BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am being charged a {$34.00} insufficient funds fee by Chase Bank, which is dated XX/XX/XXXX but was not charged to my account until XX/XX/XXXX ( I know this because my account continued to show a positive balance on XX/XX/XXXX at just after XXXX AM ). This has occurred on previous occasions, and despite several attempts to resolve this issue with Chase Bank, they remain unwilling to resolve the situation. I have advised several representatives of Chase Bank that I am unwilling to pay a fee for insufficient funds when I had a positive balance in the account. This amounts to nothing more than deceptive business practices and borders on consumer fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09
Company: Colony Brands, Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I GOT BEHIND ON THIS ACCOUNT BUT HAVE BEEN MAKING PAYMENTS. I HAVE ASKED THAT MY CREDIT REPORT BE UPDATED ACCURATELY AND THEY ARE SAYING THAT THEY ARE REPORTING CORRECTLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-20
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was disputed with all XXXX credit bureaus on XXXX/XXXX/2016 based on the finding " I had no knowledge of the debt ''. All XXXX bureaus updated the accounts as " verified and belonging to me '' also instructing me to contact the creditor if I needed additional information. As instructed I requested validation from Monroe which was received by them on XXXX/XXXX/2016 per certified mail receipt, the company never responded. an additional request was mailed as they received on XXXX/XXXX/2016 per certified mail receipt. As of date not only has Monroe ignored my request to verify the debt belong to me they are reporting conflicting information. Originally the account was reported to bureaus as being opened on XXXX which was then changed to XXXX. They also report to XXXX bureau as a " chargeoff '' where the other account " reports paid on time and in full every month '' but also states the status as a chargeoff with a past due amount and a payment never received. As I have been a past victim of identity theft I have demanded that this company verify the debt belongs to me with my signature as well as verify additional information required by the Fair Credit Reporting Act and they have failed to do so.As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am submitting this complaint about transunion. I have XXXX accounts on my credit report ( XXXX and XXXX ). XXXX accounts are listed on my report as negative with a deragtory remark ... I contacted the bank who holds these XXXX accounts and received additional supporting information that the accounts should be listed as accounts in good standing and the deragtory remark removed. I upload these letters to transunion but it was rejected. I sent in via mail now the copies of the letters. I also tried to re-dispute this information so when they receive a response from the XXXX creditors they will receive the letter and fix my credit report. Transunion will not let me re-dispute this information. I also have an account on my credit report ( XXXX ) that is a fraudulant account. I spoke with XXXX in fraud investigation dept at XXXX and was told this account will be removed from all XXXX credit reports. I am still seeing reporting on my credit report. I am submitting this complaint because I have been spending countless hours and days trying to contact all XXXX credit reporting companies and I am getting nowhere. This is very fustrating because it is having a negative impact on my credit score.

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 2016-05-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
It still showing open and it supposed to be closed /showing in collection./ Ally financial, the vehicle was burned up, my ex wife had it done XXXX..so she is liable for 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 explanation
Consumer complaint received 2022-05-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Around XX/XX/2022 to about the XXXX of XX/XX/2022. 
I had made transfers from my bank account to Coinbase in order to fund the scammer named XXXX XXXX XXXX / XXXX XXXX XXXX. 
I tried to withdraw my money but was unable, they kept telling me that I need to pay taxes and give them more money in order to withdraw the funds that were already there but every time I did that they asked for more and i was never able to take my money back. 
I lost an equivalent of XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
For the last XXXX years of college I was ill advised to go with XXXX. I should have known a lending company was willing to allow a college student with several loans already. Every time I needed more money for tuition, books, or even rent for my apartment I was advised that I could get a loan. Then once I graduated I soon realized that I was way over my head in debt. I was paying at least {$600.00} a month after my 6 month deferment payments kicked in. After calling for years about my options of paying less, it was about XXXX to XXXX years later until I finally thought I caught a break with the lower interest program. I signed up over the phone and was told everything would be up in running, with automatic payments. Yet this didnt happen, I ended up finding out that after two months of nothing happening. Trying to work things out several times of calling XXXX but it was during the transition period to Navient. It ended up being almost XXXX months without paying. Which ended up turning even worse because they turned me into the credit bureau. As a result making my credit score drop almost XXXX points. I was advised by an email from a new company called Navient saying that they still needed a payment from me. I then tried to fix things with them and they could not take back and help me. It 's been an awful transition and working them has been terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Through CFPB, XXXX XXXX XXXX XXXX XXXX closed this account. 
Explanation of closure : " Terminated collection efforts and notified the bureaus to delete our trade line. '' Case # XXXX XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband passed away in the fall of 2014. In the last two years, I have tried to work with Bank of America in order to assume the house loan. They have blocked me at every step and require me to start over every time. It seems as if they are trying to make me lose the house. All payments have been made on time but they will not help me put the house in my name so that I can refinance.

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 2016-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent Equifax proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Equifax is avoiding my request by keep sending me a letter staying they were unable to honor my request because This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly and that additional information has been provided from the original source regarding this item. 
This is what Equifax keeps sending me everytime I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
please show Equifax the attachment deferment ( letter ) that was granted but yet never honored by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
It is giving a XXXX name on 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 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have just completed a refinance of my home through Bank of America. The process was initiated on XXXX XXXX and was finally completed on XXXX XXXX, 2015. I have the following issues ; XXXX. I was told that we would close on or about the end of XXXX. On approximately XXXX XXXX I contact BA and asked about my closing date. They had lost my paper work and forgot to call for an appraisal. I had lost XXXX days in the closing process which cost me money. XXXX. Afterwards, I was sent an email that my final signing of papers would be on Wed XXXX XXXX and they requested that I have a cashiers check for {$1600.00} made out to a certain title company. After signing the papers and giving the cashiers check to the signing agent, I received a random call. On Thursday afternoon I was called, by someone I did n't know that claimed they were from a title company I had never heard of, and told that the cashiers check was made out to the wrong company and that I need to wire money to them. I immediately thought this was a scam, so I called BA and they said they would look into it. About an XXXX later I received an email stating that BA had made the mistake and the cashiers check would be returned to me by the title company. I did a wire transfer to the new company, after the new title company sent me an email. At this time I noticed the the closing cost went up to XXXX, a {$70.00} increase. Reviewing my documents BA had given me the wrong closing costs in their email. The wire transfer cost me an additional {$25.00}. The cancelled cashiers check cost me {$3.00}. 
I have sent an email to BA asking for reimbursement for the wire transfer and cancelled cashiers check. But they will not respond. I am also questioning the fact that by them losing my paper work for approximately XXXX days, why would n't I be reimbursed for the difference in the interest rate and mortgage insurance for the XXXX days? I am estimating that is is almost {$500.00}. 
Again, Bank of America will not answer or return my calls. How do I settle this with them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/2015 I visited the XXXX XXXX store in XXXX XXXX Ohio at XXXX to purchase a no contact phone ( prepaid ) for my teenage daughter forget birthday that day. I found the product that I wanted and upon check out and activation the sales person asked for my drivers license. He said it was protocol - I found it odd, he was in the " post sale '' screen, the rep had to ask for help over six times in the transaction - my checkout took over 50 minutes to check out. The rep then told me that in order to complete the " sale '' I needed to input my social security number - he told me that XXXX XXXX XXXX required it. I input the requested info and then I discovered he ran my credit ; I never gave them permission to do so and furthermore to purchase a prepaid / no contact phone a credit check is not warranted. When I complained to a manager and asked if my credit was run he said no it was n't - he said the rep did n't get that far ; he lied. Later that evening I received an alert that XXXX XXXX had in fact ran my credit ( without my consent ) I contacted XXXX XXXX the next day spoke to a manager who apologized for the mishap but nothing was done about it. I have been trying to raise my score so that we qualify for a home. I was told that it was illegal for XXXX XXXX to take advantage of me ; through out the " check out '' the rep kept trying to push me into a contract phone - I continued to explain I did n't want a contract - I believe he attempted to tak advantage of the transaction - if I would have gotten a " contract '' phone then he would have gotten commission. My credit score dropped as a result of their negligence and I believe they should pay for what they did to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for and was approved for a XXXX XXXX XXXX card issued by US Bank. All the advertisements and information about the card stated I would be able to receive the last night of any point redemption on hotel rooms free. The materials I received with the actual card also stated this. Not one week after applying for the card that benefit was removed, and now a {$75.00} annual fee is being levied on my card. I feel like this was bait and switch through luring me to apply with specific benefits, and then immediately removing those promised benefits and still charging me for them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
there is a report on Transunion XXXX that states XXXX. no other notes. I called XXXX and they stated they can not find anything on my account. Nothing that should have ever been reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I got an alert from Transunion about a collection account filed from XXXX XXXX , XXXX for {$300.00}. This account was deleted from XXXX on XXXX/XXXX/16, an XXXX request to delete was submitted, why is this account now showing in Transunion. The compliance offer from XXXX XXXX said this is a mistake and should be removed, you can reach him at 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 2016-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in there system that violated the rights of their consumbers under section 6.11. As a result, I have been gravely effected and my credit score is suffering as a result. No notice of was ever given which is also a violation. I am requesting that ALL inquiries be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I have an XXXX XXXX XXXX issued by Bank of America. It has a credit balance on it. I called today to have a check sent in the amount of the credit. The card ends in XXXX. I gave them my address for verification in full. I did not give them my birthdate but I did give them the CIC code. They were insisting that the code was on the back of the card and was XXXX digits. I said no it has always been XXXX digits for XXXX XXXX and is on the front of the card. They claimed that the number did not match. I was looking right at the card and read it twice. They refused to issue my check. The supervisor 's name was " XXXX ''. He refused to give me his last name. I asked the name of his company and he refused to give that to me. I asked what call center he was at and he said " Texas ''. I asked him the city and he refused to tell me. I asked if the call we being recorded and he said " yes '', " all calls are recorded. '' I told him he would be hearing from the Federal Government. I said, " I have given you my name. I have given you my address. I have given you the security code off of my card and the last numbers of the card. '' They wanted my birthday and the CIC number from my OTHER card. I said " no ''. 
I said I have given you my name, address, last digits of my card and the CI code and you will not tell me your last name nor your company, its address, or the city in Texas you operate from. '' He said " Yes, that 's correct. '' Please fine these people. If we need to talk on the phone, e mail me.

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 monetary relief
Consumer complaint received 2017-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Want to transfer money from Bank of America / XXXX.to XXXX. Completed paper work. And medallion signature. Money still not transferred. XXXX had paperwork for almost 2 weeks. Called XXXX XXXX VP in XXXX and lleft messages to call me back and has not done so. If on vacation message did not indicate that or to be referred to another person.

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 2016-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America has yet to provide me with requested documentation ; i.e., emails and contacts to all the executive officers. The only higher authority I have been in contact with is XXXX XXXX who is not only unable to provide me with the contacts, but is also unable to give me her Email contact to to send documentation. 

The only thing XXXX has done is refer to back to lower official who is requesting the same documenation I have sent several times and for several months.

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 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
On XXXX XXXX, 2016 I sent a wire transfer from my bank " XXXX '' in California via an intermediary bank " Bank of America '' to the beneficiary bank " BAC '' in XXXX. 
BAC would not release the funds because of incomplete information. After further questioning as to what was incomplete BAC supplied me with two emails showing that Bank of America in XXXX omitted the name and address of the intended beneficiary in XXXX. I am asking for a full refund of the charges involved because after I finally had the funds returned I needed to pay all the charges again. XXXX charged me {$40.00} and Bank of America charged me {$15.00} for the incomplete service. 


I have sent a certified mail with all the documents and received a form letter telling me to get XXXX XXXX to handle it. 

It is almost impossible to get thru to Bank of America and the wire transfer division is almost top secret.

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 monetary relief
Consumer complaint received 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is the last time I write about Transunion, next communication will be in the form of a court summons for violating my writes under the FCRA. I just received a letter of a supposed investigation that tells me no steps they took to investigate and no proof. Send me irrefutable proof in 30 days or I will see you in court.

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