BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-22
Company: BANK OF THE WEST
State: NE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
When my wife and I tried applying for a loan, the loan officer informed me that on my credit report there were XXXX different collection account for Bank of the West listed. The XXXX shows account name unknown with XXXX balance states unpaid and consumer disagrees. XXXX is listed as XXXX XXXX XXXX XXXXBank of the West with a balance of {$180.00} that supposly was turned over to collection XXXX. I have attempted to gain information related to XXXX of these accounts with no luck not even sure what branch these transaction took place at and I was told without a account number for reference it would be difficult to figure it out since my XXXX number did not pull any information.

Company public response: Company 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: 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 # XXXX, has violated my rights. 

15USC1681 Section 602 states I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I transferred {$800.00} to a family member using Venmo. We were charged for the transaction. Venmo implied this should have been free. I submitted a ticket and tried to follow up but all the links were broken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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:
was not given written or verbal permission for this inquirie added to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Afni collection services placed a fraudulent account on my credit. They sent me a notice to collect on the debt however when I viewed my credit the account was already there before they attempted to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification review with Chase on XX/XX/2015. On XX/XX/2015 my attorneys office spoke with the lender and they stated that the underwriters were requiring clarification on XXXX XXXX XXXX XXXX personal loan showing up on my credit report and paychecks. The attorneys office provided the clarification and the Chase representative stated that the file was being sent back to the underwriter. On XX/XX/2015 my attorneys office called the lender again and spoke with a XXXX XXXX, who provided the status update that the documents were still with the underwriter pending a decision. On XX/XX/2015 my attorneys office called the lender again and was given the status update that the file was actually DENIED and kicked out of review on XX/XX/2015! The office provided Chase with the information that we were given false information for the last XXXX calls to Chase and an escalations representative came on the line and stated she would ATTEMPT to send it back to underwriting but because its been so long she is unsure if it will work. Please help! We have been lied to for the last 2 months! How are we able to complete a review if they are giving false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted letters to all three credit bureaus, XXXX, XXXX and TransUnion asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.

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 2016-08-03
Company: EOS Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed for my 2012 taxes in the state of Rhode Island where I lived and Mass Department of Revenue had bad reporting by the payroll company who did work for my company. They allocated XXXX in income to Mass. I never lived in MA at the time. Therefore, they want me to pay a full years tax in MA. I am working on getting it corrected with the Payroll company so my tax atty can resubmit and get a reimbursement from MA instead of me paying in. I signed and submitted to EOS CCA and Mass DOR a Power of Atty. I sent it three times, they keep contacting me and not trying to resolve. Now they are saying they will garnish my wages in communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls even after I told them that the person they are calling is not at this number and to cease calling my cell phone or I would report them. I have NO DEBTS and I want these calls to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Inflection.com, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Denied job after offer letter for XXXX. Background check was only supposed to go back 7 years ( per TX law ) BUT they reported the XXXX  from XXXX  citing FCRA is Federal and therefore supersedes... However FCRA also states a 7 year background check limit. I am a TX resident and the Employer is in Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing this with experian for over 6 months now. They are inaccurately reporting accounts on my credit report. They refuse to remove it. they are reporting charged off accts with a balance showing and that is not correct according to the fair credit act. a charge off cant show a balance and they must remove it. 
They cant sell a debt to a collection company and then show it as a balance when it was charged off XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-12-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I bought a painting for {$150.00} from XXXX on the internet using my Chase Visa card. Shipping was supposed to be included in the purchase price but, after the purchase, the company wanted to charge me another {$150.00} to ship the painting to me. I tried to put the {$150.00} into dispute on my visa card but Chase Visa ruled in favor of the merchant and told me it was a dispute with the merchant and to contact the merchant directly to resolve it. I contacted the merchant once more. They said they no longer had the painting - it had been resold. I contacted Visa once more to explain that this was now a fraudulent charge on my card. Chase Visa refused to accept this as a fraud and continued to claim it was a dispute with the merchant. As a result I am {$150.00} out of pocket and I have a problem with the goods - I never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Advanced Collection Bureau, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was never informed of my debt though it had been on my credit report for apparently XXXX years. When I XXXX contacted the collections agency they lied and said that they tried to contact me several times. They only contacted my ex husband, who I am NOT in contact with. To contact me then they could have asked my ex for my number, not expected him to contact me instead, in a manor of doing their jobs for them. I can provide XXXX years of phone bills to prove this if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Delinquent account

Complaint:
Macys uses a company called MCCS for collections of accounts that are past due but not XXXX days past due. They use robocalling and most of the time no one is there. I am not the only one who is having this issue. The phone number they use is XXXX. I consider this to be harrasing. Macys statement on the bill is " A friendly reminder that your payment has not been month 's billing period. '' In my opinion this is not ethical business practices. On XXXX XXXX I received XXXX calls. This is unacceptable and harrasing for a bill that is XXXX days past due

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Other

Complaint:
I contacted Chase back in XXXX 2016 to have my payment due date changed to XXXX XXXX each month to have the same due date as my other account. The failed to do so and my account. Again, my payment due date should be XX/XX/XXXX instead of XX/XX/XXXX. 
Chase is reporting my loan 30 days delinquent for XXXX 2016 and XXXX 2016. In called in twice to remit telephone payment on XXXX XXXX, 2016 because they lost my mailed payment and assessed me a fees. However their systems did not report in the systems Finally, I logged on XXXX XXXX, 2016, and made the past due payment of {$180.00} to avoid negative credit reporting. My payment due date is on the XXXX of each month ; as such, XXXX 2016 should not be reported late. I called the representative today and she said that the minimum payment was not satisfied because a new billing statement was issued ; however, the phone and internet information was inaccurate and I paid what was reflected online. In XXXX 2016, I mailed in my payment and again it was lost my chase. Researched my bank records and show that the payment was not received. I was out of the country and called the payment in on XXXX/XXXX/2016. Chase took two days to reflect that the payment and my online inaccurately reflect that payment was made on XXXX/XXXX/16. This is due to bank error because I made the payment on XXXX/XXXX/2016. As such, my credit is being adversely impacted due to bank error committed in XXXX 2016 and XXXX 2016. This is ridiculous and predatory practices in violation of FCRA. The supervisor I spoke with today was very rude and unwilling to hear me out. Specifically, he did not understand or hear that I made my payment before the 30 day cut off date. As such, I am filing a formal complaint against that person as the call. I am unable to refinance my house due to negative credit reporting. This is ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possibl

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have disputed with all three credit bureaus to have the dismissed Chapter XXXX deleted due to being misguided by the lawyer group XXXX XXXX XXXX on the proper filing for Chapter XXXX. Ive submitted disputes every quarter starting in 2018 via the bureaus direct websites.

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 2020-04-24
Company: Navient Solutions, LLC.
State: NY
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:
Had asked them to refinance my loan with a lower interest rate back when sallie-mae held the loan and also when navient bought this account i had asked them to lower the % rate. I also have receipts going back to XX/XX/2007 totaling over {$10000.00}. The initial loan was {$14000.00}. With navient the balance is still {$14000.00} plus {$110.00}. When i asked navient about previous payments that were made to sallie-mae of ( {$10000.00} ) there answer was that was for interest only. Should you need any receipts i have all of them since conception of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: World Omni Financial Corp.
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: Old information reappears or never goes away

Complaint:
I have 4 different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a XXXX balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: NY
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:
I am looking at my credit report on XX/XX/2020 there are 2 items I never authorized anyone to pull a hard inquiry and is inaccurate. Possibly fraud. I got a hard inquiry XX/XX/2020 from XXXX and XXXX XXXX on XX/XX/2020. Both I never authorized and believe to be fraud it is currently reporting inaccurately on my XXXX. I would just like them to know I do not have any recolonization of this and ask that this be removed from all credit reporting agencies as I did not give anyone the right to run my credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: PNC Bank N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a payment thru XXXX XXXX but pnc, my bank won't acknowledge the app, so now my money is unavailable ... just let them link ... what an inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: MIB Group, Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed a dispute with MIB because it is reporting incorrect information in their file they sent me a letter claiming the member company with them supposedly did a reinvestigation and sent me a letter claiming why they cant remove the incorrect information but as to date XXXX/XXXX/2015 no letter but I got a XXXX opinion and told I did not have that condition so I gave them all the information they needed to contact to verify information they never contacted them so they never done a reinvestigation as claimed also they MIB are giving out my report to companies with out my permission or knowledge claiming was some body else and sent wrong file not once but XXXX .The attached item noted was self reported to them never got any records so these are false. Also attached letter sent claiming they done reivestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Since XXXX XXXX I have been having problems with my coinbase account and throughout the correspondence, it has been a really daunting experience since as of XX/XX/XXXX, I am speaking to people in another country who have English barriers and unprofessional. I opened my account up in XXXX with XXXX. In XXXX, I opened up another account with XXXX and I saw while in that account that there was {$100.00} invested but I couldn't do anything with it as it just sat there as a reference to my XXXX account while again, I was using my XXXX account. Since I have corresponded with the company to no avail. I get the feeling that it is a game to them playing with other peoples money and saying things one day and refuting them the next day to tire you out so that you may lose interest in your portfolios. The phone number on my account is : XXXX, as the XXXX is supposed to reveal my information that I uploaded : my identification card, my banking information, and all relevant correspondence their cyber security is not appropriate, as anyone in the news since can steal anytime out of your portfolios and Coinbase says that they are not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On or about XXXX/XXXX/2015, I received an approval letter from my senior lien holder and immediately forwarded it over to the junior lien holder Chase. I have received several extensions from the Senior Lien Holder and I have informed Chase that I can not receive another extension. This latest extension expires on XXXX/XXXX/2015. I have phoned, emailed and sent messages through equator and still no result on my approval letter. My file has sat with Chase for over a month and was not touched. It took XXXX months to get my address corrected. It is as if the bank is pushing me into a foreclosure situation, I see no evidence of them doing what the government says the lenders should to provide foreclosure alternatives to us as homeowners. I have tried as hard a I can to make this work and the bank is being unreasonable. So, due to their inactivity and unwillingness to assist me, I have reached out to you. I am desperate for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
I XXXX XXXX, recently reviewed my consumer report and noticed inquiries which I did not consent to, authorize, nor benefit from being reported on my Transunion consumer report. I submitted an identity theft report to the FTC on XX/XX/2022 and have mailed the FTC report to Transunion, instructing them to block and remove these inquiries from my consumer report, which they received on XX/XX/2022. On XX/XX/XXXX and XXXX 2022, I called Transunion asking them to remove the inquiries since they have received the FTC report and I was told they had not received it on both calls. I gave them more time to register the report into their system and remove the fraudulent inquiries being reported, but they only removed one inquiry, which does not result in a solution. I demand that they block and remove the remaining inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i was told by my bank that my foreclosure process was put on hold a number of times in XXXX 2015. I recently get a letter in the mail from the banks attorney and i call the number on the letter and they say my foreclosure process is moving forward and requesting a court date. i tell them what the bank told me and they say they have not spoke to the bank in reference tomy foreclosure this year at all. i call the the bank and they spoke to my customer assistant specialist and he sad " yes, i did tell you that your foreclosure has been recently put on hold :. I told him what the attorney said and he said well we do not put them on hold int the state of florida. then is said but you did tell me my foreclosure was put on hold more than once? he said yes id did and i will go over my informaition and get back with you. I have not heard from him in reference to my foreclosure hold.

Company response to consumer: Closed with explanation