BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
These idiots i disputed hard inquiry and they deleted 2 positive reporting accounts one i closed and other one is 1 of 3 credit cards i have open

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 2017-10-06
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi - My mortgage was modified many years ago when owned by XXXX XXXX. It was modified through XXXX. As part of the modification, my payments are to step up due to rate changes ( XXXX years at 2.0 %, XXXX at XXXX, XXXX at XXXX and finally a reset to 4.375 % ). My loan payment just modified to 4.0 % on XX/XX/XXXX. Since being modified, the mortgage not was sold and servicing rights were transferred to Fay Servicing. 

I am underwater on my mortgage balances. I purchased my home in XX/XX/XXXX for $ XXXX. I currently have a mortgage balance with Fay Servicing of $ XXXX and a second mortgage with XXXX XXXX of $ XXXX. I believe I could sell my home for somewhere between $ XXXX and $ XXXX based on recent comps. Realistically, if I were to sell at $ XXXX, I would need to bring approx. $ XXXX to the table to cover closing costs and mortgage deficiencies. That number also does not take into account the XXXX foreclosures in my neighborhood that I will be competing with that may drop that price and increase the amount I would need to come to the table with. 

I pro-actively reached out to Fay Servicing to explain that my income has not risen at a pace to keep up with the new payment structure. I alerted them to this over a year ago and then again last month ( XX/XX/XXXX ). At this point, I am not able to make my XX/XX/XXXXpayment as it is not within my budget. 

I just received Fay Serving 's response to my request for assistance. Their response is dated XX/XX/XXXX and simply states I am 'not eligible for an alternative to foreclosure '. Based on previous experience with Fay, I did not expect much assistance. But, this letter leads me to believe that my only option is foreclosure. 

Recently, I read an article about Fay Servicing was keeping borrowers in the dark about their foreclosure prevention options and a civil penalty assessed by the CFPB. Based on their response to me, I feel that this practice is continuing at Fay Servicing. 

Also, when reviewing my recent activity with Fay, there 's an odd line item dated XX/XX/XXXX. The line states : 'Misc Foreclosure and Bankruptcy Expenses '. I 've inquired about it to my account manager and have not received a response to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022 XXXX XXXX was stolen via an unauthorized transfer from my traditional IRA to XXXX XXXX 's XXXX IRA and then off of Gemini 's Exchange. 

I emailed Gemini Customer Support, because it's the only way to contact them, to alert them to the stolen XXXX  from my Gemini IRA Account. They said their system was not breached and it was another company 's fault and that I should contact them, IRA Financial Trust, who is their partner in providing this IRA product. 

Gemini claims to be a secure platform and XXXX XXXX  of retirement was stolen from their Exchange because XXXX was bypassed and there apparently are no safeguards in place to detect unauthorized, illegal transfer of funds between accounts on Gemini 's exchange. 

There are other Gemini customers impacted by unauthorized transactions on XX/XX/XXXX, approximately {$36.00} XXXX in retirement in XXXX, XXXX, and USD. Other victims, who are residents of NY, have filed with the XXXX. I have also filed with the NY Attorney General and the XXXX. No response from Gemini for these attempts at the return of our retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Coinbase, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/21, I attempted to make a transaction at XXXX for {$2400.00} on my coinbase visa card ending in XXXX, tied to account associated with email XXXX. The transaction could not be processed, so it was refunded. I made another transaction again on XX/XX/21 for XXXX and the same thing happened. In total, I'm owed {$4900.00}. I opened up a case with Coinbase to resolve the issue, and have the funds credited back to my account. it's been nearly 5 months since I did the transactions, so something is clearly wrong. XXXX # XXXX opened. XXXXReplied with requested information XXXXFollowed up on the case, asking for an update. To this date I have received no response. I've attached screenshots of the transactions in question, along with all of the email correspondence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11
Company: Mercedes Benz Financial Services
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: Problem with personal statement of dispute

Complaint:
I am, the consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ) and 16 CFR 433.1 ( b ) in fact, natural person, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX  XXXX  XXXX and MERCEDES BENZ FINANCIAL SERVICES Taken an adverse action , and violated 15 USC 1681m, 15 USC 1681a ( k ) and 15 USC 1691 by not disclosing the required information about the creditor and the original creditor under the Equal Credit Opportunity Act and the Fair Credit Reporting Act./// XXXX  XXXX  XXXX and MERCEDES BENZ FINANCIAL SERVICES did not clearly and conspicuously make any statement about the creditor and who is extending the credit, creating false, misleading statement and representation. 

XXXX XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES failed to provide a statement with notice of my consumer 's right as mandated under 15 USC 1691 ( d ) XXXX  XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES are civilly and criminally liable under 15 USC 1611 for failure to disclose material facts relating to this adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan originated on XXXX XXXX I have made all my payments above and beyond. Abruptly I been charged an additional {$900.00} and they have increased my mortgage payment to {$2700.00} from the original agreement of XXXX as I have provided for your review. Also included are copies of bank drafts made to Freedom Mortgage payments made that where above the required amount owed. 

Thank you in advance for your help. 

XXXX XXXX XXXX number 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 2017-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam : I am writing to file a complaint against the following third party companies trying to collect on a debt for almost 2 to 3 years now that does not belong to me. I have written them along with all 3 credit bureaus to validate the debt with a copy of my Photo ID or signature, however it has never been provided. They are only sending me a copy of a bill with an old address and they are still reporting this debt. 
XXXX XXXX XXXX # XXXX {$410.00} Acct closed XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX # XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX {$210.00} XX/XX/XXXX 2 ACCTS : PORTFOLIO RECOVERY # XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AND {$510.00} XX/XX/XXXX XXXX , VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a Section 8 recipient under the Inlivian Housing Authority of XXXX, NC. I signed up to get on the program to purchase a home. I qualified to be a participate. I went through the program and passed everything. At first my debt ratio was extremely high. I paid it down to qualify for a mortgage. When I asked BB & T loan officer ( representative ) XXXX XXXX if I could use my income from my employment, she told me I had to be on my job for 2 years. She did not ask me if it was the same category of work or job title ; she just told me if I had not been on the job for at least 2 years, she could not use it. She also did not offer any other options as a remedy. I found out after my voucher expired for the program that I could have used my XXXX XXXX and that would compensate for the 2 year rule for income. Because of her actions, I became disqualified and lost my abilities to purchase a home within the time allowed under the Home ownership Program under the housing authority. I also asked the representative under the Inlivian Housing Authority ( Home Ownership Program if I could have a second extension and they refused and denied me additional time. While I still have my voucher assistance, because of XXXX XXXX behavior presenting BB & T ; I am forced to remain living in a rental property and I also have to wait 1 or 2 years before I can re-apply as well as pay fees all over again when and if I get selected to participate again. I feel this is a deceptive and abusive act as presentation of the banking institution and the institution should be held 100 % accountable for her actions. I also believe it falls under the Disparate Impact. I also believe it is a violation of the Federal Trade Commission 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 2019-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
1. On XX/XX/XXXX I thought I signed up for free credit monitoring account on Experian. I did not want a paid service because I already have one with XXXX. I never signed off on having my credit card billed. 
2. On XX/XX/XXXX I was billed {$24.00} by Experian. 
3. I disputed this charge with my Visa company and the charge was removed. I was unable to talk to an Experian representative as all their published numbers led to a phone tree and automated options that did not fit my query. 
4. On XX/XX/XXXX I was charged again by Experian for {$24.00}. 
5. This time I tried four different Experian phone numbers and still had no option to speak to an Experian representative so I could find out why I was being charged. 
6. I also checked my online Experian account which said I had a basic membership. There with no documentation that it was a paid account. The online account only offered me the option to upgrade the account. No ability to query or cancel it. 
7. I got back on the phone and did the automated option to cancel my membership. When I pressed the option to cancel it said I was cancelling a " FREE '' membership. 
8. Experian operates deceitfully by roping people in for free credit monitoring and then billing them. The Experian website and phone tree are organized to deceive the consumer and lead to unnecessary charges.

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 2022-04-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22, a fraudulent transaction/transfer occurred on my account without my permission where {$49000.00} via my citibank account XXXX I called the customer service representative but to no avail. My money wasn't returned and Citibank did nothing in their power. I remained on the call for 5+ hours and by that time the unauthorized transfer was conducted. 

I want my refund back. The guy hacked into my phone without my consent.

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 2021-05-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My wife and I booked a vacation to XXXX using points on our Chase XXXX XXXX rewards card. During the flight selection we were limited on their rewards site to using a carrier that had filed bankruptcy for our preferred vacation location. We expressed concern to chase and we were assured the carrier ( XXXX XXXX ) would still operate as normal. The night before ( XX/XX/XXXX ) we were due to fly back home to XXXX XXXX, we recieved messages stating our flight XXXX # XXXX ) was cancelled due to the bankruptcy. We spent {$1700.00} above what we had already spent to find a timely flight back. I spoke to Chase Customer Service and they pretty much informed me I 'm out of luck and I just have to pay. XXXX is still knowingly using airline carriers that are in bankruptcy to fulfill rewards, they should be held liable for this. I would have never booked a flight with a bankrupt air line otherwise, not to mention I was lied to when I was assured it was a stable situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: SC
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 submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. I havent received a response or status on the investigation in the past 30 days! This is unacceptable and in violation with the FCRA. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach and XXXX XXXX data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. I havent received a response or status on the investigation in the past 30 days! This is unacceptable and in violation with the FCRA. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XXXX  data breach and XXXX XXXX  data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off 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 2020-04-24
Company: Synovus Bank
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit account with first progress card. the account went into a charge off/ collection. I paid the bill 0f XXXX in full and first progress is refusing to update the information with all 3 credit bureau. I have full evidence that I have paid the money. I have a photo of my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I have been trying for about two years to get this account off of my credit report. I have contacted XXXX XXXX twice, they have sent me two different letters stating that they have contacted the three credit bureaus to have this trade line removed from my credit report. 
It still appears on all three reports! 
This a a fraudulent account that is affecting 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 explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: AK
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 ran an Equifax Credit Report and it showed that I have 10 loans out in my name : XXXX XXXX XXXX. I never took out any reports. They are all fraudulent loans that I did not take out for myself or anybody else. Please investigate this Identity Theft or Fraud on my Credit Report and find out who is illegally applying for loans using my name. Please inform me of what I need to do to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: SC
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 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 non-monetary relief