BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: Grain Technology, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello so I received a notification from Grain that my payment was 1 Day late I got this notification via email on XX/XX/XXXX. So I went on the grain app and updated my checking account information and scheduled a payment. Unfortunately I noticed that the payments I scheduled with my new checking account were not posting to my Grain Account. I noticed this on XX/XX/XXXX after I scheduled a payment and immediately got an email saying my account is 1 day past due as of XX/XX/XXXX which is odd because I just scheduled a payment. So I emailed Grain immediately which is Grains only form of support through their app. I emailed them on XX/XX/XXXX and they responded back to me on XX/XX/XXXX saying that my account had a issue updating to the new checking account information and they have fixed the issue and I can now schedule my payment with my new account. I scheduled the payment on XX/XX/XXXX for {$100.00} and {$37.00} on XX/XX/XXXX. After I scheduled the payment on XX/XX/XXXX I received a notification that my account is now 45 Days past due! Crazy right 1 Day to 45 Days is a huge jump, which just points to something being wrong with their system. I know I wasnt 45 days past due because in addition to the 1 day late payment notice I received on XX/XX/XXXX I got a follow up email saying my account was 2 weeks past due as of XX/XX/XXXX. There is something wrong with their app, Ive brought this to grains attention they will not do anything about the negative credit report of 45 days which isnt true. I scheduled the payments but Grains system didnt take them and it wasnt until I reached out that Grain that then allowed my new checking account to even be linked. I have included all the proof. This is setting my credit score back negatively, I have the receipts ( emails from grain ) and they are time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hello, This company sent TWO letters to an address NOT associated with ME! Has never been associated with ME!

They sent two letters to XXXX XXXX XXXX, XXXX NJ. 

That address has never been on file with XXXX  XXXX XXXX ( the credit card owed ). 

The person residing at that address now knows personal business of mine. 

This is unfair and a violation of the Fair Debt Collection Practices ACT. 

I am entitled to {$1000.00} per violation so {$2000.00} in this case ( 2 letters ) I will contact my attorney ( XXXX XXXX ) in case that this is not resolved correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: SLM CORPORATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I filed a chapter XXXX bankruptcy on the XXXX XX/XX/2018 and got a discharge on XX/XX/XXXX, throughout the discharge proceeding I was getting calls and letters from this company and constantly harassing me about repossessing the vehicle the entire time, they have someone calling me about picking up the vehicle every day, which I did, even after I got the discharge Im still getting letters and calls from this company saying I have a balance, and it still showing on my credit report as a open account with a balance. Ive gotten so much letters like the envelope I attached about repossessing the vehicle even after I handed over the vehicle to the recovery company they have harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Receivables Performance Management, LLC
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:
I recently challenged the validity of RECEIVABLES PERFORMANC ( Original Creditor : XXXX XXXX ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.

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 2021-06-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, Wells Fargo Home Mortgage illegally foreclosed on my property and did not follow protocol. First of all child support began XXXX of XXXX, around the time that I saw the Texas Attorney General. At that time we were instructed to officially file for divorce to settle the property we owned located at XXXX XXXX XXXX XXXXXXXX, Tx XXXX. Because Texas is a community property state where common law marriage is recognized the coborrower was my spouse. My security instrument and deed clearly include The GarnSt Germain Depository Institutions Act of 1982 clause. Therefore what Wells Fargo Home Mortgage did was illegal and the act also states that the granting of a leasehold interest of three years or less provided the lease includes no option to purchase also protects against foreclosure. There was an automatic renewable lease filed of record with the county XX/XX/XXXX. So the foreclosure that occurred should have never taken place..

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 2020-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Online banking was hacked and someone stole {$1900.00}. It has been 5 months and the bank is refusing to give me back my money. A couple months ago I was on vacation in XXXX and my online banking was hacked. My vacation date was XX/XX/XXXX - XX/XX/2020. During this period of time my American cell number was inactive because I was using a XXXX sim card. On Tuesday XX/XX/XXXX while I was in XXXX, I recognized two unauthorized transactions in my savings account ; {$600.00} and {$500.00} was transferred to an account under the name of XXXX on XX/XX/XXXX and XX/XX/XXXX without my authorization. I tried contacting Bank of America about these transactions but it was difficult considering my american number was inactive. On XX/XX/XXXX the morning after I got back from XXXX, I went to contact my bank about these unauthorized charges and that is when I saw a third unauthorized transaction of {$800.00} that happened on XX/XX/2020. I filed my complaint with the bank and they denied my claim saying that an authorization code was sent to my cell number for these transactions, but I know that did not happen because I did not even have in my American sim card in my phone. I refiled the claim explaining to them that I had nothing to do with these unauthorized transactions and they have been sending me in circles ever since then. They won't reach out to me if they need additional information from me unless I call for an update and then they say " well we need more information ''. They ask for paperwork and I fax it to them multiple times with confirmation on my end saying that they have received the faxed files and then when I call they would say they have not received the files. they asked for a detailed phone billing showing my cell line activities for the month, I paid for the detailed phone bill faxed it to them then after a couple weeks thinking that my case is making progress I call for an update and they they tell me they need a letter from the phone company and not a detailed phone bill. I requested to speak to the investigator on the case, they said they would put in the request and it has been two weeks and I still have not received a call from the investigator. This has been a really frustrating experience because I am currently a college student and the money that was stolen was basically all of my savings. Bank of America has not once shown sympathy for my experience or even apologize for the inconvenience they have caused.

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 2018-09-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, I heard from PM, a man named XXXX, ruthless, no apology, etc and anything that is negative. He called to tell me only that my loan was not going to vacated and went on to bring up about XXXX ' payment, which I indicated that they should receive it tomorrow. During the call, I made it very clear that this war with them was not over. This has been happening for 10 years and my voice was far from flattering. These people are venomous, savages, unprofessional, no sympathy and the only service they offer is ... .BLOOD ON THEIR HANDS AND THEY SPEAK WITH FORK TONGUE ... HATE THEM ... .... 

The last complaint is number XXXX, I received a response from Penny Mac, on Friday, with their same standard format, indicating they are researching the matter. Based on their past history, this is what will happen, I will receive  another standard format in the next couple of days and this is what it will say ... Based on our enquiry we found no evidence that we have done anything wrong. I sent you the copy of their statement and this is what they do to me twice a year. This is been a problematic and chronic. So, in other words it is okay with them to continue their wrath. You can review my previous complaints outlining the same issues. There will never be any enquiries, whatsoever. It is only a standard format, in order for them to follow the protocal, for the government. They have an overturn of employees. 

I have pasted one of the links against PM, for your review. This is not a handful of complaints against them. The list is endless. Consumers have posted blogs and it is viral. I contacted a couple of law firms in XXXX XXXX and had spoken with them and each indicated without commenting on the litigation, if there were any class action against Penny Mac and guess what, there are and it is Penny Mac 's employees, who are the litigants. So, I asked, if they were whistle blowers and they replied, reluctantly, yes. I chuckled and replied, they will receive justice. 

Did your bureau have any knowledge on the matter? If not, now you do. Now about me. This Penny Mac is ruthless, unprofessional, forgery, fraudulent, thieves, emotional distress, screaming at me, etc. I have uploaded my initial complaint, per XXXX XXXX and thus, as of this day, nothing is whole. I had never heard of this bureau, until XXXX XXXX referred had indicated that it was time for the foregoing complaints and this is not going to stop. 

In addition, their extension numbers and web is ineffective. Do I care, no? They are disrespectful and arrogant. One of the employees, is XXXX. Bad news. All of my payments are through my credit union only, not them. They are not trustworthy. The evidence has been a ten year problem and they still have me in delinquency, as usual. They are a group of morons. 

XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/ I initiated a transfer from my Coinbase vault to my Coinbase wallet. The transfer is still pending I didn't worry too much about it.I had money to spend in my wallet and I have generally been very happy with the services they provide. On XX/XX/XXXX I called their customer service number. The person who answered only took information and was unable to assist me herself. She documented my problem and assured me an 'expert ' would e-mail me back. It has been over two weeks and I not received any response. The amount was XXXX which is probably about {$6000.00} today. 
I'm not real happy. I have since seen a video of someone who had this problem and it was because he didn't confirm the transfer in both emails. 
I only have one e-mail to confirm in my inbox. It is possible that if they sent me two back to back with the same title, that I deleted what I thought was a redundant copy. In either case My money doesn't show in either location. It is in limbo and I feel held hostage as I am getting no assistance in resolving this issue. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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 information incorrect

Complaint:
I previously filed a CFPB complaint and thought was resolved. It is not resolved and my credit is severely negatively impacted due to invalid delinquency. XXXX/ XXXXXXXX XXXXXXXX visa card added invalid charges to an accouNt which i never activated or agreed to. my fico score has now dropped 78 points. the account is closed and shows XXXX balance but the invalid delinquency still impacted my otherwise flawless credit.

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 2021-06-28
Company: Bread Financial Holdings, 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 checked both my XXXX and XXXX reports and noticed a significant decline in my fico. I checked the details to see a comenity bank / Victoria secret account that does not belong to me reporting late. That account is not mine and I have no responsibility for it. The account owner, XXXX XXXX, removed me as authorized user in XXXX. He has been incarcerated since XX/XX/XXXX and the card is being used fraudulently by other individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.

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 2020-08-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I paid for a good that was never delivered. I found out the good would never be delivered a day after paying for it as the seller stopped responding to me and showed upon further research on a list of known bad actors. On XX/XX/XXXX I alerted my bank ( TD Bank ) to file a dispute. They started a claims process, and credited my account provisionally. 

This claim was ultimately reversed on XX/XX/XXXX, 62 days after the charge was made. 

I called the bank several times over the next few months to get insight into what happened. In one conversation, the agent made clear that the charge had been erroneously flagged as fraud, rather than as a dispute for goods undelivered. She suggested I file a police report and fax my statement and relevant information to the bank 's claims department, which I did on XX/XX/XXXX. I heard nothing, but assumed another few months time may be warranted, given the last review took 62 days of silence and waiting. 

On XX/XX/XXXX, after giving the bank ample time, I called again. The fax had not been reviewed, and a new corrected claim had not been opened. I had to speak to yet another agent, who resubmitted the claim, presumably correctly, then fax the forms again. I was re-credited on XX/XX/XXXX. I was then later asked for further information, which I provided in detail on XX/XX/XXXX. This suggests that content, not timing was the issue. 

On XX/XX/XXXX, I received a letter stating that " The customer must notify the bank of an error, orally or in writing, no later than 60 days after we send the periodic statement. '' I notified the bank far sooner than 60 days after receiving a statement, I notified them 3 days after the charge in question. Moreover, I could not have notified them that the dispute had been mishandled within 60 days of the charge in question, as the rejection of the claim was submitted to me 62 days after the charge was made. 

Upon speaking with an agent on XX/XX/XXXX, his admission was, 'The only reason that we weren't able to credit you is the 60 day window elapsed. ' I could not have observed the 60 day window if I wanted to, due to the flawed dispute handling and laggardly behavior of the bank. 

By no account is TD Bank upholding their own rules, nor are they acting in a timely manner or in good faith. I would like my money back, and for my time to not be wasted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To Whom It May Concern : I have a chase credit card with link to mariott bonvoy account. I applied for the credit card in late winter ( XX/XX/XXXX ish ) I have been using and traveling with this credit card with no problem until XX/XX/XXXX. I was in XXXX XXXX, arriving on XX/XX/XXXX. I was using my credit card without problem. Up until that point, no late fee charges and had no disputes on my account. On Monday XX/XX/XXXX I was in a bus full of people, my credit card was in my bag which was being clutched to my chest. As I was exiting the bus, some patrons were not letting me off and I had to physically remove myself to get off of the bus. I was immediately concerned and checked my bag, noticing that my credit card was missing. I ran to my XXXX to connect to WIFI and call chase fraud alerts. I could not use my internet account because it was not linked up properly. I had called in XXXX to try and get it fixed but after waiting an hour was unable to do so. 

While waiting on the phone, in the XXXX XXXX, I received an email stating that chase had blocked a transaction of XXXX XXXX dollars. I finally got a hold of someone after 45 min to inform them that my credit card was stolen and needed to be cancelled. They informed me there were recent transactions of increasing amounts that had just occurred on my card of XXXX, XXXX, and XXXX which were posted. They informed me that they would list them as fraudulent and would delete that account and send me a new card. I returned home waiting for my new card to come in. Once it arrived I called to make sure the charges were reported and to set up my online account. The person on the phone was helpful and realized the account number that I was sent to set up my online account was missing a number. She helped me set up the account online and informed me that the charges were taken off of my account and the fraud department as handling it. 


XX/XX/XXXX I received an email that a letter determined that I received benefit from these ridiculous charges which occurred together. I immediately called and after 4th time of calling and talking to someone from Chase I was told that I was not being charged and that the letter was for the matter being closed. The charges would not be placed on my credit card. Today I logged into my account and found the charges there. I tried calling twice after being unable to dispute the transaction online. I emailed them and waited for 40 minutes with no response. I tried calling my local bank. I am extremely frustrated because y card was stolen, reported as fast as possible, and told it was taken care of ; only to be harassed and lied to without the ability to get someone to help me. I will not pay for the fraudulent charges and am hoping this will allow chase to contact me with people that are not lying to me.

Company response to consumer: Closed with monetary relief