BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i keep getting phone calls about my current debt i have none. I called them back when i missed and they claim a telemarketer hijacked their outbound line and are using it. they know nothing about calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: MI
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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: WA
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:
Experian shows a Mortgage Account XXXXXXXX XXXX XXXX as open and with a balance. Account paid off XXXX XX/XX/2020. Made dispute with Experian, said account remains open and correct. XXXX XXXX Shown on XXXX XXXX and XXXX as paid in full and account closed.

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 2019-09-04
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I took out student loans in year XX/XX/XXXX to enroll in XXXX XXXX of XXXX XXXX Washington. I was XXXX years old and was  promised an education that would ensure financial security in order to repay the loans. I was promised opportunities to meet with people in the field for which I was studying to get in to and job fairs to meet with potential employers. No employers showed up to any job fairs even though we students did. It wasn't until I went to continue my education elsewhere that I learned they weren't acredited and I would have to start over even though I was several 10 's of thousands in debt. I've never had employment in my field of study. XXXX XXXX has since been shut down for preditory behavior regarding student loans and falsifying information to coerse naive students into obtaining loans for their for-profit schools. I have reached out to my student loan servicer for information regarding recent litigation on my loan. I've made attempts at repayment to one servicer only to be contacted by another claiming they held my loan. I don't even know who holds my loan currently or if I qualify for any of the loan forgiveness ordered by recent litigation. I've contacted FedLoan who has sent me the most recent statement asking for information, only to be told to contact the department if education ( which their paperwork claims to be apart of ) and was given a disconnected number. I do not feel that I should be held responsible for repayment of a loan to a school that was found to be a fraud as they already took 2 years of my life in hard work to pass their meaningless classes to get degrees nobody will recognize. Im attaching a photo of a statement from FedLoan that states the loan was dispersed XX/XX/XXXX which is 18 years after the initial loan. Im also attaching documentation of my attendence to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
XX/XX/2017, I XXXX XXXX cashed a fraudulent check. I was laid off from my job, and needed to generate revenue to pay my bills. I answered an ad for a guy named XXXX the number he gave me was XXXX. We began to communicate via email. He would have done six postings a day or so that would advertise the same listing via XXXX. Eventually payday came, however, I was only guaranteed {$500.00} per week but the check was for {$1700.00}. So a naive sense of integrity kicked inside me and I sent him back {$1200.00}. Three days later the check bounced and my bank account was negative XXXX. At first bank of America was willing to clear my account however once they discovered that I sent XXXX, the Bank made it clear that they would not return the funds to me. However, I could not afford a lawyer because my only bank account was negative {$1800.00}. I filed a claim with my local police department and another claim with the FBI internet crimes division. I am writing this letter in hopes of a referral to federal insurance program and the ability to receive the money I had to work off back. I am also writing this letter in hopes that what happened to me will never happen to anyone else.

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 2018-11-12
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacting the hospital to find out if I had any outstanding bills that were not ran through my insurance. I was told I had to contact a few agencies by the hospital to ask about my insurance being ran on some outstanding claims. When I contacted Eastern Revenue, I was contacting them specifically in reference to a different date of service that I had been told about by the hospital that took place in XXXX and was placed on the phone with an XXXX XXXX to talk about what I needed to have ran through. He started explaining I had several outstanding debts with their collection agency, I had only contacted them to ask about whether or not my insurance had been ran through for a date of service in XXXX. During speaking with him he was harassing me about the other dates of service that are outside the limitation of collection, he kept asking me to make payment for them and to make arrangement for them to be paid. I explained I was not calling about making payment I wanted to know if my insurance had been ran through before the charges were placed against my credit for the XXXX date of service which was my right to ask. Since then I have received calls from them several times a week regarding collection of the outstanding debt for charges dating before XXXX. The debts were not on my credit report and they refused to send me a statement of verification or anything in writing about what they claimed I needed to pay right then and there. I never asked about these debts or promised to make payment to them. They reopened these debts from XXXX as if I contacted them about them and promised any sort of payment and are now contacting me several times a week for payment on a debt that was written off years ago that I didnt contact them regarding nor did I have prior knowledge of before contacting them regarding a claim that should have had been partially or fully paid by my insurance company. They have threatened to sue me for the debt and to get payment through alternative means of collection?? I dont know what that means or their intentions are however I feel that this is a sincere threat from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 Capital One deactivated my credit card because of a possible mass compromise. I tried to use my card on XX/XX/2019 at a grocery store and was unable to complete the transaction. However, I did not have time to contact Capital One to find out why. On XX/XX/2019 an attempt to use my card for {$0.00} was declined by Capital One. I was not notified of this attempt, even though I am setup for alerts by Capital One ( text and email ). On XX/XX/2019 I attempted to use my credit card at a gas station. It was declined. I called Capital One and was informed that my card had been deactivated and they would send me a new card. My complaint is that Capital One did not notify me that they had deactivated my account but waited until I contacted them. Also, they are not offering any identity theft protections as a result of their suspected mass compromise. I thought there were rules about notifying consumers when their account has been possibly compromised and providing additional protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: DISCOVER BANK
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I'm writing on behalf of my mother. 
I wanted to transfer my IRA account from XXXX XXXX XXXX  to Discover Bank. 
I filled out the necessary forms that Discover required including REQUEST FOR TRANSFER OR CONVERSION FOR TRADITIONAL, ROTH OR SIMPLE IRA. 
On the form it asks for the address of XXXX XXXX XXXX and my SSN. 
I filled it out with the PO BOX address listed on my XXXX XXXX statement and my full SSN. 
Mailed the forms roughly around XX/XX/XXXX. Days later I received a call saying they can't process it because it has a PO BOX instead of a physical address. 
I filled out a second form with the physical address and mailed it on XX/XX/XXXX. 

On XX/XX/XXXX, after noticing that the account still hadn't been funded on XX/XX/XXXX I wrote to them asking if any more forms from me were needed. They said no, everything was good and they were just waiting for the check from XXXX XXXX. 

Mid XXXXt rolls around and I went to XXXX XXXX to find out why they never send the check. Well, it was because Discover Bank never sent the request to XXXX XXXX, they thought we were going to hand deliver the request to XXXX XXXX. After many more conversations with them, they said that didn't send the original request because it didn't have a truncated SSN. They never told me that before and NOWHERE on the form or on the instructions does it ask for one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Last month XX/XX/XXXX. I went to InstaLoan to make a payment, and while making my payment they told me that I would have to pay for my title at motor vehicle at the end of the loan. Which is over {$100.00}. I asked them why didn't you tell me this before I sign papers for a {$700.00} loan, also the interest rate is in between 79 % to 105 %. I've been paying this loan since XX/XX/2018. I paid somewhere of {$1400.00} and now I still owe 400 +. and I went to make a payment today they changed their whole program now, instead of signing three or four different papers every month, now there doing something different on the computer, and now they're asking me for all this information they asked me when I applied for this loan. like how much money do I get from Social Security XXXX. I told them I am not going to tell you, I told you this in XX/XX/XXXX of last year when applying for this loan. and they got all upset and so did I and they threatened to call the police on me they wouldn't accept my payment. It seems to me I'm not allowed to ask any questions and that's all I did was wanted some answers! can you do anything about this I feel that they're taking advantage of poor people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Caliber Home Loans, Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I communicated with my Loan Officer,  XXXX XXXX of Caliber Home Loans. 
We talked about locking the rate for the loan and we both agreed to lock it for 45 days at 4/05 % and I requested a lock rate confirmation from him. 
I did not get any lock confirmation from him so I called him several times and he did not answer the calls. I emailed him again on XX/XX/XXXX asking for my rate lock. He finally answered my phone calls and said he was just busy and he would send the lock confirmation. 
A few days later, I get some disclosure documents from him showing that my rate was locked at 4.05 % but on a 30 day lock. In effect he gambled on my rate and waited more than 2 weeks to lock my loan. 
What XXXX did was dishonest, unethical, irresponsible and dangerous. I think it is also ILLEGAL. A shorter rate lock period is cheaper than a longer rate lock period. If we had locked the lock on XX/XX/XXXX for 30 days I could have gotten 4 % or better. On the other hand with today 's volatility, if he had waited a week or two more, I could have lost the rate we agreed on and we would be talking of a much higher rate I have emailed his bosses but have not received a reply from them. 
This kind of practice should not be tolerated and XXXX XXXX should be held accountable for his actions. 
I would appreciate your prompt action on this matter. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase Case # XXXX Locked Out of My Own Coinbase Vaults Coinbase has a service called the " Vault '' that adds additional layers of security. In order to withdraw funds from the " Vault '', I need to receive confirmation on both Primary and Secondary email addresses. E-mail addresses on a vault can not be changed after it is created. My secondary vault approval address has mysteriously changed by Coinbases system to XXXX. I do not have any e-mail addresses that start with the letter XXXX. Now I cant initiate any withdrawals since two approvers are required. My funds are now frozen. 

I have spent many hours reading the comments of others on websites such as XXXX that had the same problem with Coinbase. Everyone was told that a specialist will contact them, but that didn't happen. Delay after delay. This is an unethical business delay practice. I contacted support by phone on XX/XX/18 and was sent a follow up e-mail. They still have not resolved the issue or even given me an adequate response detailing when they will help me regain access to my funds. 

What I want is for Coinbase to move all the funds from vaults ( 3 total ) into my wallets. There are XXXX  bitcoins ( BTC ), XXXX ethereum ( ETH ), and XXXX  litecoins ( LTC ) in their respective vaults. If you need any additional information from me, please dont hesitate to ask me. 

I have attached the following : Vault Setup Confirmation Emails ( Primary and secondary e-mails that I chose to use are shown ) Vault details screenshots showing that that secondary e-mail addresses for my three vaults have been changed to ( First letter is now XXXX, it should start with the letter XXXX ) Screenshots showing that my coins are in my vaults If you look closely at each of the screenshots showing the vault detail history, youll see that vault creation date is the same date that Coinbase sent the setup confirmation e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Hauge Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following company has listed a debt on my credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. Further as is required by the FDCPA this organization never sent me proper notice such allegations of owing a debt were being claimed much less an opportunity to remedy the issue with them where I would have requested a valid proof of claim and notarized affidavit swearing to the fact that this company and I ever met or agreed to do business or that I ever acknowledged an alleged debts was owed by me to this unknown party known by me only according to my credit reports as HAUGE ASSOCIATES Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : XXXX/XXXX XXXX  Original Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$290.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$420.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes - reinvestigation in progress, Consumer disputes this account information This is fraud as no offer of contract was ever presented nor considered or accepted by me and no equal value was ever exchanged by this organization to me warranting performance in the form of payment of a contact that has never existed between this party and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
i have been disputing a XXXX bad debt added to ann account I paid off with XXXX XXXX XXXX since XX/XX/2019. 

They refuse to speak to me or email me yet are garnishing my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Sent letters to Trans Union Disputing inaccurate information on my credit report and they have neglected to send me an update or response.

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 2018-06-19
Company: Global Lending Services LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Global Lending Services LLC are actively reporting false debt to all 3 credit bureaus, which is a violation under the Fair Credit Reporting Act ( FCRA ). I was in an automobile accident XX/XX/XXXX, resulting in the totaling of my vehicle. I contacted Global Lending Services LLC the following morning after being informed of the auto total by my auto insurance adjuster ; informing them of the accident, along with providing them with my auto insurance adjusters name and contact information. I further inquired about my monthly payment that was still not due prior to the accident, nor at the time of the call. 

I purposely asked with great specification if I were required to still make payment on a car that was no longer in my possession, stating the note due date had not arrived at the time of the call. I also confirmed the prior month note payment of {$480.00} on XX/XX/XXXX. During the call with Global Lending Services LLC, I was advised NOT to make the current month payment for XX/XX/XXXX, instead information for my auto insurance adjuster was request for the payment of the car total, in which I complied. I confirmed payment for the vehicle total from auto insurer and receipt of payment by Global Lending Services LLC via 3 way conference call with both Global Lending LLC rep  and auto insurance rep, along with additional assurance that my contractual obligations were terminated at the completion of the call, due to my insurance company having title of the vehicle and the totaled check amount being received by the lender ( Global Lending Services LLC ). 

I proceeded to purchase another vehicle and obtain /be approved for new car loan, after all credit clearances were met on XX/XX/XXXX. Global Lending Service LLC contacted regarding late payment in XX/XX/XXXX via phone. I provided the date and explained the content of my last call and further stated that I was informed that all calls were recorded and that I was informed of no further payment obligations could be confirmed via recorded calls. I was informed that they would investigate the matter and be contacted again via phone. I never received another call regarding the matter. Global Lending Services LLC are currently reporting false debt for the amount of {$770.00} car loan payment effective XX/XX/XXXX, which is a violation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Chase and probably most accounts have the policy to either approve or reject a automatic debit order or recurring debit card transaction against your account when your account is overdrawn. Every single time they charge {$34.00}.

Of course I do not want those charges approved as I will deal with my creditors separately. Chase of course approve each one and charges me {$34.00} each time. I think its crazy that they can charge me {$34.00} each time when they allow a {$10.00} or less charge to go through, when i am fine with it being rejected. No of course they have added a {$15.00} extended overdraft fee. All services I have not asked for. They know that I get paid every 2 weeks and wont have funds until then. 

I can always pay it with a different account or delay payment. This happens often and the most recent few days they have charged me almost {$200.00}. Now if a person is going into overdraft and then taking even more money from them, I believe this predatory and unethical action and should be regulated. At least they should allow you to instruct zero approvals against an account that is overdrawn if you want it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi- I had XXXX XXXX XXXX cards my limits on Both cards were XXXX. On TransUnion it's reporting over XXXX. Which is wrong. I did write the Credit bureau about this error. Please help me with this. I can be reached at XXXX XXXX XXXX after XXXX XXXX Eastern Time. Thankyou so much. 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 explanation