BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgment on my credit from XXXX XXXX XXXX XXXX in XXXX XXXX, MD. I paid off this judgment on XXXX/XXXX/2012, but it has remained on my credit even after speaking with the attorney 's office who accepted my payment on behalf of the XXXX XXXX XXXX. They have n't updated the major credit bureaus of my pay off thereby causing a severe negative impact on my credit.

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 2022-04-12
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sold $ XXXX XXXX coin on XXXX. They transferred $ to Coinbase via their XXXX XXXX network. Coinbase wouldn't accept this and $ in the clouds/big hole. 
XXXX should never have used XXXX knowing it wouldn't be accepted. Coinbase should have refused it and returned to XXXX. I would have then transferred to my checking account. 
The consumer is totally unaware that these 2 major exchanges have this problem. They shouldn't be allowed to go unchecked. We don't know these transaction methods. XXXX encouraged their XXXX. Coinbase should have returned XXXX Both companies are unwilling to help. 
I'm not alone. 
PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
On XXXX/XXXX/2015 XXXX willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe XXXX any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against XXXX.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!

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 2017-03-07
Company: COAST PROFESSIONAL INC
State: VT
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had consolidated my federal student loans and they never sent me a letter saying my XXXX would be garnished or that I would be in default of my loans soon. As far as I knew when I logged on to my XXXX it said my loans were forgiven. COAST PROFESSIONAL XXXX SENT THE NOTICE TO THE WRONG ADDRESS, AND IT WAS N'T EVEN IN THE RIGHT STATE! THEY HAVE N'T BEEN HELPFUL AT ALL. So now my XXXX payments are being garnished every month, which it was already hard enough to live on what little income I was receiving, now it 's almost impossible. If there is anything you can do to help let me know. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received email stating an incorrect address has fraudulently appeared on my credit report through Experian. This address was submiited by XXXX XXXX. It is not my address nor has it ever been my address. It has been placed on my XXXX account four times since XX/XX/XXXX causing my account to be compromised and closed each time. XXXX would not try to help me. Please advise me on how I can proceed with having this issue resolved or these people prosecuted for committing fraud.

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 2015-12-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I have been involved in an ongoing disagreement with the Amazon credit card firm -- Chase Bank USA NA regarding their credit card rules and a disputed late fee charge which is now compounding. I owe no other monies to said firm ; only the late fees and penalties are in question. I just got off the phone with their representative, XXXX XXXX. She told me nothing would be done to explain, correct or ameliorate the situation and " have a nice rest of your day ''. She told me that I was properly informed regarding the cancellation of said card and that according to the recording of the event I was given 30 days to redeem my points. I do n't know if XXXX XXXX is lying or merely misinformed but this was not the case. Nor did anyone at any time make any effort to explain to me what are the actual rules regarding my usage of the Amazon/Chase credit card. I doubt that this further effort at seeking equity will make any difference but at least I will have made a formal complaint against and company and policy I consider to be entirely wicked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2017-10-06
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This claim is for false insurance interpretation that XXXX XXXX group intentionally lied about and did not coordinate with my insurance company XXXX. After my first XXXX session, I was informed that XXXX WAS COVERING for the XXXX and that all I needed to pay was a co-pay every time I went in for XXXX. I paid my co-pay every time of {$40.00} per visit. After my nine sessions of XXXX had been completed, XXXX XXXX XXXX sent me a letter of past due balance for the complete amount that XXXX was supposed to be paying. They intentionally did n't tell me that XXXX was n't paying so that I would not stop coming to their facility and they could charge me at the end. They lied to me in order to keep my business. If they would have been honest from the start and told me that my insurance company XXXX was n't going to pay then I would have located a clinic that XXXX would cover for my XXXX. It was n't too long before XXXX XXXX XXXX transferred my account to your collections company AR Resources Inc.so that they could close their books on their end and receive their funds. 
This debt is not owed and illegal as deceptive practices were committed to put their own profits ahead of the interests of their patient. This alleged debt is in violation of the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on  XXXX   XXXX   Capital one  received a ceritifed letter from me requesting validation on this debt for the amount of  XXXX  that shows charged off. As of today i have not received any notification of any sort regarding this validation of debt showing my signature. In looking at my credit report today,  XXXX  does not show this marked disputed ( in violation of law ),   XXXX   says resolved by grantor ( my dispute was never answered ). How did they resolve it?  XXXX  s hows notes resolved by subscriber ( my dispute was never answered ), which has never been resolved. The information Capital one has given the CB (   XXXX   XXXX   XXXX   ) are false, as this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
Every month charged interest when the purchase balance from the previous month is LESS then the payments made. Paid more each month than previous charges. The average daily purchase balance is Wrong. Its seem Chase Freedom is lumping the Promotional Balance Transfer offer, 0 % interest until 2016 into the Average Daily purchase Balance. Which is therefore charging interest. 
Interest should only be charged on the new purchase balances only, not the promotion balance transfer offer amount. The balance transfer offer is separate than purchase balance. What is a promotional XXXX percent interest on balance transfer if your now charging thebalance into the average daily purchase balance with recurring purchases? 

Was I supposed to not use the card while I paid off the balance transfer? That was never told to me. NO other credit card does this. NOT Fair, very misleading. Even the statement shows the sections separate, as Purchases, Balance Transfer, and Cash Advances. How can you then lump it into the Purchase average balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX  XXXX XXXX 2.FXXXX XXXX XXXX  3.XXXX XXXX XXXX 4. Law offices XXXX 5.XXXX XXXX 6.XXXX  XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX 9XXXX 10XXXX XXXX 11.XXXX XXXX 12.XXXX  13XXXX XXXXy XXXX 14.XXXX  XXXX XXXX. XXXX credit 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-08-17
Company: SERVICEMAC, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/2022, the annual escrow account disclosure statement was mailed to me, showing an overage of {$3500.00} and stating that the escrow refund check would be mailed to me in a separate envelope. 
After XXXX weeks, I called the company as I had not received it. They said it would take another XXXX weeks. 
On XX/XX/XXXX, I called again and they said they would put a stop payment on the check and would instead deposit the money directly into my checking account and it would take XXXX business days. 
I called this morning on XX/XX/XXXX, and they said that they are unable to do that and instead they reissued a check yesterday. I asked to speak to a manager and was put on indefinite hold. I advised them that federal law requires that I have the refund within 30 days and they have not done anything to assist 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 explanation
Consumer complaint received 2020-03-27
Company: Kentucky Higher Education Assistance Authority
State: TN
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:
KHESLC is telling me, that my account doesnt qualify for the student loan interest waiver due to COVID 19. My loaned are not FFEL loans, they are federal loans ( they were taken out prior to 2010, but still federal loans ). KHESLC states they arent eligible. How is this possible, the interest rate should absolutely be waived for The duration of the period outlined in the COVID stimulus bill. My account # is XXXX. My name is XXXX XXXX XXXX. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Bought a car in XXXX they made about 13 hard inquiries but there was only suppose to be one inquiry then i applied for a soft pull prequalify and they more hard pulls again multiple times this year that i didnt authorize at all because im not in the market for a car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Received credit of XXXX in XXXX from care credit/synchrony bank. 
I paid {$200.00} in XXXX with a {$170.00} min. Due. promotional 24 months zero interest. 
My XXXX  Where the original credit came from then issued a credit of {$2900.00} on XXXX. Left a balance of {$900.00} I called then because they were still charging me {$170.00} min due on a {$900.00} balance. 
I had it on auto pay so they would take the minimum due a minimum due this month was XXXX but yet they still took {$170.00} out of my bank account for the second month in a row. 
I contacted them 63 by email three by phone. 
Every time they assured me that it was their mistake and it would be corrected. See enclosed letter.

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 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22, I called Bank of America to dispute XXXX " XXXX XXXX  Refund '' charges that I noticed on my card account ; the associate I spoke to indicated that a someone had called and impersonated me, asking for my last posted payments to be refunded to another account. The associate indicated that these were fraudulent charges and that the call was marked as a fraud attempt, but somehow the charges were allowed to proceed. The associate indicated that they would do an internal investigation, that there was no way to send me a record of the case or call itself, and that the fraudulent charges would remain on my credit card during the course of the investigation ; I stated that I was not comfortable with this approach, that I would prefer they remove the fraudulent charges, especially considering the fact that fraud had already been identified, and that they send me some verification via email to confirm that this case was opened and that they were in fact investigating the issue in good faith. I am filing this complain with CFPB as a secondary measure to track the issue and in the hopes that you can provide some assistance to me to deal with Bank of America on this 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 monetary relief
Consumer complaint received 2020-03-27
Company: Dovenmuehle Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home XX/XX/2020, and my loan was paid in full. 

Today is XX/XX/2020, and have yet to receive my escrow refund of {$1800.00}. 

I've contacted Dovenmuehle on seven different occasions to be told when I'd receive my check. My last three conversations in the last three weeks have been that they've issued the check and I should be receiving in the mail. Multiple times I've called them back to ask where my check is to find out that the previous person I spoke to on the phone never actually issued it like they said they would. 

The amount of days they've held on to my funds is a clear violation of RESPA, and they need to be held accountable for dropping the ball on my family so many times. 

At this point, I can't even call their office to speak with customer service. If this goes on any further, I'm forced to seek legal council. 

I've also reached out to them over their websites messaging system. This is the message I sent on XX/XX/2020. 

" Hello, I'm closing on the sell of my home today ( XX/XX/2020 ), so I'm requesting a refund of my escrow balance. 

I've been told it takes 15 days to receive a refund, so I'll be expecting to receive the check by or before XX/XX/XXXX. 

Thanks, XXXX XXXX '' -- -- -- -- -- -- -- -- This is the message I received on XX/XX/2020. 

" Dear XXXX XXXX XXXX, This is in response to your inquiry regarding your remaining funds in your escrow account. We apologize for the delay in our response. 

Our records indicate your loan was paid in full on XX/XX/2020. An escrow refund of {$1800.00} was issued on XX/XX/2020 and sent to your mailing address on file. Please allow up to 15 business days for it to arrive. 

The appropriate release of lien documents were prepared for this loan within state-defined timeframes and sent to your county recorder 's office on XX/XX/2020. 

Please contact your taxing authority and insurance carrier to let them know to send any tax bills and/or insurance bills to you as you are now responsible for making tax and hazard insurance payments. 

We appreciated the opportunity to service your loan. 

While we believe that this response fully addresses the concerns outlined in your correspondence, should you have any further questions, please contact our Customer Service Department at XXXX, or you may respond directly to this message. 

Sincerely, Research Department '' -- -- -- -- -- -- -- - Again, they've resolved nothing. I've been very punctual with checking in on the status of my refund, but I still have not received anything. Dovenmuehle needs to be held accountable for mismanaging my escrow account, and withholding the money that I put into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Servis One, Inc., Titusville, PA Branch
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Six months ago I submitted an application for a loan modification after I had XXXX problems and XXXX renters who gravely violated the lease with not paying their rent, leaving debris and garbage all over the yard, inviting other folks to live with them, bringing in a trailer for even more people to live in, growing drugs and destroyed the electric meter by trying to slow it down. Spending over three months and expensive attorney bills to get them out, another month to clean and repair, replace appliances and find new tenants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called and sent out letters letting both companies XXXX XXXX bank and XXXX XXXX letting them know this account was fraud and not my account.

Company response to consumer: Closed with explanation