitigated by the fact they were not receptive to refunding the {$11.00} and then allowing me to pay the {$7.00} to get my credit SCORE, or at least just verbally telling me my score over the phone since I already paid for the report. This was all catalyze by the fact they sent my bank the wrong credit score ( 100 pts lower than actual ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've requested the credit bureaus to do an investigation regarding incorrect and misleading items that are reporting on my credit reports. My first correspondence was sent out the XX/XX/2020. I did not receive any updates on the status of my investigation at all. I also didn't receive an updated credit report with results. My request was completely ignored. I then sent out another letter to the credit bureaus on XX/XX/2020 notifying them that I haven't received any update in the past 60 days and my request was ignored.

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 2021-03-24
Company: JPMORGAN CHASE & CO.
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: Public record information inaccurate

Complaint:
I used the " Secure Message '' feature on their online system to ask Chase to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages ( times and dates show ) along with screen shots of when they did the hard inquiry.

Company response to consumer: Closed with non-monetary relief