BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: EdFinancial Services
State: OH
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:
Called Edfinancial requesting a refund for payments made since the beginning of the pandemic which is entirely valid according to https : XXXX. Was told the refund would take 180 days which extends past the loan pause. Did some research and it looks like other borrowers have been requesting refunds for months and the timelines they are giving are changing constantly. 2 separate users have reported they keep extending the timeframe for a refund from back in XXXX, from 30 to 60 to 90 to now 120 is what he was told this month even after putting the request in back in XXXX. There are several threads online of users experiencing this and it's a growing concern for borrowers who are looking to this relief plan for relief but may not be able to get it because the lender is just extending the refund time frame past the forgiveness date. Other lenders are reporting 4 to 6 weeks which makes sense logically. Also, some borrowers are being told to request forgiveness as soon as it's available by dfinancial even though the refunds aren't being recognized against their accounts. Meaning they are telling users to request forgiveness when their loan values aren't actually correct while the refund is still " processing ''. 

Links to other reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Weltman, Weinberg and Reis stating that I owe almost {$10000.00} for being an uninsured motorist involved in a car accident. 

I informed them that I have car insurance, have not been involved in any accidents and that the attempted debt collection was a mistake. 

They responded by sending a letter again demanding the {$10000.00} and this time including a police report stating the name of the driver at fault ( not my name ), the car involved ( not my car ) and the location of the accident ( a location that I have never been to ). 

It should have been quite obvious before sending the second letter that I have no involvement in this case. 

The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: FIRST GUARANTY MORTGAGE CORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company name is goodmortgage.com I applied to them for a refi conventional mortgage on XXXX/XXXX/XXXX sent all forms request and got approved 3 to 5 days later Appraiser came out and report was sent 2 weeks later. <P/>They never used our title company and went with there 's It is XXXX/XXXX/XXXX and we have not hear anything from lender or underwriter we paid for appraiser and app but nothing is happening we just signed a closing doc last week and now its sitting pending review of the appraiser report again. we should have closed weeks ago.

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 2021-09-23
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 someone gained unauthorized access into my account by cloning my SIM card and then stole over {$3100.00} of Bitcoin from me and sent it to another account. Oh and they bought {$1000.00} worth of XXXX using my bank account which was linked to my Coinbase account before they did that. 

Coinbase has treated this like it's my fault and once I disputed that transaction with my bank for {$1000.00} they told me that I owe them that money now. I understand the cryptocurrency is not insured at all but coinbase should have been a little bit more helpful with this matter. They must know where the money went. Also I wouldn't be the least bit surprised to find out that someone from coinbase took my money. Someone had to of targeted me since my XXXX was not in a cold wallet. I thought it would be safe on the app but I guess I was wrong. 

To top it all off I have not been able to access my account and keep getting an error message that says they can't verify my ID and my webcam is not working when I know that my webcam is perfectly fine. I was going to withdraw the rest of what I could that wasn't stolen but I have not have access and now they're telling me they're going to take the remaining cryptocurrency that I have because of the transfer not working when Im not the one who even made the transfer it was unauthorized. 

To sum it up Coinbase is not safe to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
First, the standard complaint questions do not accurately describe my situation. I hope you can still help me. I had a bank execution entered against me. I have been told the bank did not do the execution properly. The execution was dated  XXXX /17. It was served on Key Bank on  XXXX /17. It was mailed to me on  XXXX /17. The letter I received from Key Bank did not explain the proper process for filing an exemption claim form in CT. Instead of telling me to fill out the exemption claim form and take it back to Key Bank within 15 days to prevent my money from being taken, the letter told me to contact the State Marshal who served the bank execution on me. The letter did not mention that if I took the exemption claim form to the bank, it would mail it to the court and a hearing would be scheduled. The letter did not mention anything about certain monies, such as Social Security, being protected from execution. I did n't understand all of the papers attached to the letter. Finally, although the funds in my account were all from Social Security, the bank is charging me a {$100.00} service fee and the Marshall is charging me a fee for serving the execution. I contacted legal aid and was told to file an exemption claim form with the court. I have a hearing scheduled   XXXX   XXXX  , 2017 and expect to get my Social Security back. I do not know if I will get the service fee or Marshall fee returned but both should be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. I was told by a legal expert in an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2021-07-06
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company 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 2020-06-22
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Ally financial, my car note company - HAS NOT reported my payments since XXXX of 2019. They said that they would make note and update it and NEVER have. They will report when you miss a payment or don't pay them, but won't update a positive report? 

I'm angry. To say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland credit company, I do not know who these people are. They call from random numbers from early morning around XXXX XXXX  until late at night approximately XXXX XXXX. They won't say who is calling me, they just say your name and expect you to confirm who you are without identifying themselves. Over the past 18 months or so I have had to block at last XXXX phone numbers. Now I am getting letters threatening lawsuits for around XXXX dollars and they still have not told me who this is for, they continue to say XXXX XXXX however, they are not XXXX XXXX  I have a few credit accounts with XXXX XXXX and I don't have a problem with those accounts. I sold my home in 2019 and moved and settled a debt 100 percent with these people and everything was cleared up and it was for XXXX XXXX. Now they are harassing me again, calling from different numbers and locations without identifying who they are. I would work it out if I indeed owe anything because I am completely caught up with my bills and I work constantly to keep my bills paid and this is negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a business credit card and personal bank account with Bank of America. I have a family business that is in the U.S and  XXXX. The business card is in the name of XXXX XXXX and is called XXXX XXXX XXXX XXXX XXXX XXXX. I called Bank of America and explained that he business was having problems and that is why we were a few months behind on payments on the business credit card. I called on XX/XX/2019 and made the minimum payment of {$100.00} that was told to me to pay and Bank of America accepted it. I noticed today XX/XX/2019 that {$750.00} was taken from my personal checking account and transferred to make a payment to the Business Banking Credit Card. I called Bank of America, and they stated they have the right to collect a debt and can take from any other account that I have with Bank of America be it business or personal. I asked for the funds to be transferred back from the card to my checking account, given I did not receive a call or mail notification that this would happen and that I made a payment the prior month and it was accepted over the phone with an agent and the fact that this could happen was not brought to my attention. In doing this I am now facing a hardship as the amount taken was not expected. I asked if paying the minimum payment that was provided on the phone would be okay and that I can do it in XX/XX/XXXXand I was told this would be okay, and then Bank of America took out {$750.00}. I need these funds back in my checking account. I was not aware when I set this account up and it was not explained to me that a business account and business credit card could be tied to personal accounts, I was told they are separate and as you can not conduct business from your personal checking account, personal and business checking accounts and accounts in general are totally separate. If that is the case, why did Bank of America without my permission transfer funds from my personal checking account to pay current the business credit card? Bank of America was unwilling to work with me and I need help at this time.

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 2017-06-16
Company: EQUIFAX, 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  XXXX  account listed on my Equifax credit report with  XXXX   XXXX   XXXX , that shows in the comments field of the account " Consumer disputes this item '' There is no dispute on the account and I have electronically requested Equifax to remove the comm ent 3-4 times repeatedly stating " there is no dispute on this account, please remove the comment, I agree with the status of this account, please remove the comment '' Wording it 3-4 different ways to make it clear there does n't need to be a " dispute '' flag on the account beca use there is n't anything wrong with it and I do not disagree with its current or past appearance/status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: KEYCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
1. Opened the account on XX/XX/2022 successfully. 
2. Key BankXXXXXXXX XXXX customer service sends me a notification for further identification on XX/XX/2022 including proof of residence, driver 's license and copy of social security card through a protected time-limited email chain. 
3. I comply the same day. Two days later, I have to send an additional email to check on the progress. No response for an additional 17 days, from either the customer service through email or phone, since it looked like the application was not in the system, yet they had me provide my personal information on multiple encounters. 
4. XXXX XXXX connected with XXXX from customer service who investigated more on my case. He said I would be getting an email to complete the application and get my accounting information the next day, since I was " approved ''. 
5. XX/XX/XXXX I was, all of a sudden, declined to open the account given a " XXXX Report  '' through an email from XXXX XXXX. Called customer service rep XXXX, and he could not give me a response initially. 
6. I called XX/XX/XXXX, and requested my information be permanently deleted and the account closed since I do not want my information remaining with a bank I have not established a banking relationship with. 
7. Overall, has been an extremely bad customer service representative experience, no clear concise reason as to why they requested additional information and then decided to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, 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, states, a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2021-06-08
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2019, I applied for a Macy 's credit card as I was looking to purchase an engagement ring. As the credit granted was for XXXX dollars, I didnt use it as it wasnt enough for such a purpose. Moreover, I never receive the physical credit card neither notified the account number of such credit thus I never used it. Several months after, I checked my credit score and realized that my Macy 's credit card was closed because I had missed several payments. Such action has deeply affected my credit score therefore I have not been able to access other financial instruments. 

The first time I called to solve this issue I was told that the purchase was for some shoe brand that I have never heard of before and that it was going to be investigated and that I didnt need to do anything further. As a company with a good reputation I trusted the process, however, months later when once again I checked my credit score, I found that the issue was still unsolved. Once again I called and now, I was told that to solve the issue I needed to have the physical account statements of such credit card to open the investigation, but as I told before I have never received anything regarding such credit card. The customer service representative checked my address and realized that the address didnt have the unit number thus she helped me to correct it and ensured me that I was going to receive them from 7-10 business days, however after 2 months I didnt receive such statements. Tired of not being able to improve my credit score because of this issue, I called the customer service number and they told me that once again, the representative didnt correct my address and, that was the reason I still didnt receive the statements. However, she told me that in the meantime I could send this letter to this department explaining my particular situation. 

I appreciate you can help me to solve this issue, as I have stated before I have never used this credit card and it frightens me how easily malicious people can use my personal data and affect my credit score directly. Moreover, it astonishes me how can it be possible that another person had access to such a credit card if even I have never seen physically such a credit card. Also, it chokes me how tedious has been the process to solve this issue and concerns me how customer service representatives can tell one thing and then on another phone call say another. It has been more than a year since the first time I called to solve the situation and still I dont see clearly when I am going to be able to clean and improve my credit score.

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 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 sent numerous requests via mail and telephone to resolve my credit reporting errors to the companies in regards to late payments on my account. I have sent my personal information along with a copy of The Heroes Act and explained that I was negatively impacted by Covid 19 and per the Heroes Act be protected from it affecting my credit score. I have sent requests in XX/XX/2022, XX/XX/2022, XX/XX/2022 and also had several phone requests without any resolution into the matter. This is severely impacting my credit and which in turn is not allowing me to purchase a new home and it was beyond my control and again per the The Heroes Act I am requesting that the late payments that were reported during the Pandemic be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: VA
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:
This bankruptcy should not be on my credit report. According to 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. I have attached my FTC report that was sent on XX/XX/21 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to report the bankruptcy on 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 explanation
Consumer complaint received 2021-07-06
Company: Medical-Commercial Audit Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
MCA havent removed collection of my XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief