BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Multiple times I have sent TransUnion disputes on the following inquiries and they have failed to properly investigate or look into the issue.     These inquiries are fraudulent and not mine.     *   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  I -  XXXX   XXXX ,  XXXX  *   XXXX   -  XXXX   XXXX ,  XXXX  *  XXXX  -  XXXX   XXXX ,  XXXX  *   XXXX   XXXX   XXXX   -   XXXX   XXXX    XXXX   XXXX   XXXX  -   XXXX     XXXX ,  XXXX  I have been a victim of True Name Identity Theft and they have more than sufficient amount of documentation to prove this. I have also attached the police report for these inquiries.

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 2017-04-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan was previously with  XXXX   XXXX  which recently got acquired by  Navient. When my loan got transferred to Navient , they changed the repayment terms of my loan without my consent or knowledge. At  XXXX , I was on a graduated payment plan paying $  XXXX . Navient changed this to an interest-only payment plan with a monthly payment of only {$160.00}. When I called to explain the problem,  Navient  claimed there was nothing they could do because they re-payment plan was based on information they received from  XXXX . However, when I called  XXXX , I told them the problem and they said it was not correct. I got a letter from  XXXX  with the correct re-payment terms and sent it via pdf ( through access to my account on their website ). I am still waiting for Navient to do the right thing. I am certain that I am not the only one who has suffered from Navient 's attempts to change the repayment terms to their benefit after they acquired  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on  XXXX    XXXX   a young lady by the name of   XXXX   called my phone and stated that she could call my phone whenever she liked for people i do n't know, i asked her not to call and she said it does n't matter i will be putting it on her report, and i said i do n't know  XXXX   XXXX  and she say come on now yes you do, well it took me a while top figure out what company this was, so now i feel like she threaten someone she shouldn ' ; t have call

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A merchant called  XXXX  unauthorized charged our card without permission by deducting funds :  1 . Date and amount of  transaction1 :   XXXX   XXXX ,   XXXX   : {$180.00} ; {$25.00} for fee  2. Date and amount of transaction2  :  XXXX   XXXX ,   XXXX   : {$580.00} ; {$25.00} for fee We opened a dispute with  Citibank  on  XXXX    XXXX  . We had contacted Citibank no less than  20  times via  Citibank p latform, mails, including providing all the necessary documents multiple times ; however,  Citibank chose to ignore our request. This matter had been ignored by Citibank  for 9 months now.     We had no choice but to seek some help here in getting some update on this matter.

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 2017-04-24
Company: BlueChip Financial
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
verified that payday loans are illegal in NJ I am being harassed threatened by someone at this phone number  XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
A charge of {$5200.00} made on  XXXX   XXXX   XXXX  on my  Capitol  credit card was being disputed. The transaction dept o f Capitol One  requested documents in order to reverse the charge. They initially did so. On  XXXX   XXXX ,   XXXX    Cap One  requested additional info as what I had submitted " had value ''. I was told by phone and also in writing that I needed a second opinion by someone in a similar field ( real estate as I was challenging a real estate program purchase called   XXXX   XXXX   by  XXXX  and  XXXX   XXXX   ) , and that the opinion had to EITHER state why they felt program was defective OR how the program did not match the invoice, contract, etc. I was later denied reversing the charge because I did not have the second opinion person address both conditions instead of  one of two conditions. I have written Capitol One  on  XXXX   XXXX  and received a standard letter, similar to ones I received in the past. The correspondence from them dated  XXXX   XXXX ,  XXXX   XXXX , and  XXXX  did NOT request both issues or conditions be met.When I called after receiving denial letter I was told about the both not or conditions and that it was too late to submit anyway since it was past the  XXXX   XXXX  deadline. I even told them on the phone that their correspondence did not reflect their basis for their final decision and that it was misleading to me and other individuals disputing charges thr ough Capitol One. If you desire I would be happy to furnish copies of these  letters to you, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TekCollect Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX   XXXX   XXXX  is my client. This is attorney  XXXX   XXXX . He is married with  XXXX  children. He has  XXXX  people living in his house. It is a very humble house in a very old neighborhood. It is way  upside d own. I have applied for  three  modifications for this man with  US Bank,  and he has been turned down each time.   This time, he was turned down and the letter says he was turned down because of " discrepencies in his application. '' Then it says, if you want to know what the discrepancies are, you have to GET A SUBPOENA. This is an auto mechanic with  XXXX  children. He obviously can not afford to hire an attorney to file a lawsuit and obtain a subpoena.   Also, when you cal l US Bank, ev en if you are an attorney such as myself, and even after they verify you with the client 's home address, social security number, date of birth, and confirm that they have a signed, notarize d Power of A ttorney from the client authorizing the attorney to handle their modification, the bank insists on getting the attorney 's personal social security number or taxpayer ID number. If you do not give them your private information, which they have absolutely no need for, they hang up on you.   Help me save this man 's house and get answers to the modification effort.    XXXX   XXXX  is the borrower, I,  XXXX   XXXX , am his attorney.

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 2017-04-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a company check on   XXXX   XXXX   XXXX     and was told they were holding  XXXX  dollars until   XXXX   XXXX   XXXX     I need that money to pay bills with ..Is that even legal? I bank with  Wells Fargo ..

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 2019-12-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I cannot get any assistance from Equifax..I tried to get a copy of my file they want send it, I have sent written request with copy of driver's license,called per phone, ordered on phone, 8 an totally ignored. In the mean time erroneous reports on my file ,people are checking my file without my permission and my credit has dropped so low I can not qualify for a home and I am XXXX. I worked as an XXXX XXXX  of a company before I retired because of a health scare, with  a XXXX XXXX dollar income yearly, so I know how to handle my income and budget but when someone refuses to assist you that unacceptable, also when I file a complaint they accept someone on the phone who says yeah it's owed with no proof of that debt.    I am requesting you assistance to make this company to assist me as they should be...like I said I can't buy a car, get housing and I am a XXXX   year old XXXX XXXX who doesn't deserve this after all the people I helped in my lifetime!!! Is there any decentcy left?Respectfully,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Aargon Agency, Inc.
State: SC
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:
no contract, I send a letter certified letter to verify the debt on XX/XX/2017 and never response to the letter. I did advise in my letter if cant verify, please remove off my credit and it was never removed.

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 2021-06-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to manage a security freeze on Equifaxs website for well over a month. When I called in XX/XX/XXXX, I was on hold for over 3 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Nicholas Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I started a loan on XXXX for {$14000.00} for a Term of 66 months., with Nicholas Financial, Inc . I have been paid $ 392.oo monthly since then until Today 's date. I am current on payments. I just got behind on payments up to 120 days on XXXX  because I was unemployed. But as soon as I got a new job, I paid all the fees imposed by the Company to avoid loss the auto as I was treated it for and the condition was to put the account current at that moment. Since then, any payment I have missed. 
But is unbelievable and unacceptable that even that the XXXX XXXX XXXX still have and report is almost the same when I started ... and is not getting down : {$10.00}, XXXX. More than half of the payment goes to Interest, which is something several times I have complain about ; but not one fix or adjust it, care or respond me as should do. I have been charge several times by expense insurance premiums, without notified me previously and even the Ins. company reported for me that I have coverage. That supposed is one of the additional charges, Company said I have, plus a lot of fees that are not right. I have never received any formal statement with the complete history of payments as per I requested several times. Actually, I have nor received bills since more than 2 yrs, when I asked them for... But according to an email received, from department on head quarters, where I complain through an email, the answer of all my complains is : " that is what it is '' and nothing else to change. So, because I have not had time I have to continue paying and paying, first to don't affect my credit and second because I need the car. I tried to change the car to get out from that loan but the outside down is too high. Car has lost its value, and I still have a big loan balance after 68 months paying. I am unemployed again now and I just thinking in bankruptcy just for it. Co., report to credit bureaus that I have paid just 28 payments. That really disgusting me, I am very stressed about it ... for long time I don't know what to do ... Its not fair what that Co.is doing. I have paid more that {$26.00} K. Please help me!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Coinbase, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On, or about, XXXX XXXX my Coinbase account had a withdrawal made by an unknown source. I filed a complaint with the FBI 's XXXX department. I then sent the information to Coinbase. I also made several attempts to use the support telephone system listed by Coinbase. The audio and visual responses indicated that audio contact was not available for my level of account. 

I tried contacting one of the corporate offices using social media. That ended with no replies. 

Eventually, my balance in the account was taken by Coinbase as payment for the transactions completed by the outside source. 

In XXXX months of attempting to make contact I have had no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Cha

se bank began contacting me saying they were going to lock and close all my accounts ( credit cards, debit cards, bank accounts, etc. ) Due to suspicious activity that originated from unemployment funding from the corona virus. I've spent multiple hours emailing, calling, and meeting with bank staff face to face providing the information and material proof they asked for. I've been told multiple times everything is kosher and that I am clear of suspicion. They have still locked and closed my accounts. Now I am unable to access any of my funds, pay bills, and am unable to resolve financial issues due to this closure. Their response times have become slower and slower and my calls are not being answered or responded to nor are my emails being addressed directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX 's XXXX XXXX Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the XXXX 's web site. This is also being reported incorrectly to XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: PLANET HOME LENDING, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received certified lette r ( s ) Planet Home Lending LLC   XXXX   XXXX   XXXX   XXXX  's  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . on or about  XXXX / XXXX /  XXXX   threatening asset forfeiture proceedings within 90 days if I do not either pay them {$320000.00} or bring a non-existent account current.     My current home mortgage rests with  XXXX   XXXX   ( t o the best of my knowledge ), and the amount of that mortgage is approx. {$220000.00} In the documentation they sent me via certified mail, the claims of : {$320000.00} / This is about {$100000.00} more than my current mortgage with  XXXX   XXXX  The threat to seize my assets ( though there is currently no contract between myself and or any of these entities ) The Declaration Page of the Foreclosure Loss Mitigation Form ( attached ) claims to be a true and correct copy though the document has clearly been altered.     They also claim that they legally represent the note holder, and  they may.  But they have provided me with no proof of that and have not met  XXXX  requirement according to the  UCC 3-501 Verification Standards.      Without or until they provide verification, they have violate d : USC 18.2071,2073 .   Between  XXXX  &  XXXX  (   XXXX   XXXX    ),   The goons they use for surveillance of my propert y ( Lic. plates are  XXXX  ), Planet Home Lending &    XXXX   XXXX   XXXX  (  Both  XXXX   ),  thats at least  XXXX  individual parties.     Sending false documents through the mail also appears to v iolate USC.18.1961, and I  have filed a formal complaint with the  XXXX   XXXX   XXXX  of this possible violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on  XXXX   XXXX  i suffered water damage at my house and filed claim with my insurance company,   XXXX   XXXX   XXXX   hired people to do work cleaning home and repairing certain items.they also provided check for me t o hire contractor t o repair home.all checks listed jp morgan chase as co -payee and checks had to be deposited in an account controlled by bank.to date jp morgan has received approx  XXXX  bills ha ve been submitted totaling approx  XXXX  and at this point jp morgan chase has only paid out  XXXX  i  and vendors providing work have contacted them ove r 25  times with limited success.it seems every call is answered by different person who is somewhat clueless as to the situation  XXXX  is refusing to release monies which are not rightfully theirs.i have spent countless hours trying to rectify this matter to no avail.bill   XXXX  need to be paid and jp morgan chase has copies of those invoices, i don t understand why they are not relesing funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi Transunion has a 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 710. transunion has me at a score around 592. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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