BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: MI
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:
On  XXXX    XXXX  ,2017 there was an inquiry on my credit report from  XXXX   XXXX  and I did not authorize this or sign any applications.

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 2015-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for and received a mortgage modification. However, the amount that my lender acquired to finance my modification far exceeded what I believe to be appropriate for my loan. As a result, I am repaying approximately twice what I calculated necessary for gap financing. I am seeking relief in the form of a determination of what was actually required to bring my previous loan current, and an adjustment of my loan to reflect that amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
OM MULTIPLE OCCASIONS I WAS CONTACTED BY CBA IN REGARDS TO DEBT COLLECTION. I RECENTLY PAID OFF SEVERAL ACCOUNTS I HAD LISTED WITH THIS CREDITOR AND NEVER HAD A PROBLEM WITH CUSTOMER SERVICE UNTIL XXXX OF THIS YEAR. THE YOUNG LADY THAT GOT ASSIGNED TO MY ACCOUNTS WAS VERY RUDE TO ME EVERY TIME SHE CALLED MY CELL PHONE. i EXPLAINED THE PRONUNCIATION OF MY LAST NAME AT LEAST 3 TIMES IN ONE CALL AND THE YOUNG LADY CONTINUED TO PRONOUNCE MY NAME WRONG EVERT TIME SHE SAID IT AS IF SHE WAS MOCKING ME FOR CORRECTING HER PRONUNCIATION. THE YOUNG LADY CALLED ME A XXXX BEFORE HANGING UP IN MY FACE. I THEN CALLED BACK TO THE CREDITOR AND ASKED TO SPEAK TO HER MANAGER AND HAD TO WAIT ON HOLD 30 MINUTES FOR THEM TO TELL ME THAT SHE WOULD GIVE ME A CALL BACK LATER THAT SHE WAS BUSY. LATER THAT DAY THE MANAGER RETURNED MY CALL AND WAS INITIALLY RUDE TO ME ON THE CALL AS WELL. WHEN I EXPLAINED THE SITUATION TO HER ABOUT THE LANGUAGE USED AND THE TERRIBLE CUSTOMER SERVICE USED DURING THE PRIOR CALL WITH HER ASSOCIATE SHE BEGAN TO CALM DOWN SOMEWHAT AND LISTEN TO WHAT I HAD TO SAY. I EXPLAINED TO THE MANAGER THAT I WAS PREPARED TO MAKE A PAYMENT ON ONE OF MY ACCOUNTS AND SHE TOOK THE PAYMENT AND ALL WAS WELL AND SHE APOLOGIZED FOR HER ASSOCIATED BEHAVIOR. I ASKED IF MY ACCOUNTS COULD BE MOVED TO A DIFFERENT ASSOCIATE AND THE MANAGER INFORMED ME THAT SHE COULDNT DO THAT. MY ACCOUNTS HAD TO REMAIN WITH THIS RUDE LADY. SO, A FEW DAYS LATER THE ASSOCIATE OVER MY ACCOUNTS CALLS MY CELL PHONE AGAIN AND PURPOSELY MISPRONOUNCES MY LAST NAME WITH A CHUCKLE BEHIND IT AS IF SHE WAS MOCKING ME AND MY LAST NAME YET AGAIN. I STILL HAVE ACCOUNTS WITH THIS CREDITOR AND WANT TO RESOLVE THEM BUT I CANT EVEN GET THROUGH A PHONE CALL WITH THIS PERSON WITHOUT BEING MOCKED AND MY LAST NAME BEING MADE FUN OF. ALSO AFTER MY PHONE CONFRONTATION WITH THIS LADY DAYS LATER THERE WERE NEW ACCOUNTS POSTED TO MY CREDIT REPORT THAT HAD PREVIOUSLY BEEN CLOSED AND THEY WERE RE-REPORTED UNDER DIFFERENT DATES AND XXXX OF THE ACCOUNTS WERE DUPLICATED TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase disabled my account on XX/XX/2021, and I have NO idea why. I have tried multiple time to contact them for a status, and even formally filed a complaint using their complaint form on XX/XX/XXXX. I have a large amount of cryptocurrencies stored at Coinbase, and still do not have access to my account. I have kept the sequence of email thread along with all money transactions at Coinbase. My Coinbase Case number is XXXX  and Coinbase Complaint number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was not made aware that XXXX changed their name. They stop payments on my account and then out of no where after 1-2 years began with drawing unauthorized amount from my account. They do not allow me to log into my account online or send me statements. Raised my interest. Charged me for unnecessary late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My monthly payments were extremely too high so I had to do the deferment forbearance and the IBR. Payments were still to high and so we 're the interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Im filing a complaint against Experian Credit Bureau because they have failed to do their due diligence to address my prior complaint to some disparities ive noticed being reported the XXXX credit reporting agencies, Experian, XXXX, and XXXX. 

I had recently been informed that my SOCIAL SECURITY AND DRIVERS LICENSE HAS BEEN COMPROMISED. ALL PREVIOUS ADDRESS MUST BE DELETED THAT HAVE NO AFFILITION TO OPEN ACCOUNTS MY REQUEST ON FORMER COMPLAINT ID XXXX https : //www.consumerfinance.gov/ In accordance with the Fair Credit Reporting act, Experian has violated my right to privacy.

FCRP Statues -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 States that a Consumer Reporting Agency can not furnish an account without my written Consent. 

ANY ACCOUNT INFORMATION REPORTED FOUND INACCURATE UPON REVIEW, SAID ACCOUNTS MUST BE DELETED FROM CREDIT REPORT Im attaching several documents to that indicates Experian did not comply with the ethical standards set by the FCRP with regards to gathering and furnishing correct/relevant information. 

Accounts with conflicting data are as follows : XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX TXXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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:
I have filed complaint XXXX on XX/XX/2021 ( almost 2 months ago ) against XXXX  XXXX XXXX, but have not received any response. The following account is a fraud account that I have never opened or used : XXXX  XXXX XXXX account XXXX Please investigate and delete it.

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 2017-01-09
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from XXXX XXXX XXXX regarding a debt from Jefferson Capital Group with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to XXXX XXXX XXXX within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, Jefferson Capital Group has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
This is my FURTHER Complaint that I was the victim of identity theft. XXXX  Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

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 explanation
Consumer complaint received 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a credit card I received at Capital One 's solicitation and had it for at least 2 years, with no late payments. In those 2 years they gave me automatic credit increases that I did not request. In XX/XX/2016, I received a vague letter from them stating they were closing my account. I inquired of their customer service department and their executive office numnerous times for a clear reason to no avail ; they closed the account. Several weeks later, I received another solicitation to apply for the same Platinum card and I applied. In XX/XX/2016, I was asked to send a copy of my social security card, a copy of a bill and a personal identification and I complied. A representative called me several days later to explain that I was approved for another Platinum card with a credit limit of {$2000.00}. After this approval, I received two additional solicitations to apply for the Platinum card yet again. On XX/XX/2016, I received a letter from XXXX. of Capital One ( letter dated XX/XX/2016 ) stating that the new Capital One card was cancelled for the same reason, I would like like for Capital One to keep one of the cards open since I constantly receive solicitations and approvals from them. If they can continue to send solicitations, and add to my credit inquiries, they should at least honor the agreement, especially since they were the ones who solicited my business on multiple occasions. I do not want to hear about internal controls not in place or excuses. I think it is time Capital One honored me as a consumer. I have all copies of letters and solicitations from Capital One if you require it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Received a call from this number. Called it back and was told they were calling from Alternative Dispute Resolution or ADR and was asked to verify the last XXXX digits of my social, which I DID N'T and then was told " Do n't worry because we 'll be sending a sheriff out to your house. '' at which point I laughed in his ear and told him that he really would n't and then hung up the phone. They called from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: TX
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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After closing my mortgage account with Chase Bank they have shorted me on my disbursement check. I had XXXX conversations with Chase representatives prior to my closing date of XXXX/XXXX/XXXX to confirm the amount that I would be receiving after my account was closed. This amount would include overpayment of my escrow account and overpayment of my mortgage payoff. I made my final payment on XXXX/XXXX/XXXX ( due date was XXXX/XXXX/XXXX ). The payoff quote was dated for XXXX/XXXX/XXXX so with my account being closed on XXXX/XXXX/XXXX ( the day following closing ) I paid on the account for 15 days that I did not own the home. Chase is refusing to reimburse me for these days although I was told twice prior by XXXX different Chase representatives. Also there was an issue with my escrow account in which Chase withdrew funds to pay my property taxes on XXXX/XXXX/XXXX. Chase states that my property taxes were paid at that time when in actuality they were not paid until XXXX/XXXX/XXXX. This created issues in receiving my overpayment of escrow disbursement. These funds which are mine were no where to be found for 25 days. I assume that they were in some account or stock drawing interest of sort for Chase. I have been taken advantage of by a large bank and I 'm sure several others have been as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working with Bank Of America since XXXX XXXX, XXXX for a loan modification. We have had the loan for 10 years and have never missed a payment. We have responded timely to every request and we were notified upon calling them for status update on Wednesday, the XXXX, that the case was closed. There is a balloon payment of {$570000.00} due XXXX XXXX. We can not pay this, need your help. We have submitted EVERYTHING, via fax from the Bank of America branch with complete confirmation that it was delivered. We have worked for 4 months and trying to resolve this to NO end. Our loan office is XXXX XXXX, Phone number XXXX XXXX XXXX XXXX XXXX. Loan number XXXX XXXX XXXX Address of property : XXXX XXXX XXXX Fl XXXX Name on account XXXX XXXX XXXX, my wife , XXXX XXXX has power of attorney to discuss any matters relating to this loan. Our contact information is ph ( XXXX ) XXXX, email : XXXXXXXXXXXX

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 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016, I deposited an old payroll check via ATM teller ... I found the XXXX XXXX XXXX payroll check within my storage unit. Since there was no expiration date on it, I decided to collect my unpaid funds. After Bank of America cashed it and they later performed a charge-back on my account : XXXX XXXX XXXX XXXX XXXX ) due to the issue date. I was also charged a fee of {$12.00} due to the date of the check by Bank of America. 

I am requesting the amount of the XXXX XXXX XXXX XXXX check in the amount of {$170.00} refunded back into my Bank of America account as well as, the {$12.00} fee taken out of my bank account balance. 

*I can be reached via the following information below regarding my bank account complaint : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2022-11-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was issued a refund check from my XXXX for the money that I was paying them to get my XXXX XXXX The XXXX  asked me to see a different dr. ( Long story ), So the company issued me a refund check. I deposited the check into my personal checking account. The money was then taken back out of my account by chase 2 days later. I called chase and asked them what happened, and they said they could not verify the check. So they closed my personal account down as well. I also have 3 other business accounts with chase, so that messed up all of my accounting as well. Anyways, I went into the chase branch and the Manger tried to help me and contacted the manager. The manger was abke to verify the check. However, chase said there was a certain phone number that needs to called to verify it. I called XXXX XXXX  and they said they had no problem with anyone cashing their checks and that it is verifiable and they don't know the phone number that chase is calling to verify it. I called chase back and they said the number they are calling ends in XXXX, but that it has to be the owner that they have to speak to. So like the owner of a large corporation is going to give their personal phone number out. So I called XXXX XXXXs back and they said that was their old corporate #. They said that the money was taken out of their bank and cashed and so it is out of their hands. They said that I must already have the money and be lying to them. Chase said that It is their policy to not give the money back and that they can keep the money until the check can be verified. However chase is lying because it can be verified if they call the XXXX XXXX customer service phone number or any other number listed on XXXX for that business. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs because it's been about 6 months and chase Still has my money. This is theft. This is morally wrong. They verifying department at chase sounds like they are from XXXX and they sound like they are the ones that are scammers. Then they told me that XXXX XXXX can ask to recall the check back but XXXX XXXX told me they will not do that because they think I already cashed the check. They don't believe me. So I'm stuck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19
Company: Jim Bottin Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Years ago my daughter belonged to XXXX XXXX. 
She incorrectly gave them my home phone #. 
( she 's XXXX yrs old now XXXX She is no longer a member.. has n't been for a few years from what I understand. 
She does n't owe them any money anymore XXXX again, from what I understand XXXX. 
All of this is irrelevant,, she 's XXXX years old, not a child, I have my home phone, she would n't pick it up if it was ringing and she was standing next to it.. 
She has asked XXXX XXXX repeatedly to remove her parents home phone # from her name in their records. 
Now she is n't a member and owes them no money and I recently had XXXX and they 're calling here waking me in the morning. 
I think it 's a collection agency of theirs. 
When I call them they could n't care less. 
Would you please call them on my behalf.. 
Thank you, ,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} CLICKLEASE LLC XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed:XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX DPT ED/XXXX  XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance XXXX {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$1800.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief