BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account in COINBASE since XX/XX/2021. 
In XXXX I made a deposit and COINBASE has blocked my account. 
I can not enter or withdraw my money. 
This has caused losses, since I have been trying to sell my XXXX  for a month and I have not been able to. 
This has caused it to have significant losses in the currency I am trying to sell my currency and get my money back and coinbase has my account blocked. 
I have submitted multiple claims, but they are not helping me. 
I want my account to be unblocked so I can sell and cancel. 
I want to be paid for the losses I have had since XXXX Customer service is very bad My XXXX is XXXX My initial claim : # XXXX I have also requested more claims : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX I request your help to respond and resolve my claims Thank you so much, best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I encountered significant hardship in the last year : became a single mom ( no child support ), closed two of my businesses, and suffered extreme financial hardship. I applied for loss mitigation over 6 months ago ( immediately when I fell behind my second missed mortgage payment ). With a ton of back and forth, constant follow up, I finally received a letter today that was dated XX/XX/18. Saying I did not quailify. They did not specify a reason, or date of foreclosure. Im desperately trying to save my home for my XXXX year old son and myself, to keep a roof over our head, and I have tried making payments but they have been sent back. They are demanding I pay {$13000.00} in full and I do not have that.

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 2018-11-10
Company: YKS Acceptance, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
XXXX 's XXXX XXXX, which is now XXXX, will not work with me in completing this lease agreement. Considering I have not had this vehicle in my possession the last few years .... 
I was the cosigner for a girlfriend who I am no longer with. This was her vehicle. She left the XXXX XXXX XXXX abandoned. She contacted me to get the vehicle. Knowing that I'm on the lease also knowing this could affect my credit, I stepped forward and tried to make multiple attempts with the company to resolve this matter. I continually get pushed around in different directions. They keep asking me to go in to redo the lease ( for purchase ) which makes no sense I feel that this lease is fraudulent due to different amounts shown, amounts not adding up correctly. Please help me. I feel that I am being ripped off by this company. THANK YOU FOR TAKING THE TIME TO LOOK INTO THIS. 

Date of purchase : XXXX XXXX XXXX XX/XX/XXXX Amount total of vehicle : {$15000.00} Hidden fees total : {$9200.00} Total amount I owe for this vehicle : {$24000.00} New Copy of paperwork recieved XX/XX/XXXX showing an amount of : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls from Southwest Credit Systems from phone number XXXX ; they have called 10 times repeatedly at XXXX XXXX. for a XXXX XXXX. I called the company and stated they have the wrong phone number, the first customer service person hung up on me. I then called back again and told them they had the wrong phone number and to remove my number ( XXXX ). They again called back at XXXX six more times. As I was writing this I just received another 5 calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is reporting three medical collection accounts from XXXX XXXX XXXX XXXX on.my credit report. I have disputed these medical collections as they are not mine. the company refuses to verify details of the medical services provided because they are not mine. XXXX  and XXXX  both investigated and removed the erroneous medical collection accounts from my credit reports. Experian refuses to remove the accounts or provide information regarding the medical services or evidence of ownership. i have no documentation or evidence as they are not mine.

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 2019-09-03
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 I was issued a paid-in-full letter from Freedom Financial. They continue to report an incorrect balance of {$12000.00}, when, in fact, there is XXXX balance due to them. I have paid the account in full and I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Been charged a fee of XXXX a month for the past 11 months by a company called Citizens One Personal Loans. I never signed a contract with them nor did I ever agree to the terms. I disputed this charge with XXXX XXXX and they stated that Citizen One sent them a contract but upon reviewing the contract there is nothing on it that I have agreed to the terms. I had never seen the contract before nor did I ever know about them. Upon further investigation I have come to realize that XXXX XXXX XXXX works with Citizens One and they are the company charging me to rent the equipment that is not working. The only agreement I am aware of is with XXXX for {$54.00} a month not the {$94.00} they have been charging me. Did I mention they are charging me for equipment that isn't working? 

I've contacted Citizens One many times telling them that I did not agree to these terms and I was not aware of any additional equipment charges and they continue to call and harass me. I've told them I want everything in writing and they said that they do not write letters and they are going to continue to call and harass me. 

I have not signed anything or agreed to any of their terms and I am continuously getting charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My BJ 's Perks Mastercard, managed through Comenity, is illegally applying payments above the minimum payment amount to the oldest balance and not the balance with the highest APR. I had this issue with them in the past and they resolved it, and now I am on the phone with them again because it is happening again. While they may be able to resolve it again, this seems to be a systemic issue they are having and I imagine there are other people this is happening to and it's not just me. They clearly knew the issue last time I saw it was happening and resolved it, only to do it again. I'm submitting a complaint because even if my personal issue is resolved, I believe that other consumers are also being charged interest illegally and they do not seem interested in updating their computer algorithms to applying payments legally ( applying payments above the minimum to the highest interest rate )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Experian Information Solutions Inc.
State: AL
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:
On XXXX XXXX, 2018, I viewed my free credit report on Experian. It shows zero credit history and offers a 1 $ FICO score on a 7 day membership, then charges XXXX dollars a month if not cancelled within 7 days. I DID NOT SIGN UP OR GIVE MY DEBIT CARD INFO, but somehow still received an email with a membership ID and {$1.00} was charged to my bank account. 
Experian claims the only way too cancel a membership is by phone, but every number is automated, with zero option to speak to a human, and states that I am not a member.

This company is going to ruin my credit before I can even obtain credit to begin with, how is one of the three main credit bureaus allowed to be a complete scam?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Equifax about me being a victim of identity theft and have ask them to remove the fraudulent accounts from my credit report along with the hard and soft inquiries that were made. Equifax has yet to remove/block all fraudulent accounts as stated in the FCRA they must do within 4 business days of receiving and identity theft report and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Chrysalis Holdings LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contact this company NewDayUSA to help with a veterans refi-cash-out mortgage application. I was ask to lift the freezes off of mine and my husbands credit files. This company did not inform me that they were going to ask another company to pull our reports. But they did, XXXX XXXX is who they used on XXXX the XXXX and XX/XX/2021. This action cased damage to my credit score, it went down by 18, making me below average for any type of credit loan. I was waiting for this company to do an appraisal on my home before further process of the loan application. I decided not to continue to wait any longer and withdrew from the process. Then going to another veterans lender found out about my credit score dropping by 18, now it is XXXX, below average.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/XXXX, the day before Hurricane Irma hit the State of Florida, I attempted to withdraw cash from the XXXX XXXX XXXX, XXXX FL XXXX Wells Fargo ATM. My password for the debit card was completely removed from the system. The games with Wells Fargo and my password have been going on for years. While trying to contact another branch to obtain needed cash, they sent one of their minions who I have on video tape. 

I am looking for a response from Well Fargo on why my password was removed from the system right before the hurricane. I also want to put in writing to the CFPB that registered letter XXXX XXXX sent on XX/XX/XXXX to your Director, XXXX XXXX was signed by the " Obama Family '' and disappeared to a XXXX zip code that is non forwarding post office. I also sent a certified letter XXXX to your Director and that letter was disappeared. 

Kindly request a response from Wells Fargo on the who and why decided to trigger the password deletion on Wells Fargo end. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank has charged to many overdraft fees. I've tried to get it refunded but haven't been able to get them to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Yesterday XX/XX/XXXX, Experian reported changed information on my credit file regarding XXXX XXXXXXXX XXXX XXXX, partial account number XXXX .... ( see Exhibit B ) The change in information is perceived as a direct result of CFPB complaint XXXX against XXXX XXXX XXXX XXXX ( Exhibit E ) andXXXX against Experian ( Exhibit D ) .The problem and unfair damage to me is that the information was only partially corrected, the account now shows as paid.Yet the payment history shows unpaid from XX/XX/XXXX through XX/XX/XXXX ( see Exhibit B and C ) .The debt now showing paid was completely erroneous to begin with.The debt was a {$190.00} fee increased to {$250.00} tacked on to a paid auto loan after receipt of the clear title, a 48 month auto loan incepted in XX/XX/XXXX and title received in mid-XX/XX/XXXX.The credit reporting today is still inaccurate yet Experian refused online investigation today ( see Exhibit A ) .The account inaccurate, damaging and incomplete should now, based upon the preponderance of evidence, and after multiple 30 day investigations should be removed from my Experian report based upon protections afforded under the FCRA. 
Additionally the creditor who has been assessed amazing fines in the 100s of millions of dollars regarding malfeasance in auto lending should continue under scrutiny of the CFPB as their behavior noted continues.

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 2020-09-08
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.

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 2017-08-01
Company: SYNCHRONY FINANCIAL
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call at XXXX from Synchrony Bank . They asked if they were speaking with me. I asked who was calling and they said it was a matter of personal business. I asked if this was an attempt to collect a debt and they said yes and asked to speak with me. I asked what they were calling in regards to. They told me the account and how much and stated I needed to settle the account on the phone. I asked them to communicate this with me in writing and they hung up.

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 2019-09-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by IQ Data International repeatedly on behalf of XXXX XXXX Apartment in XXXX XXXX for a debt that is listed on my credit report. On XX/XX/XXXX, I was contacted by a representative of IQ and was yelled at, berated, and talked over, after I told him I was not able to speak at the moment since I was picking up my XXXX XXXX XXXX XX/XX/XXXX from school. Because of our interaction, I called back and asked that the representative be taken off of my account. Instead, I was routed to the same rude representative who continued to yell at and harass me before connecting me to his manager, who introduced himself as an Operations Manager. From there, the operations manager demanded that I tell him why I wanted the representative off of my account. I told him I could not tell him because my daughter was in the car and I didn't want her to hear it but that he could replay our conversation since the calls are recorded. He then rudely and loudly reprimanded me for not wanting to talk to him and I told him I had every right to ask that the representative not call me anymore. From there, the operations manager slammed the phone down, hanging up on me. Their tone and language was so harmful that I almost had my husband call them on my behalf. Instead, I am passing along this information to you.

I was previously going to speak with them about discussing the account 's validity and resolving the debt but now I do not want ANYONE from IQ Data International to contact me anymore and it frightens me that many people are facing this type of harassment and abusive tone and language everyday. They should no longer be in business and I have no idea how they are successful in collecting debts if they are bullying, harassing, and berating consumers like this on a daily basis. With their  behavior, I wouldn't be surprised if customers DIDN'T pay them, just out of fear of interacting with them. I have never in my life been so disrespected by people who are asking me for money. I understand that everyone has a job, but that doesn't give people a right to behave in such a barbaric manner. 

To be clear, I would like them to be removed from this industry or, in the very least, be penalized for this behavior. I also do not want anyone from IQ Data International to  reach out to me ever again. If I continue to be harassed, I WILL hire an attorney.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: JPMORGAN CHASE & CO.
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
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 applied for a payoff loan for my lease with Chase. I received very vague information from the CSR 's who handle calls on how to payoff my lease - a check with the account number and mail it to Chase. A second CSR told me to mail it to XXXX  - by that time it was too late - the Credit Union already mailed the check. 

A check was mailed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and cashed by Chase on XX/XX/XXXX. I called in several times that same week to confirm receipt of the check, but they never marked the account as paid. The CSR 's kept telling me to call back and check, that it should be resolved the next day or within a few days. By mid-XXXX, I requested a supervisor as I was told each time my payment was late or to wait for processing. I was assigned a supervisor named XXXX   who advised me to contact the credit union and get a copy of the check that was deposited and fax it to Chase. It was faxed on XX/XX/XXXX, they said they didn't receive it ; it was faxed two more times by myself and the credit union and they finally received a copy as of XX/XX/XXXX. Since then, there have been no updates and they keep telling me that they payment is being researched and they will follow up. I have called numerous times and get the same answer each time - at least 1-2 per week. I called yesterday, same answer with the additional information of they are aware that there are issues with the Payoff department and I'm not the only person who is experiencing this problem - as if that is supposed to make me feel better - I am only more concerned. 

In the interim, the credit union is asking for the title and I'm paying on the loan through them and Chase reported me to the credit bureaus for late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : 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 CARD XXXX

Company response to consumer: Closed with explanation