BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I transfered XXXXUSDT XXXX  from my wallet XXXX XXXX  to my XXXX account, tha problem is that when i made the transacction i sent the XXXX usdt into an ehetrum account that kraken had provided instead of sending the XXXX to my XXXX account, so the token went to their ethrum account instead to my XXXX account. this transacction was made and confirmed in XXXX the XXXX. i obviously clamied to the company but they say that they are not responsible of the money because i put a wrong address sothey can take years or maybe never can be recovered. but the money is in their account and they only have to do that manually

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
On Saturday, XXXX XXXX, 2015 I went to Chase Bank to cash check that wriitten and from Chase I show proper ID and they request me and other to pay {$8.00} to cash their own check. When I ask the tell and the bank respresentative they said do have this in written they tell customer this without legal statement to explain the fee nor is it posted in the bank Please investigate Chase Banks product and services and ensure the bank is working according to United States Federal Bankng Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2016, I was given incorrect information from my bank ( XXXX ) in regards to whether a mortgage payment to Seterus would clear. XXXX told me that the payment would clear. The payment ended up not clearing. XXXX has acknowledged that this was their error in writing. After reaching out to Seterus numerous times, I was not able to get a clear answer in regards to why the payment did not go through i.e a supervisor told me that it was not due to insufficient funds it was due to a typographical error. I received misinformation from Seterus every time I called constantly for a month. Due to this the XXXX payment was applied on XXXX XXXX, 2016. 1 day late from the 30 day reporting guideline. They record all of their phone calls. I have requested several times that they produce the recorded conversations that I had with their reps. I am confident if anybody heard these conversations it would be clear that the late payment was due to their inability to give me accurate information in regards to my account status. To make matters worse, I am currently in the middle of a refinance on my home and this 30 day late has raised my interest rate almost .50 percent. This will cost me XXXX of dollars over the life of my 30 year mortgage. I have tried contacting Seterus several times in regards to this matter. Their reply has been " We apologize for giving you incorrect information '' however it is our policy to report accurate information to the credit bureaus '' and we deem the information we reported to be accurate. '' If anyone listened to the incompetent people working for Seterus on their customer service lines it would be clear that they are unsuitable and unfit to be a mortgage servicer for XXXX and XXXX XXXX mortgages. This company should be thoroughly investigated on there customer service practices. It just cost me XXXX of dollars due to the inability of Seterus to service my loan fairly and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The date was today. XX/XX/2022. I received a phone call this morning from a man informing me that my XXXX account had been hacked. He said there were purchases over {$1500.00} that would be coming out of my account in a couple hours. He asked me for different information. He knows my social security number. He said that there was an internal hacker from my bank so he asked that i get a security card from XXXX and purchase a XXXX XXXX XXXX  {$500.00} is what he told me to put on the gift card. He then asked for the gift card number. After all of this, you can obviously see, I now know that i was scammed.

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 2022-05-18
Company: CURO Intermediate Holdings
State: AZ
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:
Im accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I attempted to get my house refinanced with Chase Bank. After speaking with XXXX XXXX NMLS ID XXXX, he informed me everything looked great! My credit was excellent, my income and assets were great! After initially telling me the loan was approved, Chase quickly realized it was n't in their best interest to approve the loan, because the interest rate would have declined almost XXXX points. 

XXXX was very reluctant to do any email communications, instead he wanted to discuss the issue over the phone. I own XXXX businesses which are XXXX 's, which basically flows all income through my personal income tax. XXXX knew this up front and it did n't seem to be an issue. I was able to show XXXX over $ XXXX in liquid and I make over $ XXXX a year. My credit score is XXXX. 

When it came closer to the closing, XXXX informed me that Chase could not refinance my mortgage and gave me the following excuse as to why they could n't : '' The guideline states that we can not use business account money for the cash needed on the refinance. XXXX statements have your name of the business and can not be used. 
The only way if you wish to continue with the approval process, is if you can provide me with 2 months bank statements with all pages with just your name on it that can support $ XXXX. " Please note Section 37.13 ( b ) of XXXX Guidelines. 

Since LLC income flows through my personal income tax, I did n't see how this should be an issue, it was simply a matter of me transferring the money to my personal account. But, to circumvent me doing so, he wanted to make sure the money was in my personal account for 2-3 months prior. Since I bank and have all of my business accounts with Chase, they know my banking history and where all my money is located. 

Please have someone look into this issue. I do n't see any reason Chase would have denied my refinance claim. Furthermore, Chase agreed to return the {$570.00} back to me, but I still have n't received that back either. 

Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CKS Prime Investments did not contact me about the alleged debt collection they placed on my credit report with the 3 credit bureaus ( XXXX, XXXX, and XXXX ). I did not receive any notice from them that would allow me to dispute the debt in question and though I have tried to contact them I've noticed recently, after reviewing my credit reports from XXXX, XXXX, and XXXX, that the address on file with each reporting agency is different. This is a clear violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: ID
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:
These are not my accounts, nor did I follow through with a chapter XXXX bankruptcy. I have attached the documents for proof. Please remove them.

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 2020-08-11
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/2014 I had automatic payment and the payment didn't process and was rejected. I did contact to discuss with the company and they said they will be fix and not going to report on my credit since was an system error and I never was notified on time.I been trying to deal with this for quite a few time, but this affecting me since I been trying to get a mortgage and I can't get approved because this. I can get approved because this marked as late and the company don't help me with this unfair situation.

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 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit collection agency put this alleged account on the credit bureau files BEFORE they gave me notice about the alleged debt. Just received notice of alleged debt in the current month. 

I reported debt as not being mine to the three major credit bureaus. 

It says that the original creditor was Capital One. 

Requested that the collection agency provides documentation that shows who got this contested account. In the absence of proof of ownership, the collection agencies removed the accounts from my credit bureau file. 

Shortly after the credit collection was removed from my credit reports, one of the credit bureau agencies notified me that the account has been reinstated on my credit files. 

The credit collection agency also says that I paid the account in XX/XX/2021. I made no such payment. 

I still have received NO documentation, such as credit application, that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
During the four months from late XXXX to now, I spent about 100 hours calling the BOA Claim dept, faxed a total of +35 pages of evidence showing the initial impersonation is the crux. But all I got were hours of put-on hold, numerous runarounds. After 100 hours of effort, all BoA did was to close the claim while clear evidence of fraud is right there. Finally, after stating my experience on the BoA CEO, share holders XXXX XXXX, I was able to get their attention and resolved the issue. But it all came too late, other than the 100+ hours wasted, Without the access to the fund, I had to 1 ) cancel my trips back to XXXX XXXX help support my critically ill mother 2 ) borrow money to pay the taxes associated to the lost fund Now I am developing some serious mental health problem due to the stress and financial uncertainty. I often wakeup in a disturbed mind, feel very XXXX a lot of the times in these 4 months, am XXXX and unhappy about everyday I must deal with the fraud and the consequences of it. The emotional instability is something Ive never experienced in my whole life and is unbearable. Im now trying hard to get back my normal life and believe that BoA is liable for causing my emotional distress. BoA is negligent/irresponsible carrying out its duty protecting peoples money, be specific, lack of 2nd verification mechanism in the EDD prepaid card account, caused the fraudster successfully took over my account. Then BoA was deliberately ignoring the evidence I provided and insisted no error was found on my account multiple times. While being a detective myself to find the evidence, I have to doubt BoA was intentional ignoring my evidence.

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 2016-09-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I 've been making the mortgage payments ( Chase Bank ) for my parents for over 10 years now. I make the payments in cash. My parents have moved out of the country, I attempted to make a cash payment like I always do and the teller tells me that I ca n't make a payment because my name is not on the account. She asked me to make a payment by either check or money order which means I 'll have to spend more money. I have the same last name as my parents, I gave the teller my ID and said that i still could n't make a cash payment. Please explain why this new absurd process of payment was put into place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
my mortgage company XXXX XXXX XXXX changed its name to XXXX  the XXXX XXXX XXXX name vanished from my credit file for 30 days, my credit score was XXXX then it took a dive to XXXX, and I lost critical points in the process. I know you are in the process of helping companies make money off of the taxpayers by keeping them in a low credit score bracket. doing this pandemic people are already in a low credit score bracket. if i wanted to refinance my home would have had to pay a higher interest rate because this credit score dived to XXXX i feel that my credit score should not have taken the dive, being protected under the fair credit act of 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 2020-08-11
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hi, I wrote to Discover numerous times. I explained the situation since we were experiencing financial hardship. We had to move due to family health. Also, I lost my checking account. In the past 9 months, we have had 3 hospitalizations and numerous doctor 's visits. The medical condition now worsened to a severe status. XXXX and Social Security does not really cut it at this point. We may need to check into Affordable housing solutions since we barely paying rent and we receive numerous disconnection notices. 
I asked for forgiveness. 

I asked to cease contacting me a number of times. However, they keep calling about 3 times a day. Right now, with no assistance. Most calls are robocalls. They seem to repeat the same threats and the situation has not improved at all especially with this Covid-19 crisis. 

Can you help? This stress is not helping in the current crisis. They say they won't contact, but they continue to do so. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This judgment is currently being reported to all three credit bureaus by a XXXX PARTY. It is against the law and the Fair Credit Reporting Act for a XXXX party to report a debit. I have reported this to the Georgia Department of Consumer Affairs and have asked for their guidance with this. Equifax refuses to remove the judgment as the information being reported is wrong. The listed amount owed on the report is wrong and the paid amount is wrong. 
The information can be verified by the XXXX County Court House as I was told by them on XXXX different occasions about this debit and was told that a XXXX party ( whom they will not disclose ) comes in and goes through their records and reports the judgments. But not on their behalf but as a private XXXX party company. XXXX County Court does not report any information to credit bureaus and the debit is not being reported by the original creditor. 
I am requesting that this judgment be totally removed from by credit file. The information can be verified at XXXX County Court House XXXX XXXX. Case number XXXX. My credit file was updated to show that the debit was satisfied but after speaking with the XXXX County Court and learning that the information is not reported by them I am asking for it to be removed all together for my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: MS
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 Number XXXX XXXX, Account Number XXXX XXXX  XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is the third action I have pursued regarding Equifax reporting of Hard inquiries. After XXXX complaints to them, they reported on XXXX XXXX 2016 that XXXX is reporting no inquiries, see attached, but NO corrective action was taken on their part to remove this bogus entry from my report. What 's more, they claim that they can report my credit status ( hard inquiry ) under virtually any conditions. " If you apply to have certain services, such as utilities ( gas, electricity, water, etc. ) phone service, XXXX, your application, whether verbal or in writing, generally allows the company to make credit inquiry ; and '' So if someone claiming to be me for some anonymous company requests my credit information they can get it!!! This is unacceptable, with today 's public records all you need is a name a birthdate to obtain all info including but not limited to my SS #. 

THERE MUST BE LAWS WHICH REQUIRE CONFIRMABLE CONSENT for such information. 

I have no idea who XXXX is nor do they have a record of an inquiry, however, my credit record is damaged and obviously, Equifax has no intention of correcting the records without written proof from me or XXXX saying remove the entry. 

This is an example of how difficult, no virtually impossible it is to have erroneous entries removed from a consumer credit record. As indicated in the attached document XXXX they accept no responsibility for correcting their error. 


I DEMAND THAT THIS AND OTHER ENTRIES WHICH I DO NOT ACKNOWLEDGE BE REMOVED FROM MY REPORT!!! 

What 's more, I will pursue congressional action to place strict access limitations on this information.

Company response to consumer: Closed with explanation