BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened several accounts at the XXXX, NY Chase branch on XXXX XXXX : checking, savings and XXXX credit cards. I already had a credit card with them. I completed all the documentation with the banker and provided all the original ID required ( SS, driver license, passport ). He scanned everything and I went home. He called me the next day and said he forgot to ask me to write my name on some form. I went back to the branch, completed a brand new form and left. A month later, I received a letter from Chase saying they coul n't verify my SS. I called them to ask what it was about since the banker had had my SS twice in his very own hands and scanned it twice. I had to complete another form and I took it ( again ) to the branch. The banker called the service responsible for this situation and asked them what he should do. They told him to send ( again ) the form with the scanned SS and other ID, which he did in front of me. After wasting a few hours on this matter, I thought the matter was settled for good. 

On XXXX XXXX, I checked my accounts on Chase website and discovered my XXXX credit cards accounts had been closed without any warning. I called customer service and they were unable to give me a reason why they would do that. On XXXX XXXX, I went to the local branch, my banker called them and those idiots said they had n't received the completed SS verification form that was sent them THREE TIMES. So I completed the same form all over again, the same banker scanned the same SS card and send it to the same idiots. My banker apologized profusely and told me everything would be back to normal within two days ( that is what he was told over the phone ). The next day, I discovered my banking and savings accounts had also been frozen without any reason nor warning. 

I finally received on Friday XXXX letters, XXXX dated XXXX XXXX and the other without any date, stating my accounts had been frozen and/or closed because they could n't verify my SSN. Fed up with wasting my time going to the branch, I called my banker so he would take care of the situation. He went back to me and said my checking and savings accounts had been unlocked and the credit cards would be restored within 5 business days. That should have been on XXXX XXXX, over a week ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: JPMORGAN CHASE & CO.
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have been attempting to redeem a " 15 year 4 % XXXX '' bond dated XX/XX/1985 issue # XXXX, issued by the Chase Manhattan Bank XXXX. and after calling on numerous occasions I have received vague and conflicting information without obtaining any results or satisfaction. The account # is XXXX and the tax ID associated with this bond is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: SYNCHRONY FINANCIAL
State: GA
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 Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-03-24
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account with Coinbase on XX/XX/2020 and there were UNAUTHORIZED transactions that were done in my account that was just opened. 

I have emailed the company over 15 times and they only send a general email back stating they will look into the issue. I have repeatedly called the company over 20 times as well to complain about the fraudulent transactions. 

They debited my checking account at XXXX  XXXX XXXX in the amount of {$6000.00} and I have asked the Legal Department and Fraud Department of XXXX  XXXX XXXX to reverse these unauthorized ACH debits. 

Coinbase has sent phony documents to XXXX XXXX XXXX trying to stop them from reversing the {$6000.00} of unauthorized debits. I have been in touch with the head General Counsel of XXXX  XXXX XXXX and they have been in touch with the FBI. 

I have done everything possible to protect my interests and this alleged criminal behavior needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a response to the AFNI Inc well within the time frame that was posted on the letter to respond. The company was supposed to validate the debt and send me the requested information contracts and supporting information to prove that I owe the alleged debt. They still reported the debt to the consumer reporting agencies. By law stated in the CFPB guidelines the Collection agencies are not supported to report info that is being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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 Fair Credit Reporting Act : XXXX account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Have 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, states a consumer reporting agency can not furnish an account with my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Our son purchased a vehicle and had it financed through Chase Bank. Our son XXXX XXXX XXXX, 2015. We contacted Chase Bank in XXXX and sent XXXX Certificate and account information to Chase Bank probate department as instructed. In XXXX we received past due billing notice, again. Again we contacted the customer service department and were assured that it would be taken care of. It is now XXXX and we have received a past due and collection notice from Chase at " our '' address. Our son lived at a different location and his loan had that address. Amazing they got our address but not the other information? Also, the vehicle was recovered by Chase Bank in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX, XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I write XXXX and XXXX and asked for any closed accounts to be removed from my account and they still appear. I want any closed accounts removed from my account for employment purposes

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 2022-04-09
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX of XXXX XXXX, XXXX Dept of 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, 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 non-monetary relief
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: MO
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  is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe XXXX XXXX is in my violation of my 30 day right to dispute & feel that account needs to be 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 2022-04-09
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
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:
A incorrect error was placed on my XXXX, XXXX, and XXXX credit report that is saying I owe the Loanshark company called LoanMart as back in XXXX A title loan from wheels XXXX XXXX, XXXX XXXX LoanMart as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by Loanmart was actually {$2900.00}. Loanmart was sent a few years ago a Validation of Debt via Certified mail which they ignored and never responded to my request. They were sued already by the State of XXXX XXXX  XXXX XXXX XXXX. Loan was had illegally accessed my DMV information without permission that they had no authroization to do. Loanmart fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, XXXX, a nd XXXX said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named Loanmart . This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per XXXX and they said they don't have to do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have noticed now about 4 times that PAYPAL when I go to do an ATM withdrawal of my account that the fees do not match up when held and the posted. 
Example today my balance was {$200.00}. I withdrew {$200.00}. The ATM charged a {$3.00} fee for atm use. When looking at my account I have a new balance of {$3.00}. In the temporary hold section it shows a hold of {$200.00}. However, there is no mention of any fees associated on PAYPAL 's side for the ATM withdrawal. In looking at my summary, it showed before my {$200.00} balance, ATM withdrawal {$200.00}, balance {$3.00}. NO WHERE do that say or post the {$1.00} fee for the ATM card use. I have noticed this on ATM withdrawals but not checked if I use it at XXXX. I have noticed descrepencies with the balance and making purchases via Ebay or in person with my card. The balances do not seem to match up all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX of XXXX XXXX, XXXX Dept of 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, 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 non-monetary relief
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: AK
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:
PLEASE REMOVE ALL THESE ADDRESSES I HAVE NEVER LIVED AT/DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX CA XXXX, XXXX XXXX FXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXD XXXX CA XXXX, XXXX XXXX XXXX XXXX # DW XXXX CA XXXX, XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXXXXXX AK XXXX XXXX ( AND ) PLEASE REMOVE ALL THESE NAMES THAT IS NOT MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand what my rights are under the FCRA summary shown on Experian, my rights have been breached with the accuracy, fairness, and privacy of information. I have never consented to this person towards anything related to my credit/or accounts.

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 2016-04-08
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX of American Express has threatened legal action if I do not pay my entire balance on my card ; meantime I have been making monthly payments and AmEx continues to process those payments and when I call AmEx there is no indication that this is an attempt to collect a debt or any such indication that my account might be in arrears. I DID speak with XXXX about 8 weeks ago and he was trying to get me to pay off my entire balance ( over {$4000.00} ) immediately or next steps would be taken - this is when the threat of court came into the conversation. Since then he has been calling me at least XXXX daily at work and on my cell ( so at least 4x daily total ). I have been trying for about 6 weeks to get back in touch with XXXX, to return his constant calls, outside of my working hours, and he is never available. I have left many messages for him. He continues to leave me voicemails, calling during work hours, stating " time is of the essence '' on my account. Today I left XXXX a voice mail asking that my work number be flagged as do not call and that he can not continue to call my work and that I am only available in the evenings ( I have left messages like this before ). Tonight I have not only made another payment to AmEx but tried to get through to any representative at AmEx only to get a " mailbox full '' message at AmEx. Finally, the phone number that XXXX leaves for me does not indicate that he is even an AmEx representative as no mention of AmEx is ever made, nor is there ever a statement that this is an attempt to collect a debt. I am thinking that this could be fraud but am very unsure and could use some assistance. XXXX 's number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midland funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by Freedom debt relief and they have not proven that I was served for the lawsuit they brought against me concerning webank. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and Midland funding still reports on my credit bureaus. XXXX account was with webank and another with XXXX both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. Midland funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am stating my upmost disgust for American Express Bank FSB. 
This company is ran by crooks and should be shut down. I recently had my Savings account closed for reasons unknown to me. I called and asked why, but they refused to tell me why my account was closed. I asked them what would happen to my XXXX dollars I had in the account, for which they also refused to give me an answer. This company has a plan to steal peoples hard earned money and they are getting away with it. I dont know what to do about my money but people need to be aware of American express savings shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CONTOUR MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Re-finance mortgage wit h Contour mortga ge and paid for an appraisal. After the appraisal my loan estimate went up by thousands. When i switched to a new mortgage company, I filled out an appraisal transfer and  Contour is refu sing to release the appraisal. I had the new compa ny (   XXXX   XXXX   XXXX   )  reach out to them and see if they could get it released and they are still refusing to release the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Although I know the person they are trying to contact, I have told them its the wrong # and its not me.and to stop calling my phone.they wait a few days then start over, I explained to them my name & threatened to report them if they don't stop and they still won't stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: MN
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:
On Friday, XX/XX/2022, I contacted Edfinancial on the news of President Biden 's student loan forgiveness plan. Per the Federal Student Aid website, borrowers are able to request refunds on loan payments that were made during the CARES forbearance period. I requested a refund of my payments made during this time, which amount to approximately {$6600.00}. As a borrower with an income beneath the {$120000.00} threshold outlined in the White House 's initial relief plan, I am eligible to have this entire balance forgiven. I was repeatedly told that the processing time for this refund was upwards of 150 days, which I initially ascribed to the heavy volume of similar requests from borrowers. 

However, it seems as though Edfinancial is the sole servicer quoting these ridiculous processing times. In contrast, other servicers in the student loan space like XXXX, XXXX XXXX, and XXXX are only quoting 3-8 week turnaround times, and many of their borrowers have already seen refunds reflected in their accounts. Edfinancial 's extraordinary processing times not only put my eligibility for forgiveness in jeopardy, but they directly limit the effectiveness of the CARES act for those needing timely refunds due to financial hardships. 

Further, I was unable to request an electronic or paper confirmation of the refund request. Without a confirmation from Edfinancial and a quoted processing time of five months, there is no transparency to this process and I will have no recourse in the event there is an error in processing. 

I certainly remember my payments being taken out of my checking account within a few days -- why can't Edfinancial be held to the same standard?

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 2022-09-01
Company: Kikoff Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive never dealt with XXXX and Im being told that my information is verified and that my email is also verified but Ive never used XXXX or even attempted to use XXXX too build credit all my debts on my account have been attempts to build credit

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