BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My complaint is against the Chase bank who handles my XXXX credit card account. 
I called Chase to request for XXXX XXXX XXXX reference numbers of XXXX chargeback reversals totaling {$490.00} to a merchant 's bank and they are unable to provide them to me. They said there are no XXXX numbers provided. My merchant 's bank informed me that the XXXX numbers and dates are the standard protocols for XXXX transactions. Without these numbers and dates, the bank will not release the funds either to me or my merchant. I also wrote a letter to the Chase dispute department and my issue was not addressed, but stated that my funds were returned to the merchant 's bank. I called the Chase customer service specialist, XXXX XXXX XXXX, who was not available, but had his message answering recording, which I left several messages for him to call me, but he never did call me. Any assistance you can provide to resolve this case is most appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2021-08-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I submitted a request via online support to Coinbase as I no longer had access to my email associated with my Coinbase account. They instructed me to open a new account and provide verification documents which I did so they could transfer the funds into my new account, I have asked for an update weekly since then with zero response. I filed a formal compliant with Coinbase and they referred me back to the original ticket opened on XX/XX/XXXX. I just need access to my account or have funds transferred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-21
Company: Guglielmo and Associates
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XX/XX/XXXX-17 MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
State: NY
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:
Wells fargo accepted my 1st payment of XXXX via XXXX  saving/prepaid gov card. Now that I owe XXXX they XXXX  refusing XXXX accept payment unless my act goes into default. This is not acceptable! It is in good standing and I needXXXX have it that way as I am applying for mortgae housing so much as XXXX  doing may make me loose the home XXXX am applying for. These XXXX  their typical ussuary playbook tactics they XXXX notorious for. They must take payment from me from an acct they've already accepted payment from and stop playing these games

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 2017-01-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is a complaint against fraud by company that originally advertised itself as " XXXX Serum '' and later acted under different names such as XXXX, XXXX, XXXX ..., XXXX, etc.. 

XXXX advertised themselves as an internet store specializing in cosmetics beauty products. My first and only purchase from XXXX was made on the internet through their web store at XXXX on XX/XX/XXXX, for a sample of skin serum for an amount of XXXX, ( plus a shipping charge ). This purchase in no way indicated any contract engagement. The purchased product was shipped and received timely. The fraudulent activity followed shortly in the form of several charges on my credit card that were done surreptitiously, without my authorization. 

Since the charges were completely unexpected, I did not spot them in my monthly bank statements until two months later, and upon scrutiny found all of them. Here is the list, as complete as I can infer from the monthly statements : 1 ) XXXX XXXX XXXX XXXX {$4.00} 2 ) XX/XX/XXXX XXXX XXXX XXXX {$3.00} 3 ) XX/XX/XXXX XXXX XXXX XXXX {$1.00} 4 ) XXXX/XXXX/XXXX XXXX XXXX VA {$99.00} 5 ) XX/XX/XXXX XXXX VA {$89.00} 6 ) XX/XX/XXXX XXXX XXXX XXXX {$99.00} 7 ) XX/XX/XXXX XXXX XXXX XXXX {$89.00} 8 ) XX/XX/XXXX XXXX XXXX XXXX {$99.00} 9 ) XXXX XXXX {$89.00} Items XXXX-XXXX above are related to the first and only purchase I made, and I do not wish to dispute them. Items XXXX-XXXX, on the other hand, represent the fraudulent activities. 

Also, ( I believe in an attempt to justify these above charges ) the company made XXXX small shipments on my name, that contained XXXX small containers with net weight of XXXX ounces, of something called " XXXX '', that to this day remain sealed. If the company wants them returned, I will ship them back, by all means at their own expense. 

I made an attempt to dispute these charges though my bank ( Chase - credit card issuer ) that negotiated with the rogue company on my behalf. As a result, XXXX XXXX XXXX XXXX ( I guess this is one of the names they go under ) condescendingly issued a refund : 10 ) XXXX/XXXX/XXXX XXXX {$89.00} and considered the matter closed. 

On XX/XX/XXXX I received an email from XXXX XXXX where they wrote, among some less significant lines : " we have marked your request as resolved ''. 

This was followed by another email on XX/XX/XXXX where they stated : " Your account has been put on Black list status and we can no longer assist you with any of your account details ''. 

So it seems I have exhausted all my options in trying to get a full refund. This is why I ask for your help. 

the means to contact the company ( s ) are : 1 ) XXXXXXXXXXXX 2 ) XXXXXXXXXXXX 3 ) : Shipping Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I not only wish to get my reimbursement, but would like for this company to be marked under anything from marketing to wire fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Optimum Outcomes has a negative listing on my credit file for a {$60.00} medical debt. The company providing the services was  XXXX   XXXX  which has sent been bought out. All insurance and co-pays have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: U.S. BANCORP
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:
I have called US Bank no less than 6 times regarding a dispute I filed for a charge on my credit card. US Bank says that their supervisors are calling me back, yet they REFUSE to leave a voicemail, and they do not accept incoming calls. I have never once seen a missed call from US Bank, and have no proof that they have EVER returned my call. Additionally, they have incorrectly read evidence regarding my dispute, and are avoiding allowing me to talk to a human being to explain. Additionally, the merchant has provided NO evidence to counter my claims, yet US Bank has ruled against me. It's as if they could not possibly try to service me less. Terrible business practices. 

I purchased tickets through XXXX for XXXX in XXXX XXXX in XXXX of 2019. I selected tickets for DAY 2 on the website, for a SUNDAY, and was charged, but emailed tickets for SATURDAY, the wrong day. Fearing they would sell out, I made the purchase a second time and received the correct tickets for Sunday. I immediately contacted the merchant but they would not help. I disputed the charge with US BANK, and send them an email exchange between myself and the vendor where the vendor ADMITTED that they received 2 ticket orders for SUNDAY, the correct day. Even after the vendor admitted their error, US Bank would not properly process my dispute

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 2016-08-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX Chase mortgages have been resolved since 2009. They are currently reporting negatively 7 years later, the accounts have been paid and I am no longer responsible either accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My sister passed away in XXXX 2015 and I have been attempting to resolve closing her bank accounts with Bank of America since XX/XX/XXXX without resolution. The bank is requesting an Affidavit of small claims which apparently comes in a multitude of forms, all of which have not been acceptable to BOA and I continue to receive letters stating I have notarized the wrong form, having missing information etc. I think the BOA should declare on the Estate Unit site that it is unlikely the customer will be able to close accounts of their loved ones secondary to the complexity of the form or the inability to file the appropriate affidavit to receive the funds from the accounts without the assistance of an attorney. I will be obtaining the services of an attorney at this point in time to close my sister 's accounts.

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 monetary relief
Consumer complaint received 2022-07-17
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX and XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: NV
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:
In XXXX I XXXX XXXX got XXXX  and I did 2 years in XXXX XXXX XXXX XXXX. When i was XXXX XXXX XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXX that I was XXXX in their facility at the time this account was opened and remove from my credit files asap!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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 belongs to someone else

Complaint:
am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize.

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 2019-08-16
Company: EQUIFAX, INC.
State: NV
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:
In XXXX I XXXX XXXX got XXXX and I did 2 years in XXXX XXXX XXXX  XXXX. When i was XXXX XXXX XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXX that I was XXXX in their facility at the time this account was opened and remove from my credit files asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: The Bureaus, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Dear cfpb, after the real estate market crashed in XXXX XXXX California in XX/XX/XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brook.. Our new jobs could not cover our credit cards payments and eventually, we were default on all credit cards and mortgage payments. I had also used my chase/wamu card to pay my chase/wamu mortgage. So after I became default with my credit cards by XX/XX/XXXX and XX/XX/XXXX. Chase sold one of my credit card debts to XXXX / XXXX XXXX on XX/XX/XXXX. And XXXX file a lawsuit and got a judgment on XX/XX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that Chase have had some agreements with CFPB and state attorneys general. But because chase sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. On XX/XX/XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Tuesday XX/XX/2022 the Citibank is closing mine. 
This is every wrongful to close mine account. 
I need someone to investigate this. I call Citibank talk to customer they did not helping me at all them every meaning to me, and XXXX to me and said am XXXX have no money and dont need to open the account. 
I would like Citibank turn in all phone call when talking to the customer on the record line when I call customer service. 
That is every XXXX by Citibank customer.

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 2022-07-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I requested a verification of mortgage ( VOM ) and the lender refuses to send a correct document. The loan is for two properties -- XXXX XXXX XXXX, XXXX, NC XXXX and XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The lender sent a VOM form only showing XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I called and requested a corrected VOM to show both property addresses. The lender said they could not change the VOM. The lender should be able to produce and true and correct document. The document showing only one address is not accurate. I am in the process of refinancing XXXX XXXX XXXX and the lender will not give me a document showing that address on the VOM. This is interfering with my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 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.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact XXXX XXXX, XXXX, and Transunion regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. XXXX XXXX is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?

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 2022-07-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account 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.

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