BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had this account for several years with Chase. I opened it when I lived in the USA and I kept it open when I came back to XXXX, because it was free of charges. I've never paid any fee. 
A couple of months ago I received an email from Chase telling me that they decided, unilaterally, start charging me XXXX dollars per month for my account maintenance, which is an invitation to leave. I don't live in the USA, I don't have an income there, so it's impossible for me to reach any of the conditions required to avoid the fees. 
I assume that Chase is allowed to change the conditions to their clients, but they should give us an exit way free of charge. In this sense, I'm asking Chase to agree a solution of the problem in one of the following ways : ( 1 ) I close the account and they send me the funds to XXXX, paying all the costs associated with the transference. We finish our commercial relation and I keep my money unaltered. 
( 2 ) I maintain the account open, and they waive the charge of fees. 
They denied both and they are forcing me to either, pay the maintenance fee or paying the costs of transferring my money to XXXX to be able to close the account. 
I dont agree with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to create and an account with Money Lion for their roar money account however they denied opening an account to me because they could not verify my identity. I have two last names which their system only allows if the names are hypenated, mine are not. I submitted documentation ( my ID and marriage license ) to provide verification but my account was denied. Due to the denial I asked if my information including my social security number, name, address and email address could be removed from their database to which I was told no. I was informed that they would retain my information but only deactivate the account. I simply want my information removed if I can not monitor its use and was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The bankruptcy was discharged in XX/XX/XXXX which included the house and the property was removed from my name in XX/XX/XXXX by XXXX XXXX XXXX. In the past week I have received 3 letters and 2 phone calls stating that I am delinquent when the house is owned by someone else and has been for 5 years. I have no credit with XXXX XXXX XXXX. When speaking with a person from XXXX XXXX XXXX, they said the mortgage was closed XX/XX/XXXX, yet I received phone calls after that conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call from United Collection Bureau or as they call themselves UCB. I was told that I have to pay my XXXX Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called XXXX of their offices, and spoke to a XXXX XXXX who claimed to be the XXXX. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX XXXX XXXX daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.

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 2016-11-22
Company: Credit Management Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I know CFPB is getting tired of me but until this stops I have no choice. 

I have submitted two complaints to CFPB concerning a medical bill that is not mines that had been reported by XXXX Case Number XXXX & XXXX. It was proven that they had been lying about this file and kept reporting this even though the file had been proven to not be mines and lying to CFPB about them deleting this file. Notice after I proved that they were lying they never responded back. The reason they never responded back was because they were to busy finding another collection agency to report the false file. XXXX sold the file to Credit Management Control and they have reported this in both XXXX and XXXX reports. This is really getting out of hand and I am about ready to take legal action against these people. This medical bill is not mines and it had been proven with XXXX. Why is this file jumping from XXXX collection agency to the next after being proven false?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: DE
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Square Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/20, I noticed discrepancies in my checking account. I immediately contacted my bank and closed my bank card. I then made numerous attempts to the CashApp in which I was directed to contact XXXX XXXX. By attempting to contact XXXX XXXX   proved to be futile except for hearing announcement indicating that there seem to be scams going on with CashApp. 
When I contacted my bank, they wanted a history of the transaction from CashApp in which there was none that I could have located. I then decided to file a complaint with cfpb for resolution. 
This is the history of the activity in question regarding my checking account that is affiliated to my CashApp. 
On XX/XX/20, there was a {$500.00} deposit into my CashApp. id # XXXX. On XX/XX/20, {$10.00} was taken out of my checking account, id # XXXX. On XX/XX/20, I sent {$50.00} to my son 's teacher via CashAp : id # XXXX. On XX/XX/20, an amount of {$14.00} was taken out of my checking account, id # XXXX. On XX/XX/20, I noticed {$19.00} was taken out from my checking account id : # XXXX and on that same date, XX/XX/20, for the same amount, {$19.00}, same id # XXXX. Then, on XX/XX/20, {$14.00} was taken out, id # XXXX. On XX/XX/20, I received {$500.00} from CashAp id # XXXX. On XX/XX/20, {$19.00} was taken out from my checking account that is affiliated with my CashApp, id # XXXX. On that same date, XX/XX/20, another transaction for {$26.00} was again taken out from my checking account, id # XXXX. On XX/XX/20, {$19.00} was again taken out id # XXXX. On XX/XX/20, {$26.00} was again taken out form my checking account, id # XXXX. On XX/XX/20, {$46.00} was taken out again, id # XXXX. Then on the same date, XX/XX/20, {$49.00} was taken out of my checking account again, id # XXXX. Another transaction took place on the same date, XX/XX/20 for {$49.00} again, id # XXXX. On that same date, another transaction took place for the amount of {$49.00}, id # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Without notice, explanation, or legal authority, XXXX XXXX has revoked my ability to suspend direct debit payments. Despite the fact that I pay by bill in full each month before the direct debit withdraw date, XXXX intends to withdraw an additional full payment from my savings account. In other words, I pay ~ {$480.00} to fulfill my monthly obligation before the XX/XX/XXXX of each month. On the XX/XX/XXXX, XXXX intends to withdraw another {$480.00} payment to my great detriment. I should have the ability to suspend this withdraw. I possessed that ability for the previous six months. Upon information and belief, XXXX revoked the suspension ability in retaliation for my whistleblowing activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account by XXXX XXXX XXXX is clearly staying that it has INACCURATE information reporting under my social security number. Its states invalid date on the report. I have asked numerous times for this account to be removed due to it not being accurate nor validated as the law requires. XXXX has finally removed it because they understand their fault, however Equifax and XXXX continues to deny my right of only accurate information reporting with MY consent! They continue to falsely CLAIM its validated! Not only does it clearly state that it is reporting an inaccurate date, it stated the account was transferred to another party with no name or address to that party ( another violation ). How can I properly dispute this information when no accurate information to contact these people are given! Again denying my consumer rights! Lastly, it states this is a closed account, yet it is reporting monthly activity further harming my credit and contributing to my mental anguish and financial detriment! 

Do not update my report, do not respond that Im an unauthorized party or you cant verify me. My id is attached and I have provided my ssn and email address! 

P.S. I also see that Equifax is disputing the wrong account. I never ask to dispute the other XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My personal information on my Transunion credit report is inaccurate. This is my second request to have incorrect addresses and names corrected on my report. This is a violation of my consumer protection rights.

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 2015-05-19
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX ( Pain management clinic ) gave United Collection Bureau based out of XXXX, Ohio a copy of my medical records, that includes my medical diagnosis, treatment plan, and health insurance information, including my health insurance policy number, group number, and the amount paid to my insurance company. I feel that this is a violation of the XXXX act. I know third party collection agencies can contact doctors, or hospital 's to obtain information in relation to collecting a debt, but I also know they are not allowed to obtain my personal account information, such as the ones described above. I want to know why United Collection Bureau needs to have a copy of my health insurance information including my policy and group numbers and the amount that was billed? i know the information is used to collect a debt, but I was not notified by my pain clinic, that amount was due. So I did n't get ample time to rectify the situation. I feel that United Collections Bureau, does NOT need to know my personal health insurance information policy number and group number, to obtain the amount of debt that I owe. The first time they phoned my house it was a human that tried to sound like a robo-call. Whoever was doing it, does n't realize that I have a voice mail and screen my phone calls, so she was leaving the robo-call message on my voice mail and not actually speaking to myself in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: ORG GC GP Buyer, LLC
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Original loan amount {$2300.00}. yes just {$2300.00}. 
collected to date directly out of my social security {$4000.00}. 
and they still want another {$1000.00}. and continue to add what appear to be made up charges. 
When is this morally wrong? 
{$4000.00} minus original {$2300.00} equals {$1700.00} profit, but they still want another $ XXXX+ Collecting over XXXX %? How can this be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a online account with Ally Bank. My brother in life was helping me get through financial hard times so he set up a XXXX a week direct deposit from his payroll. He also XXXX money into the account. I gave him online access to my account. After 8 weeks of direct deposits Ally froze my account and failed to give me access to my money. Now over XXXX. I've talked with many people at Ally Bank that continues to lie. They told me 8 times they would send me my money. They have not. They know there is no criminal activity yet are holding my money hostage.

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 2016-02-05
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an account with Green Tree/Ditech. I 've been paying this mortgage for 17 years. In XXXX 2015 I received a check from GT/Ditech. The statement read the amount was not enough to reinstall the loan. They accused me of missing a payment. A payment was n't missed. I have carbon copies of all my checks I 've sent them. I have continued to make payments & return all the checks they have sent me. GT/Ditech are charging me outrageous fees & legal fees. They have even hired an attorney to take me to court. This company has caused me so much grief & pain over craziness. They need to be stopped. My payments are {$490.00} a month. GT/Ditech is stating I owe them over {$6000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I claimed bankruptcy almost 7 years ago. XXXX XXXX XXXX and XXXX will not accep. The discharge and have been affecting my credit score for years. Now Ditech has taken over the mortgage. Bankruptcy discharge. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: IL
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 reviewed my Equifax consumer credit report and file and the following inquiries are unauthorized : XXXX XXXX XXXX  XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX/EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX EQUIFAX UPDATE XXXX XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The complaint is about www.coinbase.com. I am XXXX XXXX citizen. In the XXXX they are registered as : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX They are a platform which supposedly allows the purchase of virtual currency against XXXX or USD. Their process is such that an amount is sent to them via Credit card or bank transfer ( XXXX in XXXX ), then you see the money in your account and can buy virtual currency if you want to. 

On XX/XX/XXXX I made a XXXX bank transfer of XXXX XXXX to the XXXX XXXX and XXXX given to me by XXXX. Two business days later the amount was still not visible in my coinbase account, so I submitted a request to their support team. Later that day I got a vague email ( an automated response ) that they are working on my case and others. No further response ( its been now 11 business days since the transfer was made ). I have send multiple responses to this email, and there is virtually no response from them ( I feel that 8 business days is more than reasonable )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX separate attempts once on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 i sent validation letters to AD Astra Recovery Services to have them verify the debit that is owed. They refused to give me proper debt validation, in which i invoke my rights under the Texas XXXX to have certain information be provided to in which they have not provided. They also marked my file as disputed when I clearly did not dispute anything let alone send them letters under the FDCPA. Since they have n't given me proper validation under the Texas XXXX which requires them to either validate within 30 days properly or they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-05-08
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in remediation for debt collection. Some creditors have settled. They have not. They are only supposed to contact me through the lawyer, but I am getting harassing calls on my cell, at home and at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: Turning Point Solutions LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I keep getting messages from some company that I have never heard of threading a wage garnishment for what I do n't know. When I call the number left in the message it 's to an employment line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received call from IQ Data debt collectors claiming I owed {$1200.00} in fees from apartment lease. I moved out in XXXX of 2014 and they claimed there were fees racked up in XXXX of 2014. Another person took over the lease and I had nothing to do with it from XXXX, 2014. I received a call from a lady with IQ and she was very rude and insinuated that she 'd heard this type of claim before, insinuating that I was lying. I told her that this debt was not mine and I had nothing to do with it, she threatened If i did n't pay it, it would report to my credit. I told her again it was not mine and she said she 'd notate on the account that i was disputing but that i had to call her back and make arrangements. I sent a certified letter to their headquarters stating I disputed the charges and to not report anything on credit. I also called the apartment complex, and was told that they never once sent anything to collections regarding my name, only the lease holder that took over my lease. They must have researched the previous lease holder, which was me, and tried to collect the debt from me. I called them again to let them know of the information I would be sending over and again they were very rude on the phone, rushing me off and instead of giving me an address to where I can send the docs, telling me to call back to speak w/an account manager.

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