BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX XXXX Thursday evening I had went to Chase bank on XXXX XXXX in XXXX XXXX, New Jersey to open an account. 
The lady who helped me was very helpful and briefly explained to me the procedures on opening a checking account. 
Before reopening the account she had called customer service asking them if I am eligible to open a Checking account for a debit card. 
I had chase years before and they closed it in XXXX due to having an old coworker of mine asking me to put a check in for her into my account. At the time I has asked her multiple times about this check and she said it was from her " family company '' I didn't bother to think she would scam me in any way. So after she put the check in I received a letter few days after saying they were going to close my account. When I spoke to her she had blocked me and I haven't heard from her since. This year I needed my account bad due to receiving unemployment and I need an account to deposit my cash from working as a XXXX. When I went in person everything was fine and they opened it up and I was even able to deposit some cash to start up. 
I just received a letter today XX/XX/XXXX stating they will be closing the account if I do not get in contact with the customer service. So I called. When I called whom I spoke to told me to get in contact with law enforcement about the scam. so they can have the person who scammed me confirm the check. At this point im furious because nothing is resolved. And the person who did it scammed me and just XXXX MADE NO SENSE so I asked " okay after I file this report, you want law enforcement to look up this girl for her to call you and tell you that she scammed me? " the line I Called from chase account transferred me to the " Fraud loss Collection '' He was VERY rude and told me to look for the third party to verify the check she put into my account. After telling me that he also stated that even with all that done that im still not able to open an account until they have this third party they scammed me. 
They just kept giving me the run around, and at that point I just had the whole conversation recorded just incase. So I asked for them to send me a picture of this check and he said " we can't do that due to it being a closed account '' at that point I just completely lost it over the phone and said so how in the XXXX am I suppose to resolve this?!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
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 status incorrect

Complaint:
I had a car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX The loan was opened in XX/XX/XXXX and the car was repoed in XX/XX/XXXX since then they still have the account as open and late payments reported on my credit every month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand now XX/XX/XXXXI have called them and asked them to close the account and take the late payments off from the time they took the vehicle back. I have disputed on credit report but the come back saying the information is accurate but it is not.

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 2021-04-14
Company: TrueAccord Corp.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Creditor sent an email regarding debt to the incorrect person. All of my personal information is included and my identity has been comprised. This person now has access to my full name, address, phone number and social security number. Including where the debt came from and the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I Am having A Problem With Experience Credit Report Agency With Something About XXXX Showing On My Experience Consumer Report please help me with this problem XXXX XXXX  Closed My Account Without My Permission And Wont Allow Me To Open Any New Accounts Because Of A Fraud Account From The Pass Showing On My Experian Report Please Help me with this

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 2020-05-26
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
AMEX had cancelled my CC account [ AMEC Card No. - Last 5 : XXXX ] as they had terminated their relationship with the alliance [ XXXX  ]. 

However, they had continued to charge me monthly/annual interest fees as well as some late fees. 
I understand that thee fees are not permitted once the grantor [ AMEX ] cancels the card. 

I therefore will not make any monthly payments on the account until the problem is rectified ; reimburse my interest and fees since the date of the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My Coinbase account was compromised on XX/XX/2021via a SIM Swap and stolen email. My email account was stolen and 2fa was changed so I can never get the email associated with my account back. 
I tried to report the SIM swap to Coinbase via phone and by creating a support ticket but responses were apparently routed to the stolen email account. I have created tickets with my current email account that was not stolen and have received responses that a specialist would contact me in 4-5 days. It has been 2 1/2 months and I have received nothing but form email responses. I have tried opening multiple tickets and they get consolidated back into a single ticket with a promise of a response in 4-5 days. 

I need to get my account back so i can file taxes and see what the thief stole. In addition, I have funds on other exchanges that are frozen waiting for verification of transfers from Coinbase to confirm my identification that I can only get if I'm logged into my account. 

The current support ticket is Case # XXXX - Stolen email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-13
Company: SYNCHRONY FINANCIAL
State: AR
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:
My sams club credit card is suspended to pay 5 % back on gas purchases. I have been issued over XXXX $ since XX/XX/2022. But they are telling me I cant have it to spend!

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 2019-12-04
Company: CAINE & WEINER COMPANY, INC.
State: MN
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:
On XX/XX/XXXX I obtained a copy of my credit report and it reflected a debt for Caine Weiner on behalf of XXXX XXXX, however I contacted my insurance company that have been the same for several years and no debt appears on my record, therefore nothing to collect since I do not owe them nothing. 
Again in XX/XX/2019 I met with my financial counselor and the account still appearing on my report and reported by two of the bureaus XXXX & XXXX. This is affecting my score even more. It is not allowing me to move forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Informative Research
State: MD
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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: SANTANDER HOLDINGS USA, INC.
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:
During the COVID-19 pandemic I missed 3 payments on different accounts because I was not working due not be able to work in my industry. I disputed all three and the have yet to take them off my credit report. Also XXXX XXXX XXXX XXXX and missed work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I can't link my PNC accounts to my XXXX account when I don't have a debit card so I have no way to acces the funds in my PNC accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Citibank Sears will not change the monthly amount from {$300.00} to {$200.00} as I can't pay the bill. They will not work at all to help at all. I called three times to ask for help and they won't help.

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 2022-01-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Regardless of the multiple written requests, the JPMCB HOME accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( JPMCB HOME XXXX, JPMCB HOME XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: SC
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 spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, 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:
Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the Equifax breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Account status incorrect

Complaint:
My issue is with Equifax, and the credit score they are reporting. According to myEquifax account, I have a delinquent account, which is negatively impacting my credit score, which is untrue. I do not have any delinquent accounts, and when I called Equifax today and spoke with a representative XXXX XX/XX/21 XXXX, they stated that they don't see a delinquent account in my record and are unsure why it is appearing on myEquifax and why my credit score has remained poor and not improving, despite the lack of delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 info to all 3 credit bureaus on a bank of america mortgage and they was all deleted around XX/XX/XXXX or XXXX but in late XXXX it was added back on to my credit and i didnt get an explanation why it was added back, i called all three credit bureaus and they gave me all the same answer, i must reach out to bank of america, i called 4 different numbers on it and all said they do not see a mortgage that i have, so they gave me a number to bank of america fraud XXXX it doesnt answer it goes to an answering service that take your statement, i sent mail to them stating i need the reason why you added a mortgage back to my credit and no answers back but a generic later stating they are working on what i need but no info on what info they have to add it back to my credit, so im writing you all because this is ( 1 ) Defamation on me and my credit ( 2 ) Negligent Enablement of Identity Fraud ( 3 ) Violations of the Fair Credit Reporting ACT, on all 3 of my bureaus as inaccurate about the bank of america account, they all have different amounts, closing dates, and 30 60 90 days late is different on all 3 bureaus, and by law it has to be removed for inaccurate information, i want it done immediately

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 2020-07-17
Company: Experian Information Solutions Inc.
State: MN
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:
So tell me this since you receive the last dispute via US mail with photo ID and current copy of utility bill and you still state that you didnt believe me that was me sending in the dispute what makes To believe that this time it is me if I send them again? But I tell you what you going to do is when you respond to this complaint via the CFPB you might as well send Security questions thats on the credit report and only XXXX  would know in this response and thats how you and I are going to conduct business or else you are going to confess to failure to conduct a proper investigation their is already CFPB complaint that you have lied claiming I needed to send in Government issued ID along with a utility bill or whatever I got XXXX and at this point you might as well say that you were compelled you to conduct a proper investigation is what its going to be but again during your response here is what I want you to do is send a list of security questions that only guy in you will know about in the credit file case closed bogus stall tactic that youre using

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 XX/XX/2020

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 2019-12-04
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: Personal information incorrect

Complaint:
Equifax Personal Solutions ( https : //facta.equifax.com ) does not have my current name listed correctly. My current name is listed within the " Formerly known as '' section rather than in the " Name '' section.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchase a XXXX timepiece on XXXX Website. the warranty date and the seller information i s different from the warranty card. XXXX stated in an e-mail, The difference between the dates is negligible as we are a little more lenient when it comes to the warranty period depending on the issue with your timepiece. We recommend using your warranty card as proof of purchase since XXXX is not an authorized retailer of our watch. We will without a doubt accept the card. Hope to have been of assistance and remain at your disposal.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
unauthorized and fraudulent inquires reporting on my credit reports

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