BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On or about XX/XX/2021, I purchased a NEW Chrysler XXXX XXXX XXXX for my family. At the time, I took out a {$10000.00} loan from Chrysler Capital. I did so as part of the normal vehicle sales/purchase process. I took the loan knowing I would pay it off rapidly - as I took the loan solely to secure some purchase incentive that the Dealer suggested. 

I paid off the loan in XX/XX/2021 ( only 5 months later ). 

On XX/XX/2021, I received a written " Lien Satisfied '' letter from Chrysler Capital. 

Subsequently, I never received the title to the vehicle. I sent 3 written communications to the Chrysler Capital website portal. ALL of those went without meaningful or substantive response. I also called 3 times. The hold times are excessive and no one seems to care. 

The last two agents I spoke with had ID # XXXX and ID # XXXX. The first rep told me she saw the issue and would re-issue the title to me at my address of record. NOTHING was ever received. 

I forced to call again only to go through the same nonsense. No one seems to understand what is going on. 

I asked to have this escalated to Legal and nothing was done about that either. 

I am hostage to this situation as ONLY Chrysler can instruct the release of the lien and delivery of the vehicle title. 

I need someone in management to take ownership of this and get it resolved. It is simply ridiculous that something as basic and fundamental as this can not be resolved and executed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I have been making payments to this creditor, XXXX. I received a statement dated XX/XX/XXXX which stated my payment of {$25.00} was due on XX/XX/XXXX. I made a payment 6 days later on XX/XX/XXXX, which they show receiving on XX/XX/XXXX. They told me they reported the account to the credit bureaus on XX/XX/XXXX, XXXX days later. Why am I getting reported as delinquent if it was not even 30 days delinquent? I made the payment 6 days after the due date. 
I also received a statement dated XX/XX/XXXX which reflected my new balance, which stated my payment due date of XX/XX/XXXX. I made a double payment of {$50.00} that time on XX/XX/XXXX. 
Today I called the company and asked what was going on and the lady said that they have held the account since XXXX and they did in fact receive my payment of {$25.00} on XX/XX/XXXX and then did report my account on XX/XX/XXXX. I asked since this is an error if it could be deleted, and the lady told me no. She also told me that it was set up as a hardship payment and that was only good for 3 months. They did not tell me this when it was set up nor did they send me any other letters stating we needed to redo the payment plan etc. I was not aware of that and they did not make that known. You will see on the last statement I received dated XX/XX/XXXX ( payment due XX/XX/XXXX ), it says " for your convenience we have established the following payment arrangements : monthly payment amount {$25.00} and due date XX/XX/XXXX ''. So I have been just following that arrangement. 
I am trying to get my house refinanced so I can pay off ALL of my student loan debt and this has completely trashed my credit score.  My mortgage lender referred me to you for help to get this fixed, because now otherwise I will have to wait like 6 months. I don't have that amount of time to wait! I need help. This was reported when I was not delinquent. 
I did in good faith pay off the balance of this account today ( {$520.00} ) because I was fearful of this happening again and also I no longer want to deal with this company. This is ridiculous and they refuse to fix it directly with me. They need to delete their error immediately. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have send to Equifax,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have send to XXXX,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.

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 2021-12-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/2021, Experian. XXXX XXXX XXXX of the fair credit reporting act law states that a consumer report must be accurate. Experain is reporting my name and address inaccurately. I HAVE DISPUTED MY PERSONAL INFORMATION TWICE. I have attached documents to support my personal information that is listed on my consumer credit report is being reported as INACCURATE. REMOVE FORMER ADDRESSES. THOSE ADDRESSES ARE NOT MY ADDRESSES. MY NAME IS SPELLED WRONG. UPDATE MY NAME TO XXXX XXXX XXXX XXXX as it shows on my birth certificate and social sercurity card that is attached to this compliant. I ALSO ATTACHED MY CURRENT EXPERIAN CREDIT REPORT ( PERSONAL INFORMATION ) FROM EXPERIANS WEBSITE.

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 2018-01-26
Company: Navient Solutions, LLC.
State: NC
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:
I needed help paying my student loans so called Navient to set up a reduced payment plan with them. After all my expenses I had {$50.00} left. My monthly rate was {$200.00}. 

After paying the first payment and subsequent payment, they still reported my account as late to credit agencies even though I started making arranged payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: MN
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 an equity loan through XXXX XXXX XXXX. Instead of renewing the equity loan, I elected to turn it in to a conventional mortgage loan instrument, at a fixed rate. Experian is still reporting it as a revolving account, instead of a real estate item, on their online website, which is erroneous. Numerous communications with Experian agents have failed to rectify the problem, with them insisting that it is a revolving item, since it is an active line of credit. XXXX XXXX cancelled that line of credit when I elected not to renew the original equity product.

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 2018-01-23
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I went to deposit USD from my coinbase account from coinbase.com, to my bank account as im low on money. They charged me instead of giving me the XXXX dollars, making me overfraft, and the money that was taken out is not showing up on the app now! Im super frustrated and out of options and I could really use some help. They took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
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:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit card accounts. While the accounts were not established the applications did result in fraudulent related inquiries on her credit reports. Several official disputes were made with the creditors as well as the credit bureaus in an effort to remove those inquiries however, Equifax is still reporting two of the fraudulent inquiries while XXXX and XXXX have removed the data as fraudulent. The inquires remaining are XXXX and XXXX/XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had checking account with Chase since 2013. 
I have been always careful with this account : very few cash deposit/withdraw, no over draft, and as an international XXXX, only occasional international wire transfers ( the last one was almost 1 year ago ). 
And it was closed without any reason in XX/XX/XXXX. as well as all my credit card accounts. 
I made multiple calls to Chase but they just transfer me back and forth and calls always end like " we closed your account and we wo n't tell you why or which department closed it or anything '' There are many cases all over the web, but most of them are associated with unhealthy account state or untraceable cash flow but none applies to my case. 

So it 's very probable it 's a human mistake that Chase is unwilling to admit/correct, or even worse, systematical discrimination towards certain group. 

The closure affects my daily life, as the checking account is my main account for receiving scholarship, paying apt rental and auto loan and utilities. Moreover, closing all my credit card accounts greatly impacts and will continue to hamper my credit record for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My Navy Federal Credit Union account was sucessfully logged into by an unauthorized user on an Android device with an unsupported build that is now 5 years outdated ( version 4.4.2 ). One day after the unauthorized user gained access, there was a deposit made to my checking account from an authorized 3rd party. This transaction has been posted on the 3rd party 's account but not reflected in my account, the receiving account. NFCU is doing nothing to rectify this problem or assist in any way.

During this time, NFCU made no attempt to contact me and notify me of an unauthorized access. I instead had to call NCFU, four days after the unauthorized user gained access, to inquire about why I was not able to see the above mentioned deposit posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: JPMORGAN CHASE & CO.
State: OH
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/21 I filed a claim with chase bank about my missing item, specifically a XXXX, I had told them I tried to resolve the issue with the merchant XXXX however XXXX offered almost no help to me locate my missing package, I had told chase bank the situation and they let me open a claim, after weeks of waiting I get the results of the claim and it comes back DENIED. Chase believed the merchant more then me due to the fact the package said delivered which doesnt make any sense to me. Chase requests that I file a police report to help them investigate the case. I file a police report and send the full report to chase to help. About XXXX  days later they had told me the claim can not be open because this still doesnt help my case. How? I have a police report stating they couldnt find the package and dont know what happened to it, the police officer that was helping me create this report told me that often delivery drivers will scan items as delivered and take the items. I have had several items from my address get lost from various amounts of times so I do believe something like this happened. Chase told me ONCE AGAIN that they cant open the case again because the item shows is delivered which is really absurd to me, I say that the package hasnt come in and you cant help me at all? XXXX They had also told me I need more proof that the item is lost or I didnt get it when theres nothing else I can do. I tried to file a claim with XXXX who delivered my package and they wouldnt let me open a case, I called them endless times all with the same result sorry we cant help you with this Ive always loved chase until now, there customer service has always been at help to me but they have really XXXX me off this time. Its like they really dont care about me and they dont care about what Im going through right now. Chase has always proved to me they really trust and always want to help their people, but this proves they dont. Please dont use chase bank if you expect them to help you in the slightest. use any other bank then this. They wont take your feelings or thoughts or EVIDENCE into consideration. Complete XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Army and Air Force Exchange Service
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:
The Charge-off account with Military Star Shows that it is paid in full on my Account Statement. I spoke to someone from the department and they told me that they will remove the information from my report but have failed to do so.

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 2018-01-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is a follow-up regarding the complaint XXXX submitted on XX/XX/2017 that I opened a checking account with BBVA Compass bank and did not receive the {$200.00} bonus even though I satisfied all the requirement. 

In the response to the complaint, the bank confirmed that I have satisfied all the requirements except that " Unfortunately, during the review of your account, it was discovered that due to your Tax ID certification status, you are ineligible to receive the {$200.00} cash bonus. The California Colorado Sea of Blue Consumer Checking Offer flyer states that Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' However, the document attached clearly shown that I have certify under perjury with the bank at the time of account opening that I 'm U.S. person ( resident alien ) and not subject to an withholding. And as such, it seems that there is a mistake on BBVA Compass side in assigning wrong withholding status to me. Therefore, I should receive the {$200.00} bonus since I have satisfied all the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: ME
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:
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 XXXX XXXX Account name : # XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX CONTACT NAME XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) 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
Consumer complaint received 2018-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to XXXX XXXX XXXX on XX/XX/2017 notifying them that the debt they were trying to collect on was reported more than 7 years ago. They have not sent me anything contradicting that and are still reporting this account as a collection account. The original creditor removed this from my credit report for the above reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO CREDIT ACCEPTANCE CORPORATION I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I reached out to this company back in XXXX in regards to remove this from my file as they sent information they received to open this account which was not done by me or belong to me. I am seeking for this account to be removed from my file in the amount of {$7300.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2018-01-25
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I made a wire transfer of {$2000.00} us dollars on XX/XX/XXXX at XXXX XXXX PT. The company policy about wire transfers clearly states that wire transfers made before XXXX XXXX PT will be credited same day, as today XX/XX/XXXX my money has not been credited on my account, i tried to reach the customer support but they were kind of rude and their answers were vague and not clear ( they do n't know a time frame to be resolved or if it 's going to be solved ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XXXX XXXX, 2017 there was XXXX deposited into my unused Navy Federal Credit Union Checking account. The money was for XXXX XXXX XXXX/XXXX vet but it was an erroneous deposit and just like with any deposit the government makes they try and recall it or they check you later. XXXX has requested the money multiple times only to find out that Navy Federal has without consent transferred it an account of their own choosing. I have never agreed to automatic transfers. If they had not removed the money by the time XXXX came to retrieve it and correct their mistake it would have been known. Also this money is exempt money so it can not be used to repay a debt. I have replied numerous times to them and so has XXXX. They have done this before and I had to call numerous times to get the taken money put back. They have replied back regarding the deposit and keep directing me to the debt recovery department. That 's not fixing the problem that has happened. They first replied to XXXX that the account was closed. Then they reported that they never received the request to return funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation