BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: EQUIFAX, 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 Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA MAKES FALSE CREDIT REPORTING STATEMENTS TO AUTHORITIES. WHY IS THIS LEGAL? XX/XX/XXXX CFPB XXXX, XXXX, XXXX USAA CONFIRMS over {$2000.00} of Fraud Credits Applied Timely & Appropiately. for those I did get letters see attarched XX/XX/XXXX FRAUD XX/XX/XXXX letter {$470.00}, XX/XX/XXXX FRAUD letter {$210.00} XX/XX/XXXX & XX/XX/XXXX FRAUD XX/XX/XXXX letter {$120.00} CONFIRMING TOTAL {$810.00} USAA CREDITS. see attatched statements XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. ( {$59.00} XX/XX/XXXX USAA CREDITS ) Where are USAA CREDITS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
The XXXX tax refund check {$4000.00} from IRS I never received. 
I found someone cashed that check. IRS asked me claim against bank That accepts the check. 
I have contacted CHASE bank since XX/XX/XXXX, Bank have different person Handled my case, After 6 weeks on XX/XX/XXXX Someone from CHASE told me That my case has closed, He gave me the other department number.when I call that department today XX/XX/XXXX, The answer is CHASE response if money From my CHASE account only, I need go back to IRS. 
I felt very helpless and powerless, I do really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I ca||ed in to ask that, given everything thats going on and the fact that I am now being made to stay home, can I move the next two months of payments to the end of my loan. Thats it. What did I get? 

" Call back on your due date. We can push out your payment two weeks, but youll be charged a {$5.00} late fee for each of those days. Have you thought about filing unemployment? I also heard XXXX and major grocery chains are hiring right now. Are you kidding me? This is how you treat people? A friend of mine called her XXXX dealership and before she could even ask they OFFERED her 13 months be moved to the end of her loan ; no fees, no paperwork. We are in the middle of a global pandemic. I shouldnt even DRIVE my car right now! People are looking to you to do the right thing, not the profitable thing. I have said that my experience with XXXX has been amazing, but if THIS is the care we get on the back end, its not even worth it. Do. The Right. Thing.

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 2021-10-03
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hyundai Motor Finance, without warning, cancelled my auto payment at the final payment of my lease. I received no letter, email, or phone call informing me of this. After three years of on time payments, I received an email almost a week later that no final payment was received. When I called to ask why it autopay was cancelled I was met with two very unhelpful customer service representatives who rudely informed me that they were attempting to collect a debt ( even though I made payment online while I was on the phone with them ) and that it was policy to cancel auto payments ( with no warning to the customer ) on all accounts before the final payment. They also said that the late payment would likely be reported to credit agencies.

This is predatory behavior and likely an attempt to collect late fees at the last minute before lease ends, or purposely lower credit scores so that going forward they can collect a higher interest rate from customers.

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 2016-02-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase bank refuses to reopen the investigation on my account that was closed due to fraudalant activity. I have a police report which they gave me and told me they had made XXXX arrests for the incident and yet chase wont even bother to change the issue. I called thru relay to report my card missing and either there was a misunderstand between operator and banker or they are make it up that i claim to still have my card which isnt true at all, even the banker i was talk to said they would send me a new card. Now that i am settled down and ready to possibly take chase to court to lawsuit because while this situation happened, i was losing my XXXX son in the hospital and 1 day after he died, i went to file police report. 
I lost my son, my home, school, and my bank all in one month, and i am devastated after trying to deal with bank numerous times to solve this issue. Besides losing a son, i have XXXX other kids i am caring for. Please help or i have to take them to court for my suffering and causes that has effect my life

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a chase credit card. I was declined and the letter gave reasons for denial. XXXX of the items cited was my Experian credit score which the letter cited as XXXX. My score is not XXXX, Experian cites it as XXXX. I worried that my score had dropped. I called Chase lending and spoke to XXXX different reps in lending who did not know why the score was cited as XXXX. They assured me that the score was not used as a determining factor, even though the decline letter stated that it was part of the reason. I paid to have my Experian credit pulled because no one at Chase lending could tell me why my score was cited at XXXX and there system did not. Turns out Chase rescores an applicant. If I had been told that Chase rescores I would have saved XXXX hours of complaining time with Chase XXXX a fax letter and would not have incurred a fee to pull my Experian score. Who knows XXXX many people are have experienced the same and have also incurred an expense to validate wrong data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Im user of the company ( CONBASE ) on COINBASE.COM since 2019. 

On XX/XX/XXXX I received an email of COMPLIANCE asking me I was manual selected for a ID VERIFICATION, then they block my account and my card Associated to the account and send me a link to upload my ID or Passport. I send all of that, and wait for 3 days.. then I claim them against Email and then they asked me for a Proof of residence and then I send them, after this they Start to send me emails asking me LOT of things till I know COINBASE dont need to know about are a PERSONAL and PRIVATE information like : How much money I win, Send the Bank Report of last months, send a Proof of receipts of payments, send the documentacin of ALL my companies, and after SEND EVERYTHING of that they stop to reply... 

After that I try to Contact them on Phone, Mail, XXXX, XXXX ... and the company dont reply. Like I told them Im right now on XXXXXXXX XXXX XXXXXXXX in a Tourist trip of 3 months, and what they are doing after ONE MONTH for a " ID VERIFICATION '' its Block MY MONEY, MY CARDS, MY WITHDRAWS... I need to CLAIM THEM a compensacin about I needed to ask for a money in debt to Friends againd this situation! 

They have a REALLY BAD COMPLIANCE DEPT. and they need to UNBLOCK MY ACCOUNT, AUBLOCK MY CARD, and COMPENSATE for my time and the moral damage they do it to my during this process during ONE MONTH for a simple ID verification... ( I also send a video selfies on their website ) I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I I have been a Bank of America for about 12 years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the " waiver '' I have been receiving is being removed. First and foremost XXXX has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option.Surely there should be a grandfather option.Nothing was advised when opening this account that XXXX would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business.I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to work.Constant automated message about call volume.

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 2015-04-15
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Financed a truck the sales contract was never given to me by finance company was not the original contract and trade listed was never traded in it was fraudulent sales contract and trade in vehicle was sold unregistered in the state of California

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt was brought to my attention XX/XX/XXXX when I received notification from the credit bureau. Someone purchased items in my name on credit and made payments from a fraud account in my name. This account Portfolio Recovery was unfairly place in my credit file. I have no knowledge of the debt. My identity was stolen and used several times before to open and pay various accounts. I have frozen my credit file before in 2017 and have stopped fraudulent activity on my bank account by changing by card number and adding alert to all my accounts. There is no proof that this is my debt other than my name being falsely attached to it. 
I was apart of several data breaches with, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions 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:
XXXX XXXX  IS REPORTING INFORMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO MY THERE HAVE DECIDED TO Per your request, the account will be marked Cease and Desist following this response.

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 2020-04-20
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Knight Adjustment Bureau & XXXX XXXX are both reporting the same debt on my credit file. This is a VIOLATION of the FCRA. two companies CAN NOT report the same debt on my credit file. this is DOUBLE REPORTING and they need to delete this off my credit. The debt is paid I no longer owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Greetings, I received a letter dated XX/XX/2020 that my JCPenny Credit Card issued by Synchrony Bank was being closed. I do not understand why it was closed. I realize that accounts can be closed for any reason or no reason at all. However, I received a letter that claimed that activity on my account with Synchrony Bank was indicative of high risk of failure to pay. 

This is simply not true as I have maintained an excellent payment and credit history. I called in and spoke to a telephone representative who did not provide good customer service and arrogantly told me to reapply if I wanted the card. 

I believe that I am a victim of XXXX and XXXX discrimination and redlining. While XXXX may be a low-income area, I am not in financial distress and have been a great customer. There is no high risk of failure to pay and this was an excuse given to cover their fraudulent tracks. 

Thank you for your valuable time and anticipated assistance.

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 2022-09-07
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Stearns Ventures, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have been working with a XXXX XXXX a loan originator, they had secured a 30 Year Interest only loan for my home. I was refinancing a 1st and HELOC into one loan. Stearns accepted my mortgage application however, they decided not to honor the loan stating COVID-19 as a reason. I have been with XXXX  as the go between, I was advised on several occasions the loan was set for closing, the last date for closing was set for XXXX XXXX that got postponed due to additional documentation requested, the documentation was provided and I had been waiting for another closing date. As of XXXX XXXX I was told by XXXX that Stearns was no longer returning their phone calls. It has been 3 months gathering documentation anticipating closing. If they did not want the loan they should have stated so and I could have sought a loan with another lender. This has been a long and tedious process. I would like for Stearns to honor their offer and close my loan. This loan would allow me to save quit a bit monthly which I was going to use the savings to support my daughter 's college education. This loan would have also increased my ability to secure other financing as a XXXX XXXX owner. My business supports the community, that's what banks are supposed to do give back to community, support business and individual. My loan was in the pipeline to close they should not have reneged on their commitment. Thank you

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 2016-09-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Application processing delay

Complaint:
XX/XX/XXXX, I applied online for a credit card with Amazon, whose cards are provided by Chase. I was told I would receive an email once a decision had been made. I did not receive any decision email from either Amazon or Chase in response to my application, nor did I ever receive any communication through the regular mail. 

I contacted Chase directly by telephone today, XX/XX/XXXX, and was informed that my application had been declined on XX/XX/XXXX ( almost a month and a half prior ) due to insufficient credit history. When I inquired about appealing this decision, I was further informed that they only provide 30 days for a decision to be reconsidered. When I pointed out that I was never informed of their decision to be able to request reconsideration, the representative from Chase simply repeated that they provide only 30 days and if I am interested in a card with them, I must apply again from scratch. 

I have XXXX complaints about my treatment and experience. First, that Chase violated the ECOA and the FCRA by not providing me with any notice at all of their decision to decline my credit application - not through email as was stated would happen, and not by regular mail. Second, I believe their conduct was unfair as defined by the Dodd-Frank act. Through their own failure to provide me notice in a timely fashion ( or any fashion at all ), Chase blocked me from participating in their own appeals process in a way that I could not have reasonably avoided. Additionally, the representative I spoke to stated explicitly that there was nobody else I could speak to about this problem and there was no way for me to lodge an appeal at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was getting at least 4-5 calls a day for about 5 months, due to my continued debt. 
I did understand that I did owe this money, but for the 5 months I wasn't working I could not afford to pay this bill, and have contacted them since then to let them know about my no job situation. I have a least 3 different numbers that i can provide to show how many calls/people were contacting me due to this balance. Although I have been a long standing customer of XXXX XXXX and have always paid my credit card for the past 4 years I have had the card, before the balance got this bad. After it reached this company due to my debt I had a very unprofessional and aggressive conversation with a individual that was threatening to take me to court if i did not resolve this matter that day. There should be phone recorded conversations of this call. I will be providing the company name and numbers that have been calling me. 
Midland Credit Management # XXXX # XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
American Express dated on XX/XX/2019 pulled a inquiry on my XXXX  Credit Report that I have not applied for.

Company response to consumer: Closed with non-monetary relief