BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear Sir / Madam, I would like to draw your attention to XX/XX/XXXX- I had sent my complaint letter to Coinbase Inc, in which I clearly stated how this scam has affected me personally, psychologically and financially. I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Coinbase never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. Overview : It is well established that victims with some characteristics of vulnerability may be more likely to fall victim to scams, including misleading Online financial advertisement. They may be specifically targeted through unsolicited approaches, more trusting or more likely to be persuaded to disclose personal financial details. 
It is evidently proven that scam victims have relatively little freedom of reactivity, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator under psychologically pressurising circumstances that the perpetrators themselves created to manipulate said victims ( myself in this instance ). Being able to consciously refrain from reacting in accordance with the scammers instructions is extremely difficult and sometimes impossible once theyve got a hold of your funds. Likewise, financial institutions should consider their role in society and the responsibility that falls upon them to ensure the integrity of the financial markets, both when sending and receiving money. Firms have an obligation under the Anti-Money Laundering Regulations to take appropriate measures to ensure that their employees and agents are made aware of the law relating to money laundering, and XXXX financing ( and to data protection ), and are regularly given training in how to recognize and deal with transactions and other activities which may be related to money laundering or XXXX financing. 


Please refer my attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: MI
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:
I am writing to dispute a charge of {$580.00} to my credit card account on XX/XX/XXXX that Chase refuses to assist me with. The charge is in error because I canceled my flight on the same day. I booked the flight on XX/XX/XXXX and I canceled it the same day. When I realized they never credited my account, I filed a dispute with Chase. On XX/XX/XXXX, Chase sent a letter advising the disputed charge was valid as XXXX XXXX submitted a screenshot of their terms and conditions prior to booking on their website. This is an error as I attempted to cancel the same day on XXXX, but as stated XXXX was a low budget airline and as such, I had to cancel directly with them. So I did. On XX/XX/XXXX I called Chase when I realized that they stated that charge was valid. I was transferred five times before someone would help me. When I spoke finally spoke to Customer Service Rep, he advised that I must have entered the dates wrong and if I wrote a letter to explain this, the charges would be credited back to my account. On XX/XX/XXXX I got a letter on stating that the charge was valid. The customer service rep said she couldn't help me and to write another letter to get the claim reopened again for a second time. I asked to speak to her manager. XXXX XXXX got on the phone and advised her hands were tied because the dispute needed to be filed by XX/XX/XXXX. I advised the dispute was filed prior to that date. She then advised the deadline was XX/XX/XXXX to reopen the claim but they didn't get my fax until XX/XX/XXXX. XXXX XXXX then refused to connect me to a manager or give me a name of her boss and just kept saying there was nothing she could do to help me. I was never advised that there was a deadline of XX/XX/XXXX. Not in a letter or on the phone. They now advise they can not reverse the charges because it's too late. They owe me this money now since they gave me misleading information on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Good afternoon, I am eligible for public service loan forgiveness yet Mohela refuses to help me. They have told me that I have to wait for FSA to address my complaints/reconsideration request. 

I am eligible for forgiveness because my forbearances in XX/XX/XXXX and XX/XX/XXXX were administrative - I never requested forbearance and I have proof of them being administrative. XXXX always put me in forbearance during paperwork processing. I also submitted the required waiver form/reconsideration request during the waiver last year ( XX/XX/XXXX ), which made me eligible for forgiveness even though I wasn't currently employed. 

I have two open complaints with FSA - one from XX/XX/XXXX and another from XX/XX/XXXX. Payments are about to start and Mohela is saying I have to wait for FSA. I'm unsure how this is the only thing they can tell me, when they are about to start charging me and I still have outstanding complaints with FSA, including one from over a year ago. 

Any help is appreciated. Sorry if I sound frustrated. Dealing with Mohela and XXXX has been a nightmare. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: CA
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 sent a dispute to XXXX, EQUIFAX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 and still no current record of update or response from any of the credit bureaus for my disputes. My rights have been violated. 
these are the accounts in dispute : XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXXXXXX XXXX  acct # XXXX and XXXX acct # XXXX According to 15 USC 1681i XXXX, EQUIFAX & XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. I have provided the certified mail receipts for the disputes I had sent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Consumer XXXX Co has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States that a Consumer Reporting Agency can not furnish a account without my written instructions

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 2023-09-01
Company: Experian Information Solutions 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX 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
Consumer complaint received 2023-05-02
Company: Braviant Holdings, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
We were notified we are in a federal disaster zone ( as of XX/XX/2023 ). I notified this company of the situation and to explore what forbearance or deferment programs they have available. The agent I spoke with informed me they do not have any programs available to assist me- all they can do is DOUBLE my next payment. 

I requested to speak with a supervisor to get clarity on WHY they do not offer a federal disaster zone victim any kind of forbearance ( the answer at this point was obvious - because they are a predatory loan scam company, but that's a different issue ) ... and this is where things got even stranger. After being placed on hold multiple times for several minutes ( the agent was polite but clueless ) she informed me no supervisor was available to assist me ( what a shock! ). 

After insisting to speak with a supervisor, I was informed 'someone would get back to me hopefully in 3 business days ). So after reaching out to this company in an effort to ensure that I do NOT default or miss any payments, to communicate that due to a federal disaster declaration I was attempting to work out something that at least is an arrangement that is suitable for them, not only could they not assist me but refused to put a supervisor on the line with me to provide any explanation whatsoever. 

Well I suppose this is the price people pay doing business with fly-by-night organizations like Balance Credit. If nothing else comes from this, at the very least hopefully others will learn from my horrible experience with them and avoid them like the charlatans that they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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 entered into a consumer credit transaction with BMO Harris Bank on XX/XX/18. I issued BMO Harris Bank my social security card, which is a credit card pursuant to 15 USC 1602l, and it is also an open-end credit plan pursuant to 18 USC 8 . When I issued BMO Harris Bank my open-end credit plan it paid the finance charge in full. Pursuant to 15 USC 1605 the Finance charge is the sum of all charges and can not be paid with comparable cash. BMO Harris Bank had me remitting payments to them even though the alleged debt was already paid for in full and this is in violation of 15 USC 1605. They also didn't disclose to me my right to a recession within the auto contract, which is another violation of the XXXX and XXXX XXXX. They are liable both Criminally and civilly pursuant to 15 USC 1611 and 15 USC 1640. They also harmed my reputation by putting this on my credit report and are in violation of 15 USC 1692d ( 1 ). They are in violation of 15 USC 1692e ( 10 ) by trying to collect on this false and misleading account knowing that the alleged debt has been paid in full already. Then they violated 15 USC 1692 f ( 8 ) by having their logo on an envelope they sent me, which is an unfair practice. They violated 15 USC 1692j by furnishing these false and deceptive forms making me believe that I owed thisallegeddebt.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from 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 2023-12-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XXXX, the XXXX XXXX we received a letter from loan care stating that our mortgage payments was increasing by {$820.00} from {$1700.00} to {$2500.00} and also, that our escrow was {$6600.00} short. Prior to receiving this notice with this lump sum of over {$6000.00} we were not informed that our escrow had a shortage. After looking over the escrow analysis we noticed that there are mistakes and over estimations in our account, the taxes was estimated to be {$3500.00} which they were only {$2400.00} which is {$1000.00} less. We also, noticed that our escrow account minimum balance is {$1300.00} but we are being charged {$1300.00} a month which is double the amount of our current escrow of {$540.00} a month. As, we went over the account our taxes and hazard insurance went up slightly {$100.00} for taxes and {$64.00} for insurance. There is nothing that should cause our mortgage and escrow payments to have such a major increase. This is not the first time XXXX as made these types of costly errors which can lead to unnecessary equity loans, refinancing and loss of property. On XX/XX/XXXX we paid {$4100.00} which paid the shortage ( {$2800.00} ) and the minimum required balance of {$1300.00} and asked for a new escrow analysis. I was told that it would be completed by XX/XX/XXXX and it was not. I called on XX/XX/XXXX and talk to XXXX for customer service and she stated that until we pay what should be the minimum balance ( {$2300.00} ) instead of what our documents states which is ( {$1300.00} )

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 2020-01-17
Company: U.S. BANCORP
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FAILED TO PROVIDED ME WITH DETAIL REQUEST FOR VERIFICATION! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 


Sincerely yours,

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 2023-12-14
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was charged {$8700.00} for XXXX coverage and they shopped around for the most expensive policy they could find at my expense

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 2022-11-18
Company: Vehicle Solutions Corp
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a vehicle via a dealership called XXXX in XXXX XXXX Florida. After four months of non registration of the vehicle, a time when payments and insurance was paid for, I filed a complaint with the XXXX in Florida. Multiple violations were found including the lack of payoff of a previous loan on said car. After a year of paying payments, repairs and insurance on this car, I returned it to the dealer as it was not able to legally sell it to me. Let alone carry a lien on it. this was almost three years ago. The finance company vehicle finance solutions out of XXXX XXXX Florida is not only grossly inaccurately reporting on my credit report which is affecting my life in horrific ways, both the balance is incredibly incorrect as well as the fact that they show the loan open which I can almost guarantee that is not true. This is effectively ruining my life and after multiple attempts to dispute via credit complaints that are still unresolved I dont know what my other options are anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: TX
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:
I just checked my consumer report and your company is displaying unauthorized and fraudulent credit inquiries. 

Company Inquiry Date Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing because I did not give your company permission to display such information on my behalf to my credit report. If you have documents with my signature stating that I gave your company permission to display this information send to the address above for review. If not you are infringing on my right to privacy and thats a violation of FCRA 15 U.S.C 1681 ( 4 ) Further more did Experian Validate this information with these companies prior to furnishing? If so provide me with a copies of any documentation with these accounts with my signature authorizing and inquiry. 

I demand these inquiries be Deleted immediately. 
I know you have up to 30 days to produce requested contracts, or delete these fraudulent items that is affecting my right to extend credit causing harm to my reputation. 

Enclosed is my state identification card and Social Security number for identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
I send out my dispute letters, it's been over 30 days and there are things on my credit report that are not accurate. I have not received anything back from the credit bureaus.

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 2023-12-13
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting 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:
Due to identity theft I am disputing these inquiries on my XXXX credit report that I didnt not authorize for my credit to be ran. 

XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MI
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:
My information has been impacted by the Equifax Data Breach and may have got into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation