BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank Mortgage Loan Default Mortgage Loan Account XXXX Phone Call ( XXXX ) XXXX Tuesday, XX/XX/2021 Time : XXXX XXXX  Correspondence : Delivered via USPS Tuesday, XX/XX/2021 XXXX XXXX  Date : XX/XX/2021 Account : XXXX Important Information Regarding Your Mortgage Loan Default Contacts : XXXX ID XXXX XXXX ID XXXX, supervisor ( XXXX ) XXXX Call Center Supervisor Will return call later this afternoon XXXX returned call Tuesday, XX/XX/2021 at XXXX XXXX. 
Made XXXX XXXX XXXX XXXX payment {$540.00} escrow increase. 

Escrow XXXX New payment {$1300.00} Thursday, XX/XX/2021 XXXX XXXX  Missed Call ( XXXX ) XXXX My name is XXXX I'm calling from fifth third Bank I'm trying to reach XXXX XXXX if you could please return my phone call at XXXX I'm sorry at XXXX that is my toll-free line is XXXX my name is XXXX and I just wan na discuss some of your concerns today thank you very much and have a great day Returned call at XXXX XXXX  ( XXXX ) XXXX XXXX, Collections Department Told her I was dealing with XXXX, and she stated there was no such XXXX ID of XXXX. 
Put me on hold. 
Need to report to a XXXX Placed on hold. 
Attempt to call XXXX at XXXX XXXX XXXX XXXX Picked up be someone else and he disconnected call. 

XXXX Loss Mitigation and Hardship Attempt to call XXXX at XXXX XXXX ) XXXX States checks were sent via USPS XX/XX/2021 Check Number XXXX {$1200.00} XX/XX/2021 Check Number XXXX {$1200.00} Monday, XX/XX/2021 XXXX, Resolution Department XXXX XXXX XXXX will apply the {$540.00} payment towards escrow shortage. 
Will return call in 2 to 3 business days. 

New Monthly Payment {$1300.00} {$120.00} Friday, XX/XX/2021 Call from XXXX at XXXX XXXX  Still working on letter detailing resolution of escrow account and mortgage. 
Said to email letter to her to request cancellation of escrow by Fifth Third Bank. 
XXXX Monday, XX/XX/2021 XXXX XXXX  Received call from XXXX, Resolution Department XXXX XXXX She states Fifth Third Bank will not allow me to have my property appraised in order for me to remove escrow on my mortgage loan account. Just last week XXXX ( last name unknown, refused to divulge ) stated I would be sent form for requesting an appraisal after I submitted a letter to her requesting an appraisal, which I sent to her on XX/XX/2021 XXXX XXXX. 

Informed XXXX, Resolution Department, she was being advesarial with me, requested to speak to her supervisor, and she denied my request, stated she was as high as I can go. 

I told her I wanted no further contact from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mother in law passed away in XXXX. Her only income was Social Security for many years prior to her death. 

After her death we started to get statements from a collection agency. I called them twice to advise them of her passing. 

I requested that they no longer send me statements. They requested payment from me. Neither my husband nor I are on the account or a co-signer. They requested that I send a certified copy of her death certificate. I advised them there was no estate and that they could verify her passing via XXXX XXXX or the XXXX. 

Now we are getting periodic statements 4 YEARS LATER still trying to collect. 

This is what they say " Dear ( deceased name ), We know that life happens. ( This line is in a cheerful blue and much larger font ) Every day XXXX, XXXX works with people to resolve debt. We would love to do the same for YOU. ( YOU bold and capitalized ) Sincerely, XXXX, XXXX '' Really??? Life certainly happens but so does DEATH. 

- I told them 2x she died in XXXX. 
- I requested they remove my address from their system. She never lived with us. 
- I told them there was no estate. 

Yet here we are again. This is at least the 2nd letter, with the same wording, we have received this year.

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 2022-12-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I've used PayPal for many years. Mostly to pay for goods over the internet, but occasionally to receive or send money to a relative ( especially at XXXX, when we sometimes purchase gifts jointly ). On XX/XX/XXXX my sister reimbursed me for a travel expense via PayPal. I had placed " hold payment '' on a rental car for her when she visited for the holidays. It cost {$550.00}. This time when she tried to reimburse me, PayPal charged me a transaction fee and placed a hold for a period of time on any balance above {$300.00}. They say I have a " business '' account. I explained I am not a business and never have been. So they have now " downgraded '' me to a personal account. But in order to get the funds released immediately for this transaction, they need my sister to input that she has " received '' the goods and services she has purchased. And they say they must still charge me the transaction fee. In the past I have received money from my sister via PayPal. I received {$100.00} from her on XX/XX/XXXX. I was not charged a transaction fee at that time. I went back through my account history and confirmed this. It's not cool that they can now call you a business and charge a transaction fee, even after you correct them. They say there is is a Friends and Family option for sending money. It is difficult to figure out how to use it. I know, because I tried.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To whom it may concern : I in good faith filed out an application for Chase Credit Card through the Marriott website for personal, family, and household use on or about XX/XX/2022, pursuant to 12 CFR 1002.2 ( f ). On XX/XX/2022, they denied my application and sent me an adverse action letter pursuant to 12 CFR 1002.2 ( c ). I provided the same account information ( pursuant to 12 CFR 1002.2 ( a ) ) as every approved applicant they have, but they discriminated against me by denying me an extension of my own consumer credit pursuant to 12 CFR 1002.2 ( h ), 12 CFR 1002.2 ( n ) and 12 CFR 1002.2 ( e ). As an aggrieved applicant, their denial is causing me significant harm ( 12 CFR 1002.7 ( a ) ). 

I am requesting a copy of their self-testing and self-correction pursuant to 12 CFR 1002.15. I am also requesting all documentary evidence to ensure they haven't sold my application or pooled it to purchase financial instruments in my name pursuant to 15 USC 44 and 17 CFR 229.1101 ( c ) ( 1 ). 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX - Account is paid in full but still shows XXXX. Has not been reported since XX/XX/2022 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 2022-12-11
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX received a alert from chase Bank about a address change on my credit report. When I looked there are 3 addresses on my report. The one in XXXX  and XXXX are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Sterling Infosystems Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Background check has outdated information on No way I should fail background check if Im working in a XXXX for same background check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX  my phone stopped working. 
I contacted XXXX XXXX XXXX which took several hours and they told me that my phone number was ported to XXXX. I asked who authorized the port and they said I did. I asked what is needed to port the phone number. They said on business accounts you need. 
Business name - Public information Business Address _ Public Information Tax ID # - Public information Cellular account # They would not allow the reversal because the number was no longer associated with XXXX XXXX XXXX. 
I had to go through a Fraud process and XXXX XXXX XXXX had to request it back from XXXX. 
I also called XXXX and pleaded with them that my number was illegally ported and if they could at least suspend the number. No one would help. 

Meanwhile the hacker at XXXX XXXX  initiated a password reset of my email account and a password reset of and a transaction at Coinbase. 
According to coinbase rules and regulations, when there is a password reset, and a transaction is initiated from a new device, there is a mandatory 24 hour hold on the transaction to avoid any type of fraudulent activity. I contacted coinbase within 90 minutes of the hack. 
The hacker also set up a XXXX on my email account so I was locked out. 
My computer at work was fortunately still logged in but I had to wait until the next morning to check it. Meanwhile I made a support ticket at coinbase and notified them that my phone and email had been hacked and to freeze my account. I did this at around XXXX XX/XX/XXXX. 

Coinbase responded at XXXX XXXX  on XX/XX/XXXX confirming my request. 
Coinbase  sent me an email at XXXX am XX/XX/XXXX - stating they were working with a specialist to address the issue. 
The next morning I checked my email at work. My computer was still logged inland I was able to check the activity that the hacker did, but was unable to take control back because of the XXXX. I found some information on the hacker. 
Email : XXXX Platform : XXXX Browser ; XXXX IP Address : XXXX I sent this info to coinbase at XXXX XXXX  XX/XX/XXXX They responded at XXXX XXXX  XX/XX/XXXX With the same generic email, stating that a specialist was working on it. 

Since then they have been non responsive. 
I have a police report, I contacted the FBI, and now in need of your help. 

To date there is over {$600000.00} in cryptocurrency that is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$340.00}.

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 2022-09-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I again am having issues with the redemption department requesting loan extensions to my vehicle. Just monday XX/XX/2022 I called before my account payment was due. I confirmed the accout was current. I also confirmed florida has a 14 day window where no late fees are assessed on car payments per jurisdiction law policy. My request for the redemption department was to extend the loan due to a natural disaster hurrican ian and the fema forced florida evacuations and closers. They began yesterday and my business is impacted. The rep was a nice gentleman who also lives in florida. He did the whole request and read the details if you listen disclosing that my extension due to the hurricanes details. I accepted this and it was submitted. Has the request for a payment extension been granted yet? Please confirm and recap this process with my loan status. I called chase redemption department at phone : XXXX from my phone on file ; monday XX/XX/2022 at XXXX XXXX  XXXX and the call logs duration shows duration 15 mins 7 seconds. Is this request granted?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-24
Company: Resurgent Capital Services L.P.
State: NJ
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:
XXXX, XXXX, & XXXX -- -There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to by me as the consumer. 
XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX ' XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report with in 4 days from the date of the receipt of this notice I look forward to your response. 
Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CCS Financial Services, Inc.
State: NJ
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:
XXXX, XXXX, & XXXX -- -There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to by me as the consumer. 
XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, CCS COLLECTIONS XX/XX/XXXX, CREDIT COLLECTION SERVICE XX/XX/XXXX, XXXX COLLECTIONS XX/XX/XXXX. XXXX COLLECTIONS XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX ' XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, CREDIT COLLECTION SERVICE XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report with in 4 days from the date of the receipt of this notice I look forward to your response. 
Thank You,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation