BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
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: Old information reappears or never goes away

Complaint:
A collection account was added to my Transunion credit report on XXXX/XXXX/XXXX. By collection company called XXXX for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a zero balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report. Ive contacted Transunion on numerous occasions regarding ths matter. Not only were their dispute department representatives rude. But they refuse to help me get this issue resolved resulting in me filing a complaint with your agency. The account was originally handled by XXXX XXXX who later sold the paid medical account to 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 2022-01-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Bank extended an offer to its credit card holders a promotional benefit in the amount of a {$10.00} credit for purchases made at XXXX when using a registered Chase credit card. Provided here is the link to Chase XXXX XXXX 's announcement : https : //media.chase.com/news/chase-and-gopuff-partner-to-give-cardmembers-new-benefits I followed the requirements, namely using an eligible Chase credit card, and made a purchase at XXXX on XX/XX/XXXX and XX/XX/XXXX using my Chase Sapphire Reserve credit card. 

I called Chase on XX/XX/XXXX to inquire about receiving my statement credits and was told I could expect to hear back within 5 business days. I did not receive a reply, so I called again this morning and was informed that due to a company name change ( from XXXX to XXXX ) I am not eligible to receive the credits. I do not understand what a company name change - something of which I have no control over - should somehow make me ineligible for a statement credit, especially given the fact that I followed all the requirements as listed on Chase Bank 's own website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-09
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX of Attorney XXXX XXXX office has repeatedly called and harassed family members asking for my contact information, even after I have left several messages not to contact anyone, or to contact me at work or my cell phone # for a debt I allegedly owed. I asked for validation of the debt and no response. They continue to ignore my requests and I am not sure what else to do make them stop. I am concerned they will continue to harass family members, friends and continue calls to my place of work.

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: EQUIFAX, INC.
State: KY
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:
On XX/XX/2019 XXXX XXXX Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to XXXX XXXX which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus Equifax and XXXX. These reported late payments should not be reported to my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my TRANSUNION credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

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: Ditech Financial LLC
State: NC
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:
XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX XXXX, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX XXXX  according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX XXXX, I asked XXXX XXXX XXXX of XXXX XXXX, preside on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas to represent me in a divorce case against my now ex-husband. I signed a contract with her, with her promise to do accordingly. But by XXXX, when the final decree was submitted into the court from my ex-husband, XXXX XXXX had not noticed nor notified me because she had failed to keep track of my case at all. Every time I texted or called, it took at least 3 days or a week before I got her answer, and that was because she was my client at the XXXX I worked at, so when I saw her at her appointment time, and cornered her, i got your case is fine. This had been the face of our working relationship on this whole case the whole time. In XXXX XXXX, the case was finalized without her knowledge and mine. When i pressed her, asking that i wanted my case to be done by XXXX, she said my ex-husband had never responded to her. Turned out, she had never sent anything to him per court log. I pressed and she sent in a jacked up decree which she plastered my name on the front page, and someone elses information in the back, and called it work. So she did not send me a copy like she promised, and at this point, the case was already done! In XXXX, i had another attorney looked into it and discovered this whole scam. I texted and called which she did not answer. I even asked her daughter to tell her to contact me, at which, she did not even answer. I asked Chase bank to get my money back, which I paid with check and debit cards. They said they could not because on the contract said all fees are non-refundable. So i ask you, even when i signed a contract, but if the person refused to do the work, I would still have to pay her? Chase did not have their customers interest at their heart, and did not even try, especially when I have all the proofs that she did not deserve the money. It is my hard-earned money, and my wrongly placed trust. In a million year, I would never thought a person I knew for almost 10 years would do such a thing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2021

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 2018-01-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a home in XXXX, 2017 and my mortgage with XXXX was bought by Fifth Third Bank Mortgage in Ohio. I have made every payment prior to the due date. I was informed of the transfer of mortgage by way of a bill and called Fifth Third who told me that a Welcome later would come in a few weeks ( not sure why a bill comes before a welcome letter ) and was assured that there would be no issue that I made my payment to the previous mortgage company because federal law gave me 30 days protection. 
I have been proactive and contacted Fifth Third every month and spoke with managers with no avail. I send a letter pleading with the CEO asking for help. I have provided documents, bank statements, copies of checks. My own bank, XXXX XXXX XXXX XXXX has faxed copies of documents verifying. I have followed through and been told they did not receive items. I was told that they called XXXX XXXX and XXXX XXXX has sent everything period. When asked if they have requested a payment history they have not. The payment history clearly shows all payments. I have spoken to more people then I can count and am frustrated beyond belief. Yet bills still come saying I am behind on payments as well as phone calls. I have had to tell my story over and over again. 
I can not fix something for a company I do not work for. They have gone so far as to have their collection department harass me by contacting me via phone ad nauseum while I am trying to work. Please I beg you for assistance to get this matter resolved. I am at a loss of how to fix incompetence for a transfer of a mortgage in which I work for none of the companies but have provided documentation to verify payments made when I had nothing to do with this since it is clearly a servicing transfer issue. But Fifth Third has been very clear that this is in fact MY problem not theirs even though I have sent multiple emails and faxes of documents stating all payments received. To say it is frustrating does not begin to express what I have dealt with. Mistakes happen but the harassment and inability in 4 months to fix this is inexcusable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: Integrated Recovery Services
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls my workplace 6-7 times a day, in addition to my job they have contacted my ex-husband telling him of a debt that has absolutely nothing to do with him. Also, they have threatened my mother, spoke aggressively with her and threaten to have me arrested. My ex-husband should have NEVER been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: MST Financial Services, L.L.C.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Thank you for this service, it is appreciated. I had to have XXXX XXXX twice in XX/XX/XXXX, again in XX/XX/XXXX, this generated over 60 individual bills, regardless I had great insurance. My complaint is that I believe accounts are being turned over for collection regardless of payment history. In this case service was provided on XX/XX/XXXX and this invoice was for over {$2700.00} dollars and was one of a total of {$30000.00} from XX/XX/XXXX thru XX/XX/XXXX. monthly payments have been paid on all of them, the one being disputed today, payments were made on XX/XX/XXXX first invoice, XX/XX/XXXX, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and another made today XX/XX/XXXX. XXXX XXXX, without knowing an individuals financial situation demands how much has to be paid, In my opinion violating basic fundamental individual rights and ability to pay without undue hardship or threats of damaged credit, being told pay it and we will have it all removed, ( threat as defined by XXXX XXXX ) I have a perfect credit history except for the damage Chapman financial, and XXXX XXXX have done to so many here in XXXX XXXX ' XXXX Idaho in my opinion, With many of my clients sharing horror stories and about Chapman Financial and XXXX XXXX, XXXX XXXX, along with my own. I have submitted documentation of payments and they are attached, I will also obtain copies of the checks if needed., Chapman Financial company is one block away from my office and yet most of their correspondence is dated 10 days from receipt date, making it very difficult to dispute a debt in the ten business days allowed. Again it is in my opinion these practices need to be investigated even beyond my complaint. Thank you, 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 2017-07-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went into a car dealership in early/mid month of XXXX 2017 to finance a vehicle. But the car I wanted was sold so the finance lady showed me a XXXX XXXX XXXX which was {$16.00} & And a XXXX XXXX XXXX  for {$7900.00}, & I was to put {$1000.00} down payment & I put a {$100.00} to hold the vehicles until I got a word back on if I was approved for financing. So she called me to come in to talk about rates next day. And when I showed up she showed me approval for the cars and they up the prices for the XXXX XXXX from {$16000.00} to {$20000.00} with {$5000.00} down & the XXXX XXXX from {$7900.00} to {$10000.00} with {$2000.00} down. & I told her I could n't do the down payment and would try to do {$2000.00} for the XXXX XXXX. so I signed a Rmv-1 form to bring back with insurance stamp & down payment but I could n't get the other {$1000.00} down. So we did n't go any further with the transaction or paper work and never took possession or registered the vehicle & come to find out the dealership fraudulently signed a contract with a Electric signature and sent a contract over to the bank which I have called and informed them that the contract was not signed by me I 've never seen or even got a copy of any contract and they refused to cancel the contract. After contract multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ally Financial Inc is failing to provide and disclose the documents required pursuant to the Truth In lending act. 

Ally Financial Inc has failed to validate the debt and cease collections during the dispute.

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: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened a XXXX account on XXXX/XXXX/XXXX to buy and sell cryptocurrencies. I deposited {$3000.00} on XXXX/XXXX/XXXX, {$10000.00} on XXXX/XXXX/XXXX, and {$10000.00} on XXXX/XXXX/XXXX from my checking account to XXXX. 

I noticed a large, unrecognized chage to my credit card linked to Coinbase. The amount was for XXXX and was on XXXX/XXXX/XXXX with a merchant the merchant info COINBASE, XXXX. Since I did not recognize the charge and did not see it in my transaction histories with Coinbase, I contacted Coinbase support. for further explanation on XXXX/XXXX/XXXX. 

Finally on XXXX/XXXX/XXXX, I received a response from Coinbase support. They confirmed they did not see the charges mentioned above on their side and I should contact my bank to investigate. On the same day, I let my bank know that this was not a recognized charge and should be investigated. The amount charged to my credit card was reversed eventually. 

Once the charges were reversed, however, my XXXX account was disabled. I contacted support on XXXX/XXXX/XXXX and only received automated replies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

I then called XXXX support on XXXX/XXXX/XXXX and after nearly 1 hour of waiting was able to speak with a representative. The representative said the restriction may have been applied in error but needed to escalate the case to subject experts who would review the case. But I have not heard from a subject expert since then. 

I 've been patiently waiting for this issue to be resolved, but after months of waiting it seems the only option is to escalate. It seems like my money is stuck now due to an error on Coinbase/XXXX and they are not willing to work with me to come up with a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir ; I applied for a line of credit on my house that i lived in since XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX. My house was paid off in year XX/XX/XXXX free and clear. About 6 years ago i applied for this line of credit from XXXX XXXX XXXX. When i applied my self and my Investor XXXX XXXX XXXX new this bank agent i completed the paper work and we all left the bank including my nephew that lives with me. He was my witness to me filling out the loan papers.I did not hear from the bank about my loan for a long time. As time went by i called the bank and got no answer about my loan. I turned it over to the F.B.I. they investigated this XXXX XXXX XXXX and locked him up for running a XXXX  XXXX he is in the state of florida jail.J.P. MORGAN bought the XXXX XXXX XXXX. 
I went to the J.P. Morgan bank and told them that i lost all my paper work for my loan, so the person printed every thing pertaining to my loan. The application was CHANGED to show that i made {$10000.00} a month and that is why the bank approved the loan and made the check out to XXXX XXXX XXXX, he was making the payments. I never saw the check in the amount $ XXXX.Would you be so kind to look up on the internet, XXXX XXXX , click on to the XXXX year old man that lost his house. THE BANK STOLE MY HOUSE. I am in touch with the F.D.I.C. about this check. I talk and email Special Agent XXXX, he told me that they located this bank agent and this case is a on going investirgation. would you try and help a XXXX year old man to get his house back. I have all the bank papers that they FALSIFIED. THANK YOU, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Was not notified of investigation status or results

Complaint:
I have wrote to XXXX, equifax, and more then 3 times about them posting unfair inaccurate information on my credit report and they keep writing me saying that the information they are posting is accurate, how can that be if they all are posting different information for the same accounts.

Company response to consumer: Closed with explanation