BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dates: Ongoing fraud since or about 3 1/2 years since FYXX/XX/XXXX, XX/XX/XXXX. Fraudulent amount XXXX  on card from zero liability XXXX  theft. No credit issued or credit replacement card issued to the new address rather than simply mailing the card Chase has not sent the card via XXXX  since the United States Mail is not running for some reason unknown.Specific issues:1. Chase Marriott's Bon Voyage has failed to return my credit card after closing a card due to fraud. 2. Fraud no replacement card.3. Fraudulent transactions for zero liability protection.4. Refusal to return card & allow usage of my card.5. Refusal to provide the bank statement for a period of 3 1/2 years & notifying and contacting Marriott of this problem refusal to allow contact to the credit card & routed for 3 1/2 years to security department failing to explain each time why.6. My calls are confirmed receipt & by fraud the account is taken over by the so-called "security department."  7. My call after phone the company is then hacked & stops working all remaining calls are rejected. 8.  I didn't received advertised interest rate.9.Trouble using your card (making purchases, credit limit)10. Credit card will not allow the bank statements & I don't know the payment amount each mother because of this I am assess late fees not knowing the payment amount &Fees or interest.11. A Fraud charge was not authorized from a company named XXXX  & reported to  Chase Bank Card & Chase has refused to  the confirmed reporting or returning my replacement card.12. Problem with a purchases shown on your statement(billing dispute, fraud, transaction issue)13. Problem when making payments14. Problems with the terms & condition & rewards program & convenience checks & privacy issues someone has taken over the card from the best of my knowledge.15. Problem with credit report or credit score for the above reasons.16. Can't use card to make purchases. THIS COMPANY REFUSED TO REPLACE MY CARD AFTER REPORTING THE FRAUD ABOVE & REFUSES TO SEND IT EXPEDITED IMMEDIATELY AS IT HAS BEEN 4 WEEKS NOW SINCE XX/XX/XXXX &/OR BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Westlake Services, LLC
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: Information belongs to someone else

Complaint:
This shows in my credit report and does not belong to me : Westlake Financial Services Acct # XXXX Date Opened : XXXX and Current Principal : XXXX Payment : {$770.00} Last Payment Date : XX/XX/22

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 2021-11-17
Company: CITIBANK, N.A.
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: Information is missing that should be on the report

Complaint:
CITI CARDS/CBNA - XXXX is not reporting my account to XXXX. This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed. 

XXXX XXXX XXXX - XXXX is not reporting my account to XXXX XXXX This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed.

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 2021-11-17
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After sending a Notarized Affidavit of Validity, Midland Funding failed to verify this alleged debt. This company is furnishing deceptive information and forms pursuant to 15 U.S.C 1692j on me a Natural Person whos Federally Protected. I am a Consumer whos never authorized nor autographed any agreements with midland funding, Which is a clear indication of Aggravated Identity Theft according to 18 U.S.C. 1028A. This company is violating my consumer rights and reporting false and misleading information and representation 15 U.S.C. 1692e of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am referencing case   XXXX   from the CFPB. This case was closed and was originally opened due to Chase closing my accounts without notice due to too many requests for credit, despite them approving me for the credit and informing me of my excellent repayment history. Upon further review, Chase reopened my accounts  on   XXXX   XXXX  , 2017. This  was 9 days ago. Upon calling into Chase tonight, I was informed that they had closed all of my accounts again. They have essentially lied to the CFPB and me stating that they would reopen my account so that the case would be closed and then closing my cards right after CFPB closed the case. This is definitely unethical behavior on Chase 's end and also closing my accounts after 9 days later telling me that they would be reopened. Also, in reference to the previous case, Chase 's representative refused to provide any sort of reference number or a specific name that I could reach her by, thus I still have been unable to reach that lady who provided me the initial information. Very sketchy for a " legitimate company ''. I have not done anything wrong and my payment history shows no bankruptcies or delinquent accounts. Additionally, I have perfect payment history carrying no balances between months and always staying under 1 % of my utilization ratio. My closing my account without notice, not only are they hurting my credit as I am   XXXX   years old with one of my oldest accounts with Chase, they are also misleading the case referenced by stating they " reopened '' my accounts, just so that CFPB would close the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have  had Sams Club/ Synchrony Bank credit card for over a year, someone fraudulently accessed my account changed my address, phone number, email, cell phone, log on and password, and my complaint is Synchrony Bank did not notify me at all. I found out by security monitoring service that saw change in my credit re port. I have been very upset with Synchrony Bank that something like this could happen without any notice whatsoever to the card holder and they insist they followed normal procedures. I do not feel safe having a credit card with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX {$550.00} balance has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX {$7800.00} has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX {$0.00}. has violated my rights. 
In accordance with the fair credit reporting act XXXX and XXXX {$130.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have tried to pay off my credit card in full for the balance amount I had left. However, both times the payment was reversed by the credit card lender, BBVA. Subsequently the BBVA dinged my credit score by claiming I had missed a payment. This is despite trying multiple times to pay off my credit card in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 # ending in 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SHOW LESS

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 2019-08-27
Company: ERC
State: MI
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:
On XX/XX/2019 a Certified letter was created and sent to XXXX Credit reporting which included all necessary documentation requirements to demand " VERIFIABLE PROOF '' of an original consumer contract with my signature on it for the account named Enhanced Recovery for the original creditor XXXX. Account # XXXX This request was asked for under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) that XXXX is required by Federal Law to verify through PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT. 

On XX/XX/2019 a Certified letter was also created and sent to Enhanced Recovery demanding the same detailed information. As of today 's date XX/XX/2019 I have received NO REPLY from Enhanced Recovery. 

As of XX/XX/2019 I have received through general USPS mail, that the dispute result to my above correspondence from XXXX informing me that the company ( enhanced recovery ) " CERTIFIED '' and " ACCURATE '' information that they are reporting to XXXX and my dispute remains unchanged This is NOT what I requested from either XXXX or Enhanced Recovery. I asked for PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT to which under Federal law they are REQUIRED to provide or the negative item reporting has to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX at XXXX XXXX., I recieved an e-mail from Western Union saying my Money transfer is being reviewed.  When seeing this I thought, this must be a scam email because I never sent any money and hardly use Western Union.  I received a secondary email shortly after, XX/XX/XXXX at XXXX XXXX., saying my transaction must be further escalated for review.  At this point, I decided to call Western Union and find out more.  It appears as though someone hacked in to my Western Union account where my banking information was saved and attempted to send $XXXX to XXXX.  I was transferred to the fraud department where they asked me WAY too much information such as my bank account information, my address, etc.  She said not to worry, transaction will cancel and  I will be refunded. I proceeded to remove my information from the Western Union website and change my password.  I then called my bank and notified them as well and made a claim.  I waited the 7 Business days western union recommended for a refund and never received.  I called back on XX/XX/XXXX and they told me the amount was already refunded to my account. I called again and they told me oh we will need you to send a copy of your ID.  I refused because at this point  I do not trust the company!  I received more emails asking to send a copy of my ID so that they can finish the TRANSFER to XXXX.  I refused to send my ID for both those reasons. One i do not want the money to be transferred, two I do not trust Western Union is doing their job correctly and is misleading me.  I checked my bank again multiple times and did not receive a refund.  I called my bank and they assured me not to worry as my claim is already completed through them.  As of today, XX/XX/XXXX, I still have not received a refund, BUT, I received an email from Western Union again saying my transfer has been completed and is available for pick up for the receiver in XXXX.  At this point I have become Enraged.   I logged on to the website, it shows the transfer is complete and the receiver should bring in ID to pick up the money.  I chatted with a representative at western union who told me not to worry, the money is not available for pick up and the refund process has started and will take about 7 business days.  So now, we are back to them saying 7 business days.  I have been hearing so many different things.  I am missing $XXXX from my bank account, and western union has not given me one straight answer from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX  from  Wells Fargo g ive me instructions on how to proceed or how to ask for an extension so I do so just the way he told me the original Conversation we can have two weeks later call me back and is asking me for more documentation more information paperwork from the court etc. Why did you not tell me that from the first time.   We have been going through hoops bounds trying to satis fy Wells Fargo wh o seem to be harassing us keeping us from paying off the reverse mortgage forcing us to become legal representatives of the deceased. I do not appreciate  XXXX   XXXX  in accurate information he should be reprimanded or fire d. Wells Fargo  's company takes advantage and harasses elderly only to keep the property for themselves.      Wells Fargo ca n't seem to update any records anytime soon, I will never recommend or use Wells Fargo un til the day I die. Home owners insurance was purchased  three  months ago and it still has not been updated and yet they take out their own homeowners insurance on the property sending me a bill  XXXX  ...    Yes Wells Fargo   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 2021-11-17
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Saturday XX/XX/XXXX my Coinbase account was hacked, I received a strange phone call and ignored it 3 times before answering and when I answered they wanted me to confirm or deny a transaction on Coinbase and then sign in, I received the 2-factor authentication code and was immediately locked out. While locked out of my account my Coinbase portfolio was drained of all my XXXX and {$1400.00} more of XXXX was attempted to be purchased through my bank account. While being locked out I was in constant communication with someone at Coinbase support trying to restore access to my account. It took until last night XX/XX/XXXX, to get full access to my account. Upon gaining access it shows that the transactions for {$1400.00} were denied, because I issued stop payment thru my bank, but Coinbase says i owe them money and need to make a payment! I have lost {$600.00} and had to pay {$76.00} to my bank to stop payment on the {$1400.00} and I simply want my money back so I can close the account and walk away from that company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At XXXX XXXX they called requesting payment as it was due on the XXXX.  I let them know I will be paying the bill on the XXXX when I get paid, I asked for them not to call me again before the XXXX. At XXXX XXXX they called again requesting payment and wanted to know why I cannot pay today.  I let them know again that payment would be made on the XXXX, please do not call me again, I am at work.  At XXXX XXXX they called again, I told them if they do not quit calling me that I would turn them in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21
Company: ERC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ERC a debt collection agency is trying to collect a debt that I do not owe. They sent me a collection letter for the first time without any phone call. I didn't authorize nobody to use my information. 

They are collecting an amount of {$3100.00} from an assumed balance of {$1500.00}. 

This company have base in Pennsylvannia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: TX
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 am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan have had my rights violated by EQUIFAX. EQUIFAX have recorded information on my file without my written consent violating 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681n ( a ) ( 1 ), EQUIFAX are civilly liable to me. I have made them aware of this as evidenced by CFPB complaint number XXXX. On XXXX I received an updated file stating that all six accounts in question would remain on my file, now making them willfully noncompliant pursuant to 15 USC 1681n ( a ) ( 2 ). Their reasoning for this was that all accounts were verified by the creditors, which can not be true as I am the original creditor as defined by 15 USC 1602. EQUIFAX, after being made aware of their transgressions are now civilly liable to for me damages in the amount of {$1000.00} per instance of violation pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). I am demanding that EQUIFAX delete all accounts in question from my file and compensate me for all damages to which they are civilly liable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
While in XXXX school, I was on educational deferment. During the fall of 2016, I was a full time student at the University of XXXX. Half way through the semester, changed my enrollment status with one of my classes to audit and unbeknownst to me, this changed my enrollment status from full time to part time. Navient was notified of this change in status, however, I was not -- by my school or by Navient, and my loans went in to repayment without my knowing. It was n't until my bill was already past due that I was alerted to the situation. When my loan went into repayment in XX/XX/XXXX {$92.00} in interest was capitalized. Then another {$160.00} was capitalized in XX/XX/XXXX. And another {$11.00} was capitalized in XX/XX/XXXX when I went from educational deferment to Income Based Repayment. All of this was done without Navient every notifying me, or giving me the option to pay the interest before it was capitalized. The actions in this situation on the part of Navient have been, at best, negligent. In addition, I have {$2600.00} in previous capitalized interest, due to lack of proper communication and information delivered to me by my service provider.

Company response to consumer: Closed with explanation