BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a Chase bank checking account since XX/XX/XXXX. I made a deposit on XX/XX/XXXX at the Chase bank branch in XXXX XXXX, CA. 

The deposit total was {$1200.00}. The payment was made with 3 money orders in the amounts of {$500.00}, {$500.00} and {$210.00} respectively. 

I received a receipt from the bank deposit in the amount of {$1200.00}. 

On XX/XX/XXXX I see an adjustment to my account made by Chase debiting my account in the amount of {$290.00}. The reason noted was unintelligible stating that this was an adjustment to a deposit made for {$500.00} on XX/XX/XXXX. Chase never sent a letter nor email of explanation. 

i called Chase bank at their toll free number of XXXX i asked what the adjustment was regarding and after being placed on hold many times, I was told they did not know and to visit a Chase bank branch. 

i was transferred to a " manager '' who had a bit more information ; they stated the money orders were entered incorrectly and this adjustment was made. They directed me to the digital images of the money orders they provide online, the money order amounts were illegible. The " manager '' stated that they too could not see the money order amounts, but assured me that the amounts were {$500.00} {$210.00} and {$210.00} and not the actual values of {$500.00} {$500.00} {$210.00}. The informed me they could not see the totals and the only was to show proof of the money order amounts was to show the receipt. 

It was very difficult to find the copies but I did. I walked into the brand and showed the money order copies as well as the deposit receipt. They accept the error was made and promised an adjustment, which as the date of this filing they have not credited the {$290.00} to my account. 

I contacted them again today for the status of the credit and they said I provided the wrong copies, yet they still can not see the digital copies of the money orders they accepted. 

i am confident the copies will stand in court if that becomes necessary my greater concern is how they make digital copies of checks and money orders they make available to customers. Apparently, even the bank relies on these images and when images are not scanned properly, they rely only on guessing and shift the blame to the customer when an error occurs. 

Chase bank has shifted to an app-based or web-based bank. Bank branches do exist but the employees and managers of said branches rely on the same source for information as does the customer. So when a check, or in this case money order is scanned, if it's illegible they shift the responsibility to the customer to show proof if an error occurs and completely disregard the deposit receipt provided by the bank at the time of deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-02
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Since XX/XX/XXXX, my Coinbase account was locked and now I no longer have access to my coins / funds on Coinbase. I have 4 Ethereum on the account and 4 more Ethereum which I was supposed to receive XX/XX/XXXX / XX/XX/XXXX.  I was ( and still am ) really worried about my Ethereum and they are worth a lot of money and I paid a lot for them and plan to keep them for investment purposes. I emailed Coinbase support the first day but got an automated reply saying I should contact them at https : //support.coinbase.comXXXX so that 's what I did. I did n't get any reply so I contacted them again 35 minutes later and gave them two different phone numbers that they can call me on so I can discuss with them but they just replied saying they are working with a specialist so they can address it properly. I waited over 3 hours and I was really panicking so I contacted them one more time only to get no reply, no call, nothing. I tried to contact one of the Coinbase support members, XXXX, through XXXX that day and still no reply. I contacted another Coinbase support member, XXXX, through XXXX the following day ( XX/XX/XXXX ) and still no reply. I tried to contact Coinbase support again on XX/XX/XXXX and still no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Kirkland Asset Management LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive received several called over the last few months from this company. They never revealed their name, address or number. I never received any correspondence via US postal service. After asking them to stop calling my ex husband they called him again. After telling them they were supposed to give me written notice of this debt, I was sent an email that went into my junk mail that I just found. Therefore I just found out the name of the company. Ive tried on several occasions to contact at the numbers left, left voicemails with different names yet no company name on the voicemail. No return call. Today I received another voicemail stating they were coming to my job. I called back, got another voicemail no call back. They have never stated the company nor what the debt is for. Nor have they stated I have the right to dispute it. I have also not received anything in writing to show I owe this debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: PA
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:
in accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX  violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my files : XXXX : XX/XX/1971 XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a XXXX prepaid card from XXXX XXXX for overcharges on my account when I closed out the account in XXXX. The XXXX card is issued by Citibank , N.A . pursuant to a license from XXXX XXXX XXXX. The amount of the card balance was around $ XXXX {$16.00}. The card number is XXXX, security code XXXX, with an " good thru '' date of XXXX ( XXXX XXXX ). 

On attempting to use the card in XXXX XXXX and XXXX XXXX, it was rejected at purchase site ( s ). I called the toll-free number for customer service on the back of the card, XXXX. The Citibank customer service agent told me that the card had a {$0.00} balance because after 3 months the bank starts automatically deducting {$5.00} on the first of every month from the card balance for maintenance fees. Therefore, the entire balance was eliminated in maintenance fees. I explained that no where on the card did it explain this feature of the card and any card-holder would be unaware. Nice way to make generous profits for Citibank. The agent explained there was nothing that could be done except discard the card as it was no good any longer. So I lost the entire amount of the card due to Citibank not explaining to the cardholder the maintenance fee associated every month. Gift cards should not have maintenance fees or " GOOD THRU '' dates if that is the policy to erode the card balances with fees. It is really not GOOD THRU any predetermined date. 

I believe this is a very, very unethical practice and should be stopped or make Citibank pay a substantial fine for unethical behavior to consumers. It is really theft by deception!

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 2017-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( Portfolio Recovery Assoc, LLC ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea, but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

XXXX and XXXX at XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was Getting A hard time from Both Customer Service And Special Handling Department.They Both Gave me A Runaround As to finding out If they Recieved my Fax about the Collections, And Hard Inquiries.I am A Victim of Identity Theft.And I am Trying my Best to get this Handled in a Proper Manor.I am a victim of The Inquiry Issues Stated.They told me nothing.

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 2022-09-01
Company: Credit Karma, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 Credit Karma suggested I applied for a XXXX XXXX Credit Card, through Credit Karma, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. I tried to locate a number for Credit Karma to speak with a personal customer service about my concerns. But could not locate a contact number on Credit Karma 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with XXXX and XXXX XXXX representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had transfer a fund through XXXX XXXX in the amount of {$2500.00} to Coinbase, Inc Account from my XXXX  XXXX XXXX checking Account on XX/XX/2017. It says the fund would be available the next day, since I made the transaction after XXXX XXXX, but it has been 3 days and the fund is still not been available in my account. I tried to contact their customer support but they do not respond with the status of my transfer. All they send is an email saying the following : " Thank you for submitting your request. We have received your request and are working on responding to you as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: LEXISNEXIS
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:
On XX/XX/XXXX I placed an order for a consumer report with XXXX XXXX. During which time I received the report approximately a week and a 1/2 later. Upon reviewing the report, majority of the information, had discrepancies, so I carefully went through and marked off all of the inaccurate information. I then contacted XXXX XXXX a few months later in XX/XX/XXXX and requested that day do an investigation and remove the inaccurate information. I ask how long it should take in the representative explain to me approximately 30 days, during this call I also literally went from page to page ( 25 ) expressing to the representative each thing that was incorrect, This Was time consuming. 

90 days had went pass and I had never received a response from XXXX XXXX, so I decided to call again. When I called the 2nd representative, initially said that there was no information in the system about me requesting inaccurate items to be removed. She then had to go into a different system and found my initial requests, that initial request still did not display all the items I requested to be removed meaning the initial rep missed some things. The new representative apologized and explained to me that the initial request was never submitted, she verified all the things that was in the system, and she then resubmitted it. 

This was back in XXXX around the XXXX. It has now been over an additional 30 days and the second rep assured me it will be expedited because the initial representative did not submit the request the 1st time. To date i still have not received a response and i feel if i call again it would just be the run around. 

This information is financially harming me by showing inaccurate info on the major credit bureaus, as this is the source they use to verify info on my credit file. As A result it 's not allowing me to get the best rates on credit card and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 at XXXX I received an email to my personal email account about a new Chime account that had been opened in my name. I did not open this account. I simultaneously received an email about a new login into " my '' Chime account from an android device in XXXX, Texas ( which was not me ). I originally brushed this off as spam to try and get my personal information but became more concerned when I received additional emails from Chime that seemed more official about welcoming me, sending me a new debit card, and also receiving a referral bonus. At this point, on XX/XX/XXXX I contacted Chime and let them know that there had been an account opened in my name fraudulently and to please close said account and to additionally advise me on what to do. I received an automated reply saying that they had received my email and I have heard nothing further. However, hours later, I received an email that {$200.00} had been deposited into my Chime checking account, which unlocked the debit card feature. Additionally, this afternoon on XX/XX/XXXX, I received a series of emails. The first explaining that my credit builder card had been shipped to my home address, and several emails following of several different people sending me a " {$5.00} XXXX XXXX '' which unlocked the account 's " XXXX '' feature, all followed up by a purchase at XXXX of {$360.00} to " XXXX XXXX '' that was approved and was " spotted '' {$60.00} leaving the account balance at- {$60.00}. At this point, I looked up the procedure on how to handle fraud and since I had already emailed the company Chime, I reported fraud to the credit bureaus. I also attempted to make this account unusable by whoever was using it by trying to recover this account 's password and then changing it, but when I submitted the " forgot password '' form, and instead of the security code going to my email, it went to a phone number that I did not recognize ending in XXXX. So I could not do anything further so I then sought to file a report with the Federal Trade Commission which redirected me to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/20 I went to Keybank on XXXX XXXX XXXX XXXX NY to open a checking account. I received a flyer in the mail that if I opened a new checking account with Keybank they would give me a {$400.00} bounus. After they made a profile, they started to open an account and told me that thei was a problem with my XXXX   account. They told me to call XXXX and would not open an account until the issue was resolved.. The XXXX report had no issues except that on the same day Keybank tried to open my account they put an incorrect address in my profile. I contacted Keybank and they told me they would work with an Executive Lead to get the XXXX error removed. I did not hear back and asked that the branch manager get involved. I still have not heard back from them and they do not answer my emails anymore. 

The 2 issues are : Keybank put an invalid address in my profile which I need corrected Keybank is not honoring their {$400.00} bonus..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Comerica
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:
Debit card cloned (? ), XXXX in cash withdrawals and XXXX XXXX transfers in 2.5 days. 

I informed the bank asap on XX/XX/XXXX. They claim to have sent a denial letter XX/XX/XXXX saying that because I had possession and was using the card during this activity there was no error on their part per the EFT act. I have made them reopen the investigation which they allegedly performed in less than 24 hours. The cash was taken from an atm at an address that appears on the statement. The XXXX in XXXX XXXX transfers were done in increments of around {$900.00} each. I filed a police report yesterday XXXX banks fraud unit did not not encourage this when we spoke. I asked if I should, they said I could but that the police wo n't do anything, and that this was obviously fraud. ) Bank claims they did n't flag the transactions because the pin was used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-02
Company: WATERMARK CAPITAL, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We believe that Watermark has violated the Loan Estimate that they gave us, and we need your help to get our money back. 

We recently used XXXX XXXX XXXX to finance our purchase of our current residence. Our official loan estimate ( formerly called a good faith estimate ) said that we would receive a {$1400.00} lender credit to offset the {$1400.00} origination charge on our loan. However, we only received a {$620.00} lender credit. The difference was attributed to a charge for a rate lock that we do n't believe should have been issued ( explained below ). 

We purposely scheduled closing on XXXX XXXX, 2017 to avoid any rate lock costs ( we provided paperwork to them confirming this - it actually involved a formal change to our purchase agreement ). A few days before closing, and after our financing contingency expired, Watermark said that because they had made a mistake on the closing disclosures, they would have to resend the closing disclosures, and in order for them to sell the loan to XXXX, that necessitated a four day wait between sending revised closing disclosures and closing, meaning that they needed us to close on XX/XX/XXXX, rather than XX/XX/XXXX. Watermark then charged us {$870.00} for a rate lock for the extra day. We do n't believe that we should have to pay for this because A ) both us as the buyer and the seller were ready to settle on the XX/XX/XXXX B ) the change in date was for Watermark 's benefit ( so they could sell the loan ) and C ) the need was due to their error. We raised this issue at the time, but Watermark said that they could n't change it in time for closing ( which was just a few days away ). 

We previously tried working with Watermark through the Better Business Bureau ( https : XXXX? section=complaints ), but they blew us off. Looking at the other consumer complaints, it looks like this has happened to other customers of theirs. 

Thank you for your help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see attached dispute letter. 

Also, this account was previously deleted with XXXX XXXX Account Number XXXX ; XXXX XXXX, Account Number XXXX ; and XXXX XXXX XXXX XXXX Account Number XXXX. I am not sure why the account keeps getting resold when it was legally deleted from my credit report for violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Everyone I have disputed it with as deleted it because they have failed to provide proper validation and verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation