BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In attempt to repair my Credit I applied and obtained a XXXX and received a {$2500.00} credit limit which I was informed that this account would be reported to XXXX & Equifax on a monthly basis. After reviewing my XXXX & Equifax Credit Report for the past 5 months I have observed that XXXX XXXX has NOT reported my account to XXXX or Equifax. I called yesterday and was told that XXXX Credit Report does not report to XXXX anymore but does report to Equifax. I told the representative that on my Equifax Report that my XXXX XXXX has never been listed as an account in good standing on my Equifax Credit Report. Once I told the Representative that I was going to report this to The Consumer Financial Protection Bureau she quickly ask me to hold and speak to her Manager. When the Manager got on the phone she did not give a valid explanation of why my account is not being reported to Equifax. She requested me to sent her a copy of my Equifax Credit Report. Please note that obtaining my XXXX XXXX no credit check or inquiry was required. I feel uncomfortable of having to provide my credit report which obtains personal information that XXXX has no need to know. I believe that by me advising XXXX that my account is not reflecting on my Equifax Credit Report is all that is needed for them to ensure that this account that I have paid {$25.00} per month for the past 6 months be reported accurately to Equifax. The purpose of obtaining the credit is NOT for me to donate money to XXXX rather to help repair and rebuild my credit. The conversation ended that Equifax is at fault and I need to have them correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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 is missing that should be on the report

Complaint:
On XX/XX/XXXX, I sent in a compliant to XXXX XXXX about how Experian is reporting this account. I spoke to XXXX with XXXX XXXX XXXXXXXX XXXX who stated they are not reaging the account. It is XX/XX/XXXX and my account is reporting XXXX voluntary surrender. Please explain how a car from XXXX is reporting as XXXX? I want this fix by XXXX XXXX so it can be reported correctly. XXXX XXXX made a business decision to close the account on XX/XX/XXXX but that should have not affect my credit reporting dates. I do not want the excuse it Experian doing this because it is the information that XXXX XXXX is giving them. I want proof that XXXX XXXX is telling Experian to state First Delinquency date should be reporting and it should not have a closing date of XX/XX/XXXX because of the business decision you made. You really do not think this is re-aging if it is not what do you call if it the car was surrender in XXXX but is reporting XXXX? I do not get it. I want to someone from XXXX XXXX to call Experian and get this straight out or I need a letter in writing stating this account should reporting XXXX voluntary surrender not XXXX when XXXX XXXX did the business move to closed the account. Once again, I do not want to hear it is Experian it is XXXX XXXX so please fix this. I'm asking for this to be fixed. I will not accept it is Experian as an answer. It is an easy fix to call Experian and let them know to update my account to state XXXX for voluntary surrender. I did not have a contract with EXPERIAN I had a contract with XXXX XXXX so I need you to fix this!

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 2022-10-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I cant enroll in online banking, I submitted a claim with CFPB under the claim XXXX XXXX and case id from Wells Fargo XXXX XXXX That claim wasnt solved and I was requested to call online banking, I called today and they said that my phone can not be verified and I need to submit a claim to have that fixed first so then they can enroll me. That process takes more than XXXX XXXX so I need to have this fixed NOW. more than XXXX XXXX  without access to my account My mobile phone is working and is the same as you have in Wells Fargo system, 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 2021-03-16
Company: JPMORGAN CHASE & CO.
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 or about XX/XX/XXXX, I have contacted JPM Chase Bank to dispute the amount of {$320.00} billed to my credit card by Student Universe on XX/XX/XXXX. 
Chase then sent me a form asking me to fill this form and to attach supporting document. I filled in that form and attached the supporting documents ( this form is attached to this complaint ) which I send by fax to Chase on XX/XX/XXXX. 

However, Chase then closed my dispute without contacting the merchant, Student Universe. In their letter ( attached ), Chase stated that there was " no billing error ''. 
However, I never claimed that this was a billing error. I stated that the Merchant owed me a refund as indicated on the form that I submitted to chase. 

I then called Chase on or about XX/XX/XXXX. I had a long conversation with a dispute specialist who told me that Chase did not look at the documents that I submitted and closed the dispute out of hand. 
This representative then asked me many questions about the charge and my dispute. 
She told me that she has reopened the dispute. This was all done on XX/XX/XXXX. 


However, when I called on XX/XX/XXXX, a Chase dispute representative told me that my dispute was closed again, for the second time, and without an investigation. She stated that chase did not have enough information although I have provided a filled form and answered all questions about dispute during the phone conversation on XX/XX/XXXX. 

The representative on XX/XX/XXXX told me that I had to write to chase to reopen a dispute, but she told me also that chase did not notify me in any way about the second closing of my dispute. 
This was in direct contradiction to the conversation that I had with Chase on XX/XX/XXXX when I spent about 1 hour talking to chase dispute specialist and gave them all the details about the details. 

I asked to talk to a supervisor and was connected to a person who introduced herself as XXXX. I told her that I will complain to Federal Consumer Protection Bureau about the violation of my rights under Federal Fair Credit Act. However, XXXX refused to reopen my dispute and hang up on me. 
She used a XXXX slur to refer to me. 

Chase is violating my rights under Federal Fair Credit Act. I request that CFPB investigate my complaint and sanction JPM chase bank for violation of my rights and for a XXXX discrimination against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
State of GA placed a tax lien of for {$650.00} with a filing date of XXXX XXXX, XXXX stemming back to XXXX tax year Lien shows as paid in XXXX XXXX, XXXX I made several payments before and after this, my payments were applied to the wrong year Reference # XXXX was listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with PNC bank. I have a issue currently with a few transactions which caused my account to go negative and NSF charges that were imposed. What happened during this situation is as follows. I was out of town and knew there was going to be a charge go thru my account next week. I was aware of this so I was very cautious with my spending. To be extra cautious I made sure that when I made any type of charge to the account I checked the balance before hand to make sure the large charge did not come out before it should have so my account would not go negative. I have been told my the service reps at the bank that the processes were in real time so I took that to mean if there was a balance in the account that it would go in the order of the charge. THIS IS NOT WHAT HAPPENED. Although I checked before each and every charge the large charge I knew was coming ( although a week early as I was afraid of happening ) did end up going thru. Now the problem is all those charges that I double checked for a balance they did not process it the way they said it would. PNC processed the large charge first and then all the other small charges afterwards causing XXXX NSF charges. I called the bank and they once again told me that Everything processes in real time. I went back and forth with them and they ended up telling me the balance is just a tool. I was not satisfied with this and the case was elevated to a supervisor. I then received a phone call a few days later and the lady told me that things are not processed in real time. This is a stark contast to what I was told in person at the branch as swell as what the online CSR told me. She went on to tell me things are really processed when the receipts are sent to the bank for payments. Well this makes things impossible to try to fix if there was some type of error on the account. Anyway I feel like the bank was completely dishonest with me on how to try and protect myself against charges. If I would have know in the first place I would have just pulled out cash out of my account and paid with things that way so I did not have several hundred dollars in NSF charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Applying for a mortgage PNC BANK tried to charge me for a simple bank statement. The mortgage company wanted my last 2 months bank statements. They want {$5.00} a statement. {$10.00} total. Threatened them with you- they miraculously waved the fee. Thanks for being thdre

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was making a purchase on ebay, and paypal is linked to my ebay account for purchases. I already had XXXX credit card and XXXX bank account linked to my paypal account. I added a new credit card to my paypal account for this transaction, from XXXX XXXX XXXX. After adding my card, I clicked on " Continue and Pay. '' The next screen asked me for my last XXXX SSN as well as my birthday. I entered this information thinking it was for account verification, since I did not enter my password yet. As soon as I clicked " OK '', it said I had been approved for a XXXX dollar PayPal Credit line! I never even knew I was in the application screen for PayPal Credit ( card ). I called immediately to PayPal support who told me that all they can do was close the account, but the damage had already been done. I have bad credit and was in the process of repairing my credit score, and now I have another credit pull, lowering my score. I did NOT want this credit line from PayPal. I asked the representative if many other callers have had this happen to them, and she told me she gets calls about it all the time, but nothing ever changes even though it has been reported to her management and executives. They are knowingly and deceptively tricking people into signing up for a PayPal credit line. Even though I had JUST added a new payment method ( my XXXX CU credit card ) for some reason it just defaulted back to applying for PayPal credit. I even find the name PayPal credit to be misleading, as I thought it was referring to the XXXX dollars I had in my PayPal account. But no, having any PayPal credit does n't refer to your PayPal account balance ... it 's the name of their credit card. My credit score has now been damaged and I need action to be taken against PayPal for their malicious and devious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Cheadle Law Firm
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
To whom it may concern, I am concern i am contacting you regarding my complaint against Cheadle law ( XXXX XXXX ) Tennessee. They are handling a case with XXXX  XXXX. I borrowed a loan back in XXXX while leaving in XXXX Tennessee. It was a high loan .I don't remember how it was but i know it wasn't a XXXX loan that Cheadle law trying charge me i told one of the represent trying make payment plan and she was very mean and rude. I ask her how much the loan i borrowed and she said XXXX. the interest rate was XXXX and court cost lead up to XXXX. That was my total to pay ..I told her no one try to get intouch with me and she said they don't have to get InTouch to send you to court but i can make a pay arrangement. I don't remember borrowing that much money and i know XXXX  XXXX  sold the account and these people are scaming to get over XXXX dollars from me. This is outrage .they are adding unjustified amount to problem XXXX account are less. They are adding these fees with out any proof of the actual amount that was sent to them. That loan was taking out in XXXX i was making my payment on time i just had lost my job and my phone service and i had to move so i got in a bad debt. But still doesn't mean because i mess up that i have pay extra XXXX or more for it, then i try to make payment arrange with this law firm and still charging outstanding fees. the lady was rude and aggressive and hung up the phone. Not good customer services. My question is how problem XXXX loan or less and come out to be XXXXThey are get over and using they lawyers as intimidation. please hold the firm accountable for unfair practices.

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 2016-08-01
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX 2016 I purchased a new car .At that time no collection was listed, but on XXXX XXXX 2016 a report was listed as collection for $ XXXX.I do not have any idea what this is or whom it is from. It is not mine. I call Equifax at XXXX XXXX XXXX XXXX and all you get is recordings.Never can one speak to a LIVE PERSON. Account number XXXX that was given to me when I made a purchase on XXXX XXXX 2016. Due this error my score dropped over XXXX points. Equifax has a history of entering bogus information. They go by name and SSAN or address plays no role in their determination of how it is entered. This is not the first time this has happened to me personally. 

I would like to have this information removed from my report and to be made aware of what company entered this information. 

I ca n't contact anyone direct -- I have no idea of whom it is..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Mercedes Benz Financial Services
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX XXXX XXXX  I settled the account and have not received the title to the vehicle, nor have I received the final paperwork closing out the account. On XX/XX/, I wrote again to resolve this matter, extending them three ( 3 ) additional business days to respond ; as of XX/XX/, the allotted time has now expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX I contacted 5th 3rd Bank Mortgage pay off Department. I asked them to send me a Mortgage Loan Pay Off letter and expressed to them that i was enclosing a settlement insurance check which i endorsed to PAY OFF MORTGAGE LOAN. 
I sent Check to Mortgage XXXX XXXX XXXX Department with Letter requesting Mortgage Loan be paid off. Check amount was higher than Mortgage Pay off amount, so i asked them to process Pay off and sent me back additional balance from check. I was told it will take XXXX to XXXX days for payment to be processed. Kept calling and after waiting over XXXX minutes on telephone and transferred to different people and getting disconnected and was told again that payment was being processed to wait another XXXX to XXXX days. Called up again and was told check had not been processed, that someone left it on hold but not to worry because in another XXXX days payment will be processed. On XX/XX/XXXX got an email from LOSS DRAFT DPT. asking me for information about repairs in my House. It was XXXX  and bank Mortgage Dpt. was closed. On XXXX XXXXXX/XX/XXXX around XXXX PM a Lady called me and told me i did not have to provide additional information because Mortgage was being paid Off. After Lady from back called me i started getting several emails asking for additional documents. 
Called Bank on XXXX XXXXXX/XX/XXXX around XXXX AM and again i was told no additional documents are needed to process Mortgage Pay Off. 
XXXX  XX/XX/XXXX got several emails asking me again to submit additional documents. 
This is ABSURD! They Cash Check and put it on an escrow account. Instead of processing Mortgage Pay Off and sending me overpayment money back to me. 
I don't understand why this people are withholding my money and are ignoring my request to PAY OFF MORTGAGE LOAN so many times. 
CAN YOU PLEASE! HELP ME! 
THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The company Coinbase has prevented me from withdrawing funds. It has said that I can not have more then 10 pending withdrawals at once. In the past Coinbase has also degraded or blocked my account. The company has ties to the Trump administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting and inquiry on my credit report that I did n't do. I am a victim of identity theft and have recently ended my relationship with a credit repair agency ( XXXX XXXX ) since then I 've been getting alerts that my credit is being ran without my knowledge or consent. Please find that I 've enclosed my supporting documents. 

1. XXXX XX/XX/2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I initially filed a dispute for a service with my bank, USAA that I had on XX/XX/2020. I was given a temporary credit for {$70.00} the amount in dispute. I have sent in lots of proof of what occurred as they asked for additional information in which I provided it to them. I use the USAA XXXX XXXX for my banking needs and I was not aware initially that correspondences regarding this dispute were even sent to me until I made the call and spoke to a representative who acknowledged that these were not provided under the app and agreed with me that they should have been. So that is an error on the banks end. I had no way of providing the information the first time without knowing what was being requested by the dispute team. So I called and had the dispute reopened and I provided all applicable documents on the app in which I have confirmation of. I called back and explained and was told I have no dispute rights. I see they are trying to reverse {$140.00} when it should only be {$70.00}. I am going to attempt to contact the bank tomorrow to further discuss with a higher department hopefully to get resolution. I was also promised a call from a dispute analyst and that never occurred. I am very disappointed in the way this dispute has been handled. It is now mid XXXX and this has been dragged out far too long. I have provided more than enough information and I want this resolved as I feel I am in the right due to the evidence and circumstances of this dispute. 

I feel that there were multiple errors during this dispute process. The bank mishandled my dispute and falsely claimed I didnt submit documents therefore the bank is in direct violation of Regulation E and is now holding me responsible due to me not providing information to the bank. All information as well as pictures and requested information was provided yet the bank failed to follow proper procedures and process the dispute in a timely accurate way.

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