BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
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 recently pulled my credit report and saw a bunch of fraudulent accounts including a school XXXX XXXX that I never attended. The bureaus removed XXXX XXXX but some of the student loans remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Big Picture Loans, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company is a vulture and they feed on struggling individuals that are just trying to get by. Im paying them appropriately {$130.00} from every pay check every two weeks for a {$1000.00} loan for a total of 52 weeks. This was ignorant on my part to agree to but manageable until they added their additional interest and fees for delaying payments while my job was in jeopardy. I had delayed a couple payments during the COVID crisis and was charged an insanely amount of interest for requesting these extensions. Its a pandemic at the moment, families are Struggling and theyre feeding on that. I had to choose between paying them and feeding my children while my job was in jeopardy and instead of assisting, they charged me for asking for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, I deposited {$1300.00} in cash into the ATM at the XXXX XXXX XXXX in XXXX XXXX, CA and was only credited {$680.00}. 

The BBVA ATM takes in 35 bills at a time so I inserted my thirty-five {$20.00} bills, totaling {$700.00}. The ATM then asked if I had any more cash to deposit. Since I had another 34 bills totaling {$680.00} to deposit, I pressed 'Yes ' and inserted the other {$680.00}. After processing, the ATM then displayed a total deposit of {$680.00}. I was confused about the amount but there was no option at the ATM to go back so that incorrect amount went through. 

The deposit went through at XXXX XXXX  PDT, after which I stayed for a while in the 24-hour ATM vestibule trying to resolve the issue over the phone. Due to offices not being open, I called back multiple times over the course of the past month and yesterday had a chance around my work schedule to make another visit to the bank. They told me that the investigation had been closed and that the ATM was not over, not granting me my {$700.00} that I am missing. 

I deposited {$1300.00} in cash so I am missing {$700.00} at this moment. I was in the 24-hour ATM vestibule around XXXX XXXX PDT when the transaction took place, where there must be a video record. There was also another person there who witnessed and can attest to these events.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
During this pandemic crisis, Congress passed many provisions halting payments on loans as well as interest rates. Wells Fargo, N.A. the crooked bank is back at it again with their ambiguous methods. They have been reporting delinquencies on myself and the co -signer 's credit ; including not taking payments posted via Debit card in a timely manner. Regardless of paying my student loan on time before the next consecutive 3mos. forbearance, this bank aims to strangle customers who can't pay rent or buy food enough as it is.

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 2020-09-02
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After finally hearing from Wells Fargo, whom I contacted they reported trying to reach me once in the middle of a hurricane here in the XXXX and no phone or cell service for 10 days from XXXX to XX/XX/XXXX Ms XXXX XXXX. my loan specialist. I see they still have not updated you. She expected to have the issue resolved by today and I am still waiting on a response all I have received are forms, more forms multiple canned letters and multiple canned email responses to my requests, None of which are inline with my original agreement. I will not fill out any forms until I receive a formal response to my original complaint. I will not accept any other then the terms of the agreement already agreed to XX/XX/XXXX and XX/XX/XXXX with the Wells Fargo Rep. Ms. XXXX reports that she would listen to the call and form an opinion on the matter, I do not see how she could be or any wells fargo could be non bias in the interpretation of the conservation. The wells fargo rep " I would strongly recommend .... " and that is the option I took. In addition my escrow account has also not been reviewed as requested. I would like to apply the over XXXX in overages to my account and that would make my mortgage current.

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 2018-07-27
Company: CCB Credit Serivces, Inc
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CCB Credit Services , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Called me at work and identified their self as XXXX XXXX XXXX XXXX and wanted to collect a debt. The debt is for the amount owed after a lease ended on a XXXX XXXX that the dealership said they would pay at the end of the lease and said we owed nothing. Only at that time did they disclose they were CCB Credit Services on behalf of XXXX. They constantly call and harass me at work and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Chime Financial Inc
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I wasted an hour on hold today trying to dispute a transaction. The company offers no facility for doing this in writing, and I can barely hear the representative who barely speaks English anyway. 

On XXXX XXXX at XXXX AM I placed an order with XXXX Eats. They kept pushing back the time of delivery until it was over two hours. I had to go to work so I cancelled it. They told me they wouldnt provide a refund and they expected me to wait as long as it takes. 

Eventually they apparently issued a partial refund ( {$7.00} at XXXX that evening ). 

I want the rest refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Been a customer here for years many cards none will be used until and unless this is resolved properly.XXXX  keeps rebilling me XXXX now i never received these items as such there is nothing they can provide regarding card ending XXXX to dispute this. because items never received. I was told by citi 2 weeks ago since i know citi will just rebill me if i dont make my needs rights known that i would get affiadavit to sign that items were never received. never received it. I also have an email from my development that items are being stolen from here. My concern is that i have consumer protection rights and that i am not rebilled when XXXX  sends that it was delivered since i never received the items they were likely stolen. where is the affidavit to sign? i was also told 2 weeks ago not to worry i would not be responsible for it. I want to protect myself. NEVER RECEIVed so they cant disprove that. i will suspend use of all cards til this is handled right. Send affidavit or pull the call wherein i was told i would get it to sign

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 2021-06-22
Company: FIRST HORIZON BANK
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Iberiabank located at XXXX XXXX XXXX XXXX GA XXXX is a fraud company not a legitimate bank. On XX/XX/21 Their ATM machine # XXXX turned off blank right after I inserted my ATM and entered the PIN number and the amount to get {$200.00} cash. My account was immediately debited {$200.00} for the money I never received from their machine. This is a new kind of bank fraud. When I went inside an employee said : Oh.. yes it happens to noncustomers, but you should eventually get your money back, but I never did. I called them a few times and left them messages, but XXXX XXXX the assistant Branch manager did not even return my call. I am filing a complaint against them to Consumer Financial Protection Bureau with a police report to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my XXXX account, that is who XXXX  XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, 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 have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have contacted Equifax previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Since my mother 's death in early XXXX and my discovery at that time of a Coinbase account in her name, I have -- as her next of kin and former PPOA -- attempted repeatedly to contact Coinbase support to obtain access to her account. Multiple initial attempts to use their online customer service support form to file " obtain access on behalf of a deceased account holder '' didn't even result in a single automated response. They do not offer phone support or publish an address for postal contact, so at the time I was stymied. Finally, on XX/XX/XXXX, I created a Coinbase account of my own on the suspicion that their automated form simply refused to email anyone that didn't have a registered account ; this proved correct, and I received another automated email listing all the documents I would need to supply in order to successfully request access to my mother 's account ; their instructions were to then " contact them '' once those were uploaded. 

I uploaded those documents -- death certificate, etc. -- and both replied to the automated email and resubmitted the form, not being sure what other form of " contact '' might be useful. It has since been a week, and I have not heard back from anyone ( and, more importantly, am not even sure how to follow up. ) I want to emphasize that I have no idea how much money is in my mother 's account and would not be doing business with Coinbase at all under my own initiative, so their complete inaccessibility is doubly frustrating. 

This is the text of their automated reply ( once I created an account to receive one ), sent XX/XX/XXXX : " Dear XXXX, We are saddened to hear about your loss. 

To help us process this request, we will need copies of the following documentation : 1. Death Certificate 2. Last Will and Testament - AND/OR - Probate Documents ( either Probate, Letters Testamentary, Letters of Administration, Affidavit for Collection or Small Estate Affidavit ) 3. Current, valid government-issued photo identification of the executor named in the Letters Issued 4. A letter signed by the person ( s ) named in the Probate Documents  instructing Coinbase on what to do with the balance of the Coinbase account Additionally, we will need the email address of the account holder. If there are more than one possible email address, please list them with the most probable email address at the top. 

You can safely upload these documents here : https : XXXX Take as much time as you need and contact us when you are ready and the documents have been uploaded so that we can continue with the review. 

If you have any additional questions about this process, reply to this email and we will be happy to answer. 

Thank you very much for your patience and help. 

Regards, Coinbase Support ref : XXXX : ref ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been struggling to pay back my student loans - sallie mae/XXXX told me that outside of forebearance almost {$600.00} per month is the least I can pay and they do n't have other options. I have since ended up in default. That being said, as one would expect I receive calls everyday and even multiple times a day. Again all of which is expected. What I did not expect is that they have been calling random people that are possibly associated with me that I do n't even know where they got their information! Previously, they have called my mothers house but today they called an old friend who has no knowledge whatsoever of my finances, and left him a message too!! I ca n't believe they would do that! I want this to stop right away! I ca n't pay them because they wo n't even try to work with me and now they are harassing everyone! ****I am attaching a screenshot of my voicemail and a screenshot of the text from my friend so you can see the congruency of information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I send a SEPA payment to a company located in XXXX XXXX  CA, called Coinbase to add funds to my account. This was XXXX ( Euro ), I got an E-Mail that my account was not verified thus they could not accept the funds and would send it back, which was odd because I tested out 1 and when I experienced it worked I added this amount. I made sure to verfiy my account and send another XXXX in 2 payments of XXXX thinking the initial XXXX would return anyway, these last 2 payments had no issues I must admit.

So I first contacted support on XX/XX/XXXX and when I noticed I did not get any response I pulled the XXXX from them which I received without any issue but still no sign of the XXXX they were going to send back.

on XX/XX/XXXX I once again contacted support asking them to answer my initial question, I must make a side note that they claim to answer within 48 hours.

On XX/XX/XXXX I got an automated message asking wether the issue was solved or not.

On XX/XX/XXXX I responded telling them it was still not solved.

On XX/XX/XXXX I got a response in which they apologised for taking so long to answer but besides this apology nothing else was stated in the response.

I directly responded that their response was irrelevant and did add nothing.

They immideatly responded, telling they were looking in to the case with a team of specialists and they would contact me soon.

This did n't happen I contacted them three times within 2 months before I got a response of platitudes.

at last on XX/XX/XXXX they asked me for some details which I sent to them and they told me again to look into it with a team of specialists and contact me.

Again they did not contact me and today XX/XX/XXXX I contacted them asking why it takes so long, in the mean time I file a complaint with you.

I have contacted their bank which forwarded me to my own bank saying my bank could help me and they could not.

I contacted my bank and they told me the only thing they can do is send a formal request to Coinbase requesting the funds but it is a request which such companies usually ignore. at this point I was discouraged and did not take any other steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: JPMORGAN CHASE & CO.
State: TN
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:
Chase Auto Loan reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought Chase was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from May-to no avail. Now I have a late paymentmark ( the only one I have on my all my reports ) due to Chase being unethical and allowing their  representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/18 I filed a complaint/ dispute against XXXX XXXX XXXX for this misrepresenting my payment history on my credit reports. They since corrected it. Now I received notification that they are reporting it delinquent again and the account has been closed. Even worse is that they are reporting it now to both Transunion and XXXX. Is this legal? 
Here is the timeline : On XX/XX/XXXX, my score dropped 69 points ( XXXX to XXXX ). Dispute made XX/XX/XXXX. When the dispute corrected the issue, XX/XX/XXXX, my score only went back up to 66 points ( XXXX to XXXX ).  Now, on XX/XX/XXXX, my score went down 50 points ( XXXX to XXXX ) because the " Current '' status was changed back to 30 days past due ( From XX/XX/XXXX ). 

The initial drop in my credit score was approximately 69 credit points, then it went back up only 66. How can they correct their mistake than take it back. I am in the middle of trying to get financing for my family 's business and this is hurting my chances. Isn't this illegal? How can these people continue to kill my credit score without proof. They are misrepresenting my account history. Who is going to hold these people accountable? I pay my bills and they are the ones XXXX  people and they get away with it. This is completely unfair.

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