BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 I paid XXXX dollars to what I thought was a main XXXX breeder. I signed a contract and have about 40 emails with them about how the process works. I paid through chase and I was told that if I pay through chase and do not get the cat I will get my money back and they will dispute it for me. And today I found out ( XX/XX/2020 ) that I will not get my money back through chase. That I have to file complaints and hopefully you guys will find them and shut down their website. Chase said there was nothing to do even though it is through chase and bank accounts are set up on chase. I want my money back and expected chase to help me when they said they would, and they said that before I paid the XXXX dollars to the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Our account was overdrawn XXXX by regions. I check my account Daily via mobile app and online website. I checked my account on Monday XX/XX/XXXX and I had a low balance but was not in the negative with no pending transactions shown. Showed that I had two transactions for XXXX purchases that had already posted and cleared at that time. Fast forward to the next day and I had a check come in that I didn't have enough to cover perfectly fine I would take that XXXX fee. Then suddenly the two previous debit transactions go back into pending and bam two more NSF fee then I had enough deposited to cover the one check and NSF until they decided to charge me even more NSF because of a transaction that was done prior to the overdraft occurring in the end I'm out XXXX in NSF with a XXXX child at home requiring medical equipment and my lights will be cut off at XXXX XXXX   today. When I called regions I was told that transactions maybe held 3 business days in pending then they can be placed back in your available balance and can be reposted for up to 180 days after. I was never informed of this and also was never informed that I could opt out of overdraft on debit transactions only we were told you could only opt out if you choose both debit and check Transactions be declined for overdraft protection. Regions is robbing the poor blind and they have no remorse they don't care that innocent children will be sleeping in the cold tonight with temps below freezing as long as they make millions off of people. I don't understand how this is even legal to allow transactions to post how they see fit to gain a dollar rather post in the order the items were done. Do not bank with regions unless your ready to go bankrupt. They even took donations for my son for his XXXX XXXX  that was deposited to my account for NSF fee 's.

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
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX XXXX # XXXX. 

On XX/XX/XXXX, I became aware that I was unable to access or sell my cryptocurrency stored in a Coinbase Vault, because I did not have access to the 'secondary ' email address associated with the account. I submitted a support ticket through the Coinbase website. I received response from Coinbase via email that someone would close the Vault account and create a new Vault on my behalf with a valid email address. 

After no further response or action from Coinbase, I followed up with several email asking for resolution. My follow-up email to coinbase were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Most email received an automated response. I also called the customer support line several times, but most attempts did not reach a person ( wait times >45mins ). The times I got through, customer support was unhelpful. 

On XX/XX/XXXX, I reached out to the company ( XXXX ) associated with my secondary email address, to see if I could regain access. XXXX informed me that I never had an email address that matched the one on file with Coinbase ( started with " d '' ). It was at this point that I realized that Coinbase had changed the 'secondary ' email address associated with my account without my authorization. I checked the email Coinbase sent at the time of the Vault account creation, and can confirm that the email address I used at the time of account creation is no longer the email address associated with the account. It has now been XXXX months, without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I set up automatic payments ( " autopay '' ) for my two Bank of America credit card accounts ending in XXXX and XXXX, respectively, on XX/XX/XXXX. However, the autopay setting for the account ending in XXXX was erroneously removed and since this is completely without my knowledge or consent, it was until XX/XX/XXXX when I logged in to online banking that I noticed the account ending in XXXX had already been two months past due. It should also be noted that Bank of America did not exercise due diligence to inform me of any missed payments where other banks would send notifications via emails, phone calls or text messages ( XXXX XXXX and XXXX XXXX are just some examples ). I'm also attaching the screenshots from when I added the autopay settings as evidentiary support. I immediately scheduled an online payment to keep my account up-to-date and called customer service to inform them of such situation and to request : a ) Removal of this account 's delinquency from my credit reports ; b ) Reversal of the late fees assessed against my account. Unfortunately, even after escalating this request Bank of America still failed to resolve this issue satisfactorily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: I.C. System, Inc.
State: TX
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing 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 2021-10-25
Company: GreenSky, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This complaint involves XXXX XXXX  and their lender greensky. 
When applying for the 12 month no interest Greensky included a form authorizing payment in full to XXXX which initially seems like a reasonable form yet there is nothing in my contract that states that XXXX is paid in ADVANCE months ( 3-6 ) months prior to the windows actually being installed. when I called the representative with XXXX he unapologetic and even made reference to the form provided in the loan agreement with Greensky. This is deceptive and unfair to the consumer and should not be included in a loan application. secondly, this turns a twelve month no interest loan into a 6 month no interest loan. Realizing that the average consumer isnt going to start paying on a loan prior to work being completed. 
I respectfully request an inquiry into XXXX XXXX  and Greensky. Im certain theyre many consumer that are hit with 24 % interest from the inception of the loan due to this deceptive practice. It also leaves the consumer no way to even insure the work is done satisfactory when they have been paid in full months prior to work even being started. 
I have also contacted my State Attorney General with a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Lendmark Financial is the absolute worse. Well the XXXX office in Virginia managed by XXXX. They have consistently harassed me with the calls about payment finally Ive expressed to them to stop and they were not authorized to contact me in reference to nonpayment. They have requested me to fill out automatic payment which I signed up for from the very beginning. Listed below in the prove you will see that I have side and authorize them to do automatic payments. They have not collected the payments but of course are adding interest I do not agree with the way how the situation has been handled by the team. I emailed the manager personally she has yet to respond but you have no problem having people calling me and harass me. This is not OK and I should not be penalized with additional fees when everything that was requested for automatic payment has been provided. I told him I prefer not to be disturbed with any phone calls because the payment is in the account and all you have to do is run it with the automatic information provided. I believe theyre maliciously and intentionally not doing it just to allow the loan to go to the creditors. This issue should be addressed and the entire team should be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XXXX XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to XXXX XXXX. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, XXXX   XXXX reported the account XXXX days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise XXXX XXXX that no fees should have been assessed on the missed payments, I need XXXX  XXXX  to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: ID
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:
My social security number is being used by someone other then me. There have been 40 inquirys made not one by me bank accts open. Also some other items on credit that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/XXXX - Certified mail sent XX/XX/XXXX - Certified mail delivered and signed for by company XX/XX/XXXX - Follow up letter sent asking to delete record based on item not marked as disputed within the 30 day FCRA guidelines.

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 2019-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
Please refer to previously closed complaint : XXXX. 

More fraudulent charges have been attached to my B of A account. My current statement includes these fraudulent charges amounting to {$150.00}. This has now been happening continually for over two and a half years since the credit card was reported stolen.

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
Consumer complaint received 2019-06-27
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: Account status incorrect

Complaint:
In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XXXX XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to XXXX XXXX. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, XXXX XXXX   reported the account 129-160 days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise XXXX XXXX   that no fees should have been assessed on the missed payments, I need XXXX XXXX to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!

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 2018-01-31
Company: Student Advisor Center LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a company called Student Advisors in summer of XX/XX/2017. They claimed they were working with the Federal government to help people out of student debt by consolidating multiple loans into one with a lower interest rate. In order for these services, they told me they charge a fee ( around {$1300.00} ) which I could pay in installments. I signed up for this, and signed an agreement that outlined the services they stated they were going to provide. One month later when I realized my student loans were not consolidated, I tried calling Student Advisors, and did not get an answer. I tried multiple phone numbers, left multiple messages, and never heard anything backfor months. Eventually I just gave up and chocked it up to a missed opportunity/near miss. That was until several months later when I checked my credit report and saw a credit account opened under my name from a company called XXXX XXXX. I looked into this and realized that this was the fee I was paying for the loan consolidation which I enlisted for. I called XXXX XXXX to cancel this account, stating to them that I never received the services I signed up for. They told me that they are just a third party, who bought my contract from student advisors. They said they could not close my account, and I still owe them all this money, and that they can not do anything about it because I signed a contract. No matter how much you try to reason with these people, they argue because they know they are wrong. This is criminal, and they should be persecuted by the law. They keep telling me to take it up with Student Advisors. How can I take something up with a company that doesnt exist, or if they do, wont return my calls. Even when I explain to the people at XXXX XXXX that in my contract there is a clear clause that states all payments shall be returned to consumer if the product isnt delivered, they still argue. You cant argue with this, and we need to get the Federal government involved here. This is no different than financing a house, but then not getting the house yet still being responsible for paying for said house.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/2020 I reached out to Citizen One Consumer Loan Service for a 10 day payoff on my Truck loan to be faxed to XXXX XXXX XXXX I gave them a name and the fax number to who they needed to fax it to. I reached out to Citizen One Consumer Loan Service on 5 different times and they told me 5 times it will be faxed to XXXX XXXX XXXX within 24 hour but after reaching out to the Loan Officer she stated as of yesterday she has not received the 10 day payoff information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Rec 'd an invitation to apply for the XXXX XXXX in XXXX. Applied online. At the time of the invitation, I requested a balance transfer in accordance with their offer of 0 % financing, 0 % transaction fee. The card was approved and then sent out. I then rec 'd notice that they needed more information on the balance transfer so on or about XX/XX/XXXX, I called and answered some more questions and was told the balance transfer would be processed. On XX/XX/XXXX I rec 'd notice that I would be charged a XXXX transaction fee. I promptly called and have called in numerous times including to their executive offices support team ( XXXX ) onXX/XX/XXXX and was told they would review the case and get back to me. I called them again on XX/XX/XXXX to be told that they had sent out a letter advising me that the charge would remain on my account. I asked how this could be since I had sent in pictures of all of the documentation they sent showing XXXX transaction fees on all balance transfers. They said they needed me to send in the documentation again - which I have - I explained that the same terms noted on the invitation were provided with the credit card itself when it arrived. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have an erroneous collection account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/2017, by telephone at XXXX and spoke with a senior representative named XXXX. She advised me that she didn't have any information on this account and if I wanted to dispute it I would need to send a letter to their corporate office at XXXX XXXX XXXX XXXX XXXX ; XXXX, Texas XXXX. I sent several letters via certified mail return receipts ( XXXX and XXXX ) to both Exeter Finance as well as the credit bureau reporting the information asking for documentation and method of verification. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I have never received any responses back from Exeter Finance nor the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
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: Account status incorrect

Complaint:
Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies. 

They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.

Company response to consumer: Closed with explanation