BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello. So years ago I opened a BJs card through comenity Bank I beleive. Just now I checked my score to see it lowered with a delinquent account listed as BJs. I don't even have the card any longer but DID call to resolve the issue ASAP and entered my social. My account information was retrived through automated process. I was read that I've a balance of XXXX and my last recorded payment is XXXX of last year. I also requested a " XXXX balance letter '' whatever that is. It said it'd mail it to my known address- but it didn't say what that is or offer for me to enter or confirm it. Soo I combed through my emails from XXXX and Comenity. The ONLY stuff I can find is spam and anything applicable to overdue payment, an account balance, ect- is absolutely nonexistent. I want this account closed and this removed as soon as possible please. Also when I follow the link through the generated email my phone alerts me that the site is NOT Safe. I don't trust this company nor thier credit reporting. I've gone out of my way ( just noticed this XXXX hour ago ) and every piece of information I can find tells me I've XXXX balance and I've absolutely no email correspondence or mail correspondence regarding the account. I'm pretty XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
following up with my previous Complaint XXXX, coinbase responded to you by requesting that I verify my identity : 1. So on XX/XX/XXXX, I used the link that coinbase provided to you and I sent my selfie holding my ID and title saying " for coinbase Verification '' 2. I did not receive any response from coinbase 3. 48 hour later I tried to login my account but received " account is disabled '' 4. It has been 57 days with disabled account 5. I have lost over {$34000.00} by not able to manage my account 6. after opening 45 cases and two complains with coinbase, I am convinced that coinbase do not read or open any e-mail from their customers 7. Please start the most penalizing action against coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Prior to the XXXX deadline for PSLF ( XXXX  Forgiveness ) from the pandemic, I had submitted all of my employment verification information to my former loan servicing company ( XXXX ). Shortly, after that my loans were transferred to MOHELA. After several weeks of processing, my account was up and running. I called to verify that MOHELA had all of my employment verification and other pertinent account information. I was told by a customer service representative, that they did indeed have all of my employment verifications forms and that they would be processing them. 

After several months, these forms are still not processed and when I call MOHELA, I received the explanation that they are not processing these while the legal battle is going on with the Supreme Court. However, the PSLF is separate from the ongoing legal battle and MOHELA should be processing my employment verification and should be applying the payments to my account as necessary. 

It has been several months now and nothing has changed with my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use a smartphone service called XXXX XXXX which I have my bank account and debit card link to. XXXX XXXX requires updated information from my banking company Simple which is not providing updated information to XXXX. This forces me to not be able to use XXXX XXXX which needs to know if I received my payment on XX/XX/XXXX. Simple will not provide that information which is incredible frustrating. I never had this issue with XXXX and I 'm about to close my simple checking account

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 2023-09-26
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a shared debt with my ex to XXXX XXXX XXXX XXXX XXXX. that was escalated to a debt collector ( Love Beal & Nixon ) in XXXX. 

First of all, I tried refinancing with XXXX XXXX XXXX and told them that if they couldn't refinance with me I wouldn't be able to make my payments, as my ex ( the co-owner on the car ) backed out of his share on payments when we broke up. They would not even consider it. So I had to voluntarily surrender my car. 

Secondly, I was never served ( I never received a summons! ), yet somehow I ended up sued. Apparently the summons went to my ex 's address and I didn't know about it until my ex told me what happened after the fact. Nevertheless, I made a payment arrangement with Love Beal & Nixon, the debt collector. 

I had been making automatic monthly payments of {$50.00} to Love Beal & Nixon since then ( XX/XX/XXXX ) until XX/XX/XXXX, when I changed banks and forgot to update my payment method with Love Beal & Nixon, and my payments to them stopped. The last payment was on XX/XX/XXXX. 

Nobody ever contacted me in any way to try and collect the debt again, but my boss got a letter in the mail yesterday ( XX/XX/XXXX ), stamp dated XX/XX/XXXX, from the state to garnish my wages. 

I called Love Beal & Nixon this morning at XXXX XXXX and asked if I could continue making my payments and they told me no, it was too late. Then the lady I was speaking with told me the state already took over {$500.00} out of my check on XX/XX/XXXX, which isn't true. I got paid my regular amounts on the XXXX and the XXXX, and I verified with my boss that nothing has been garnished. She flat out lied to me, giving me false information that wouldn't even be Love Beal & Nixon 's concern anymore. 

I also have call recording on my phone, but somehow they blocked recording, which makes them even more shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CITIBANK, N.A.
State: WA
Product: Credit 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 made payment to an electrical contractor on XX/XX/XXXX for a service scheduled for XX/XX/XXXX. The payment was through a credit card with CitiBank. I cancelled the service on XX/XX/XXXX, because I was concerned about some bad reviews on the contractor 's XXXX XXXX. I never received any service from the contractor so I was expecting my refund which was never sent to me. To get my money back, I filed a dispute to Citi on XX/XX/XXXX regarding this transaction. I explained to CitiBank that I never received any service and the merchant was a fraud, and I provided details of this transaction including the date I made payment and when I cancelled it. It took CitiBank almost 2 months for the investigation, and on XX/XX/XXXX CitiBank got back to me saying that the merchant did not want to issue refund so Citi was unable to reverse the transaction. Till this time, other than the letter from Citi say " we are unable to reverse the transaction because the merchant is unwilling to '', I have not received any materials or documents that demonstrate that Citi did conduct the investigation. From all my communications with Citi, it gives me a feeling that Citi is reluctant when it come to investigating a dispute, and that Citi is sided with the fraud merchant. I don't know how Citi credit card customers are protected against fraud activities.

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 2019-12-02
Company: CITIBANK, N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have had an account with Citi bank since XX/XX/2019 and every single time I have called to make a payment there has been a problem. Ive had them charge my card twice for one payment and had to jump through hoops to get one returned. Then because they returned my payment they put a hold on my bank account. So when I went to make a payment the next month they werent able to use my account on hand as they have always done. When I finally got that sorted out and found a card I could use their system went down. We called back several times and their system continued to be down. We told them it would be a week or so before we could call again because I was in XXXX XXXX. They told us this was fine and their wouldnt be any fees and to call when we could since this was their systems problem. Not only did they call constantly while I was in the hospital XXXX XXXX XXXX but now that they payment has been made and my fee was supposedly taken care of my payment minimum has went up because we paid late. Which was clearly told to us that it wouldnt be an issue since we had been trying to pay when it was due. Their automated phone system has kicked me off several times and never accepts my social but when I speak to a person its always accepted. It just seems like they do anything possible to have you pay late so they can charge you extra. Even when they waive a fee theres always some problem following it, like putting a hold on my account or making my payments go up. It just seems really shady to me. Ive never in my life had so much trouble with any company.

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 2017-10-18
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was called by PHH mortgage Corporation to refinance an existing loan that is in good standing. I sent them all the documents they asked for plus some showing my income and financial status, etc. Credit score is excellent. They initially approved the underwriting. I am XXXX and XXXX. I have income from two brokerage accounts. One account distributes IRA money and the second is using up some already taxed money before the IRA will be distributing funds to me. All this was disclosed upfront and they had brokerage account statements and bank account statements, etc. They are now declining the loan saying that I " have to use my IRA money ''. Today they declined the loan leaving me on the hook for processing fees when they knew from the start that they were not going to fund me if this is their positon because they had all the information from day one. Here I am trying to responsibly use my retirement money and they are trying to tell me how and when to use my IRA. This is deceptive practices, age discrimination, and they are not operating in good faith. The sole reason they are giving is that I need to use my IRA money for the monthly distributions. I need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX Account # 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 an 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 explanation
Consumer complaint received 2023-07-26
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX 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 2019-09-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX - XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} Experian XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

XXXX  - XXXX XXXX XXXX {$870.00} XXXX  - XXXX XXXX XXXX {$870.00} Experian- XXXX XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on XXXX it shows XX/XX/XXXX but then there is payment history after that date, Experian says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, XXXX  says the account was charged off XX/XX/XXXX after being late for 90 days.

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 2022-09-09
Company: Lien Receivables LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX, I donated my car and filed Notice of Release Liability with CA DMV online, which should release my liability post-donation by CA DMV law. 
In XX/XX/XXXX, I received a towing citation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this car. They insisted that I was responsible for this ticket. 
In XX/XX/XXXX, the towing company filed a lien sale and bill me {$3900.00}. 
On XX/XX/XXXX, towing company hired Lien Receivable LLC to harass me and my husband by text, phone call, emails, invoice 7 times between XXXX - XXXX, even though I told them I no longer owned the car twice. They threatened me and my husband that I was legally responsible because I was the last registered owner. If I don't pay, they'll put a lien on my property and hurt my credit. They only gave me 2 hours to pay for a {$500.00} discount. Under the pressure and unable to contact the auto charity donation company to verify the facts, I paid the {$3400.00} and wished I could dispute the charge with my credit card company. 
On XX/XX/XXXX, due to the extreme stress from the debt collector, I started have XXXX XXXX  and had a XXXX on the next day ( XX/XX/XXXX ) After that, I suffered recovery from XXXX and is now going through a series of XXXX  treatments in the hope to get XXXX  again, which cost me about {$1500.00}. 
On XX/XX/XXXX, the XXXX, who process legal document of my car donation, mail a letter to the Towing company and stated that I was not legally responsible. I was not sure if I did NRL in XXXX at that time. 
On XX/XX/XXXX, I visited a local DMV office and confirmed that I did submitted NRL in XXXX so I should not be responsible. I called the towing company at XXXX, provided the facts and asked for a refund. They refused and claimed that I should ask the reimbursement from DMV and the donation company because their debt collector followed a " standard procedure ''. I also emailed Lien Receivable and provided the fact. No response so far. 
BTW, I'm in the process of getting a certified NRL in XXXX from XXXX  DMV to prove that I'm not liable in the vehicle this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: GA
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:
As I XXXX XXXX checked my consumer report I noticed a fraudulent account and inquiry reporting to my consumer report. I reached out to Experian to advise them about the fraudulent account and to no avail I did not receive a solution. I presume to notify the Federal Trade Commission by completing an Identity Theft Report. Please view the uploaded document. Experian has clearly violated my consumer rights. Experian needs written instructions by I, the consumer to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition EXPERIAN has committed identity theft. This is a violation of 15 US Code 1681b ( a ) ( 2 ) and information associated with XXXX XXXX MUST BE REMOVED. I am aware pursuant to 15 USC 1681c-2a, if I, the consumer, provides a consumer reporting agency such as EXPERIAN with appropriate proof of identity, a copy of an identity theft report and a statement I, the consumer stating the information in connection with XXXX XXXX IS NOT RELATING TO ANY TRANSACTION BY MYSELF, EXPERIAN IS REQUIRED TO PLACE A BLOCK ON MY CONSUMER REPORT ON THE INFORMATION ASSOCIATED WITH XXXX XXXX. THIS INFORMATION WOULD NOT BE BLOCKED IN ERROR, IF YOU FEEL THERE IS MISREPRESENTATION OR THERE WAS ANY POSSESSION OF GOODS, SERVICES, OR MONEY OBTAINED PLEASE SEND ME A STATMENT SIGNED UNDER THE PENALTY OF PERJURY WITH EVIDENCE OF THIS COUNTERCLAIM.

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 2017-10-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase is not allowing us to explore all loss mitigation options. 

They offered a shortsale and now are not giving enough time to do one. 

XX/XX/XXXX Chase We Received letter confirming ; receipt of request & valuation report. as part of request for mortgage assistance.
XX/XX/XXXX XX/XX/XXXX Our follow up call to Chase! It 's too late, sale date of XX/XX/XXXX XX/XX/XXXX Letter received confirming my request XX/XX/XXXX. and their commitment to research update and resolve request by XX/XX/XXXX But Foreclosure notice for the XX/XX/XXXX Yet XX/XX/XXXX Letter received XX/XX/XXXX Postponed sale until XX/XX/XXXX No response from Chase therefore Not enough time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To Whom It May Concern : This letter is being sent to you in response to a credit item that is listed on my XXXX XXXX consumer disclosure sent to me on XX/XX/2023. This notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), and debt validation is requested. See Attachment This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have every had any student loans serviced by your company.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, legal action has or will be brought against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal option. Any listing of any information to a credit reporting repository that could be inaccurate or invalidated should be immediately removed. If your office fails to respond to this debt validation request, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX Student Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX 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 an 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