BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The company is trying to collect XXXX in behalf of XXXX. They have reported to the credit agencies this information incorrectly and now are involving XXXX to report the information incorrectly to replace their name as the collector of the debt. I have been advised that this debt was going to be corrected but it now is being used to hurt my credit by XXXX and Caine Weiner initiated it and replaced their name with XXXX 's name. There is no proof that this debt is mine and I have made the request to provide this information and it is up to 4 years old. This information has been reported to 4 credit bureaus. This is purely a tactic to harm me as they have stated that they would do by moving the debt from them to XXXX and back and forth to keep reporting it badly on my credit report. I am now being reported badly with no proof. This has been ongoing for over 6 months and continues with misrepresentations and new bad information showing up on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have submitted 6 disputes to Experian about XXXX XXXX XXXX account. 
Experian is the only credit bureau that is inaccurately reporting the information pertaining to this account and it is now showing deliquent on my credit report. My Experian credit report is significantly ( more than 30 points ) lower than my XXXX  and XXXX  credit reports because of this inaccuracy. 

Dispute 1. XX/XX/XXXX Dispute 2 .XXXX XXXX, XXXX ( closed in 2 hours ) Dispute 3. A second on XX/XX/XXXX Dispute 4. XX/XX/XXXX Dispute 5. XX/XX/XXXX Dispute 6. I also next-day mailed in a dispute with verifying documents to confirm the invalidity that the account was resolved with receipt from the collection agency. This was mailed on XX/XX/XXXX. 

The issue : This debt is being double-reported. I have confirmed with XXXX that the debt was sold to collections on XX/XX/XXXX. However, XXXX never reported to the credit bureau that the debt was sold, nor did the collection agency report receiving the collection. 

The following year, I called XXXX to pay the debt on XX/XX/XXXX and the debt was no longer in their possesion, I was provided with the collection agency 's information and resolved the account with the collection agency. 

I noticed in XX/XX/XXXX that this debt is still showing on my credit report as outstanding from XXXX and I disputed it with Experian. Since then, my credit has plummetted because the XXXX account was updated to reflect the dates of outstanding payments from XX/XX/XXXX to present, ( even XX/XX/XXXX has reflected no payment ). 

This account needs to be removed from all credit reports in entirety. XXXX is falsley reporting information on my behalf and the credit bureau is not doing diligence to investigate this inaccuracy despite receipts and factual documentation being provided.

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 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am attempting to get a loan modification processed through Bank of America. They have sent me a letter requesting additional documents to support my application. I have submitted all of the requested documents. 

It has now been XXXX weeks since I submitted the documents and my application has not been moved to the Review Process stage. I have called my XXXX several times ( about XXXX ) and I only reach voicemail. I have left a voicemail message with my number each time. I have also left electronic messages on the bank website for my XXXX and received no response.

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2021-01-12
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I originally opened a checking account in XXXX, received a promotional bonus and closed the account in XX/XX/XXXX. After seeing an advertised {$300.00} bonus which the terms indicated was " available to new customers '' in which " new customers '' were defined as " having no current or prior checking, savings or money market relationship within the preceding 12 months, '' I opted to open a new checking account in XX/XX/XXXX with the promotional bonus applied as I meet these terms. My prior checking account was closed 23 months before the current account, thus I am a " new customer '' and eligible for the bonus. 

The bonus required that one open the " beyond checking '' account and receive direct deposits in the amount of {$2500.00} within 60 days. I met these terms with a {$2500.00} payroll direct deposit on XX/XX/XXXX. The terms dictated that the bonus would post within 140 days of opening the account. 

The bonus never posted and, after multiple messages with customer service, I was told that I do not qualify for the bonus as I had a checking account in XXXX, violating the terms of the agreement. 

A message received on XX/XX/XXXX with a customer service representative indicated that I would not receive the bonus as I received a bonus on a previous account and that the terms stated " one bonus per account per customer and can not be combined with any other offer. '' The message further states that " account XXXX earned a {$300.00} bonus on XX/XX/XXXX the anew account does not qualify as this would be considered combining with another offer, and therefore the account is not eligible for this promotion. '' However, this is clearly contradictory to the terms of the offer, misstating the published requirements to earn the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I do n't know what this debt collection is about. I ask to XXXX, XXXX and XXXX my credit report, so I find out that this debt was on my report under medical service by a collection company name COMMONWEALTH FINANCIAL SYSTEMS and the original creditor XXXX XXXX XXXX XXXX. I never did any agreement with COMMONWEALTH FINANCIAL SYSTEM or sigh any contract allowing them to put this on my credit report so I need this debt to be remove from my report. In my credit report this collection agency do n't have any phone number it say phone number no available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
In XXXX my mother opened a certificate of deposit with bank one and was to stay in the bank until I was of age in XXXX. And in XXXX ( the same year chase bank bought out XXXX ) my account stopped drawing interest and now chase has no record of my account. I have the orginal certificate of deposit reciet and it 's statements and still they say there is no record in there system and that I need to look at the states unclaimed property and it 's not there so I need help located my money it is a large amount and I want to be able to cash it in it has been XXXX years since I was supposed to be able to cash it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Foris DAX, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I called in on the evening of the XXXX shared with Crypto.com that it looks like my bank card got deducted 4 times and I only deposited twice on the XXXX of XXXX to start my account. They will not let anyone call in only chat to talk about accounts now They said they would contact me back in the morning with and update. I wake up to your account has been terminated and we have the right to do this and do not have to explain why. I tried to find out the reason. I even told them in my chat I had talked with my bank and never tried to stop payment on 2 deposits, that my bank said all looked good and there was not 4 deducts it only looked like because they were pending at midnight. 

I have pics of my chats explaining and my account was still terminated NO chances to talk with anyone and now I have been told I have no access to my wallet to remove my funds. I even asked what happened if I had a million dollars in my account do you get to keep it and then no comment, This is so disheartening it makes me sick in my stomach. 
Can anyone help me talk to someone about getting my account back open or at least get my funds back. I do not have much money to be doing this. 
The app is very user friendly I like it a lot and I had 3 more friends that were going to download but not now they are freaking out like me, if they can just terminate an account for any reason and keep the funds, That is scary. I have all chat pics Please help if you have any ideas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Platinum Holdings Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
a letter was sent to my job to start taking money out my pay from adept collecter all i know its from 1998 i never receive any court papers to apear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
Wrong records on my credit report. 
Things keep appearing and Im not aware of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: WorldRemit Corp.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi Sir/Madam, This is regarding the company called WorldRemit on XX/XX/XXXX I created a money transfer to XXXX to my savings account in XXXX XXXX XXXX XXXX for USD XXXX i have done many transaction with this company but all are less than USD XXXX, until this date i did not get my money into my bank so last 10 days i asked them to cancel my transaction and refund my money, the response from them is that their XXXX partner is having a technical issue, so i did a transfer for USD XXXX to my same XXXX XXXX  savings account on XX/XX/XXXX just to see weather they are telling me the truth. to my surprise the USD XXXX got transferred in 10 minute to my XXXX bank, then i called again and told them this transfer. 
the world remit representative said that it's because now they are using yes bank, my transfer for USD XXXX was through XXXX XXXX XXXX and they are still waiting for the confirmation from them. this does not wound right to me. please help me in getting my money back. i'm attaching my money transfer receipt of both XXXX and XXXX and the proof of my XXXX bank account with the same amount. my worldremit customer number is XXXX. the transfer number for the disputed transaction is XXXX. 
the transfer number on the USD XXXX which was done on XX/XX/XXXX is XXXX please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account 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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  Account 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 2016-02-11
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Follow-up on Complaint # XXXX When speaking with XXXX on Friday I stated I was at work and unable to work and that I would call when I had a chance. He put pressure on me saying that he would only be in the office for another two hours. I am in a different time zone and work off hours. 

He has repeatedly call my work phone number and is harassing my staff. I do not want to be contacted on my work number. It is completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: OH
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:
THE XXXX/XXXX  ACCOUNT HAS BEEN PAID IN FULL PLEASE SEE ATTACHED RECEIPT

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 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has not legally complied, to complete a FHA short sale, on property located at XXXX XXXX XXXX XXXX, XXXX, Massachusetts XXXX. XXXX, my XXXX customer service representative, who has helped me for the last year, is suddenly unavailable, she has essentially disappeared, just like the previous XXXX. Neither the short sale specialist, XXXX XXXX, XXXX XXXX can find XXXX even though we had spoken about every week or XXXX for the last year. 
The buyer for the short sale has increased his offer to be compliant with FHA requests and Or conditions, the judgment on the property has been removed. XXXX XXXX XXXX and XXXX XXXX, have worked tirelessly, to move forward with the sale. 
Most recently, Bank of America, sent me a document, which states, '' My home loan will be services by XXXX XXXX. This letter was received days ago, though dated on XXXX XXXX. 
Further, I maintain, the conditions have been met, per request of the Loan serviced and or FHA, I, by and through my attorney and realtor, have been professional, and followed through on each request, to allow this short sale. 
I am XXXX, with XXXX XXXX, am elderly, and the actions over of present and the past XXXX years of Bank of America have caused me harm. 
I respectfully ask for your help, and any and all sanctions, be brought against Bank of America 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 explanation
Consumer complaint received 2022-10-13
Company: Sa-Vit Enterprises, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Municipal Collections of America Inc.
State: IL
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:
I keep getting harassing phone calls from XXXX municipal collections of america saying I owe tickets for a car I no longer have. I do not have a debt and have never received anything in the mail. When I ask about a letter they are rude and hang up. I have blocked them but still get the calls. I feel that because they want information over the phone that this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX is issuing credit cards without proper disclosure and is not informing customers about APR. I visited their store on XXXX in XXXX VA and the associate submitted a credit card application without informing me about the terms and conditions of the card and i thought i was getting a store XXXX card and not a credit card,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am not sure if this should be a credit card complaint or a bank complaint. I currently have a business account with Chase which is being closed citing the following : " This decision is not a reflection of your business or how you have handled your accounts and it does not affect any personal banking relationships you may have with JPMorgan Chase or its affiliates. We apologize for the inconvenience this business decision causes and want to help you transition your accounts. '' I have done some research online and I assume my account is being closed because my business involves XXXX or because I am registered with XXXX as a XXXX. Most banks consider XXXX as high risk, however I have not had any incidentals with this account. I now know that my account requires more maintenance and is more expensive than other accounts, so I understand the banks decisions to end our relationship. However, I have since received a letter from Chase about my personal Credit Card account : " After careful consideration, we closed your credit card account on XXXX XXXX, 2016, because our affiliate is ending its banking relationship with you. '' I assume this must be a mistake or oversight since the first letter said it would " not affect any personal banking relationships [ I ] may have with JPMorgan Chase or its affiliates '' and this letter says it is because " our affiliate is ending its banking relationship. '' My personal Chase Sapphire Preferred has never been used in relation to XXXX or for anything related to my XXXX checking account. I assume this error is the result of a banker ticking the wrong box or something. My brother is my partner in our XXXX business and was linked to our business account. His personal bank account which also had nothing to do with XXXX or our XXXX was also closed. Also, my Reward Points worth approximately {$1500.00} will be voided 30 days after my account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a chase account which is being charged {$35.00} a day, I am in the minus today XXXX/XXXX/15 over XXXX XXXX dollars. My account number is XXXX, I have been a customer for just three months. I am really concerned about this, I read all of the information and the lawsuits with this bank. I would appreciate customer service calling me and waiving these fees! I would love to stay a customer with this bank and I would make sure not to use it on a daily basis. What is the protocol with my overdraft protection, what rights do I have?

Company response to consumer: Closed with monetary relief