BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I, XXXX XXXX, applied for student loan forgiveness months ago through the XXXX XXXX XXXX XXXX ( PSLF ) Program. The deadline to submit the app is XX/XX/22. Per Mohela 's phone recording, I never submitted an application nor do I have any student loans! I called and called and called and have been on hold for hours and then Mohela disconnects the call. It seems that they aren't taking any incoming calls at all anymore despite getting a very hefty government contract to manage this program. 

Mohela is supposed to provide a basic service and hopefully some decency in this process. I've even tried to send a secure message via XXXX- it says to call. I call- it says my call can't be answered. I try to DM via XXXX, but they XXXX their messaging. I've also DM 'd on XXXX no response! What am I supposed to do to get in contact with them to actualize my application and to just make sure it's even received? Mohela is systematically blocking access to this program, which XXXX XXXX put in place to make accessible to those of us who qualify, but we, the public servants, who dedicated our lives to serving our communities are denied qualifying for programs because of organizations like Mohela who work to block access. We as a society have been traumatized enough and dangling these programs without actually proving accessibility to them until after the deadline should be criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, I had an account with Coinbase for digital currency, crypto. On XX/XX/2021 I woke up to emails stating that all my coins were converted into BTC ( Bitcoin ) and then withdrawn from my account without my approval or consent. I immediately messaged Coinbase Support Systems and have yet to get any solid information. 

They sent me back an email stating that they would get back to me with results. A week passed and no information was sent to me on updates other than their original message of them looking into it, so I sent another message asking for updates. Thats when I was told that I would have answers in 4-5 days. It is now Tuesday, XX/XX/XXXX and I still have no answers besides the fact that they were hacked. I have yet to receive anything informing me about receiving my coins back, being compensated, how they plan on preventing this from happening again, or even being able to open my account that still has money Ive invested in it. 

This is extremely unprofessional, disrespectful, and shows that my concerns dont matter about something that they allowed to happen. I would like immediate compensatory damages and/or punitive damages to be taken towards this company for the theft of my coins and for the values that they would now be in standings with. 

Im just ready to get this handled and moved on from because seeing that this isnt the first time Coinbase has been accused of these accusations due to recent research, I just want to get my money at its updated current value now, compensated for neglect/safety/inconvenience, and access to my account so that I can remove my last currency from their site. If I can please get some help, Id gladly appreciate it. 

Thanks for your time!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a Chase Sapphire Preferred card holder since XX/XX/XXXX with a credit limit of {$7000.00}. My payment history has been flawless, but at times my utilization has been high ( though never over my limit ). I have been working hard to improve my utilization for a year now, and in XX/XX/XXXX I paid off my balance in full. This action was met with an immediate credit limit reduction of {$3500.00}. The time has come for the annual fee on this card of {$95.00} due, however I do not feel the card benefits are worth it with such a low limit. I called to downgrade my card to one with no annual fee, but the bank will not allow it because they require a minimum limit of {$5000.00} to do so. Now, they say I have only three options : 1 ) pay the annual fee for the card I have with the limit as given, 2 ) pay off the card in full and close my account which will adversely affect the credit score I've worked so hard to improve or 3 ) authorize a hard inquiry to try to qualify for a limit increase to {$5000.00} despite the fact my approval odds are low which also will adversely affect my credit score.

I feel Chase Bank is practicing predatory lending and ensuring that I can't get ahead or improve my credit score unless I agree to continue paying them the annual fee. If this practice is not illegal, then it should be. As a consumer, I should have options to avoid fees without adversely affecting my credit. This honestly feels like extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: MD
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 already sent a letter to XXXX, Equifax, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My Credit Profiles indicates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  and XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( XXXX, XXXX, and Transunion ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all three credit bureaus ( XXXX, XXXX, and TransUnion ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.

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 2023-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX , XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to Conn 's XXXX in XX/XX/2020 dealt with XXXX salesman ; he didnt explain terms come to find out that the item was sold as a " lease purchase '' without my knowledge The company IS NOT licensed in Arizona at all They take money from your account hoping you will end up with a huge debt ; non disclosure ; never knew who signed agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Professional Finance Company, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification on my credit report of a bill in collection from Professional Finance Company. I viewed the bill and knew it did not belong to me. I called the company and told them this was not my bill it was an error. I then made a dispute with XXXX to have it removed from my credit report on XX/XX/2022. I received a notice on XX/XX/2022 stating it would not be removed the company has satisfied proving it was my debt. I contacted the original creditors which is XXXX XXXX XXXX via phone they confirmed I do not have any outstanding debt. XXXX sent me a billing statement reflecting a XXXX balance. I also have electronic statements. stating a XXXX balance. This company is fraudulently reporting I have a debt of {$7900.00} from XXXX and XXXX is allowing them to report fraudulent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to obtain an intrest rate refinance on my VA mortgage loan, in the process a state tax lien was discovered that I was unaware of. I contacted attorney generals office who stated debt was owned by Reliant collection agency. I reached out to reliant each time I make a payment amount owed to remove lien is different. I have tried to no avail to get debt owed to remove tax lien in writing but I am sent to contact Attorney General who then sends me to Reliant and I am back on hamster wheel. 
My finances have been impacted by COVID-19 my household is down to one income and refinance would greatly help but I am at a loss on how to resolve. 
I need assistance to obtain in writing debt owed amount to release liens as well as validity of debt as it changes each time I reach out to Reliant Collection Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Several years ago I was sent an Amazon charge card. I put it away and never used it. I thought it might have been something Amazon did when you became a " XXXX member ''. I began receiving bills on an account I had no idea what it was for. I tried numerous times unsuccessfully about what merchandise had been charged. The bills all seemed to be generally " amazon market place ''. I filed a complaint with Synchrony bank and explained I had tried to get in touch with a " person '' for months and was not able. This of course was during the Covid pandemic and I had a lot of family living with me. 
I signed an affadavit from Synchrony saying that I had never requested the card and had never used the card, It was a card I NEVER would have applied for at 29.9 %!!! I'm not crazy. I'm XXXX yrs old and have had excellent credit up until this started. As a result of my credit score being lowered to a point that made me uneligible to get a mortgage when I sold my home. This forced me to liquidate my life savings to be able to buy a house outright. 
Since this time I have closed the first account but Synchrony has repeatedly sent me a new account number and continue to send bills with a now over the limit balance and penalties on top of that. The current balance on my 4th account is {$2800.00}. This has exhausted my patience and made my life problematic to say the lease!!

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 2021-04-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Nationstar Mortgage dba Mr Cooper violated the HOEPA provision prohibiting charging a consumer for payoff demand/quote. The following details are for Loan # XXXX which is now fully paid/closed. 

Mr Cooper allowed a third-party ( new lender ) to indiscriminately request multiple, redundant, and repetitive payoff quotes, then billed me ( borrower ) from the loan payoff funds for the amounts noted below totaling {$250.00}. 

Multiple phone calls to Mr Cooper have resulted in an answer that the loan is now closed and no further action can be taken on their part. 

XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Angel Oak Home Loans LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After speaking with the company XXXX XXXX XXXX XXXX XXXX representative XXXX gathered all my financial information for 2 years in the approval process for a mortgage. Was pretty sure my income documents were valid and strong enough to qualify for financing. Was denied the fianancing for the amount I was requesting ( XXXX ) and never given any follow up of any steps necessary to get qualified since I did not meet the " Requirements '' at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Chime Financial Inc
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022 {$820.00} was deducted from my account. I was told that I paid my monthly bill which I never was aware of.. I've emailed and called the bank from approximately XX/XX/XXXX until XX/XX/XXXX or XXXX. They've told me to cut off the money my pay feature and still they said that can't give me the money back. First they told me they give me back {$300.00}, than all of it and that they've mailed the check, to none of it back. This all on a recorded line of them mentioning these things to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been paying back a vet bill for about a year now, I inquired about a card security fee that was never advertised when I swiftly applied for this program due to an unforeseen emergency with my animal. I asked the reasoning for this charge with the following response, and then after paying my bill in full asked to cancel this fee, as I never agreed to an additional charge knowingly. I am nervous they will continue charging me for something I dont want, and I do not want to cancel this service and have my credit impacted in some shape or form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 response to consumer: Closed with explanation