BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-11
Company: JPMORGAN CHASE & CO.
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: Problem with rewards from credit card

Complaint:
Chase XXXX rewards deducted XXXX XXXX points dated XX/XX/XXXX for a reverse of a bogus charge - but they never gave me the XXXX when the bogus charge was initially made. The XXXX points were earned and are mine and never should have been deducted. 
I have been communicating with XXXX XXXX at Chase Executive offices since XX/XX/XXXX and the last communication was XX/XX/XXXX. About a week prior to that XXXX advised his marketing department did not want to return my points because my card was closed. I only closed the card because Chase could not prevent the bogus charges that the XXXX was putting on my card. 
Now XXXX is not taking my calls and is not calling me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I wired $XXXX USD to my Coinbase account.  Coinbase did not post the money and says they returned it.  It was never returned.  I have spoken with my bank at length and they have completed their investigation.  They say Coinbase took my money and never sent it back.  I have written to Coinbase 8 times, they only send automated responses.

-The full name on the account the wire was sent from:   (private)
-The amount of the wire:  $XXXX -The date the wire was sent:  XX/XX/XXXX
-The federal reference # or IMAD # for the wire:   XXXX

This is the original email from Coinbase:

From: Coinbase [mailto:no-XXXX]
Sent: Tuesday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX
Subject: Wire reversed


[Coinbase]





Hi XXXX,

You recently sent a wire to fund your Coinbase or XXXX account for $XXXX USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing.

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or XXXX account. For more information, visit the Bank Wire Deposit section of our payment support page.

If haven't received your funds after 7 business days, please email XXXX for assistance.

Respectfully,

The Coinbase Team

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm requesting, as my consumer rights, to validate and verify THE INFORMATION on some accounts on my report, and also ask for documentation for charge off accounts and I got no response or saw any update or validation or verifications since XX/XX/2021. Needles to mention that I send letter every 35 days and we are over 6 months without response!?!? 
Attached some of the letters sent to the different bureaus for the past 6 months. no response to any!

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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-01-12
Company: CORELOGIC 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: Their investigation did not fix an error on your report

Complaint:
can i get a letter from you guys rgat states i gor your ok to have gard inquiry drleted thanks

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: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made phone calls in XXXX and XXXX and sent a letter in XXXX XXXX because I could not get an answer to my Kohl 's charge card closure. 
XXXX XXXX XXXX, XXXX Capital One Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Kohls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX To Whom it May Concern : My name is XXXX and I am writing about the closure of my Kohls account. I have been trying to get an answer about the closure since XXXX XXXX. I have called Kohls and Capital One and I keep getting sent back and forth between both companies. I have talked to managers at both companies and no one can give me information about the closure. 
My Kohls account number is : The ironic thing about this issue, is that I received a pre-qualified credit card offer in the mail this week. I have to laugh about this because you ( Capital One ) closed my account. How can I get pre-qualified by the same company that closed my account? 
I would like to find out the exact reason for the closure. Please have someone contact me regarding this issue, so that I dont keep getting the run around about information that should be provided to me. 
Enclosed is a picture of the pre-qualified letter I received. 

Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/2021 I sent a letter to XXXX, to validate a debt that was placed on my credit report. I did not receive any response back. In XX/XX/2021, I sent them a follow up letter stating that the alleged debt was expired and to remove this off my report. Still no response. In XX/XX/2021 I sent Experian a letter to validate this debt and I still have received no response. Its been over 180 days of non communication from either party and it needs to be removed off my 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 2018-01-11
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX certified letter was sent to Experian asking them to provide verification of the following debt reporting on my credit report. Another letter was issued in XX/XX/XXXX stating that the items where in non compliance of the FCRA section 609. On XX/XX/XXXX a phone call was placed to Experian asking where the response letter was and that they by law were non contempt. Representative XXXX from team ( XXXX ) stated that the response was mailed to an address that I did not provide. As of today the items still remain on my credit and the illegal unauthorized distribution of my credit report has put me in a vulnerable position.

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 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after

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 2021-08-04
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
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 customer service

Complaint:
The COVID-19 cares act states 1. Late or missed payments CAN NOT be reported if I have an arrangement has already been made. 
2.If your account is delinquent and a agreement is made a creditor can not report you has more delinquent. 

The FCRA states 1. late payments must follow the 30,60,90 flow FNBO are in violation of my consumer rights and not following the cares act law. I enrolled in the forbearance program XX/XX/21. This bank has reported XXXX, XXXX & XXXX as late payments even thought they were not late. FNBO auto drafted these {$25.00} payments each month on time. They are also reporting to the credit bureaus three 30 day late payments instead of 30,60,90 which is also against the law. The reason they are doing this is to attempt to hide the fact they are not following the cares act law. They have continued to report me as more delinquent with late payments after my enrollment.

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 2022-01-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
I keep a close eye on my credit report and XXXX scores and continue to see Experian is the only Credit reporting company that give incorrect information. All other scores from my credit card companies show my score well over XXXX, yet Experian continues to show it under XXXX, to be exact XXXX. The reason they give is Serious Delinquency which I am aware of because I co-signed for my daughter on a house mortgage. But my concern is when they say : Few accounts paid on time : When I get a bill I sent it out the very next day on every bill I receive. I take pride in paying my bills on time. Next : No Loan Activity : Why should I have loan activity. When I bought my last vehicle I had 3 years to pay the loan and I paid it in just over 1 year. Next : No credit card activity : I use my credit card at least 10 times a month buying gasoline, XXXX. monthly bills. Experian just wants me to sign up for their membership account, and keeps giving false information until I do so. Experian is a fraudulent company and should be investigated

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 2017-10-08
Company: CrossCountry Mortgage LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Daughter XXXX XXXX and I have been trying to work with Cross Country Mortgage trying to resolve an escrow issue that I do not have the responsibility for paying. I signed a note that said my payment was to be {$570.00} per month. Then shortly after my payment went up from that amount to {$580.00}. I do n't understand why. Also, my mortgage company never paid my insurance escrow. So they put forced placed insurance on my loan due to their negligence of not ever paying my insurance company XXXX XXXX. I have never missed a {$580.00} payment since I began paying 2 years ago. They are now trying to collect {$2000.00} from me due to their negligence. I have never been without hazard insurance. My daughter faxed in my insurance information to them several times to show that I never had a lapse, and we spoke with XXXX XXXX and they also faxed it. Cross Country has ignored the paperwork. This has not helped. My Daughter spoke with the CEO of the company. That has not helped. Now they are reporting mortgage lates on my credit report lowering my credit scores. They have also sent my loan to loss mitigation. I have tons of loss mitigation letters that they keep sending. They have refused to rectify this situation from the beginning when I first bought the house. My insurance XXXX has also indicated to Cross Country Mortgage that I have never had a lapse in coverage and faxed in proof several times. If I ever did have a lapse, it was due to the Mortgage Company never paying for my escrow account. If I have a lapse now, it is as a result of Cross Country not paying my escrow account again. Again, they refused to remedy the issues. Instead, they keep trying to collect the money from me. It is n't my responsibility to pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX my Equifax report was wiped clean. a glitch in their system removed everything and was later reinserted. They did not provide me with a 5 day notice it was reinserted on my report. And I know that 's they 're supposed to do this before reinserting anything! I want everything that is negative to be removed from my report! I am giving y'all 15 days to get this handled! I have proof that everything was deleted! I will be adding that to my complaint! I also contacted the. About it and they said I had no file just only three accounts that were readded. And they do record phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC debt collections company continues to report to all 3 credit bureau 's as my account in collections and/or derogatory after me speaking with them numerous times, explaining the debt was paid & full. I requested a written letter numerous times & for the incorrect reporting to be taken off my credit reports, I was promised over & over again it would be corrected and not show negatively on my reports. I have repeated asked the 3 credit bureau 's to correct the mistake. This is causing me to be denied credit cards,  rentals, and increased interest rates, which is very unfair when I am current with all payments and not in collections.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Navient Solutions, LLC.
State: LA
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:
First, pleased be informed that I had to select XXXX XXXX College from your selection portal but in your records you will see that my complaint and documentation has been on XXXX XXXX College, now defunct and has been for a while, XXXX, Louisiana. When I did not select a college on your list, it would not allow me to go further with this complaint. 
Received an email dated XX/XX/2017 from CFPB that I need clarity on. I submitted complaints on Navient ( XXXX XXXX ) which they in turn tossed it back to XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ). Your complaint site clearly lists student loan as an area where complaints can be logged on these agencies. So with all the detailed info submitted in complaint number XXXX and XXXX, I received this reply from you : " After reviewing your complaint, it appears the Consumer Financial Protection Bureau can not pursue the issue you described. CFPB does not have any jurisdiction over any local, state, or Federal Government agency. '' So why even take complaints on any student loans that are given by banks and agencies like XXXX XXXX and Navient if it is not in your jurisdiction to assist with the complaint? Are not banks and XXXX XXXX and Navient backed by federal government loans by XXXX and such? 

Looking forward to your reply. Also please be advised that I had to contact Navient to get promissory note that they had sent to you in attachment but never to me although they told you they did and when they did send it, it only had second page of note, bearing my signature and social security number. I called them and asked if this was a joke and requested it be sent again and then I finally received the promissory note in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: SUNTRUST BANKS, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PROBLEM As of XX/XX/XXXX Ive been trying for 2 weeks without success to get an updated pay-off quote for a 30-year mortgage Suntrust Mortgage ( balance {$14000.00} ). The problem is SunTrust is slow to update its own records about my paid flood hazard insurance ( XX/XX/XXXX-XX/XX/XXXX ). And despite having sent 2 copies of flood insurance policy & repeated contacts, I can not get any action from either customer service or insurance department @ Suntrust. If I call, I wait 10 minutes to get rep, get disconnected or get robo message that I dont have an account ; if I try to get on Suntrust chat I get frozen screen error message or log in [ XXXX ] get error message web site experiencing problems. 

HISTORY I have had continuous condo association-paid flood insurance through XXXX XXXX XXXX for duration of loan. Suntrust sent me XX/XX/XXXX notification letters : ( XX/XX/XXXX my flood insurance is expired, XX/XX/XXXX thanks for providing evidence of flood insurance, XX/XX/XXXX flood insurance is expired ). Since XX/XX/XXXX indicated no problem, I concluded that XX/XX/XXXX was a system erroralso a past problem. In interim Suntrust placed {$1000.00} in my account mortgage escrow to cover bank-issued XX/XX/XXXX- XX/XX/XXXX flood insurance. 

On XX/XX/XXXX my insurance agent emailed XX/XX/XXXX- XX/XX/XXXXcondo association flood policy to SunTrust & got confirmation receipt from same [ XXXX ]. SunTrust insurance advised me on XX/XX/XXXX that scan had not been received. On XX/XX/XXXX a 2nd copy of the flood policy was faxed directly from XXXX XXXX to SunTrust insurance dept ( 3-way phone call between l me, SunTrust Customer Service, XXXX, and XXXX XXXX ) again verified receipt. On XX/XX/XXXX customer service could not provide an updated account balance. Also on XX/XX/XXXX I emailed XXXX area mortgage loan officer XXXX XXXX who was unable to assist me other than to give me customer service phone # I already had. On XX/XX/XXXX my on-line account with SunTrust Mortgage shows escrow of {$1000.00}.

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 non-monetary relief
Consumer complaint received 2021-10-27
Company: PRESTIGE FINANCIAL SERVICES INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Your company have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, Al XXXX for over 10 years. Never have I lived in XXXX XXXX. I believe this is fraud from a family member. Please see idenity theft report. Enclosed and my Alabama drivers license. Please remove XXXX / XXXX XXXX This is not my Debt!

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 2022-01-12
Company: Caliber Home Loans, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a letter to Caliber addressing an ongoing issue with Caliber 's reporting. Caliber 's is reporting inconsistent delinquencies to the three major credit bureaus. One bureau may report the account as 90 days delinquent while the other is reporting 180 days delinquent. I have previously address the issue with the three major issues however Caliber keeps verifying their inconsistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation