BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-27
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have purchased a XXXX XXXX with XXXX XXXX on XX/XX/XXXX. 
Because the interest rate is high I transferred the loan from XXXX XXXX to XXXX. 
XXXX paid off XXXX XXXX on XX/XX/XXXX the sum of {$30000.00}. XXXX   XXXX did sent out letter stating that the account is paid off on XX/XX/XXXX. 

The terms of agreement with XXXX is that I need to transfer my Finance Company on title document for which I need Lien Release form from XXXX  XXXX. 

I tried reaching out XXXX  XXXX in the month of XXXX, XXXX, XX/XX/XXXX. and also on XX/XX/XXXX. 

They have the terrible IVRS which asks to enter account information but didnt recognises the customer so with so many attempts I reached a human Service Representative - every time it will take an hour minimum wait to speak with them. 

All the 4 times the representatives assured me that I will receive my lien Document in 4 to 7 Business Days and they said they marked the delivery request as expedited ( which is a big joke ). 

Its been almost 6 months and I didnot transferred my lien holder on title because of which XXXX marked my account as default and resulted in increase in interest rate even though its not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2018 I submitted a complaint to CFPB in regards to incorrect reporting of my student loans by all of the 3 credit reporting agencies. XXXX responded to the CFPB, investigated and made a number of corrections, deletions etc to my credit report. It is not 100 % accurate but it is closer to the truth.

XXXX and Transunion sent the standard " we will investigate and get back to you responses '' That was almost 120 days ago. They did not add any additional information to the CFPB complaint nor did they investigate or they would have found that the same thing that XXXX did.

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 2020-10-10
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 information incorrect

Complaint:
I have noticed that on XX/XX/XXXX when I obtained my credit report of WRONG BALANCES REPORTED, WRONG VARIATIONS NAMES, WRONG opened dates of multiple trade-lines. I tried to get the wrong information fixed but no success all around.

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 2019-01-28
Company: MB FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : My complaint is against this mortgage company : MB Financial, mbmortgage.com,  XXXX acct. # XXXX Beginning in 2019 I decided to pay off my mortgage within 5 years. I have a 15 year loan, have paid on it 5 years and I have 10 mores year before I pay it in full. Beginning the month I paid {$2500.00} towards my principal along with my monthly mortgage payment of {$3000.00}. Thus, for the next 5 years I will be paying {$5500.00} each month in order to complete paying off my mortgage in 5 years.

I went to the MB Financial website and made the arrangements described above. 

A problem developed when I looked at my bank records and noticed that MB Financial took out the {$5500.00} from my account and also accepted my Bill Pay check of {$3000.00} that I had been making to them for the previous 5 years. I promptly called their office and explained the situation. They stated that I should have stopped payment on my automatic payment of {$3000.00} as their " system '' could not withdraw just the additional {$2500.00} I had stipulated. I told them I understood their explanation, however I explained to them that I had only authorized them to pull out {$2500.00} from my checking account. Their website did not make clear that they would be taking out the {$2500.00} I authorized plus the normal {$3000.00} mortgage payment. 

So to resolve the issue I asked them to wire back the extra {$3000.00} they had withdraw, without my authorization. They said they could not, but that they would send me a check sometime soon. Today is XX/XX/XXXXand they still have not refunded me the extra payment. My first call to them was on XX/XX/XXXX. I have made 7 calls so far and still do not have the {$3000.00} they pulled out without my consent. Today, I called to speak to the supervisor, XXXX, and I have yet to get a call back from him. 

This " bank '' has pulled out money from my checking account without my approval. In addition, they have not had the decency to refund me the money. I request your assistance in getting they to resolve the issue. 

Thank you for your help.

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 2017-12-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I was locked out of my Coinbase Account which funds still held within. Over a week later I 've still not managed to access my Account to purchase or withdraw anymore funds which I urgently need to do. I have tried to resolve directly with the company but still no luck. 

When logging in through the browser I get 'Sorry account temporarily disabled. Please contact support '. When trying through the app I get 'Error - Your account has been locked. Please visit Coinbase to resolve '. 

I think I was locked out because I entered my password incorrect too many times. I then tried to re-set the password but no luck as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Perfection Collection
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Perfection Collecton took over a debt that XXXX originally had. I explained to Perfection Collection that I never signed a contract with them or XXXX for a security system. I also condacted XXXX  to let them know the same thing. This is a debt for {$1500.00}. Upon asking them for method of verification that I signed a contract and gave my information, as well to let me know the service address that XXXX was used for, neither company was able to produce it and refuse to delete it from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Mr. Cooper 2 weeks back about the same issue that my online amortization schedule is not visible after login into the account. I have been following up with Mr. Cooper for at least 4 months regarding the same. 2 weeks back I was told that within 4-7 business days - this issue will be fixed.

But nothing has been done till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX AmeriHome Mortgage provided us with a check after we re-financed with another company, for the XXXX refund in the amount of {$2800.00}. Unfortunately we did not cash the check prior to the period of 180 days before it becomes void. I called their Customer Service Line at XXXX on the following dates with the following outcomes : XX/XX/XXXX spoke to XXXX indicated she communicated with the Dept that handles closed accounts and a new check would be sent out. 
XXXX ( Pacific standard time ) spoke to XXXX who transferred me to XXXX. XXXX stated she put in the request to have it issue, said new check should be received in 7-10 days. ( length of this call including hold time was 1 hr 10min ) XXXX to XXXX who attempted to transfer me to the Purge Dept ( for closed loans ) but said Dept was having issues and to call back later or on another day.On this day also told I would be unable to speak with a supervisor because there is no open loan number and that is info that they need to put in in order for them to pick up call. 
XXXX Still unable to connect to the Purge Dept XXXX to XXXX and XXXX before being able to get connected to the XXXX XXXX. 
XXXX to XXXX, in XXXX XXXX, indicated process was started on XX/XX/XXXX and that the check was re-issued. She indicated that it takes 20 days to void and re-issue check and this being 20th day, I should have the check within 7 days, to be safe b/c of mail delivery. If we do not get the check, I can call back and request to be connected to her at XXXX. 
XXXX XXXX with XXXX who was supposed to transfer to Purge Dept. After being on hold for 50 minutes, XXXX picked up, not with the Purge Dept just regular customer service. Based on feedback she was getting from a supervisor, the check was never re-issued but first one was cancelled. ( contrary to what I was told on XX/XX/XXXX ) She took down email address so that they could provide me with info about when check was sent out. Indicated I should have it within 7-10 business days. ( length of this call was 1hr 30 min )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: BAM Management US Holdings Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX while trying to sell an asset that was being held over the course of a day or two, I was blocked indicating trading has been disabled from my account. Subsequently a few service tickets were opened as there is no customer service. I received a few emails indicating that service volumes were high along with some generic responses. Looking back through my many emails from Binance I uncovered an ambiguous email indicating a potential charge back that may of occurred on XX/XX/XXXX in the of {$500.00}. I opened additional service requests with similar generic responses. All the while my account is fluctuating by the {$1000.00} 's. On XXXX Binance was experiencing significant technical issues including depositing money which I believe was due to volume. Nothing was communicated to me that a deposit did not go through. As of XX/XX/XXXX my trading access is still blocked, even the ability to close my positions is not an option which I believe is a terrible policy and almost unheard of in the Financial Services Industry. If they feel there is an issue with a {$500.00} deposit why would the not allow a sale of $ XXXX in assets? Going back to the email I uncovered that suggested there might be an issue it states I must supply a full statement with account numbers and shoot a video of myself holding my license. In a effort to unfreeze my account I have obliged which is disheartening as I am sending sensitive information to where I do not know. I have yet to hear a response Binance after this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had many problems with XXXX XXXX XXXX, formerly XXXX XXXX XXXX. Usually in regards to customer service and contacting the company for help in any way being unreasonably difficult.

COMPLAINT # 1 : Some time last year, XX/XX/XXXX, I signed on to my online account to make a payment to see that I didn't know anything for the month which I found strange because I didn't remember paying, so I decided to keep checking back on the site periodically in case it was a mistake. The following month I received a letter from XXXX telling me that my one month loan deferment had ended and that my payments going forward would be raised slightly to compensate for the month missed during deferment. I never applied for a deferment. I submitted no paperwork for a deferment. I never made a call to XXXX  asking for a deferment so there is no legal reason for them to have applied one to my account.

COMPLAINT # 2 : Several months ago I signed onto the XXXX  site to make a payment but saw that I didn't owe anything for that month, which I found strange because this had already happened to me before. The following month I logged on to the XXXX  site to make a payment and found that I owed for two months. Obviously frustrated, I paid for two months at once to avoid getting late fees which put a strain on me financially for a little while as I had not planned to have to pay double after the missing a month.

I tried to contact XXXX  about both of the complaints described above a few months later via a customer service request and never received a response. I don't have any exact dates but this took place over the course of the last year - late XX/XX/XXXXto early XX/XX/XXXX.

COMPLAINT # 3 : Today, XX/XX/XXXX, I tried to call XXXX  to make a payment after being unable to log in to my online account for the last two days ( every time I tried I saw a message that said " that service was temporarily unavailable. ) I first tried accessing my account over the phone with my SSN, which they said was not connected to any account in their system. This is obviously not true as I've been making payments on my loans since XX/XX/XXXX I then tried accessing my account over the phone with my account number. I would wait to be prompted, enter my account number, the machine would say " Thank you '' and then hang up. This happened three times in a row and I was never able to make it through to a customer service rep.

I need to make payments but my only method at this point is mailing a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Synovus Bank
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:
I have filed a dispute in regards to the incorrect items all my credit report it has been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Mercedes Benz Financial Services
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:
Returned my lease for XXXX  XXXX and got new lease from Mercedes a XXXX  XXXX. However, six months later I get a bill from Mercedes Benz stating my tires did not have proper thread and a scratch on my bumper etc. the bill was for XXXX, I negotiated the bill and was able to settle the tires for {$1100.00}. On my credit report for this lease it stares in comments that I negotiated out of my lease and show closed as of XXXX and negative in commentary and on my reports. This is not accurate and is offensive since I paid my lease off 100 % and was never late and I purchased a brand new lease the exact same day I turned in the XXXX lease which was in XX/XX/XXXX. My old lease that shows paid in settlement was from XX/XX/XXXX to XXXX XXXX have proof of tire settlement which had zero to do with paying my lease payment and Im attaching the negative information from my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: ULRS, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I received a call from XXXX XXXX XXXX about a bill from XXXX. XXXX XXXX who represents XXXX had mailed a bill to my wife and I stating we owed {$880.00} to our address at that time. Since then we have changed addresses. My wife was wondering about the bill emailed XXXX XXXX of XXXX to find out what the charges were for. On XX/XX/2018 XXXX XXXX emailed my wife XXXX back that he would send a statement. This statement did not arrive until XX/XX/XXXX. XXXX XXXX had my wifes email address, work phone number, and cell phone number. XXXX XXXX neglected to let us know about a bill and sent it to collection. He had our address and since we didn't receive anything from Mr. XXXX we believed Mr. XXXX had made an error. XXXX XXXX XXXX had it on XX/XX/2018. Finally after 54 days I received a phone call from XXXX XXXX XXXX. Since they contacted me on XX/XX/2018 I have not received any correspondence from XXXX XXXX XXXX. XXXX XXXX XXXX had called and I had told the XXXX XXXX XXXX once about my present address. How many other people has this business turned people over for collections and not send anything out to people. This company I feel maybe deceiving others by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After i reviewed my credit report i noticed some entries that i did not authorize. I submitted an Identity Theft Report with the FTC and sent it to the CRA 's. I did not give my permission for anyone to pull my credit nor apply for anything. Please delete the inquiry entries i did not authorize : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In applying for a refinance loan with Navy Federal back on XX/XX/XXXX. The person I was working with at Navy Federal continued to ask for documentation in order to have my loan reviewed for approval. I did not like the fact she asked me to scan my tax records and email them to her via the internet. I felt this was not a safe way to ask for personal information to be sent. She assured me that an appraisal of {$500.00} would not be asked for until my loan was approved. After she assured me personally the loan had been approved, the {$500.00} was paid to have the appraisal done on my home. We also had to pay {$140.00} for termite inspection of our home before going to the Title company. After numerous emails of continuing to ask for documentation ( asked for XXXX tax information twice ), and many phone calls, my husband received a phone call from XXXX XXXX that our loan had been denied. To my dismay, I was very upset in regards to how this process was handled. I contacted the department and asked to speak to XXXX XXXX 's supervisor, and instead, the representative pushed me through to XXXX XXXX instead. I asked XXXX XXXX to transfer me to her supervisor and she said she did not know how to do that. I told her I would hold until she found someone else to transfer me through. I left a voice mail and asked the supervisor to call me back as soon as possible. I also called Navy Federal again and asked for the email address so I can follow up with an email and explain to her how I was not pleased in the handling of our loan. I then received a call from another person ( not the supervisor they gave me a name to ),  XXXX XXXX. XXXX XXXX assured me that she would speak with XXXX XXXX and apologized for how the loan was handled. Apparently, all that was done to process my loan was handled very, very badly. This institution had my home insurance already transferred to Navy Federal and I had already sent more documentation to the Title company to begin the paperwork for me to sign on a loan. To find out at the 11th hour my loan was denied is very disturbing and the emotional roller  coaster I have been experiencing is unbelievable. I want this experience to go on record in regards to Navy Federal to where no one else will have to go through what my husband ( XXXX veteran ) and I have experienced. We plan to look for another institution in hopes we can receive help in reducing our mortgage payment soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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: Investigation took more than 30 days

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX**** and XXXX XXXX XXXX XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-01-27
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX CT , XXXX, OH 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 explanation