BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Monday XX/XX/XXXX, I contacted EdFinancial ( https : //edfinancial.com/welcome ) after learning that student debt payments made on XX/XX/XXXX or after can be refunded as I made my $ XXXX payment ( remaining balance ) on XX/XX/XXXX. I asked for a refund due to the recent announcement from the current administration for student debt relief. 

The EdFinancial representative noted that this refund can take anywhere from 150 days to 170 just for EdFinancial to process the request which is alarming as I have heard other loan service providers have given ~1-3 months process time and the student debt payments resume XX/XX/XXXX. Further, I was told I would not be getting a confirmation that my refund request has been processed and have no way of knowing if my refund will be processed in time to apply for loan forgiveness. 

Attached payment remittance of $ XXXX that includes my account #.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Pono Ventures Inc.
State: HI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Harassment at my workplace ' telling my employer it 's a urgent matter. Collector come to my place of work. Not introducing who they are and who they work for. Leaving a phone number to call immediately. They said they work for XXXX XXXX court and court Summons me. Telling me that ' they will come to my house so I can receive the court letter. And no one will be able to receive it but me.This is the first time they had contact with me and a lot of harassment happen. I almost got fired my work. 
First contact XXXX haole lady went to my workplace in the morning Second contact XXXX/XXXX/XXXX a man pretending to work for state court XXXX pm Third contact XXXX/XXXX/XXXX harassing me to pay the debt ' without me looking to such matter. 
Too much for one day '

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: PA
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'm trying to get a mortgage loan with FHA. The seller provided us with a mortgage servicer that told me to boost credit score with a XXXX account. I did, I got a XXXX XXXX XXXX, low amount. Bought, item around {$60.00}, as advised. Paid half of billing. We were approved for loan. Other delays came into factor, needed new well. As time went on, I forgot to pay off balance of {$9.00} dollars to XXXX. My credit score immediately showed up as dropping. Due to XXXX reporting it asap. Now, They don't want to approve loan.

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 2017-08-28
Company: JPMORGAN CHASE & CO.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On X/XX/2017 I authorized a funds transfer to another bank. That evening I received a phone call at a number that I never had given to the Chase Bank, NA. They mentioned the amount of the transfer and then tried to get me to register my phone with them by sending a code. I had no reason other than their possession of this one piece of information to believe that they were legitimate representatives of Chase Bank. I hung up and soon thereafter called Chase Bank at the number on the back of my debit card. 

I was informed that the transfer had been canceled and I should talk with their fraud prevention dept. This department insisted that I was not who I said I was and that they had also frozen my account and access to their website. I spoke with XXXX among others. They said in order to prove who I am, I would have to go to a Chase Bank and show two forms of ID. I told them their was no bank near my home and asked them if their was a bank close. They asked my address and then hung. This happened three times. I am ill and have a limited ability to travel 100 miles to another state to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CITIBANK, N.A.
State: MA
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:
Creditor keeps reporting late payments on my credit report for XXXX and XXXX of 2020 even though they have been deleted from my account on XX/XX/XXXX. 
Bureaus do not have corrected information about deleted late payments. 
Creditor is saying that they have notified the bureaus to delete those late payments twice, but bureaus are stating that they have not received anything. 
Disputes with bureaus did not bring any results. 
I am asking you to get involved.

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 2022-08-31
Company: Netspend Corporation
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22 a charge was made to my netspend card without my authorization. It was a case of credit card fraud. Tha amount was {$77.00}. I explained to the card provider that I did not authorize this charge. They have since said that they have investigated, and the charge is valid. It is not. They have sent me a letter stating that they can provide me with documentation proving the validity of the charge. I have requested this information XXXX  weeks ago and they have not mailed me any such proof. As a matter of fact, no such proof can exist. Again, the charge is fraudulent. I would like Netspent to refund my money plus the cost of my time and energy chasing them for XXXX months about something that is their responsibility.

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 2022-10-03
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 fraud alerts or security freezes

Complaint:
Experian sent an alert showing that a new account was opened with my local credit union. I called the credit union, and they told me no such account was created. So, confused, I tried contacting Experian to see what information they were getting, and whether somebody else was trying to open an account in my name. 

Nothing in their robot phone tree addresses my issue, they refuse to redirect me to an operator, and their online system was non-functional. So now I have no idea who to contact or how to resolve the possibly-fraudulent alert.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi, This is for the Coinbase referral program where you can refer a person and as long as they buy {$100.00} in Bitcoin, Coinbase will give {$10.00} to both parties. 

I referred my spouse and she bought {$100.00} of BTC on XX/XX/2021. The total transaction was {$100.00} as {$2.00} was the Coinbase transaction fee. 

It has been 10 days and neither my or my spouse have received the {$10.00} in BTC. I reached out to Coinbase support and they said that their referral program is fully automated, please check their website XXXX XXXX  : XXXXXXXX  ) for their referral program rules and verify that all steps were done. 

I have completed all their requirements listed on their website and after reaching out to them, they kept repeating the same thing to me through email correspondence. At this time, there is no way for me to verify why I didn't receive the referral bonus and they refuse to provide any additional information about it. This is the same messaging I receive : " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible. 

A few of the more common reasons are that the account was created but not completed or verified, or that the account has not fully complete a purchase up to {$100.00} worth of digital currency. 

You can see more information on our referral program here : XXXX : XXXX '' I purchased the {$100.00} in bitcoin due to the referral bonus and based on the emails I've received, it seems like a giant scam & false advertising on how to receive {$10.00} in bitcoin  for both parties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MI
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:
It was made very clear by Congress that EQUIFAX assumed a grave responsibility in their role as a consumer reporting agency. I have been directly affected in a negative way by the actions they continually take that infringe on my rights as a federally protected consumer. 

EQUIFAX has created a consumer report on me without my express written consent. I have never given instructions for them to accept or to furnish any information about me at all. They have violated my consumer rights and my privacy with no permissible purpose. These practices are unfair and partial. 

There are fraudulent account numbers and fraudulent balances on this consumer report. I've spoken with agents of EQUIFAX demanding the removal of the information ; they've refused. 

Please assist me with getting this fraudulent information off this report that was created without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This complaint is to inform the CFPB that I am in receipt of the correspondence from Transunion in regards to the former complaint I submitted on XX/XX/2022. 
The companys reply is unresponsive to my request. 
I specifically requested proof of my consent in relations to the following accounts on my credit report ; XXXX XXXX XXXX Partial account number XXXX XXXX  XXXX XXXX  Partial account number XXXX XXXX Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial account number XXXX 15 U.S. Code section 6802 - Obligations with respect to disclosures of personal information A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party, any non-public personal information, unless such Financial institution provides or has provided to the Consumer. 

B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the Consumer is given an explanation of how the Consumer can exercise that nondisclosure option. 
Transunion has failed its legal responsibility to protect the my privacy by continually stalling to adhere to my request. 

The GLBA privacy rules, as enforced by the various regulators, generally require : Clear and conspicuous notice of the financial institutions information-sharing policies and practices, including what information it collects and with whom it shares the information. Covered institutions may use a model privacy form published by regulators as a safe harbor. The privacy notice must be provided when a customer relationship is established, and annually thereafter unless the financial institution does not engage in any sharing for which customers have the opportunity to opt out and there have been no changes in policy or practice since the previous privacy notice.4 Providing customers the right to opt out of having their nonpublic personal information shared with nonaffiliated third parties, subject to a number of significant exceptions, including for joint marketing, processing consumer transactions, and service providers. Financial institutions must process opt-outs within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: Morgan & Associates, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 an associate of Morgan & Associates violated my rights numerous of times. I was called and told I owed a debt when I told her I don't owe the debt she told me I did repeatedly over an over ( 15 U.S. Code 1692b ). And when I told her I didn't give her permission to contact me ( 15 U.S. Code 1692c ( a ) ) and that she was a third party she told me her company works for XXXX XXXX XXXX the original creditor which is misleading representations. She also threaten to file suite with her company 's lawyers ( 15 U.S. Code 1692d ( 1 ) which will harm my reputation for a debt that I believe isn't mines. and when I repeatedly told her she was violating my rights she would cut me off and raise her voice in a rude manner ( 15 U.S. Code 1692d ( 2 ) and then she hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

An identity theft report was filed with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Genesis FS Card Services, Inc.
State: CO
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:
I pay my " Milestone and Indigo Credit Cards '' on time every month. Now, they will not credit my account for 16 days even though the money was taken out of my bank account. So, by waiting 16 days they can charge over-limit fees and higher interest rates. When I pay my monthly bills I pay via computer. So, I know everything is instanteous. Is this some new scam to make more money from customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: WELLS FARGO & COMPANY
State: TN
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:
XXXX is extremely slow in updating files, they should be made updated once a week or sorry no can't post Like you they force people to use thier, words that are to their liking. We should be allowed to enter our own words no swearing Inquires should not cause your score to go, and late payment should not be on anyone 's any one 's report for more than 90 days The money industry with their superior like attitude over people could care. less When a person applies for a mortgage no more than a soft inquiry should be done first otherwise the scores drop XXXX points I have been told don't apply to more than one company when searching for a mortgage So when I don't like the first company I should not apply to anyone else oh well too bad suffer Case in point oh XX/XX/2022 I applied not the best home buying score was which was XXXX which was enough to work with the WellsFargo agent stated. The agent XXXX XXXX said I will get working on it now and will be back in touch in 24-48 hours. He failed to call I had to call him on Tuesday, and he ran two inquiries dropping my score back down to XXXX, he said your score is too low and can't help you, but you made it that way and what happened to Wednesday when you said I will start the paperwork, Tuesday he said sorry your score dropped can 't help I might ask for monitary compensation

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 2019-11-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Refuses to provide me the original creditor 's information, which supports that XXXX XXXX has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if XXXX does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against XXXX. XXXX   and Experian are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true

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 2022-03-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We try to submit a modification packet every month but the bank continues to decline by asking for a 6 months profit an loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to decline.

Company response to consumer: Closed with explanation