BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a XXXX Veteran that is trying to purchase a loan. XXXX trade line with Experian shows an " Account In Dispute '' for XXXX. I called Experian to get this removed because the XXXX system would not accept my loan application. Experian told me after many phone calls that I would have to contact the creditor. Experian said they will not remove the Account In Dispute Comment for accounts on collections that are over {$500.00}. This allows the creditor an opportunity to force a payment on the account. Even though the account is no longer in dispute. Here is what happens. 
-Individual disputes unknown item on their credit report-Experian sends the dispute to the creditor ( collection agency ) -Collection agency does not have to supply any proof, only respond back that the account is legitimate and the add " Account In Dispute in the comments '' -Several months pass and individual wants to buy a home and the XXXX system kicks it back. 
-Needing a home loan Experian uses that leverage to force the individual to contact the creditor and negotiate getting Accoint In Dispute removed. 
Essentially individuals are required to pay accounts that they believe are fraudulent under duress of needing a home loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I was attempting to put XXXX dollars in cash into my Chase checking account, and being that I had already walked 5 miles in a new city, I settled to deposit my money using the nearest atm that would accept my card I was well aware they would charge me a fee for depositing the same way if I were to withdrawal the bank I went to was XXXX bank to deposit the funds. After I deposited the cash I was told my the atm screen my deposit was complete. But it did not give me a atm slip as I requested when I put my card in. I checked my account immediately before leaving the atm and the funds weren't there. I put my card back into the atm and I would not accept my card after that it. It kept saying card not accepted. And then it gave me a atm slip saying the same thing. I went inside XXXX bank to discuss what happened with them to see if they could explain the process of what just happened, I was told that all I would have to do is wait 24 hrs and the extra money would be sent to chase after its counted.After that interaction I was able to get a ride thankfully to a chase bank. I was given the customer service number to call because they claim they didn't see any transactions done. I called the line the same day they opened an investigation I gave them all information they requested in that moment I was given a XXXX dollar credit temporarily. Less than 2 weeks later I received a letter the same day the money was taken back from my account. According to chase its my fault I put my money in another atm even though their policy says you'll just be charged a fee. I have a atm fee on my account for using the atm but no money has been deposited yet. Chase has blamed me and told me this is the first time this has ever happened and continues to be rude and disrespectful even though I told them I walked 5 miles and had no GPS and im new to the city. I kept being told I should have just went to chase instead of them trying to help me I was lied to by a representative saying they would re-open the case and returned the XXXX dollars which they have recorded but they never did and the supervisor I spoke to kept lying and never addressing that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: American Coradius International LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from a third party debt collector, American Coradius International LLC in XXXX, NY claiming they were trying to collect a {$2000.00} debt I owe to XXXX XXXX XXXX XXXX 

I use my XXXX regularly and neither my regular XXXX nor my XXXX credit account show any balance owed or past due. 

The letter claims that XXXX will accept {$1500.00} as partial payment if I cough up the money quickly. I have reported this to XXXX 's security team as well. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Performant Financial Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company is a debt collector. A third party debt collector. I have no contract with this company. They got my financial information without my permission. Identity theft. 
The company is in violation of the FDCPA. I sent an invoice for those violations. The company has not paid the invoice. This issue has not been resolved. I just sent them a NOTICE OF DEFAULT AND OPPORTUNITY TO CURE to pay my invoice.

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 2016-05-05
Company: Rauch-Milliken International, 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 was fraudulently charged a service fee for XXXX for my restaurant business. I never agreed to sign up or be charged. The rep from the company spoke to the front cashier who has no ownership and told them to sign up. They called me and I said do not sign up for anything. The rep still signed us up and sent my restaurant a bill. The rep does n't have my name on the bill but part time workers who he spoke to and has the business name wrong. I called XXXX and they said the employees agreed so I have to pay. Now it is with a collection agency who sent the letter to XXXX of my employees saying they would be seizing bank accounts. Rauch Milliken International is the collection agency. I spoke to them and explained to them what happened. They do not know who I am or the correct business name, but they are sending it to a lawyer to seize assets. Their phone number is XXXX ext XXXX.

Company response to consumer: Closed
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/2022 I sent a letter to the credit agency disputing an account on my credit report that was not mine. I never had any account with XXXX  XXXX XXXX XXXX. I ask for the credit agency to investigate and remove this account from my credit report. I received a letter dated XX/XX/2022 from XXXX  XXXX XXXX XXXX stating that my account was paid in full. I never had an account with this company. The credit agency did not do a throughout investigation The credit agency did not provide the method of verification used to verify this account. The credit agency is also reporting this account was discharged in bankruptcy which is also inaccurate.

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 2016-02-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it is showing XXXX late payments. I have contacted XXXX / XXXX with this issue. They stated that their report of the loan shows no late payments. I have all the original documents showing the dates of the deferment, payments due as {$0.00} and statements for the period in question showing amount due {$0.00} which I forwarded to Experian during 3 different disputes, but the report remains unchanged. Experian keeps sending me a report stating that the XXXX items ( XXXX different tranches of the same student loan ) were updated from their processing of my dispute, but it is unable to provide with method of verification or documents showing different information than what I provided directly from XXXX. Experian keeps quoting FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), but they are in direct violation of the act. I demand immediate correction of my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The loan on my townhome was taken out in XXXX and serviced by XXXX XXXX. In XXXX this loan was sold to Ocwen whom now services the loan. I have never during the life of this loan made any late payments, however, today XXXX/XXXX/XXXX I received a letter from Ocwen date XXXX/XXXX/XXXX with the following " Initial Due Diligence Letter California XXXX XXXX XXXX '' that indicates they are required by California Law to send me this notice before initiating any possible foreclosure proceedings. This is an official notice that, according to our records, your mortgage is currently past due ... .blah blah blah ... the payment was posted with Ocwen XXXX XXXX/XXXX/XXXX which has been verified by XXXX of their servicing agents. I continue to less and less satisfied each month because of the aggressive nature towards me and the serving of this loan, again which I have NEVER missed nor made a late payment on. Additionally, Ocwen has denied me a refinance with them for a 30 year fixed conventional mortgage where I have not asked to be consider for the HARP and have the balance reduced I only have requested a refinance of the current balance into a 30 year fixed conventional mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: BlockFi Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I am a user of BlockFi - an cryptocurrency exchange and lending service, where I have roughly {$370.00} of XXXX in my 'Wallet '. In BlockFi 's terms of service ( https : //blockfi.com/wallet-terms ) it states : XXXX ) The title to the cryptocurrency held in your BlockFi Wallet shall at all times remain with you and shall not transfer to BlockFi. 

XXXX ) Except as required by a valid court order or applicable law, BlockFi shall not sell, transfer, loan, hypothecate or otherwise alienate cryptocurrency held in your BlockFi Wallet unless specifically instructed by you. 

Recently BlockFi have been financially impacted by the collapse of XXXX ( another cryptocurrency exchange ), and have made the following announcement : " Until there is further clarity, we are limiting platform activity, including pausing client withdrawals as allowed under our Terms. We will share more specifics as soon as possible. We request that clients not deposit to BlockFi Wallet or Interest Accounts at this time. '' I have a withdrawal transaction in a 'Pending " state, that I created on XX/XX/XXXX at XXXX XXXX, which I initiated a number of hours before receiving this announcement in an email from BlockFi. 

BlockFi have been silent for the past week, and there have been news articles circulating that suggest that BlockFi is likely to declare bankrupcy in the coming days/weeks. I would argue that BlockFi are in violation of their terms of service by preventing me from withdrawing my asset, and I'm worried that my asset will become completely inaccessible to me if BlockFi were to declare bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I transferred XXXX GUSD and XXXX XXXX into my Blockfi wallet so to transfer into my XXXX account on XX/XX/2022 at XXXX. I got confirmation that it went into my Blockfi wallet. I got two emails from Blockfi requesting to complete identity verification using my ID ( this case I used my drivers license as my ID ) to complete the transfer into my XXXX XXXX account. I got confirmation on both regarding the id verification. 
Both transactions were still showing as pending as of XX/XX/XXXX. Today XX/XX/2022 I received an email from Blockfi that my XXXX transaction request is cancelled. Both currencies are still in the Blockfi wallet. I wish to transfer my funds out of Blockfi to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Turning Point Solutions LLC
State: MD
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I attended a college in XXXX, XXXX in XXXX, Florida where I attempted a certificate in XXXX. The school was closed by either the Feds or Florida because of its unscrupulousness with students. As a result i am currently paying back my federal student loans, but i have been recently hounded by a private company requesting to pay XXXX dollar private loan that was taken out by XXXX enterprise in my name. I did not sign a promissory note about the private loan. and it was be foolish to take out a private loan when I am afforded opportunities to pay for my education with subsidize and unsubsidized student loans. I would like the harassment to stop. Additionally, the company can not provide me with any information regarding the loan and neither can they tell what my rights and responsibilities as laid by the law with loan collection. Please address immediately. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
Citibank Promotional Accounts Citibank provides credit cards for Sears, Home Depot probably many others. The Credit cards issued by Citibank can be store cards, that can be used only at the merchant only or a XXXX or XXXX that can be used everywhere. As part of the credit services, promotional accounts, i.e., " same as cash accounts '' is also provided. 
My understanding is that if a consumer has a promotional account and other charges on the credit card, consumer payments in excess of the minimum payment must be applied to the promotional balance first until it is paid off according to Federal Regulations. Citibank does not apply the excess amount to promotional accounts. Instead, Citibank uses some type of a hierarchy. 
If you cal them, they will tell you that the consumer can request the excess of minimum payment to apply to the promotional balance. 
Unless the consumer is aware, the consumer is going to get slapped with the high interest accrued towards the promotional balance. 
Citibank does not to disclose the consumer how they apply the excess of the minimum payment. 
In my case, I would have incurred an addition {$600.00} all the while I was making payments in excess of the minimum to pay off my promotional balance. When I called the Customer Service today XXXX XXXX/XXXX/17 XXXX, the representative told me about the convoluted hierarchy, which I do not understand. When I informed them that they are in violation of the Federal Law regarding credit card payment, the representative retroactively allocated my excess payments to the promotional balance and my promotional balance is paid off.

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 2022-11-19
Company: SYNCHRONY FINANCIAL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Acct XXXX, Account name : SYNCB/CARE CREDIT Acct # XXXX Account name : # XXXX XXXX Acct 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Paypal Holdings, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from a third party debt collector, XXXX XXXX XXXX XXXX in XXXX, NY claiming they were trying to collect a {$2000.00} debt I owe to PayPal , Inc . 

I use my PayPal regularly and neither my regular PayPal nor my PayPal credit account show any balance owed or past due.

The letter claims that PayPal will accept {$1500.00} as partial payment if I cough up the money quickly. I have reported this to PayPal 's security team as well. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Some hacked my Coinbase account. They stole almost all my assets and transferred XXXX $ out of my bank. There is also a pending {$1000.00} transaction that Coinbase says they are going to sell my assets to pay for that XXXX . Coinbase had done nothing to fix these problems. I feel like Coinbase is a scam in it self to steel my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was informed that since I am receiving XXXX XXXX that my student loans ( all ) will be forgiven. Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
need what I owe for hud settlement hud 1 formchase was supposed to write this offneed amt nd acct #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems LLC is trying to collect a fraudulent ( never existed ) debt of XXXX. 

Some months ago I received a letter from a company called " XXXX '', I believe they claimed that they were based in Minnesota. They claimed that I owed a debt of over {$2100.00} from a XXXX transaction. I had NO recollection of ANY unpaid debts, and so I contacted XXXX, which said that no such transaction had ever existed in all their years of records for my ( long unused ) account with XXXX. 

XXXX repeatedly called me. After repeatedly telling the callers that XXXX had confirmed there is no such debt as the one claimed they still persisted. 

XXXX sent me a letter ( from Illinois ) claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule. I believe that they said they were part of " Jefferson Capital '' On XX/XX/2021 I received a notice in the mail from " Jefferson Capital '' claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I set up automatic bill pay of my credit card from my checking on XXXX/XXXX/16. Tech support confirmed this, my credit card is due tomorrow XXXX/XXXX/16 and was not paid. They recognize the auto pay and ca n't explain why the system did n't pay the credit card. I was on the phone for over 2 hours and got cold transferred 5 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 2021-09-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint ( XXXX ) against Select Portfolio Servicing inc. See complaint and their response. I had request for them to give me a letter showing that I was current since they will not give it to the insurance company and my insurance was going to get canceled. They said no to me as well. They did not want to give anything show that I reinstated my mortgage including a receipt. So my insurance was canceled and they stated the were going to add an insurance at my cost. When my insurance was canceled because of their actions. They also request that the remainder of the insurance refund be sent to them by my insurance company and not me. Did SPS add an insurance and charge me for it? What did they do with my insurance refund? They are also not very transparent when it comes to my account. My insurance now is about {$500.00} more a month for the same coverage I had prior.

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