BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I followed a direct link from the XXXX webite for earning a new card member bonus of XXXX rapid rewards points after spending XXXX in first 3 months after opening a Chase Southwest credit card. I purchased airline tickets and spent the {$1000.00}. Instead of honoring the advertisement- I was bait and switched. They gave me a {$200.00} statement credit and a XXXX rapid reward new member bonus. I complained and their response was that was what I applied for. I am very clear on what I signed up for. The XXXX new member bonus is highly publicized on the XXXX website, and on their planes. The interest rate on this card is astronomical- I only applied for advertised bonus. I have requested that they take back the statement credit, and issue me the remainder of my miles. I have sent XXXX inquiries, and only received XXXX response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below was an erroneous account reporting on my Credit Report : XXXX  XXXX-XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Capio Partners, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Assetcare LLC Did not Provide me with a HIPPA release that releases my medical information to them, They are violating the law and my rights. I requested this release form more than 30 days ago and they have yet to respond to my request but, continue to report this medical collection onto my credit device.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I was trying to send money to my brother in law because he has an emergency. I used WesternUnion mobile app, i paid the fees they asked for witch is {$11.00} Dollars to be delivered in minutes. I was sending {$290.00} + {$11.00} so total is {$300.00} Dollars. Now its been 24 hours the money is not sent. They asked me to upload my ID for verification. I uploaded all the documents they asked for. And still nothing happened. I am on the phone with them for almost 3 Hours trying to get a solution for this issue by either send it or refund it back to my bank account. But unfortunately I couldnt. Its very frustrating unprofessional people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Sunset Management, Inc
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
calling my house leaving messages with my XXXX year old daughter telling her who they are and what they going to do they do n't have the right to leave messages with a minor and she do n't no what is going on and she is not on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me. 

Since I requested a cease of communication, I have been contacted an additional 12 times. I consider this contact harassment and have notified each of their agents to contact me as such. A company like chase should not be allowed to ignore the law when it comes to unauthorized charges, AND harassment. That is highly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: U.S. BANCORP
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had an account with US Bank since 2008. I opened it in conjunction with opening my son 's as he was joining the XXXX. At the time, I intended to add my husband but forgot about it. My husband received a check for {$2200.00} of which he signed and I deposited into my US Bank account. It was to help us catch up on our mortgage payment ( he recently had his paychecks cut in half for 4 weeks ). Not realizing or thinking he was not on the account, I made the deposit via the ATM in time for the automated mortgage payment. When I checked the account the day the mortgage pended on the account, I noticed a hold for the deposited check. I was worried about the mortgage not clearing so I called US Bank 's call center. I was informed that everything was okay. It was just a hold even though I told them it was available early that morning and there may be an issue. I was reassured and so I accepted that. The next morning, I checked the account to my overwhelming frustration, they had reversed the deposit, returned my mortgage check, and charged an overdraft fee. I then called again frantically and asked for the check back or if I could pick it up so that I can get the {$2200.00} ( a big check for us ). I was informed that the check is in the mail and that it is out of their hands and that this is the process. It was my mistake. I emphasized that I called the day before, requested an opportunity to talk with someone that could help, and was reassured it was okay. All that did n't matter and I had to wait for the check. Four days later I received a COPY of the check with a note that it is like the original. How in the world am I going to deposit this to any other financial institution? My husband is a XXXX and would not be in town to get added to the account. Their only solution was for me to deposit in another banks joint account. So, now I am trying to make a deposit that looks really questionable, then I need to get that money and go back to USBank all in time for the mortgage check to clear as they will resubmitted it. Yes, I made a mistake, but I attempted 3 times to resolve from the moment a problem appeared. Now I am let to handle this on my own and they have charged me a fee for it. I am so 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 2021-09-27
Company: EQUIFAX, INC.
State: DC
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/2021, I requested from XXXX XXXX for a credit line increase from XXXX of my credit cards, and it was denied. XXXX of the reasons given were incorrect, and the credit score was from XX/XX/2021. 

On XX/XX/2021, I called the XXXX number on the back of my CC and went into the branch on XXXX XXXX, XXXX, VA. Both said I was XXXX  so what is my problem? And there is no one I can talk to. 

I explained that it's not about being XXXX  but the bank used the score from XX/XX/2021, instead of XX/XX/2021. I want to make sure that if I were to apply for credit in the future, the bank or any bank would have the correct data. 

In addition, I mentioned that I paid off a lot of my CC and monitored my credit monthly, and I'm confident this way of doing business is incorrect. 

Both on the phone and at the branch, the operator told me to call Equifax claimed that they provided XXXX XXXX with incorrect information. My response is untrue, as I monitor my credit monthly, and both XXXX and Equifax have the correct information. 

My last attempt was to call Equifax and asked for help as I'm not getting any results from XXXX XXXX. Equifax told me to reach out to you, as it's why I'm writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CL Holdings LLC
State: DC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : JEFFERSON CAPITAL SYST Balance {$300.00} Date opened XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Brian P. Mickles, PLLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
This supposed law firm took a judgement out on behalf of XXXX for unpaid child care in XXXX, no where on this contract did I sign or was responsible for the debt. My children 's mother is the one that enrolled them. I was never informed of this court case in XXXX or was presented with paperwork in XXXX. I only found out about this when they began garnishing my wages this year. Upon contacting them they stated that they have tried to contact for the last several years, I have lived in a different state since XXXX upon leaving that state all of my mail was forwarded to a different address in NC. I have never been contacted via any outlet. No mail no phone calls no nothing. When I asked them for proof of debt they only sent me a computer generated statement with my children 's mothers name on it. No where is my name on their proof. When asking for other proof I was told they could n't and would n't provide. I am wantino all money that has been taken from me and is continuing to be taken to be returned immediately. They will not even prove the debt nor will the respond when I have contacted them via phone calls and email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have not been able to access my Coinbase account since XX/XX/2021 when I made a deposit of XXXX to buy Bitcoin. I have tried since then to access my account but am being denied access to the account by Coin Bases 's Two-step authenticator, which I installed at Coinbase 's recommendation. Coinbase sends me an invalid message after I give them the code that the authenticator sends me. I ask for help, Coinbase then re-routes me to other links that do not solve the problem, and on and on it goes. I can not reach a real person at Coinbase to help me. I have lost money during the latest peak that Bitcoin hit, because I could not get into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the XXXX bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this XXXX XXXX XXXX  regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the XXXX bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this XXXX XXXX XXXX regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.

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 2016-12-27
Company: U.S. BANCORP
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX. I was a student of XXXX at XXXX, XXXX & wanted to study XXXX. But I was XXXX to XXXX during the enrollment grace period. 
When I returned, I visited the school that had relocated to XXXX. I was told by the financial aid counselor that I could return to school & pick up where I left off if I was willing to start making payments toward my loans. Then the school closed down because their parent company XXXX ' is responsible for cheating the XXXX & other affiliated schools students out of {$30.00} XXXX dollars. I was contacted by a collection agency 'Elan Financial Services XXXX who tell me that I owe them {$10000.00} for an education that I never received. I admit that it was my fault for being put in jail for selling drugs on the streets, but I fully expected to be able to return once I was free. 
I am unemployed but willing to pay Elan $ XXXX until the loan can be satisfied. I do not feel obligated to make any payments, but in order to clean up my credit & be enrolled in a future school, I am willing to be flexible. I am in another location, but have an address as well as a phone # which I will provide upon request. Thank you very much for your time & patience.

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 2021-09-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
I purchased a service called XXXX last year. I didnt like the service so I canceled the service. They charge my account again. I tried to contact XXXX, but they dont have a phone number on their website and when you email them they dont reply. So I contact Suntrust to file dispute. I have completed two dispute documents. I faxed them and even stepped into a branch to have a Suntrust representative email them to Suntrust dispute department. On XX/XX/XXXX I followed up with Suntrust. The Suntrust representative told me they have no records of my correspondence regarding the dispute. Attached are the records. It seems like Suntrust is not trying to assist with this Fraud issue.

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 2021-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Booked hotel room using Southwest.com for three nights. Due to unhealthy conditions of the hotel, had to check out on the first night. I was charged for all three nights. Trying to get the refund for two nights. I Called the number XXXX for seven times, person picks the phone up on other side, and all representative keep repeating " Hello, Hello, i can not hear you '' and hang up. Never saw this type of scam. Can not resolved my problem. Never booking my hotel room through southwest Airline. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
I have tried to call BOA several times, been transferred and the line disconnects or I am placed on an endless hold. No resolution.

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 2021-09-27
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 is missing that should be on the report

Complaint:
Equifax removed my current and previous address from my credit report. I contacted the representative at Equifax and was told my correct address and previous address will be added to my credit on Equifax and they have not done so even though i sent in my ID, Social security, a banking statement showing the current address. Because of this inaccurate and incomplete information my Leander for my mortgage company was not able to get my credit. 

I need the current and previous address to be shown as follows : ADD MY CURRENT ADDRESS XXXX XXXX XXXX XXXX  XXXX FL XXXX ADD MY PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: FIRST NATIONAL BANK OF OMAHA
State: SC
Product: Credit card
Issue: Bankruptcy

Complaint:
I have repeatedly Tried to get the First National Bank of Omaha to correct it reporting of my account information to the XXXX major credit reporting agencies. In every instance, they failed to correct their miss- information. XXXX says they have checked the information but that is an outright lie because if they had it would have been changed. Their actions have a major impact on my credit score and should be changed to reflect the current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I missed a mortgage payment for XXXX 2015. Once I realized this on XXXX XXXX 2015 I sent both XX/XX/XXXX and XX/XX/XXXX mortgage payments using my XXXX account. 

US Bank has reported that I was 60 days late on my mortgage and not 30 days late as was the case. I have called several times, disputed the item with the credit bureaus, had my attorney send them letters requesting correction, had a credit repair firm dispute the item several times, and finally I have written a letter to their dispute department requesting this item to be removed. As of yet US Bank has not corrected this erroneously reported information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 received an erroneous letter from Wells Fargo stating XXXX XXXX XXXX XXXX is insuring me for an effective date of XX/XX/2021 instead of XX/XX/2021 for my home owners insurance. They are trying to make me responsible for XXXX that is not my fault.

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 2021-09-27
Company: EQUIFAX, INC.
State: IN
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:
Confirmation : XXXX XX/XX/2021 fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

I informed the creditors via a letter sent by mail. I also informed the credit bureau Equifax via fax which included my ID, SSN Card and FTC Report. The bureau claim to of deleted the inquiries but XXXX XXXX and XXXX continues to report on my credit report and has never been deleted. I have kept a close supervision of my report daily and am subscribed to Equifax daily updating on my credit report services. This is a violation of the FCRA laws and if this is not resolved immediately I will be filing a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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