BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: VA
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:
Equifax has been non-compliant with removing the unverified account XXXX/XXXX  XXXX which has been deleted by XXXX   and XXXX  . XXXX  and XXXX  have both completed their research and determined that XXXX/XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Continental Finance Company, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I recently applied for a credit card with XXXX/Continental Finance after receiving a pre-approved offer. In an effort to build my credit, I applied and was approved for {$500.00} ; I was aware this would be decreased to {$420.00} due to the {$75.00} annual fee which is deducted from the available credit. Upon receiving the card, there was an available balance of {$390.00}, this is due to the company sending me 2 cards, 1 in a previous last name and 1 in my current last name. Due to this extra card, I was charged an additional {$30.00} ; the problem is, I did not request an additional card, I applied for the credit card in my current name which is also reflected on my credit report and the card should have only been issued in my current name. 

I tried to contact the company by phone, multiple times with no success. The hold times will start at 14 minutes and the longer you hold, the longer the wait time becomes, 15 minutes, 17, minutes, 20 minutes ... which is absolutely insane and quite baffling. 

I would like the {$30.00} charge reversed and this company needs to do a better job at of being sure they're issuing cards correctly and not charges customer from non-applicable fees.

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 2018-01-17
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I initiated a wire to withdraw my funds of {$12000.00} from Coinbase to my bank account. The funds were immediately taken out of my Coinbase account, making them unavailable to trade or invest, which was expected as a wire is same or one business day. At the time the wire was initiated there was no warning of delay by Coinbase. Today is XX/XX/XXXX and I have still not received my funds and they are unavailable on Coinbase, unable to invest. I have emailed the company multiple times with no response. I have called them multiple times with no one to answer. The phone simply disconnects. I have written them on social media over 20 times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called US Bank several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.

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 2018-01-17
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$180.00} will br collected by XXXX XXXX I, XXXX, the charge is a fraud charge put on my citi master dividened card. The balance is sold to XXXX XXXX I, XXXX by citi bank.

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 2018-01-17
Company: DCI Credit Services, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit XX/XX/XXXX and seen that there was a collection placed in XX/XX/XXXX for a medical debt in the amount of {$770.00} from XXXX that I am unaware of. I have disputed it several times, XX/XX/XXXX and again in XX/XX/XXXX asking to verify that this account is in face mine or delete this as it is holding my credit at a stand still and I have received nothing from anyone. I looked the company up and they do n't seem to be able to collect in the state of Idaho which I currently live in and have the past 2.5 years and they may be in violation of my HIPAA rights by having access to this account which may be why I have received  nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My bank is supposed to have my back & help protect my money in dispute cases when refunds cant be worked out with the Merchant. 1 ) I did contact the merchant 2 ) I submitted my dispute to SunTrust for {$270.00} transaction 3 ) I sent the additional form for the 1st dispute. I have submitted a claim about this already but I am appealing their response as SunTrust is declining the dispute and not helping me. Its unfair and Suntrust keeps saying that I never sent them the form e-mailed with the confirmation which I did send How do I know if they received it? I assumed my dispute was being processed. I waited patiently until I noticed it suddenly disappeared from the claim center without any listed information on the SunTrust online banking page. Thats when I called support & they told me to re-send the affidavit.

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 2018-01-17
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At the end of XX/XX/XXXXXXXX Escrow is XXXX. Escrow pmt for XXXX XXXX, XXXX XXXX w hazard ins of XXXX due at end of XXXX As Escrow was over XXXX at end of XXXX, I expected a refund, but they refuse. After my loan was sold to them last year, they immediately increased my payment by well over 100.00. Im a single mother and the initial payment that I agreed upon with the first mortgage co was already tough. And it appears that they have plenty of escrow at the end of the year. They havent lowered my payment either, so I guess there will be about 2200.00 left over in XX/XX/XXXX. You can not get in touch with them. You email, they dont respond. You call and their automated voice sends you around the world then hangs 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 2018-01-17
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX Student loans sold many of my private loans to XXXX. While looking at my credit report I see several " payments '' made to XXXX that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to XXXX and therefore should not be represented on my credit report. 

I have NEVER made a payment to XXXX, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the XXXX XXXX XXXX. To date XXXX has not given me any information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made XXXX should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls starting early in the morning and occurring all days for two to three days at a time. Repeated at least 10 days during XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called Chase several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All accounts were closed on the morning of XX/XX/2021 without any warnings or explanations. Spoke with management and their response " we don't know anything, it was a business decision made by the bank. You have to wait for 24-48 hrs. until we are able to give you answers. ''

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 2021-04-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$1200.00}, {$930.00}, {$920.00}, {$2400.00}, {$0.00}, {$0.00}, {$0.00}, {$940.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

6. XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently became aware of the XX/XX/XXXX CFPB Enforcement action against Flagstar File XXXX.  I have the necessary documentation to prove that I was an " affected consumer '' under this action ( a copy of the Note from closing in XX/XX/XXXX and the assignment from when Flagstar sold my loan in XX/XX/XXXX ). I was never notified as required by this order. As a result, I was denied the opportunity to explore what modification options would have been available to me. 

I want a complete explanation of why my loan was not identified. I want a copy of my complete loan file. According to the enforcement order, Flagstar is required to retain my file until five years from the order date of XX/XX/XXXX. I also want a direct contact to deal with at Flagstar.

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 2018-01-17
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I obtained a student loan for my XXXX studies back from XXXX. Following graduation, I began repayment. In XXXX, I enrolled in graduate studies and obtained my XXXX XXXX in Secondary Education in XXXX. During my XXXX years of grad school, I deferred my student loans and began repayment after I graduated. I had difficulty paying the loan in the XXXX. I eventually applied for and received a forbearance. I then began repayment of my loans with a company that I can not recall the name of, and then the loan was passed along/purchased by different lenders without my knowledge until after the fact. For a time I did not even know to whom I should pay for the loan. In XXXX, ACS purchased the loan, and I have been paying them monthly, without fail, since that time ( though they were recently bought out by Conduent ). My loan interest rate was locked in at XXXX XXXX. I pay {$410.00} every month, and to date, I have paid {$36000.00} ( XXXX consecutive payments ) on a loan ( original loan amount being {$37000.00} ) that I now still owe {$44000.00} ( outstanding balance as of today ). I will admit that I have not checked my account often, as the payment comes out directly/electronically every month and has for almost XXXX years. I pulled up my account today and can not wrap my head around the outstanding balance. How can I owe this amount? I also do not see a projected loan payoff date on any of the screens that I researched while logged on to the website. Perhaps that is because at this rate, I will never pay it off. Something must be wrong here, and I fear that contacting the company without support will not get me anywhere, as I have read some very negative reviews about this new company, Conduent. I have no idea who to reach out to about this. I have found many resources online, but I am not sure which ones can be trusted or which ones are just other lenders or scammers. I found this resource, and I am making a plea for assistance, advice, information ... etc. Finally, when I clicked on the Website information for Conduent that is linked from my student loan account, I received a message indicating that the website I was trying access may be impersonating the company website to get access to my personal and financial information. I have attached screen shots of all of this information for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EdFinancial Services
State: FL
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:
On XX/XX/XXXX I paid off XXXX XXXX XXXX with EdFinancial, my loan service provider. On XX/XX/XXXX I made a payment of {$340.00} to XXXX XXXX XXXX with EdFinancial. The payment was misallocated to XXXX XXXX XXXX by EdFinancial. I did not notice this mistake until XXXX, XXXX. At first I believe I had somehow selected an incorrect loan group while making my payment, but was confused as I didn't believe I'd be able to make a payment to a paid off loan. However, after contacting EdFinancial to receive assistance is correcting the payment, I was told they had a system-wide error in XXXX causing many payments to be misallocated. The agent on the phone told me no attempt to contact me to inform me of the error had been made, because many clients were calling them with the same issue, so they didn't have time to provide a notice. I asked if the error would be corrected before the forbearance period ended on XX/XX/XXXX, they said they were unsure and couldn't provide a resolution timeline. I reached out via email to receive assistance as well and they said they could submit a " request to our Finance Department to review [ the ] account. '' I received an email on XX/XX/XXXX saying they had resolved the issue. However, when I logged into my account to review the correction on XX/XX/XXXX I found that they had not corrected the error. Instead, they had left the payment from XX/XX/XXXX incorrect and moved my pay-off payment from XX/XX/XXXX to another loan group, incorrectly. Now XXXX XXXX XXXX is incorrectly paid off and XXXX XXXX has a remaining balance of {$770.00} instead of being paid off. I called EdFinancial to remedy this on XX/XX/XXXX and they said they'd try to correct it in the next 7-10 business days, but I'd have to be patient as they have hundreds of these corrections to complete. However, this issue is persisting and the Forbearance period is ending soon and I will have to pay a higher interest rate on Loan G instead of Loan C. I've been going back and forth for an error on their part for a month and they seem to be making the initial issue worse rather than resolving. Additionally, when I ask how I can make sure this issue is documented, they say they are unable to provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: FL
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 asked equifax to verify information on my credit report. they never reply

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The creditor has ignored my request for this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company refuses to be truthful about who they are and constantly goes under many different names. They will not disclose the correct company name when you call or give an address. 
I have repeatedly asked them to not call me at work, call my personal cell or family and friends but they do not listen. They make threats to my job and family that they are serving me paperwork for court hearing in XXXX XXXX and to avoid being ARRESTED they need to get my location immediately ( nothing has been filed with XXXX county ) They are calling me over 15 times a day from different numbers. 
I got so fed up with the calls, I started making payments to make them going away feeling like it would never end. The never sent over receipts or bills like promised, and they tried to pull out more than I had accepted. Within 1 hour of trying to take a payment and it not being accepted they were calling my employment yet again to try and threaten my arrest. I have disputed this to fraud to my bank and I have reported them to the XXXX XXXX XXXX, attorney general and now here. 
I have recorded phone calls, emails and voicemails of their tactics.

Company response to consumer: Closed with explanation