BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, Late last year, Charles Schwab began running a promotion for a certain number of existing account holders, where they agreed to offer a {$200.00} bonus if you met the terms of a promotion. Specifically you needed to enroll in direct deposit and receive {$2500.00} in direct deposits into the account. Being that I received previously amazing service from Schwab, I thought this would be a great incentive for me to begin my checking relationship with them and make them my primary bank. I chatted in to see if I was eligible, and was told that I would be eligible for the promotion if I met the terms and conditions, and would be sent confirmation of the promotion to my email ( which is attached to this complaint ) I then followed through and set up a direct deposit for {$2500.00}, which went into the account. I then chatted again with Schwab to confirm that the terms had been met, and was told by new representatives, that my account was not " targeted '' for this promotion, even though I was sent confirmation and told that I would be eligible originally. They stated they would reach out to their marketing department to have them reach out to me. About 2 weeks later, someone from the marketing department called during a really inconvenient time, and left a voicemail asking what my " intention '' was for the account. This was really inappropriate given what I had communicated, and led me to feel that I would get nowhere directly through Schwab. Schwab presented me with a legal offer that was fulfilled from my end of {$200.00} for {$2500.00} in direct deposits. After completing the terms of the offer, Schwab then stated that they made a mistake in telling me I was eligible, despite the fact that I had already completed the actions, and refused to honor the offer. Instead of honoring the offer, they then had a salesperson call to find out my " intentions '' of sales, rather than address the issue directly. My original intention was to make Schwab my primary bank and roll over an old XXXX ( XXXX ) because of this promotion, but after the way this has been handled I am deeply upset at how they do business, and would like to have the CFPB enforce the agreement that was presented to me

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 2018-01-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for a XXXX credit card through Chase financial. They advertised a promotion that allowed me to earn XXXX points if I spent XXXX in the first 3 months of having the card. I meet all the  qualifications of the deal but I was only awarded XXXX and  was given a {$250.00} credit on my bill. On XX/XX/XXXX I contacted Chase to try and rectify the situation but was told that since I did n't call within 90 days they would not honor the promotion anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
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 information incorrect

Complaint:
TO GET TO THE POINT, THIS COMPANY RUINED MY CREDIT! I have first bought a XXXX XXXXXXXX XXXX  XXXX XXXX XXXX from this company. XX/XX/XXXX, with a down payment of {$8500.00} the full amount was {$10000.00}. I finaced the remaining {$1900.00} with 3 monthly payments of {$640.00} beginning in the month of XX/XX/XXXX and ending on the month of XX/XX/XXXX. I made every payment on time and you can verify that through this company. This company decided to report what I financed XXXX months ago in the month of XXXX. Everything they reported was highly incorrect. I'm very unpleased with what they reported. I also spoke to the agent she told me " one of her workers was in a rush I'm sorry for the mistake '' that's very unprofessional also, the title I have in hand proves that the release of lien or security interest is XXXX, its also signed by there agent. Which proves that my last payment was received in XXXX. This company decided report that the account was closed on XX/XX/XXXX, with 67 % missed payments. Also they stated that I first made my payments in XX/XX/XXXX instead of XX/XX/XXXX. I'm highly upset with this company and want to take legal action against them. Also when I call this company phone number they are not cooperative. They are treating me as if they don't care about my credit. They keep telling me we are waiting on Equifax to get back to us. Instead of getting in contact with them. This company ruined me in the long run and this is how they go about turning people credit. They delay the whole process. Also, I can show everything that proves this company is highly unprofessional. Thanks for giving me the time to let you know my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have requested XXXX, XXXX, and Transunion update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.

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 2021-05-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought a used car from Credit Acceptance back in XXXX of 2000 and I had the car for three months until they came and repossessed the car without notice. I got a letter from them telling me that they repossessed the car because no payments had been made on it which I didn't know because I never had use of the car, another person was using the car all this time. After I found this out they said I could get the car back which I tried to do several time but they never told me where the car was at so I could get it back because I had made payments on it myself. I came to find out that car was down state where I could not get it because I have no way to get it and they said that they didn't have no way to get to me. I have as of lately found out that the car still has not been sold and it is at a repossession dealer near me but I can't find out where it is. 
Since they have done this it is on my credit report which had and is making it hard for me to get a place to live so I ended up living in a homeless shelter for nine months. I need a car badly but I don't want to get it through them again. Can you please resolve this problem for me. 
XXXX XXXX XXXX XXXX

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 2021-12-08
Company: Navient Solutions, LLC.
State: CO
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:
XXXX  XXXX. Since XX/XX/2016 Navient has been billing XXXX reporting on loans I do not owe. They have XXXX  me financially, XXXX, XXXX XXXX  XXXX. I've told them I have a XXXX  XXXX XXXX  sent them 733 documents proving the incorrect loans XXXX  amounts for 5 years. I was also informed by the Treasury Department that employees stole my identity. This was reported XXXX  the FTC. I have file bankruptcy, been XXXX  twice XXXX  will now end up on the streets a third time as I'm XXXX, XXXX  with nothing. Navient had XXXX  XXXX  XXXX  me for money I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: ERC
State: WI
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 original creditor XXXX opened an account in XXXX, they sent me to collections in XXXX and each year it falls off my credit report and then about 3-6 months later another collection agency appears on my credit. I do not owe XXXX over $ XXXX never have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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:
My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a XXXX XXXXt in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. 

Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. 

Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, XXXX XXXX. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. 

A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo ) My lender, XXXX XXXX, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. 

According to XXXX, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. 

They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. 

I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. 

I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked XXXX XXXX for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent full documentation to every credit buearu in regards to incorrect collection incorrect credit card balances an paid collections that were to be removed per agreement on XX/XX/XXXX. The disputes were started an i was found to be correct yet NONE of the changes have been made or updated holding my credit score down so low I cant get approved for a home morgage even though i have a 3.5 % down payment. I am beyond angry I have called everyone an i am fed up with this wrong an illegal acts i want my report corrected now!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On the time stamped below : Created : XX/XX/XXXX XXXX PST Regarding Case ID : XXXX I requested to gain access to my USD funds which was locked in an exchange whereupon I had no control over funds which were not being used and stored on the exchange. After more than 10 days, I received a response from support on the following time stamp : XX/XX/XXXX XXXX I was promised by support agent " XXXX '' that my funds would be transferred out for me to another exchange whereupon I could have control. This transfer was limited ot {$10000.00} per daily limit, and since I had more than the daily limit of funds in the account, the remainder was to be transferred on subsequent day ( s ). 

After more than 13 days, this has not occurred, and I still have a large balance remaining on my account that had no follow-up. 

On date time stamped below : XX/XX/XXXX XXXX I tried to remind support that there is still a remaining balance that must be transferred out and that the delay was unreasonable. 

Quote : " I am still waiting for the remaining balance to be transferred. There is a remaining balance on XXXX of XXXX USD that needs to be transferred back into my Coinbase account so I may withdraw. Please also transfer my BTC balance of XXXX back into my Coinbase as well so I may sell. It has been 13 days since your last transfer and I have been expecting more to occur but my case seems to have been ignored again. '' Conclusions : Coinbase support does not respond to serious issues involving money with due diligence. Given the financial size of the organization and it 's function as an exchange, there is no good reason to devote so little to support. 

Coinbase support did not fulfill promises made in my ticket. 

Coinbase support did not follow-up on my ticket After Coinbase determined which funds needed to be frozen, it did not promptly release all uninvolved funds back to the owner 's control. Since the start of the ticket, I did not have access or control over funds unrelated to any incidents for exactly 31 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Experian Information Solutions 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:
My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a government contract in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. 

Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. 

Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, XXXX XXXX. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. 

A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo ) My lender, XXXX XXXX, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. 

According to XXXX, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. 

They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. 

I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. 

I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked XXXX XXXX for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy

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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I completed a Chapter XXXX Bankruptcy that started in XXXX and actually completed it in XX/XX/XXXX early. It is now starting to show on XXXX XXXX all these years and we are trying to refinance our home currently a XXXX XXXXXXXX XXXX balloon taken over by XXXX ( XXXX XXXX ) during the bankruptcy and the interest is 9.75 %. This on other reporting agencies is showing XX/XX/XXXX, either way, it is beyond the two years we started this process. We have liens that we are trying to remove from our deed, they are removed from our reports. XXXX XXXX should not just now be showing aXX/XX/XXXX bankruptcy that is completed as a hard negative impact on our credit.

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 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX capital one auto finance contacted Me in regards XXXX  my late payments. They assisted me when I was laid off from XXXX XXXX  XXXX. I made my payments. I then was hospitalized with XXXX from XXXX until XXXX. I asked for an extension. I was denied from XXXX, XXXX, XXXX  XXXX. XX/XX/XXXX the representative told me make a {$300.00} payment before XXXX  XXXX  the relief will begin again .XXXX 

XXXX XX/XX/XXXX, XXXXthey  called again asking for another payment XXXX  the car was on the repossession list. How? I have paid the amount!!! The representative stated they had no record of the Conversation on the day the payment was made!!!! No record!!! I went on XXXX  ask what the pay off amount would be. I paid {$27000.00} on the car. She told me I owed {$31000.00} XXXX XXXX. I said okay, I will pay it off. She said the pAy off is {$31000.00}!! Another {$31000.00}??? My bill if Sale with interest At 16.1 % shows {$34000.00}!!!! Why am I paying almost {$60000.00}!!!! She said it shows 12.4 % XXXX  she shows {$60000.00}! There is a huge discrepancy. Capital one violates the TRUTH XXXX  Lending act with the terms of the loan. In no way does it say in my disclosure XXXX  pay this much interest or over XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notice on XX/XX/21 that an escrow analysis had been performed on my mortgage account, and that my monthly payment would raise from {$2100.00} to {$6900.00}. This was due -- according to the notice -- my county tax bill being {$22000.00}. In fact, this was a keying error, and XXXX XXXX tax bill was actually {$2000.00}. According to the online " XXXX XXXX '' for my account, the bill was scheduled to be paid XXXX next day. Upon receipt of the notice ( sent by email ) of the escrow analysis, I immediately called the bank to inform them that they made a mistake, request that it be fixed, and that my payment be corrected. The employee I spoke to understood the issue, and realized that it was important to be fixed. After a long hold, I was told that it was corrected and that the new payment would be reflected on their website the next day ( XX/XX/21 ), but he wouldn't be able to tell me what it would be. 

As of today, XX/XX/21, the payment listed on their website for my next payment is still {$6900.00}. I've been unable to reach a representative on the phone, and the bank 's response to my message on their website asking them to please correct the payment indicates that they did not understand my request at all. Having a monthly payment jump {$4700.00} is simply untenable, and reflects gross incompetence by the bank at best, or an attempt to bankrupt me and take the house at worse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is currently being serviced by Rushmore. A lender/servicer can not collect on a debt that is transferred during the default of the loan, which is what happened here since the previous servicer was XXXX XXXX XXXX. Additionally, the main issue is that the BENEFICIARY of this is XXXX XXXX XXXX XXXX, whom was NEVER REGISTERED in the State of California. Because XXXX XXXX XXXX XXXX was NEVER registered in the State of California the Deed of Trust shall be void ab initio. My violations as a Homeowner in the State of California have been severely violated at this point and Rushmore has failed to reach out to me nor provide me with the opportunity to explore my options.

Company response to consumer: Closed with explanation