BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Navient Solutions, LLC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Coinbase, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on XXXX XXXX my phone was ported to a hacker with out my knowledge. They then hacked my email locking me out then hacked my coinbase account locking me out. 
After I was locked out of coinbase I can only assume they drained my account of close to a XXXX dollars then made a ach withdrawal of XXXX to my coinbase account out of my checking account. 

I have called and emailed and filed clamaints with coinbase. No one can tell me if my account has my money in it still and they never respond to emails. I just want to know if they stole all my money and how to access my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was inside of the store today, where the store clerk asked me if I wanted to sign up for a REWARDS card, not a credit card. It was inside of a beauty supply store. The clerk asked for me name, and last four of  social, the next thing I know I have a credit card. The terms and conditions were not disclosed to me BEFORE I signed up, and they did not have my consent to run my credit, as I did not sign anything. The store clerk mislead me and didnt let me know anything about the card and handed me a pamphlet with the terms AFTER running my credit without my permission. I know my rights as a consumer, the terms and conditions had to be disclosed before I signed up for anything and they had to have my consent to run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In due of respect to Toyota Financial Services, I requested cancellation on GAP Insurance and Extended Maintenance cancellation First Extended Services and they don't want to cancel the extended service. 
I also sent various emails to XXXX XXXX XXXX in XXXX XXXX XXXX to respectfully cancel all options on auto loan and respectfully requested a lower affordable payment of around {$300.00} a month. 
Also requested a payment extension from XX/XX/XXXX till XX/XX/XXXX because of my Financial Hardship and Coronavirus Pandemic issues and family Hardships. 
Mr.XXXX  is the Manager and my auto loan originator. 
Mr.XXXX  XXXX email is XXXX contact number XXXX. 
Federal Government can archive all email contacts to Mr.XXXX  and Toyota Financial Services. 

My request is with Honor and Respect. 
A Federal Discrimination and Retaliation complaint was filed against Toyota Financial Services with ADA Department of Justice on XXXX XXXX # XXXX XXXX XXXX Act Violations. 

I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX  Veteran. 
This is a Urgent Matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The following is the complaint that I sent to OCC about my mortgage : " On XX/XX/XXXX, I began making trial payments to Bayview Bank. No payments have ever been attributed to any account. On XX/XX/XXXX, after 15 payments on time, Bayview Bank refused to continue taking my payments, I have no idea why? In XX/XX/XXXX, I hired an attorney to help me get answers and resolve this issue. However, nothing has change, instead of extending a mortgage modification, Bayview Bank has continuously added late fees, penalties, attorney cost monthly which is now approx. {$51000.00}. I need know why they stopped taking my payments? And, why they refused to give me a mortgage modification? I need your help and please assist me in any way possible. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
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 called and Chatted with Experian regarding a score of XXXX. I reported to Experian that my score has been the same and they are not monitoring or updating my credit report score. I even told the rep that XXXX XXXX and XXXX  files and my score stay the same. I had identity theft and fraud on my credit and provided a police report number to Experian and my score remained the same. The rep from Experian assured me that this issue would be resolved, nothing has changed. Please help

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 2018-11-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was informed that a fraud alert was placed on my credit file from this credit reporting agency. I did not request a fraud alert be placed on my file nor was I notified of this action

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 2021-03-05
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Due to unforeseen life circumstances, I had to filed bankruptcy in 2019 and included a lease with Ford Motor Company in that bankruptcy. I found out that my attorney, XXXX XXXX filed a reaffirmation agreement with Ford Motor Company 4 to 5 months AFTER my bankruptcy was closed and discharged. I reached out to my attorney to find out why he did that without my knowledge and was informed that he was disbarred due to unethical practices. I reached out to Ford Motor Company but was told they would not do anything. 

I am trying to obtain a vehicle for work but my credit reports are reflecting a bankruptcy and a repo post bankruptcy. I feel that the information being reported to the credit bureaus by Ford Motor Company is inaccurate and misleading and I have tried to rectify but have been denied. 

I have attached copies of supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Ive been a PAYING CUSTOMER of coinbase ( a bitcoin exchange platform on the internet ) since XX/XX/2017. I have had nothing but problems with coinbase.

Thier site is CONSTANTLY broken in most araes concerned with withdrawing money. No issues depositing money of course but good luck getting YOUR REAL MONEY off of their platform!

The newest SCAM coinbase is running is out of no where, restricting accounts. This wont allow for sells/buys meaning I have zero control over my REAL MONEY. My money is trapped and I want it ALL asap. XXXX $ I have TRIED contacting coinbases " support '' SEVERAL times both via email at coinbase.com/support and via the given telephone number. Ive gotten ZERO response from either. I called 5 times over 3 days holding a total of 72min. No answer EVER because there is nobody there to actually pick up. Sounds good and looks good but ZERO results or human contact. Coinbase uses a bot for their support who cant answer/solve my problem and refers me to the unanswered telephone number. Run around. 
I want my REAL MONEY at its highest earning level achieved ( XXXX $ ) off their platform ASAP. 
I want coinbase legally prosecuted and taken off the internet to STOP the scams they are running. 
Coinbase has over 193 NEGATIVE reviews on XXXX and only 11 positive. 
Where is the SEC, Consumer Protection Agency, Attorney General, ANYBODY getting paid by tax payers to prevent just this XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2018 I purchased a set of eyelashes priced at {$45.00}, after I used my debit card to make transaction I realized that the company had included 2 add on products not requested to my transaction. I sent my first email right after I made the transaction and seeing the charges went up to {$81.00} at XXXX XXXX, after that I must have sent like 7 or more emails with no response. The company 's name is XXXX XXXX XXXX their customer service email is XXXX. I did my own investigation on their XXXX page and as I started to read some of the customer 's comments I saw a few people with the same situation. they were over charged for no reason with no refund. The company does not have a customer service phone #. My order # XXXX. my expectations are to get a refund and have company be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Bonneville Billing and Collections
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: Old information reappears or never goes away

Complaint:
Bonneville Collections has a collections account posted to my credit file. This account originally belonged to XXXX XXXX and was first reported as delinquent in the amount of {$120.00} on XX/XX/2013 therefore it is no longer reportable and should have been removed last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Happy Money, Inc.
State: WI
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 am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with XXXX XXXX. XXXX XXXX would clear the incorrect information only to have Happy Money report it again within 30 days. This month they are now reporting incorrect payment history to XXXX. 
When I was a Happy Money customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company onXX/XX/XXXXfor resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For approximately 14 months, Army and Air Force Exchange Services ( AAFES ) has been collecting a debt owed. The statement comes from the AAFES   collection Department. They are charging XXXX $ each month. They are only applying XXXX $ to the account. When I called today, XX/XX/2018, to ask about this, they told me I had to contact XXXX XXXX XXXX ( XXXX   ) who is the actual holder of the debt collection. XXXX   informed me that there is a {$24.00} transaction fee. When I asked for a payoff amount, they said they couldn't give me one and i needed to contact AAFES. This seems like a very illegal practice for them to charge me for a fee when the other company is the holder or vice versa. I also asked for a history of statements to verify if this has been going on the whole time and both AAFES and XXXX said the other could provide.

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 2018-05-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Navy Federal Credit Union ( NFCU ) offered to reimburse up to {$500.00} in appraisal fee, pending that I used my NFCU credit card to pay for the cost of the appraisal. I received the request via mail and decided to use the promotional offer. The appraisal fee of {$450.00} was paid on XX/XX/XXXX using my NFCU card, and I closed on the property XX/XX/XXXX. According to NFCU, the money would be returned to me within six weeks of closing, but theyve failed to adhere to their policy. I called to follow up XX/XX/XXXX and was not able to get a definitive answer from XXXX ( MLS # XXXX ) which stated she would notate the account because I complained about calling multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SYNCHRONY FINANCIAL
State: MI
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:
When I paid off ( Never late nor missed a payment ) closed this account on XX/XX/2021, I was told it would not affect my credit score which I had worked hard to achieve at XXXX, then after I checked my credit score with XXXX  Credit I saw that the company Synchrony Bank/Care Credit had noted that they the ( Grantor ) had closed my account and added that to my credit report, Which is " Untrue '' as I had requested my account be closed due to non use of their credit services, I feel this is a direct slap in my face being penalised for requesting this. Now how many other people have had this company do this to them without an explanation of reason ... 
So I will not delete this concern until this is resolved .... 
Now my credit score has dropped over XXXX as a result of Synchrony Banks " Misstatement '' of the facts and I want this corrected and an apology from this company ... Or reinstate my account with the original credit line.

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 2018-05-22
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Requested the removal of tax liens that are currently reporting on credit report. New law states that tax liens are not reported and will be deleted from credit report. Requested the removal to credit bureau several times and request was not honored.

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 2019-09-05
Company: EQUIFAX, INC.
State: NM
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:
Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business  hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citi offered transferring cashback into thankyou points to shop at XXXX. I transfer XXXX XXXX into XXXX thank you points. I log into XXXX and I find that my XXXX points are now worth XXXX to purchase. The fact that Citi is advertising that I can use citi points at XXXX without disclosing that i'd lose 20 % of the value is theft. If they stand by their offer as being fair, they should also allow for reversal of my thank you points into cash rewards, which they do not allow and declined when i called to ask for this.

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 2018-06-20
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a hard time financially i have been overdrafting my account every week, but they Charge me fortalece every transaction i Made not only foro the one that overdfrat my account, and i hacw more thanks {$2000.00} on overdrafts fees on this year, calle them explain my situation they reverse me {$140.00} and didnt't explain anytihing now i review it they Toll me since they already make a reversal they aren't able to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation