BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have federal student loans with MOHELA. I had been placed in " in school deferment '' since I started a different program. However, I do not want to be in deferment on any of my loans. I stated this in writing to them on XX/XX/XXXX requesting to be removed from deferment indefinitely. They took me off, but then placed me back in deferment on XX/XX/XXXX. I had to request AGAIN to be removed indefinitely from deferment, which they did. However, I received a message today XX/XX/XXXX that my loans have been placed in deferment again. I have again submitted a written request to never be placed in deferment ever for any of my loans. I have followed their policies and procedures now three times to never be placed in deferment and yet they keep doing it. It needs to stop. They are not handling my loans or requests correctly, even to their own policies and procedures. They are placing undue stress and burden on me as a borrower. Please, I am begging you, their incompetence must be stopped. It is not fair for me to follow the rules, and yet they can flaunt them in the face of every borrower they service. I have done everything asked and requested, and they keep making mistakes. This significantly impacts my ability to complete 120 PSLF payments in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a car in XX/XX/XXXX from XXXX for {$21000.00}, {$4000.00} down payment whereas on paperwork it states {$400.00}. I made 71 payments totaling {$35000.00} with maturity date being XX/XX/XXXX. I went over account summary and every payment went towards interest and not principle. Santander insist I still owe {$12000.00} after paying on this car for the last five years. I feel discriminated because there is no way I should have to pay {$50000.00} for a {$21000.00} car. I started making 2 payments per month since XXXX and still owe {$12000.00}. This isn't fair to hard working single people. please help me with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and GM FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XXXX, XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
Since 2019, when I first noticed my student loans inaccurately reported in default, I have written letters with numerous attempts to fix the wrong information on my credit report. They claim to have investigated this account. Now, since the loan servicer XXXX is not in business, how did they investigate with them,? I can't even get in touch with them. This means to me, their investigation is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
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: Account information incorrect

Complaint:
I have contacted XXXX XXXX XX/XX/2019 and I did not authorize them to make an inquiry on my credit report. I will to have them send me proof of authorization or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
All of my money and bitcoin are missing from my coinbase account and they don't even acknowledge any of my attempts to get in touch with them or discuss my situation. Coinbase has basically no customer service and won't even respond to my emails or any of my attempts of communication. 

At the end of XX/XX/2021 noticed by looking at my account that all of the bitcoin my coinbase account was missing ( worth 10s of thousands of dollars ). After I that it all was gone and my balance was {$0.00}, I reported it missing to the support area on help.coinbase.com about a month ago which seems to be the only way to try to contact support, and still haven't heard anything back. I never got a trade confirmation that anything had been sold or transferred. I never even got a confirmation that I had filed a complaint or a case ID /reference number for my complaint. My coinbase account became locked after I reported the missing bitcoins so I am unable to access this account now and see any status as to what is going on. It's incredible to me that a company thinks it is ok to not communicate with me for over a month and block access to my account, I also sent a message to coinbase support on XXXX and XXXX, and no response. 

If a bank or credit card company did anything like this it would be impossible to imagine the lack of transparency and support. 

This company is about to go public at a valuation of over {>= $1,000,000} while there is zero support and a dangerous platform where large sums of money can mysteriously go missing which is unacceptable. I don't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian will not retrieve my pin or unfreeze my credit, despite me supplying all of my information correctly multiple times

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 2018-09-10
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Beginning XX/XX/XXXXof this year my house payment was increased nearly {$1000.00} per month ; from what I am being told it was due to escrow shortages from a property tax increase. I have spent the past two months attempting to obtain a partial release to sell off a portion of my property to compensate for the property tax increase that I will not be able to continue paying much longer. I was initially told that it would take 30 days to process, then told 60 days, then 120 days, and now that they do not know how long it will take. I have requested a number of times to speak with the special loans dept to clarify and to find out if they need anything else from me, but I keep being told that I can not speak to anyone in that dept and that I would receive a packet in the mail. I have not received anything in the mail and it has been months. I spoke to the loan guaranteerer about my situation and he said to speak to the escrow dept of my servicer to spread out the negative equity while I await the partial release. I called loancare ( the servicer ) and again was told that I can not speak to anyone in that dept and to write an email. I sent the email request and have had no follow-up from loancare. I have never been late on a payment and am working hard to maintain my end of this contract, but a near {$1000.00} month increase in my payment is ridiculous. I can not seem to get any assistance from loancare to help resolve this issue.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following inaccurate personal information is being reported by the credit reporting agencies and violating my rights in accordance with the Fair Credit act : 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 FL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dept of VA Department of VA XXXX VA

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 2020-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried many times to get my credit report from experian online and they will not give it and I get shut down before I can even ask them what the problem is. They tell me to get it through the mail but I need it now not a month from now. 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 2023-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
To whom this may concern, Bank of America ( BOFA ). I have an EDD account with this bank. This is the second time my account has been compromised because I have this account. Thanks BOFA for protecting your members. On XX/XX/XXXX, I send the California EDD an email about a reduction of my payment because on XX/XX/XXXX, I was only able to withdraw {$440.00} from the ATM out of {$450.00} that was there. I was expecting to see {$900.00} like weeks before, so I sent EDD another email on XX/XX/XXXX because they had not responded to my email sent on XX/XX/XXXX. On XX/XX/XXXX, they finally respond to my email and suggest I contact BOFA directly because their system shows {$450.00} paid out to me on XX/XX/XXXX which was late and {$900.00} on XX/XX/XXXX. 
I contacted BOFA on XX/XX/XXXX to find out what happened to my money and they tell me that ATM withdraws were made on XX/XX/XXXX for {$450.00}. I thought weird because the ATM withdraws in only 20 and 100 bill increments, otherwise the week before I would have withdrew {$450.00} also and not {$440.00} when expecting to see {$900.00}. I suspected the EDD was messed up like they have been in the past. In the same conversation I tell them it was not me or anyone in the world I know so they send me to the claims department. Wonderful. The person tells me to fax over a copy of my ID with my claim # XXXX. I do it that same day. Two days later I call BOFA claims and they tell me my claim was denied because either me or someone I allowed withdrew that money. Really BOFA, your accusing me of committing fraud against your bank. How dare you treat your customers like common crooks. What a disgrace to have America in your name and act like a bank for crooks, even your BOFA representative said that is is a common crime and my type of EDD card gets targeted all the time. Let me see your statistics of these crimes at your bank and most importantly, what the freak are you doing about it BOFA! Accuse me, send in the FBI then and sue me first so I can make some money on your bank. BOFA has the proof and video surveillance of this crime. I filed a XXXX XXXX Police report # XXXX XXXX with XXXX # XXXX on XX/XX/XXXX because the BOFA failed to mention this to me when I faxed over my info to the claims department. Now more time has been was wasted.

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 2023-11-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've requested that Equifax remove all inaccurate information from my credit report specifically about a charge off from XXXX XXXXXXXX XXXX failure to do so is violation of 15 USC 1692 ( C ) ( C ), 15 USC 1692 ( G ) and 15 USC 1666b I would like for this account to be removed from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus XXXX XXXX, Equifax XXXX XXXX ) there was a new inaccurate XXXX late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new XXXX late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX of XXXX I began receiving notices from Shellpoint Mortgage Servicing saying they would force insurance on my property at XXXX XXXX XXXX XXXX, XXXX Ga. I have insurance so my insurance company faxed proof of coverage to the fax # listed on the notice. XX/XX/XXXX I got another notice from XXXX. This time my insurance company called them. The problem they claim is they have my address as XXXX XXXX XXXX, XXXX. They are missing the XXXX and XXXX also has the city wrong. The city is XXXX. At this time my insurance company wrote a letter to XXXX stating the two things they had wrong, and sent proof of insurance and also my tax assessors document showing the correct address. This letter that was notarized and with the attached information was sent 3 ways ... 1. faxed to XXXX 2. uploaded to their website and 3. regular mailed to XXXX XXXX XXXX XXXX, MI XXXX. I'm still receiving letters and now my mortgage is due and they have added for insurance. I've called them and they will not help me. They tell me I need a XXXX form but won't provide it for me and the postal office doesn't know what they mean. They are really ugly to me when I call. I'm not financially able to get a mortgage with another company or I would do that. I'm an older lady and there has to be someone out there who can help me with this company. Please can you help? I tried to upload my documents but it says file too large.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I mobile deposited a check for {$350.00} on XX/XX/2020. The check was written to XXXX ( XXXX XXXX XXXX ) a business that I own. I have been on the phone numerous times, complained, went into a chase branch, and exhausted all of my remedies. 
I brought many documents into the chase branch to verify that XXXX is owned by me XXXX XXXX. This is not the only time I Have dealt with chase and I will never open account again. I would like for this issue to be resolved. I went into the chase branch numerous times like customer service told me to and still did not receive my funds. 
Chase is the most difficult customer service to deal with, very rude, inconsiderate, and no help at all. Never again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There's incorrect personal information on 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 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Transunion to advise them there were inquiries on my report that I did not complete for accounts listed that were apart of identity theft. They refused to remove them and advised me to contact the creditor myself even if it is for accounts that I did not apply for myself.

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 2020-08-07
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 had a car on my credit report paid off. I did not file bankruptcy on the car. The company is refusing to show paid off. The put paid off through bankruptcy. I sent the letter to the credit bearu to show the car was paid off but they did not change the report. This is causing my score and car credit history to be low and im paying a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus XXXX XXXX, XXXX XXXX Experian ) there was a new inaccurate XXXX late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new XXXX late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.

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 2022-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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:
On XX/XX/2022, I was notified by bank of america email that some suspicious activity was on my visa credit card. My card was placed on hold that same day ( unable to be used, and unable to view account on-line ). 
I contacted bank of america fraud department XXXX on XX/XX/2022 and with them determined some XXXX XXXX charges from a state in which I do not live were fraudulent. That {$68.00} fraudulent XXXX XXXX charges were removed from my account on XX/XX/2022. 
B of A then cancelled that credit card and issued me a new one, mailing it on XX/XX/2022. I have not received the new card yet. 
On XX/XX/2022, I noticed a {$3000.00} ACH PAYMENT REFUND charge on the same account, but I ( or any bank of mine ) was NOT the recipient of that money. 
Side note - bank of america accepted my recent XX/XX/2022 payment from a valid bank account of mine, so it should have been easy for them to confirm the {$3000.00} ACH PAYMENT REFUND was going to the correct account, but they obviously did not. 
On XX/XX/2022, I called and spoke with more than 6 people at B of A trying to resolve the fraudulent ACH PAYMENT REFUND. I just keep getting placed on hold and talking to different people - fraud, account services, back to fraud, etc. The last person I spoke with said I'd have to go do a bank of america location in person ( nearest location is over hour away ) and show 2 forms of ID to lift restrictions on my account. They won't even discuss any more with me unless I do that. 
Just wanting that fraudulent {$3000.00} ACH PAYMENT REFUND removed from my account, as it did not go to me or any bank account of mine.

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