BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAD CREDIT CARD FOR XXXX DOLLARS MY BANK CHASE CHARGED IT UP TO XXXX I DID NOT AUTHORIZE THIS AND I HAD ALL MY ID BIRTH CERTIF SS AND DRIVER LIC STOLEN SOMEONE USED THIS AND RACKED THIS UP I HAD AND PAY ALL MY BILLS I AM ON XXXX AND THE BANK ALSO RELEASED MY SOCIAL SECURITY MONEY UNAUTHROIZED TO A COMPAY THAT I DO NOT OWE THEY OWE ME XXXX DOLLARS AND TRYING TO REVERSE LIKE I OWE THEM I CONTACTED MY BANK AND EXPLAIN TO THEM THEY WANT TO PUSH BLAME WHERE NOT DUE UNDER THE LAW MY SOCIAL SECURITY MONEY SHOULD NOT BE RELEASED UNDER ANY CIRCUMSTANCES AND THE XXXX LIMIT IS WHAT I OWE NOT XXXX APPROX I WANT THIS HANDLED AND REMOVED FROM MY ALL CR REPORTS AS IT IS NOT N=MINE I REPORTED OVER 2 YRS AGO ABOUT THE CARD BEING STOLEN THEN THEY CAME UP WITH SOME LAME EXCUSE OF DIFFERENT FAMILY MEMEBERS THAT HAVE NOTHING TO DO WITH THIS AT ALL NEVER EVER I AM SOLE OWNEER AND NO ONE HAD A CARD I ORDERD ONE BUT RIPPED IT UP FOR THE FACT THEY CHILD DID NOT NEED IT SO I ALSO CALLED TO TAKE PERSON OFF THE EXTRA CARD. THIS IS CRAZY I AM A VICTIM AND I WANT MY SOCIAL SECURITY MONEY BACK FROM THE BANK AND ALL NEG MONIES REMOVED FROM MY CREDIT REPORTS I WIL PAY THE XXXX NOT A PENNY MORE AS I DO NOT OWE IT. HOW COULD THIS BE A XXXX DOLLAR CARD RACKED UP XXXX THEY ARE LIARS AND STOLE MY SOCIAL SECURITY MONEY XX/XX/XXXX TILL XX/XX/XXXX I REPORTED IT THEN AND NOW IT FINALLY IS COMING I BELIEVE TO A RESOOLUSTION EXCEPT THE XXXX I DO NOT OWE ARE THEY CRAZY IF THEY CAN RELEASE MONEY UNAUTHROZIED KNOWING ITS SSI MONEY THEN U KNOW SOMETHING IS WRONG I WAS A VICCTIM OF THEFT AND REPORTED IT. ALL IS APPRECIATED THANK YOU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Sterling Infosystems Inc.
State: TX
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:
XX/XX/XXXX I was notified by Sterling with an email showing me my background report that was shared with perspective employer. I was alarmed to see that they had shared information dating back from a XXXX XXXX that I was discharged from XXXXXXXX for in XXXX. 

When I called and asked them why did they share my complete history when Texas laws protects me from this form of reporting, I was told that the Fair Reporting Act allows them to share my entire credit history. 

On the employer application I did not explain anything more than 7 years ago and this impacts my ability to now give an explanation and makes me appear as though I was hiding this. This may impact there decision negatively in my hiring process and even if I do get the job, I am embarrassed, ashamed, and feeling exposed to negative views of me after having a solid interview and immediate job offer this is not how I want to enter a new company. 

I would like help getting all this figured out. 


Respectfully, 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 explanation
Consumer complaint received 2017-07-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Problem with personal statement of dispute

Complaint:
My mortgage note was recently sold from XXXX to Carrington Mortgage as my new loan servicer. I incur a late penalty fee due paying on the last possible day of the grace period which I 'm comfortable with and have been paying for the past several months. Recently however, Carrington has begun charging a " {$5.00} convenience fee '' which I was not fond of because they did not originally charge this fee for payments made through their website. In lieu of making payments through their website, I decided to set them up through online bill pay from my XXXX checking account in order to avoid the {$60.00} annual fee. I had the payment scheduled for XX/XX/XXXX in order to give it a couple of extra days to clear on their end. The funds were not disbursed because my available balance was {$830.00} and funds required to pay my mortgage were {$830.00} ( short by XXXX cents ). I immediately processed an external transfer of {$10.00} from another checking account of mine to assist in covering the payment. By the time the funds were deposited ( 48 hour turnaround ), monies were disbursed on XX/XX/XXXX to Carrington Mortgage. Since the payment was not applied until XX/XX/XXXX by Carrington, they have now reported me to the credit bureaus and I have suffered a substantial credit hit. My FICO score that I have worked extremely hard in maintaining excellence ( nearly XXXX points for many years ) has now dropped severely and this is all due to being short by XXXX and also wanting to avoid an unnecessary {$5.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was notified through XXXX on XXXX XXXX 2018 that all my accounts with XXXX XXXX had been closed. 
( XXXX XXXX card ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX with a Balance of {$220.00} when closed and now shows a High Balance of {$310.00} ). In which all accounts had been open in the month of XXXX which was reported to my credit report. I understand thatvthey have a right to close any account without such notice to the consumer however as a consumer to have such a negitive impact to your account within 1 month does not reflect well. This action on the part of the creditor will remaun on my report and it will not reflect in a positive way as the account was open and then immediately closed. I wish to have them remove all accounts from my crdit report and all inquiries that they have place on there. I understand that i may not be the most credit worthy however my past mistakes are from not understanding the importance of credit. However i wish to not have 6 accounts closed adding to the damage that is alredy impacting me that I am trying now to correct. I feel as though my privacy has been invaded by them rechecking my credit report therefore reverting too them closing all my accounts. It would have been better to have denied me all together then to approve me and close accounts that are in good standings and had never been used. 

When I initially contacted XXXX concerning this issue the young lady informed me that all accounts had been closed seemingly due to alot of recent credit inquiries and the only recommendation she could offer would be to write a letter and ask for a review to see if any of the accounts could be reopened. She offered to give me the address in which to write an appeal letter, but see as it was already decided i opted out and Thanked the young lady for her help. ( I was informed that all accounts had been closed as of XXXX XXXX and I was informed today that a letter explaing why they came to the decision was just mailed on XXXX XXXX. 

I thank you for your time and look forward to hearing from you concerning this matter. 

Best regards. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX  is trying to collect debt for XXXX who sold a non functional phone product but they knew they had insufficient cell tower coverage when they sold the product/service.

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 2021-02-14
Company: MoneyLion Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Moneylion will not take my notice that they no longer have permission to debit my debit card or bank account. They are refusing even though it is my legal right to rescind this permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The foreclosure that was placed on my credit report erroneously, by XXXX XXXX for a property that was not mine nor did I have a mortgage for it. foreclosure is on my credit report is false and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency bought an old debt and then re-aged that debt and added it to my credit report this year. The agency sent a letter offering to settle for far less than the original amount. DOFD is now approximately 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 explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a long-time customer with Chase Bank XXXX I have 2 checking accounts, 1 savings account, and a Chase Freedom credit card. I have no other accounts with any other bank. 

Every month I receive a credit card statement in the mail and every month I send in a check with the statement portion to pay the balance on my credit card account. In XXXX of this year ( 2022 ) I received my monthly credit card statement, and I sent back the form along with a check payable to Chase Cardmember Services ( check # XXXX ) in the amount of {$8000.00}. I also printed my credit card account number on the Memo line of the check. A few days later I checked my checking account balance and saw that the XXXX had been withdrawn. I also checked my credit card balance and saw that the XXXX had not been credited to my credit card balance. 

I called the bank to ask for an explanation and I was told to submit a written complaint to request an investigation which I did. When I called Chase this month ( XXXX ) to check on the status of the investigation I was told that an unknown individual had cashed/deposited the check to their account atXX/XX/XXXXXXXX and the XXXX was allowed to be withdrawn from my checking account by Chase. I also received a letter from Chase in XXXX stating that they were still investigating this with XXXX XXXX XXXX and it may take an additional 90 days to complete, and that Chase was blaming XXXX XXXX XXXXXXXX for the screw-up and Chase refused to replace my money to my account. 

I have absolutely no culpability in this gross negligence on the part of both banks. The check was clearly made out to Chase Cardmember Services with my account number written in the Memo line of the check. There is no excuse as to why this was allowed to be cashed at XXXX XXXX XXXXXXXX to some unknown individual. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have tried to work with American Education Services ( AES ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with American Education Services ( AES ). Loan #  1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. AES reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, AES had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. AES also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted AES, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with AES was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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: Account information incorrect

Complaint:
This complaint is regarding potential fraud by two credit reporting agencies, XXXX and Experian. 

In applying for a new mortgage it came to my attention that credit reporting agencies are providing one FICO score to me as the consumer and a different, lower score, to the Mortgage Lender. 

XXXX provided a FICO score of XXXX to my XXXX XXXX XXXX XXXX XXXX account on XX/XX/2020, and a FICO score of XXXX to XXXX XXXX mortgage on the same day. 

Experian provided a FICO score of XXXX to my XXXX XXXX account on XX/XX/2020, yet it provided a FICO score of XXXX to a different part of XXXX XXXX ( processing my mortgage application ) on XX/XX/2020. 

It appears that these two credit reporting agency has one FICO score that is available to the consumer and a lower FICO score to creditors.

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 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
TransUnion Credit Report Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX ) XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.

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 2018-01-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$6100.00} to Coinbase by wire transfer from my XXXX XXXX XXXX account on XX/XX/XXXX.  Coinbase is located in the XXXX with a bank located in XXXX that should receive the payment. 

The balance has not shown up in my Coinbase account still, and today it is XX/XX/XXXX 

I have made numerous attempts to contact and speak with customer service who keep saying that they are going to put a specialist on the case. They have told me this three times. I have used both their online form for submitting issues as well as emailing them directly to ask about a status update. No response whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, on XX/XX/17 I went to my bank JP Morgan Chase to withdraw cash, after I insert my debit card and enter my pin I was asked to provide ID, well I handed it to the teller, just after that she called her manager and they started asking me too many questions like my SSN where I live etc..I asked to get my ID back and they refused saying that I look suspicious to them, well I started getting nervous because they were speaking too loud that all customers looking at me as a Scammer ... after more than 10 years I was treated like a Thief..i never experience this kind of behavior in my entire life and hoping that your Involvement with make it the last for this Bank. Thank you for your collaboration. Sincerely. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing took over my mortgage in XXXX, XXXX. In XXXX, XXXX, I received a letter requiring me to show proof of flood insurance. I had never been asked this by any other mortgage servicing company since I purchased my home in XXXX. I reached out to our XXXX 's insurance company and was told that we were not required to have flood insurance. The insurance company sent a Standard Flood Hazard Determination dated XX/XX/XXXX to Shellpoint stating that we are not in a flood zone on my behalf ; however, the person I spoke with at Shellpoint told me that they only way I would not be required to have flood insurance is if they had a letter from XXXX stating that we are not in a flood zone. It took a while, but I was finally able to track down a XXXX letter, and submitted it via email to Shellpoint on XX/XX/XXXX. I received a letter from Shellpoint dated XX/XX/XXXX stating that " We were recently advised due to a XXXX flood map revision that the above property is no longer in a zone that requires flood insurance. As a result, we will not require you to continue to provide proof of flood insurance coverage for the above property pursuant to our loan agreement. '' However, they only partially refunded the money that had taken from my escrow account for flood insurance. When I called them on XX/XX/XXXX, I was told by the agent that the document had expired. I said that I had a copy of the XXXX letter and that it does not expire. She said she would email the document to me. First she emailed some other customer 's confidential document to me by mistake. Then she emailed the document that pertained to my home. It was the determination that my XXXX 's insurance had sent back in XXXX. She claimed that it expired on XX/XX/XXXX, and I would have to provide new proof that I'm not in a flood zone. I told her that it didn't expire on XX/XX/XXXX, it was simply dated XX/XX/XXXX and the only thing that could override the XXXX letter was a new XXXX letter. I sent her the XXXX letter again, along with a copy of their own letter stating that I was no longer required to prove that I had flood insurance. I received no response. On XX/XX/XXXX, I sent a letter using the template found on this website, explaining the situation again, with all documentation attached, requesting that my funds be returned by XX/XX/XXXX. I again received no response whatsoever. I did receive a new escrow statement showing that they are planning on increasing my monthly escrow payment based on my expenses, including the flood insurance that I do not need.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Ad Astra Recovery Services Inc
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I told them I was unaware of the account and they failed to provide any notice or any documentation proving I applied for the loan. 

XXXX XXXX,2015 {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX And XXXX XXXX that are not showing on my credit report.

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 2020-02-11
Company: FACTUAL DATA CORP.
State: MS
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:
On XX/XX/XXXX Factual Data has checked my credit on XXXX  and XXXX. I did not authorize this check.

Company response to consumer: Closed with explanation