BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: MOHELA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was recently transferred to Mohela for XXXX servicing. 
Mohela will not allow me to set up additional payments under auto-pay that target a specific loan. 
i.e. base payment is {$220.00}, but I want to pay {$250.00} a month and make sure that the extra 30 hits a specific loan. They instead take the {$30.00} and split it equally across all of the loans. Their solution was that I need to call in every month to make the extra payment on a specific account. 
This is not a complicated process for them to implement online and every other bank in the world can handle this simple request. 
The ONLY reason not to do it is because they know over the long run they will make more money in interest this way. This is intentionally making the process of paying off debt sooner more tedious. 
This is one of the deceptive practices that should be rooted out immediately. 
Plenty of documentation if available online over consumer psychology that shows people will forget to call in because its extra steps. They know it and are using it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: LA
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:
For the past few months i 've been trying to submit a dispute to the credit bureaus about an account on my credit report. The account is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. This is reporting as a bankruptcy. Now i can admit that i did in fact start the process of filing bankruptcy but i never went through with it, I have the paperworkk to prove that. For some strange reason the credit bureaus are still VERIFYING this account when i KNOW for a fact i have NEVER filed bankruptcy. How is that even possible? Can they do that? Is that legal?

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 2018-01-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i have a collection account opened XXXX XXXX, 2017, Amount XXXX i recently have gone through financial hardship. I have explained to them my situation, i have very little experience with collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
TD Account # XXXX. This relates to a formal complaint XXXX and an answer is required as it follows a response from the bank which I am not happy about. The issue explained by the bank is that my ex-wife at time of the divorce years ago did not acknowledge the transfer of the deed from ( me and her ) to myself. I do not understand why the bank is aware that the deed was supposed to be transferred to me, this is a mystery. I clearly remember receiving paperwork from the county clerk testifying to the fact that the deed has been transferred to me. It is very late in the game to discover this. If the bank figured this out, how in the world this mistake was not discovered at the time of the incident ( my wife not acknowledging the transfer ). 

Who do I believe? the clerk? TD bank and who is supposed to tell me? How was I supposed to find this out? And, foremost who is responsible?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted capital one bank about validating an alleged debt on two separate accounts. I asked capital one to provide me with the actual accounting of he alleged debt, verification of their claim against me in the form of a signed invoice, a copy of the contract with two-signatures, binding the both of us to said contract. 

Capital One has failed to send me these documents of validation, after being put on notice, numerous times. Their inability to provide these documents is grounds for dismissal and the full discharge of any and all alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: NC
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:
I have been waiting for over 90 days. I am filing this complaint because UNITED CONSUMER FIN SVC for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have been waiting for over 90 days. I am filing this complaint because UNITED CONSUMER FIN SVC for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

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 2021-04-12
Company: TRANSWORLD SYSTEMS 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 contacted XXXX  about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could XXXX  verify this account. Surly they never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened up a XXXX XXXX credit card, financed by Comenity Bank in XXXX of 2020. 
The intent was to purchase furnishings for my new home. I purchased a bedroom set with the card in XXXX, and XXXXXX/XX/XXXX charged my card for the full amount, however I never received the goods. It took me 4 months to get a credit back to my account for goods that I never received. A XX/XX/XXXX telemarketer input false information about my account, stating that I received the bedroom set, and the headboard was damaged and I was waiting on a replacement- this was all fabricated lies. I never received ANY furniture from XXXX XX/XX/XXXX. After numerous phone calls and wait times and hold times to be transferred to supervisors - I finally got a supervisor who apologized to me and promised me a XXXX XX/XX/XXXX gift card on XX/XX/XXXX for all of the problems I experienced. So I tried again to order another bedroom set. This time the order was to be arriving in one month- but by end of XXXX the representative told me the order would not get to me until XXXX. Again I tried to cancel this second order- and was put on hold - ( on XX/XX/XXXX ) and Supervisor was very rude- said I can not get the credit back and when I asked about the Gift Card- She said I was not getting anything - I asked but 'what about all the problems I have had and the fact that the Customer is always right ' / and the Supervisor replied back ' Not in Your Case '!! After being verbally abused by XX/XX/XXXXteleworkers- I decided to pay off my balance and close my account- This account was paid off to zero on XX/XX/2020. 
So yesterday- XXXX XXXX I get a bill - from pottery barn for XXXX they decided to charge me several late fees - from just one months time- and they actually duplicate these fees on a closed account- when I called yesterday at XXXX the supervisor said she cant reimburse me the XXXX because the account is closed?? She told me the payment I made was one day late- so I got charged these fees. This is absolutely ludicrous and fraudulent and price-gauging!!!! I just want my account back toXX/XX/XXXX- I never ever ever want to deal with XX/XX/XXXX or Comenity bank ever again. - As a matter of fact, I received a customer service call from XX/XX/XXXX one week after I closed the account and I told her why I closed it. She said she was sorry to hear about my experiences- so this is how they take care of customers- by adding on another bill of false late fee charges -

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased XXXX Ethereum coin on XX/XX/XXXX for  {$630.00} per coin. Total was {$650.00} with fees that Coinbase charges. I bought the coin with my Credit Card which is supposed to be " instant '' as described on Coinbase 's website. I waited and the transaction was stuck on Pending. My card was not charged but the transaction never went through. Had Coinbase processed the buy as promised, I would be able to sell that coin now for a premium. 

I contacted Coinbase 5 days later and opened a case with them. I was told a specialist was working on my issue. On XXXX XXXX, 2018 I got an e-mail saying that my transaction was cancelled by Coinbase since my XXXX XXXX  cancelled it. 

The issue with this fraud is I have bought coin with this same card before and my bank never blocked it. I was even able to buy coin days after on the XX/XX/XXXX with the same card. I got no notice from my bank stating they blocked the charge and they always do send me notice when they do. This is how i KNOW Coinbase is lying by saying my bank is to blame. They do not want to give me my Ethereum coin @ the {$630.00} price because the price of one coin currently is over {$1100.00}. Coinbase is lying and is costing me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, a 4500 Euros transference was performed to my CHASE-BANK account No. XXXX from my daughter 's account ( Savings account No. XXXX XXXXXXXX, XXXX XXXX in XXXX ). Transference code XXXX XXXX  XXXX. ( attached documents # 1 & 1a ). 

XX/XX/XXXX, CHASE-BANK informed us that our account had been locked using their " Security Message '' system. 
XX/XX/XXXX, XXXX XXXX certified the transfer ( attached document # 2 ). On the same date, during a phone conversation with the electronic money department, a representative identified as " XXXX '' informed us the bank doesn't have registered the transfer. 
XX/XX/XXXX. XXXX XXXX, the XXXX branch manager, verbally confirmed that the bank had not received the transference after consulting several bank functionaries. 
XX/XX/XXXX. XXXX XXXX XXXX in XXXX sent us a written answer to our complaint. They informed us the money was indeed transferred to CHASE-BANK , which held the funds. They asked for retrocession that has not been performed yet. On the other hand, the communication reported the correspondent bank did not receive the transference. XXXX letter attached the email with the transference 's XXXX message ( attached document # 3 ). 
On XX/XX/XXXX, the mentioned documents were presented in a new interview with XXXX XXXX, the XXXX branch manager. She checked again, did not find the transference, and suggested we look for the FED IMAD at XXXX to track the transfer. 
XX/XX/XXXX. In response to our request, XXXX bank answered FED IMAD numbers are not used in XXXX. 
XX/XX/XXXX. We requested at CHASE-BANK a written document to show to XXXX. Similar to other occasions, the bank functionaries deny giving us written information. 
XX/XX/XXXX. A XXXX functionary gave us the following code as the " possible FED IMAD number '' : XXXX XX/XX/XXXX. In CHASE-BANK did not recognize the number provided by XXXX. Again refused to give a written communication. 
In summary, 60 days after the transference, CHASE-BANK does not identify the operation in its system. Systematically has made the tracking process difficult. The functionaries frequently identified by their given name and always refused to provide written information, arguing bank 's politics. In contrast, XXXX provided the asked documentation, which has not been enough to clarify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 originally sent TRANSUNION a dispute letter regarding 6 late payments to XXXX on XX/XX/XXXX. ( One letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XX/XX/XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you

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 2022-01-18
Company: EQUIFAX, INC.
State: NC
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:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  is reporting our closed account as 120 days late during the forbearance period although we had a contract and were current up to the forbearance being in effect. We were granted forbearance for 6 moths starting XXXX. We did not know the company had reported our account late as XXXX shows it current while the other two show it late. We called XXXX XXXX to get it corrected and they gave us the run around and refused to correct their obvious error. XXXX refuses to remove late payments assessed during XXXX Forbearance despite the fact federal mandate says servicers can not assess late payments during forbearance if a borrower was on time prior to the forbearance request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My loan payments for part of XXXX and all of XXXX were {$700.00} based on income information that I provided to my lender by linking directly to the IRS portal. Now the lender claims they processed that information incorrectly because I was listed as single in their system ( even though I listed myself as married in XXXX when I filed my taxes and when I filed paperwork to renew my loan ). I provided my spouse 's income as well, to further indicate my marital and filing status. Contradictory to their claim, they are also saying they both my spouse 's and my incomes into consideration to determine the loan amount for XXXX and most of XXXX. Now they are stating they are are working to process my application correctly now and are increasing my loan payment to {$1300.00}, even with my family size of XXXX. My only other option is to switch repayment programs which causes the accrued interest of over $ 38k on my plan to capitalize the interest.
XXXX from Great Lakes Employee ID XXXX spoke with me and refused to consider my husband 's new income even though I told him it had substantially reduced from XXXX. They keep insisting according to new laws and regulations, my supposed payment to them is {$1300.00} according to their calculations. This is putting an undue financial hardship on me and my now growing family ( I am XXXX XXXX  XXXX currently ).
Please help mediate with them so I am not paying dearly for their costly error. Their representative admitted on the phone that their system processed my payment incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter on XX/XX/2021 stating that I owed a debt of {$18000.00}. It also informed me that I could dispute this and request verification of the debt which I proceeded to do. A written request for validation was sent on XX/XX/2021 via certified mail. Transworld Systems Inc. received the letter on XX/XX/2021. On XX/XX/2021, I received another debt collection letter from Transworld Systems Inc. stating that I could use my stimulus check to pay them. No verification was received, and to my knowledge they can not attempt to collect on this debt until 30 days from the request for verification. They did not provide the information requested, and they attempted to collect on the debt again. No reference to the request for verification was made on the most recent letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
automatic bitcoin transfer from coinbase to XXXX  platform stuck after depositing XXXX BTC to XXXX from external source. XXXX is the trading platform of Coinbase. 
Result : approx Eur XXXX worth of Bitcoins not accessible for approx 10 days now - Coinbase reports successful deposit from external source and reports successful auto-transfer to XXXX ( XX/XX/XXXX/XX/XX/XXXX ) - XXXX still reports transfer as pending ( status XX/XX/XXXX ) - As a result, deposited bitcoins not available on both platforms ( Coinbase and XXXX ) For approx 10 days now these funds have not been available to me to trade. They should have been available to me immediately after successful reception by Coinbase on XX/XX/XXXX, as the auto transfer from Coinbase to XXXX should have been instant. The value of the vanished bitcoins is approx Eur XXXX. 

- I created a Coinbase trouble ticket on XX/XX/XXXX, case ID XXXX, however there has been no response. 
- I created a Coinbase formal complaint ticket on XX/XX/XXXX, case ID XXXX. According to their own terms and services, they should reply within 24 hours, but there has been no response The screenshot ... .232.png attached shows : - left side : XXXX platform where the incoming deposit is shown ( XXXX XXXX - XX/XX/XXXX UTC ) which is still on " pending '' - left side : coinbase platform showing " received bitcoin XX/XX/XXXX + XXXX '' and in " transferred bitcoin to XXXX '' XX/XX/XXXX XXXX, also highlighted in front as " voltooid '' ( completed ) The screenshot ... 430.png attached shows my formal complaint The screenshot ... 536.png shows the first ticket made on XX/XX/XXXX

Company response to consumer: Closed with explanation