BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am filing a complaint against JP Morgan Chase in reference to my online XXXX XXXX XXXX transaction # XXXX processed through Chase.com in the amount of {$520.00} on SundayXX/XX/2017. The amount was debited from my chase checking account but was n't credited to the XXXX XXXX XXXX account for which was to be sent by mobile number ( XXXX ) XXXX. The funds were never received by the orher party. After I completed all the required information needed to send the funds, the receiving party received a text message from her banking institution, XXXX XXXX XXXX, confirming that the fund were being sent to her account with the confirmation # XXXX, however the money was n't credited to any of her accounts. Both the other party and myself has reached out to both Chase and XXXX XXXX XXXX to attempt to recover the funds and have had no success and have only been given a run around. I have already filed a claim with Chase to trace the the funds ( claim # XXXX ). That claim has been denied because Chase has determined that the funds have been credited to A XXXX XXXX XXXX ACCOUNT eventhough I 've made it clear that it was n't any of the accounts of the correct receiving party. After a visit to a branch and multiple calls to the claims department pleading my case finally, Chase made a courtesy recovery attempt to recover these funds. I was advised that although Chase was able to determine the account holder that incorrectly received the funds they are not able to recover those funds from XXXX XXXX XXXX. No reason was provided to me as to why XXXX XXXX XXXX will not comply with the claim filed by Chase. I do not feel it is appropriate for me to be out of a significant sum of money due to some data entry or accounting error on the part of either Chase or XXXX XXXX XXXX. My instructions on who to pay was correct as XXXX XXXX XXXX confirmed they identified the correct payee based on the telephone number I provided when processing the transaction. I ask, as a long time customer, that Chase return my funds as soon as possible and continue to work to resolve this issue with XXXX XXXX XXXX.I 've even made it clear to Chase that I 'm willing to fight this battle on my own if they would release the info needed for me to go against the incorrectly credited party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I disputed late payments on my XXXX, TransUnion and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. XXXX, TransUnion and XXXX are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : EXXXX Late Payment : XX/XX/2021 Account Name XXXX XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 2021

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 2021-02-17
Company: Radius Global Solutions LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling repeatedly every day. EVERY DAY and 2-6 times in a row!! Will not leave a voicemail with call back number or any info. I called and asked them to stop calling, and they knew my name without me telling them. I have blocked numbers, but they keep using new ones to get through. They always start with XXXX. If it is a legitimate business for debt collection, they could at least leave a message. The company is Radius Global Services.

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 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion reporting the following incorrect information : New Employment Alert Type : New Employment Processed Date : XX/XX/XXXX Employer 's Name : XXXX XXXX XXXX   Although I work for XXXX XXXX XXXX ( notice incorrect/misspelled employer name ), since XX/XX/XXXX I have been and continue to be a XXXX XXXX of XXXX XXXX XXXX, XXXX. I work for two entities.

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 2017-06-16
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ).   On  X/X/17    I tried to pay a collection agency  XXXX   XXXX   XXXX  of what I owe from credit card from Barclays bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the  XXXX   XXXX   XXXX  to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to cont act Barclays. I called Barclays to see if  could pay them and they told me no too because my account was closed.  XXXX   XXXX   XXXX  told me they would have to ask Barclays for permission to open the account so I can pay my debt. As of today,  X/XX/17    I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report.   Also, my credit report says money due is {$2300.00} but  XXXX    XXXX    XXXX  says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more?   All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?

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 2018-10-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX and Equifax has many unauthorize inquiries and negatives reporting that is hurting my credit scores and opportunity to achieve a VA Home Loan to  purchase a home in California. 

Here is a list of Unauthorize inquiries from all three major Agencies. 
( 1 ) XXXX displays 1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX Via XXXX XXXX 4.XXXXXXXX XXXX via XXXX XXXX 5.XXXX  XXXX XXXX 6.XXXX XXXX  XXXX via XXXX XXXX 7 XXXX XXXX XXXX XXXX. 

( 2 ) Equifax, 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  5.XXXX ( 3 ) XXXX. 1.XXXX XXXX XXXX 2.XXXX  XXXX  XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX 6 XXXX XXXX/XXXX XXXX XXXX 7.XXXX XXXX XXXX. 

I am XXXX, XXXX XXXX. Very Urgent Matters on my credit scores and my credit to be in prosperity and Innovation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, I discovered a negative account XXXX XXXX XXXX XXXX XXXX XXXX for {$78.00} had been re inserted into my credit file. Company is required to notify me within 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

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 2021-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME XXXX XXXX XXXX XXXX ( WHAT IS THIS XXXX XXXX XXXX XXXX. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY XXXX XXXX DENIED ME BASE OF XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX XXXX XXXX  XXXX  CONSUMER INQUIRY DEPARTMENT. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY XXXX XXXX IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE SAM UPDATES OF PAGE. ALSO XXXX  OR EXPERIAN HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX  XXXX, MY NAME IS XXXX XXXX THAT IS IT! 1 I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE XXXX  XXXX  WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!

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 2018-06-02
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple dispute letters after receiving a bogus bill by this company in XX/XX/XXXX. I began sending dispute letters starting in XX/XX/XXXX, and continued in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I Explained to Diversified Consultants that I do not owe a debt to their company. I requested in each of my dispute letters to verify and validate this debt but sending copies of original contracts with my social security along with my signature confirming that I entered into a contract with their company. Diversified Consultants has never sent any documents with proof that I owe a debt to their company. The only information that I have received from Diversified Consultants is a bill with a name similar to mine and an amount due of XXXX. I am being harassed by this company, and have had my credit ruined with all 3 credit reporting agencies. I also requested in my dispute letters that all collection calls cease and to only notify me by mail concerning my dispute and their company has continued to contact me on my cell phone number numerous times a day. I want the harassment stopped and my credit report corrected immediately by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from IC Systems in XX/XX/XXXX. The letter is dated XX/XX/XXXX. The letter stated that I owed {$59.00} with an account number to XXXX. I was a current customer with XXXX  at the time. I called the agency and they stated they received the account 5 days ago and that is was from equipment from XXXX. I told them that there was a mistake that all equipment from me moving was returned. I then called XXXX and asked them why they did not reach out to me regarding a balance when I am still a customer, I receive a bill to my current address, and transferred services when I moved. XXXX  advised me that they mailed a bill to my old address by mistake. I informed them that I returned the equipment. A representative stated that she would research it and give me a call. I never received a call and called to follow up on the research. I received a notification that the collection agency reported the {$59.00} on my credit on XX/XX/XXXX. I disputed this with XXXX. XXXX  never or the collection agency called me back to validate the debt or provide me an option after I disputed the debt to make a payment to avoid any reporting to my credit. XXXX  clearly admitted to making a mistake. If I am still a customer and had an up to date account why wouldn't they mail it to my address that I provided and still used? Why did they wait over 2 years to report to collections and why did no one ever return my phone calls to state they are still collecting. This was extremely unfair to the consumer that is blind sided by a debt not owed.

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 2022-02-28
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got letters in the mail from M & T bank about an account opening on XXXX and then got another letter from XXXX XXXX  stating I opened and account with them on XXXX. 
I did call both and have them both close the accounts and was told to come here and report that. I also got a letter stating that I ( AKA someone else ) put in a request for unemployment with the current work place I'm at, I sadly couldn't get ahold of anyone to inform them that it was not me. I haven't given any information to anyone.

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 2017-08-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
2015 amount- approx. {$2000.00} company American express I sent 7 letters and retained copies of all I spoke to customer service reps at least 6 times I sent letter to president of Amex I sent letter to credit bureaus explaining my case company wrote off amount as noted in my credit report and also noted I objected intial charge {$1500.00} for a plane ticket that Amex travel booked for me that was cancelled 5 days after booking and 5 months before anticipated usuage. They argued ticket was non refundable ( never told to me ) and they have tape of conversation that I asked 7 times to produce but they never did..because it doesnt exist, imagine I was client for over 30 years and spent an average of over 100k per year and always current and they cancelled my credit, advised credit bureau that had a whole lot of reprecusssions for me. HOW ABSURD that we could n't figure this out and they seemingly had no desire to do so as well I have informed them I would meet with them face to face and cooperate any way I could but all for nothing ... ..they were convinced I committed some sort of crime and refuse to discuss matter as it is now written off. I want it off my credit report please if you can help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Refer to complaint # XXXX This is a continuation of the complaint, which is still not resolved. While they are no longer calling me 8 times per day, they are still calling from collections. I began asking for the XXXX XXXX form for my private student loan with Navient in XX/XX/XXXX. To date, I have received no such form, despite requesting it twice and being told that it had been requested and sent. Today, I was FINALLY given a number to their XXXX department, where the advocate said it had never been sent. In the meantime, my credit score has plummeted from XXXX to XXXX soley due to their reporting of my delinquency. This collection and reporting should have stopped when they sent out the form, which they did not. The advocate said today that she would fax the form tomorrow to my financial counselor, and that this would all be cleaned up once the form was approved. However, I have reason to believe that this might not happen, since they have not been forthcoming with me. This has caused a lot of frustration over the past months. I 've been lied to and sent in circles, being transferred from one wrong department to the next. This phone number should have been given to me back in XX/XX/XXXX at my first inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I completed a wire transfer with XXXX XXXX on XX/XX/XXXX at approx. XXXX XXXX EST to Coinbase Inc via XXXX XXXX. The amount of the wire transfer was $XXXX. The information included in the wire transfer is as follows:As indicated by Coinbase Inc, wire transfers may be received the same day if completed by XXXX Pacific, otherwise they will be credited to the account on the next business day.The wire has not been credited to the account as of now, XX/XX/XXXX XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received by XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received and stated that they sent the wire to Coinbase Inc. XXXX XXXX provided the wire reference number.Wire reference number: XXXXI emailed XXXX today XX/XX/XXXX with the information requested. I called the wire support phone number and was prompted to send an email to the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Filed original refinance in XXXX of XX/XX/2021, today is XXXX of XX/XX/2021and its still not done. I keep receiving various excuses and have had multiple people help me. They constantly do not notify me on updates and do not communicate with me regarding the process. 8 months later they are still giving me the runaround. Next they ran my credit by misinforming me my file has been closed and I need to restart the process, which is false. Next they said they would waive the appraisal because of the value but they come back and say they have no choice to do it. Ive had multiple values given for the house and nothing seems to make sense with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Multiple credit disputes were filed with the 3 credit bureaus ( XXXX, XXXX, Experian ) regarding a car loan with XXXX. The account has been closed and paid off with Ally ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
XXXX ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) Experian ( file # XXXX on XX/XX/21 ) XXXX ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all 3 bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with XXXX on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact XXXX XXXX or XXXX as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to my credit 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 2022-07-08
Company: EQUIFAX, INC.
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:
This is in regards to account XXXX under XXXX XXXX XXXX XXXX credit report. All 3 credit bureaus are reporting that I have late payments with XXXX XXXX XXXX XXXX - XX/XX/2019, but this is incorrect information as I was not late on payments during this reported time frame. I have tried to resolve the issue directly with XXXX but they claimed to not be able to make any changes. I understand under my legal rights that any information that is inaccurate must be removed from my credit report.

Company response to consumer: Closed with explanation