BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been pursing a short sale process with, Chase since, XXXX XXXX, XXXX. The XXXX lender, XXXX ( since submitting a complaint with CFPB in XXXX XXXX, XXXX ) has granted me permission to pursue a short sale of the property. Chase, is a the XXXX mortgage, which is a Home Equity Line of Credit. Chase continue to delay making a decision on my case. I can no longer afford to keep the home, due to a financial hardship. I am retired, and living on a fixed income. The home is a XXXX-story townhome, with XXXX steps. I am experiencing health problems, which requires me to see several physician monthly. My medical expenses are costly for treatments and medications. Heating and cooling of the home is over {$1800.00} a year. I am faced with expensive, emergency home repairs, and on-going maintenance. My income can not keep up with the cost to maintain the home. 
I have complied with all documentation requests from Chase. I have submitted all information accurately and timely since, XX/XX/XXXX.Chase continue to delay making a decision on the short sale requests. I have sent multiple repeated documentations to Chase. They have no justification to continue denying me approval to short sell the property. At the present time I continue to receive warning letters of threatening to foreclosure on the property, in spite of being in a short sell process. I truly feel as a XXXX year old, XXXX that I am being treated unfairly by Chase. I need your assistance with investigating my case to find out why Chase will not come to a decision on my short sale request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 I was informed that XXXXXXXX XXXX XXXX XXXX, a Senior Loan Originator with Cardinal Financial Company , Limited Partnership | NMLS XXXX that my driver 's license was required in order to extend a loan to my father, who goes by the same name, when I was not involved in the loan transaction. XXXX XXXX indicated that because my father had briefly used my address to receive mail, CFC 's underwriters assumed that the property I own was my father 's property. On the call with XXXX, I informed him that I believed that asking information of a family member not related to the loan transaction and threatening to cancel the loan over it, did not seem correct. Due to the large number of potential damages my dad faced if the loan was cancelled, I, under duress, provided private information, such as my license, to XXXX XXXX via e-mail. 

It is my belief that CFC 's underwriters or XXXX XXXX would not have asked the information of a landlord of the same name, and only requested the information based my familial connection to my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have attempted to fix this issue with the company for several months. I purchased a ring when I entered the store the let me know their machines were having issues. They explained the terms to me as free interest. I paid on time, every month, paying extra every month. The ending balance before the dispute was XXXX my next bill was XXXX. I was surprised and thought it was a glitch. I called the company and they let me know the sales person signed me up for 18 months deferred interest where If I did not pay the entire amount I would be " back charged '' interest. I was never told this, nor did I agree to these terms. I have asked the company to return it to the what is rightfully owed to them and I will pay interest on what in reality is owed to them. 

I have also asked them to provide me with a contract of what I signed since they were unable to provide me one at time of purchase. They are unable to provide me with a contract, I never agreed on these terms nor can they show me I agreed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I never signed an agreement with XXXX XXXX XXXX and I have asked for the debt to be removed from my credit report. I have asked all XXXX credit bureaus to remove it from my credit, I do not have any proof this debt from XXXX XXXX XXXX or that XXXX XXXX XXXX has the right to collect any debt from me. The credit bureaus should have proof from the creditor before placing this on my credit. It needs to be removed because this is illegal per the FCRA. The credit reporting agencies need to verify actual proof by asking for proof. The credit bureaus just asking companies to verify information is not an actual investigation. This is illegal and huring my job prospects.

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 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
received two un solicited inquiries through XXXX one from XXXX XXXX in XXXX XXXX ME nd one from Bank of America in XXXX XXXX TX on XX/XX/2022. Reported incident to XXXX nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of XX/XX/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 2021-11-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX visa/XXXX XXXX XXXX  account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times

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 2020-06-09
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
During XXXX of 2019 there was a bank transfer made through a platform that traded Crypto currency. Several thousands of dollars were trading without my knowledge and since then I have rectified the situation with the company and my bank PNC. However they still refuse to allow me to trade with the company when I want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: M. G. Credit, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted several times to advise the debt does not belong to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
On XX/XX/XXXX I called capital one bank letting them know that my XXXX  was effected by the covid-19 pandemic and that I would prefer to postpone my due payment to a later date. They confirmed that they will postpone that billing cycle. On XXXX I made a minimum payment and on XX/XX/XXXX I paid off all my cards with capital one in full. I was surprised to find out that they have reported to the credit bureaus that I missed a payment on XXXX. Even tho they confirmed that they will postpone the due payment for the next billing cycle and that they will not report it to the credit bureaus as a missed payment. I tried reaching out to capital one several times on XX/XX/XXXX but they said that they can not do anything Im regards to this missed payment reporting. Please keep in mind that the minimum payment was only {$25.00} and I would have never missed that payment if they wouldnt have confirmed that it is ok to do so and it will not be reported as a missed payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Company : Coinbase I have made a wire transfer to my Coinbase account to be able to purchase crypto currency. All my details were entered correctly and my bank has confirmed that the company has taken receipt of the funds. The funds have however for long past their promised time frame still not been credited to my account. I have attempted on numerous occasions to contact their customer support via email, twitter and phone and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: TN
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 paid my car off in full in the amount of {$1200.00} on XX/XX/2019. This Company ( XXXX  XXXX XXXX ) has been knowingly reporting that my account is still open and past due. This unfair and incorrect reporting is hindering my from buying a house. I have alerted the company several times on this matter and they have not taken any action to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 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 explanation
Consumer complaint received 2016-11-04
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015, XXXX XXXX Mortgage sold the mortgage on my home at XXXX XXXX XXXX XXXX to PNC Bank. At the time I was on automatic withdrawal with XXXX. PNC Bank did not assume the automatic payment method, nor did it send me any paperwork to make changes. However, XX/XX/XXXX I received a statement in the mail which said I was overdue for my XX/XX/XXXX Payment. I immediately called PNC Bank Customer Service, made arrangements for an EFT transfer of funds for XX/XX/XXXX and XX/XX/XXXX payments, and set up automatic transfers on the XXXX of the month for the remainder of the loan beginning XX/XX/2015. The timetable for the two loan payments was 39 days late as of that date ( XX/XX/2015 ). PNC Bank did not make the transfer until XX/XX/XXXX, 34 days after I authorized it. They then turned in a credit report of default of 73 days to the credit agencies on both my wife and me. Additionally, they did not take out the XX/XX/XXXX Payment until XX/XX/XXXX, making me another late payment again. When I set up the first XXXX XXXX XXXX, the person who arranged this assured me and my wife, who was listening on speaker, assured me we would not be penalized with a bad credit report. However, in applying for another mortgage recently ( we are moving ), I was informed by my mortgage broker we were told we had a bad report from PNC Bank, despite our assurances to the contrary. In calling their Consumer Service line, they told me it was my fault and they could n't do anything about it. I have all necessary documents including the fax with instructions and its log, the EFT authorization for the accounts remaining payments, and the bank statement which shows the delay from my instructions and the bank withdrawal ( XX/XX/XXXX and XX/XX/XXXX ). I believe the poor service from the bank and their lack of timeliness in the withdrawals should exempt me and my wife from any penalizing credit reports from PNC. Also, the operator I spoke to today said there was no one else I could talk to when I requested to speak to a manager, and would have to submit my request in writing to an office in XXXX, Ohio. Really?

Company response to consumer: Closed
Consumer complaint received 2022-08-25
Company: DISCOVER BANK
State: CA
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:
On XX/XX/XXXX & XXXXXXXX XXXX XXXX, I was a victim of scam/fraud. The person pretended to be a hiring recruiter, interviewed me, told me I got hired, and made me sign a w4 and other paperwork. They told me I had to buy a laptop before my start date and sent me an invoice for the equipment and told me I would be reimbursed from the company after purchasing. I heard from an actual employee at the company a while later that the person who I was in contact with was a scam artist and was not affiliated with the company. The invoice was for a total of over {$7000.00}, but I had told them I wanted to pay in increments. Because of this, I luckily caught on before paying them the full {$7000.00}. The amounts I did end up paying them were 1 payment of {$2000.00} on XX/XX/2022 and {$2500.00} on XX/XX/2022. Money was sent to the scammer via XXXX, but XXXX said they couldnt do anything and to call Discover to dispute the charges. Discover opened a dispute but it got dismissed. I had them re-open the case, but they still dismissed the case in favor of the scammer. The credit that Discover gave me was refunded back to the bank and I never got my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CAVALRY INVESTMENTS, LLC
State: AL
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 had a debt to calvary portfolio collected through payroll garnishment awarded to them through the XXXX county Alabama circuit Court. This account still shows as open and in collections with a balance of {$290.00} on my credit report. It has been disputed and they say that it is correct but I can not even get in contact with Calvary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CARD Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
Check was cashed on line and money sent to card.com on XX/XX/2020 but its nowXXXX and havent received my money yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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

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 2019-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to ask experian for help with the matters of my identity they have been the rudest people to deal with over the phone I have sent in all the required documents and still the items remain on my report they are not upholding what the cfpb and XXXX are asking please help me resolve this problem with experian

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 2023-01-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting this complaint to follow up the previous complaint I submitted on XX/XX/XXXX requesting the removal of the fraudulent information from my Credit report. I sent a letter on XX/XX/XXXX to remove the Accounts and Inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX & I am including these fraudulent items once again : XXXX XXXX Balance : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated all 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 2020-06-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2022-05-13
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: FHA mortgage
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 am disputing a credit reporting action with U.S. Bank Home Mortgage. 
I sent a letter to U.S. Bank, Attn : Credit Bureau XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. XXXX dated XX/XX/2022. Their return letter stated that my letter was an " insufficient information request, and gave me a list of required information. The letter from U.S. Bank was completely unresponsive as all the information they required was in the body of my letter or in one of the six Attachments. Their return letter gave a general automated phone number. A U.S. Bank rep stated that the Credit Bureau Reporting does not receive incoming phone calls.

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