BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Noticed that my monthly payment increased by over {$40.00} ( from {$1500.00} to XXXX ) with no explanation. I called Truist and was told it went up because I have a {$520.00} escrow shortage. I informed the rep that I usually pay my escrow shortage and was willing to do so this time as well. I requested an escrow shortage letter in order to send the payment to the pertinent dept at Truist. I am yet to receive the letter. However, I paid the {$520.00} ( see attached ) escrow shortage via online banking. After paying the {$520.00}, I realized that my payment went down to {$1600.00}. I contacted Truist to find out why my payment was not back to {$1500.00} and was told " Only {$260.00} was applied to your escrow because that is your shortage. The rest of the money is just sitting in escrow-it was not applied to your escrow. You can get a refund if you want. '' I informed the rep I was told that the shortage was {$520.00} and the statement also shows {$520.00}. She proceeded to tell me " That's the mistake that customers make-thinking that their payment won't go up after paying the escrow shortage. '' So I asked her what else can cause an increase in monthly payments other than tax and insurance, and she could not answer the question. I then asked her " If I pay my escrow shortage, why is my payment going up, '' and she basically reiterated that it can still increase. I then told her to send me a bill with any other increases ( in addition to the {$520.00} that I have already paid ) in taxes and/or insurance so that I can pay it instead of increasing my monthly payment. To date, I have not received a letter detailing any additional shortage, but my payment is still at {$1600.00}. This is not the first time that Truist/Suntrust has increased my monthly payments despite the fact that my escrow shortage was paid in full. My payment was previously just over {$1500.00} before it went to {$1500.00} ( despite paying my escrow shortage in full ) without any explanation. I am mentally drained from the constant issues with Truist. It is depressing. I am tired of the back and forth.

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 2021-11-25
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Starting on XX/XX/XXXX XXXX purchase Gyen which is a type of Crypto currency on coinbase plat form invested several amounts totaling XXXX dollars, on XX/XX/XXXX I had a total of XXXX coins of XXXX Coinbase seized trading for that crypto meaning no one can buy sell withdraw or deposit which is not far since other exchanges where trading it. At the time when I bought it it was XXXX now its XXXX I lost more then half what i invested because I wasn't able to trade it. Now I don't have it at all Coinbase completely deleted that coin and amount from my account. they left my account with XXXX cents I have all screen shots and confirmations when I purchased it and up to XX/XX/XXXX what balance I had till coinbase removed it from my account. I have contacted them by email and phone with no help or ways to solve this. This seems to me from reading other social media sites like XXXX, XXXX and XXXX that it has happened to several XXXX XXXX people. Please help me recover what I lost and please investigate the fraudulent activity coinbase is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA informed me via postal mail that effective XX/XX/2021 all accounts within their bank would be in a credit-only status with no withdrawals or ACH Debits allowed despite multiple utility bills requiring to be paid, most if not all are past due, which I've become responsible for the financial hardship and unnecessarily restricting me from my XXXX XXXX XXXX XXXX XXXX Retired Veteran from XX/XX/2021 until this day, because I still have not been able to deposit, cash or successfully have access to my entitled funds due to now XXXX XXXX XXXX XXXX XXXX verify funds for the lines of accounting utilized whenever USAA mailed me out XXXX corporate checks - XXXX of them larger than normal at about {$12000.00} and the other approximately {$3700.00}. Their rationale was they required to ensure any deposits did not come back returned, which had never occurred on any account throughout my decade tenure with USAA. This type of cruel and unusual punishment exhibited has not only affected my surrounding support network, moral relatives, but it has achieved the capability to affect my XXXX XXXX XXXX XXXX XXXX due to an XXXX XXXXr I suffer from. Some type of major oversight or scrutinized policies for retraining and teaching the most appropriate methods to avert such havoc like which I'm still currently enduring, along with my in-town relatives - both medically and financially. This can not be another fluke in the system that another servicemember or veteran. or retiree or dependent should have to endure due to mere oversight and not actually addressing the most precedent or effective method in maintaining the continuity of business flow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Midland Credit Management attempting to collect a debt dated XX/XX/XXXX. I do not believe that I owe this debt. Upon reviewing my credit report I see that this debt is listed on my XXXX, XXXX and XXXX reports, I also see that there is a note on all reports that it is in dispute. I looked in my old files and see that I sent a debt verification letter on XX/XX/XXXX in response to a Pre-Legal letter that I received from Midland dated XX/XX/XXXX. I have never gotten a response to my request and am needing to verify that this is a debt that I actually owe. I have attached copies of the letters that were send and the certified mail receipt showing that Midland Credit Management did receive my request. I have had debt collection agencies try to collect on debt that I do not owe or old debt that I have already paid off or settled. I need Midland Credit Management to verify that they actually have the authority to collect on this debt. I've reached out to XXXX XXXX XXXX and have not gotten a resolution and also they are offering me new credit cards now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXX credit card. To date, either 1 ) XXXX XXXX has failed to report this status accurately, or 2 ) Experian, XXXX, and XXXX have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXXXXXX credit card. To date, either 1 ) XXXX XXXX has failed to report this status accurately, or 2 ) XXXX, XXXX, and TransUnion have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.

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 2022-09-28
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive reached out to XXXX  numerous times and theyve fraudulently added charges and kept a line on my account for years! I sold my XXXX XXXX to a man whom I have messages from validating this sale. Shortly after I sold my watch I called XXXX to remove that line and they NEVER did. Theyve have fraudulently placed this on my credit and Im owed hundreds of dollars from XXXXI only had three lines after selling my watch! On top of that their DATA BREACH included my social security number and I received an alert that my social was on the dark web. This has effected my credit and Im reaching out for legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage has my mortgage. I had hail damage on my home. When I called to file a claim I discovered that PHH had failed to pay my premium from my escrow despite having received letters from the insurance agency stating they hadnt received payment and were going to cancel the policy. They then stated they had put their own policy in place but have yet to approve an adjuster to come assess damage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a safety deposit box with Chase - XXXX in XXXX, Michigan. In XX/XX/2022, I noticed an important item missing. Also. it is my understanding that checks in the box may have been copied. I wanted the video footage of the last 5 times I went into my box. I was told by a Chase personal banker that I need to get a subpoena. This should not be the case where I have to hire an attorney and then go to court. In the meantime. I am being charged an annual safety deposit fee of {$80.00}. This should be waived, especially since it is making my account overdrawn. The activity of what happened to this box is a part of a federal investigation. I ask you to consider the matter of high importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: VA
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-10
Company: Chime Financial Inc
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:
Transactions amounts, and dates can all be found on the attached file. 
I'm including the denial reason letter. Chime is full of it and refused to take care of unauthorized charges based on a deposit prior. Hello chime. Rejects were commenting on my direct deposit monthly from my v.a. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 non-monetary relief
Consumer complaint received 2021-05-18
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX has inaccurate data on my report partially from their own mistakes and the other from JCMB Chase for reporting a payment late that was not. 

XXXX XXXX Dispute System is broken and twice charged be {$27.00} without warning for a dispute system that failed to generate a dispute. Telephone calls to XXXX were fruitless with significant language barriers. Customer service represents verbally said they would file the dispute but none ever was filed and I never received feedback. 

Dispute attempts were made on XX/XX/2021 and XX/XX/2021 but no results yet I was charged both times. 

XXXX also has telephone security inadequacies and would not put a password on my account as I requested. Authentication is minimal to telephone access my information. 

Chase reported inaccurate information 5 years ago and XXXX does not recognize all the inconsistencies in the report. This is the ONLY detrimental report ever on my long credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
A credit card application for Bank of America was placed in my name on XX/XX/2022. I received the actual credit card in the mail on Thursday, XX/XX/XXXX. I called Bank of America as soon as I received the credit card informing them that this card was fraudulently opened in my name. I informed Bank of America that I wanted this card closed as soon as possible. I also was informed that a change of address was also placed in my name, but I am not moving from my current address. I am currently contacting the XXXX XXXX to report false of address change. 

Thank you, 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 non-monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: PR
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 THIS SITUATION, XXXX XXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXX XXXX  SEND ME FOR THOSE 2 ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX XXXX THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY. 

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 THIS SITUATION, XXXX XXXXXXXXXXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXXXXXX XXXX SEND ME FOR THOSE 2 ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX XXXX, THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY. 

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT 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 2022-08-01
Company: Experian Information Solutions Inc.
State: MD
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:
I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : Experian : XXXX XXXX : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Wrong Addresse : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 non-monetary relief