BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
-The first time my daughter contacted them was XX/XX/2022 to see about lowering her monthly. 
They said she was not eligible. She explained her cosigners myself and my husband were not able to help and she was having financial issues as well. She has 3 loans with Sallie Mae. She said she could continue paying one of the 3 but if they can lower the other 2 she was told try in XX/XX/2022. She called in XXXX informed them her rent went up and then they had myself and my husband on the line going over all our monthly expenses they said XXXX again. They said try again we informed them we were not able or my daughter to make the XXXX payments. The loans were not able to pay anything due to financial issues we were all having. They contacted my mother in law because we lived with her once a while ago and said to have us call they could help. Tried again in XX/XX/2022 went through the process they said no again. We are trying to work out payments that my daughter or we can afford. She has with the XXXX loans from Sallie Mae, XXXX with XXXX school loan and her federal loans totaling {$90000.00} in school debt. She lives on her own in NY and pays rent, food, medical bills, car and she is up to date on her XXXX Sallie Mae loan, her XXXX loan just these 2 payments that are hard for her and us to make. We do not own a home and live paycheck to paycheck. I explained any help in lowering the payment would help but they said they can not help. 
One of the loans that we asked is now been given to Collections. So, I just do not understand how they would want that instead of trying to help work out a payment that would help us and also pay them. All of our credit is being affected. I had a loan myself with Sallie Mae and in the past I would call and ask for help and they always worked out a plan. I feel they have not in any way tried to help. If you can help us in any way it would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX/XXXX/XXXX, I made a wire transfer in the amount of {$1800.00} to Coinbase, Inc. ( XXXX ). This money is supposed to show up in my account, at most, one business day after being sent. Today is XX/XX/XXXX and it has yet to show up in my account. I have called Coinbase 's customer support line eight times and every single time the automated message said that they were experiencing heavy traffic and then hangs up. I sent 4 e-mails to them as well, but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by a minister XXXX XXXX and accused of having a balance owed to Wachovia Bank he said that it went into collection in XXXX. I suspected that this was inaccurate because I had paid off that's previous to XXXX in order to purchase a home. I researched online and find the number to call Wells Fargo for all Wachovia that's when I call the representative and gave my social security number they were not able to find anything in their data base connected to my social and no accounts connected to my name. The phone number that was left on my answering machine wasXXXX. Based on the information given to me by The Wells Fargo Bank representative this was a fraudulent call please investigate this claim thank  you. 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 2022-09-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Had a 24 month interest fee loan. 

Synchrony Bank Account # XXXX It expired end of XXXX without notification.I tried to call them when I received invoice in XXXX. 
they added on a card security fee which we did not approve of XXXX a month total {$4000.00} also they added back the interest for the 2 years of XXXX. 

When we got the notice we sent the total amount owed of {$12000.00}. 
I did this to avoid any additional issues but they still owe me back the {$4000.00} which they took without approval. 

I ve tried several times to discuss with getting to the approbate channels.

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 2020-04-26
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I am in the middle of getting a home loan to buy my first house. After getting my three credit reports I see that bankruptcy is on there. I reached out to the bureaus and the bureaus got the information from XXXX XXXX. After speaking with XXXX XXXX my information was combined with someone else. This company continue to say verified as accurate. And thats false

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: OK
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:
In XX/XX/2022 my two federal student loans transferred from XXXX XXXX to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to XXXX on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through XXXX ( via XXXX XXXX XXXX and Equifax through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to TransUnion disputing inaccurate and invalid accounts on my credit file. TransUnion received the letter on XXXX XXXX, XXXXWithin 30 days I received a letter from TransUnion saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to TransUnion asking for method of verification and proof of verification. TransUnion received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from TransUnion stating the exact same thing as the first letter. The letter said the accounts have been verified. TransUnion did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to TransUnion asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from TransUnion stating again that the accounts have been verified. How can TransUnion say that they verified an account and not provide information on how the accounts was verified? How can TransUnion be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with TransUnion can report inaccurate information onto your credit file without proper verification as long as they are paying TransUnion. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Thank You

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 2020-04-09
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2020 This is to inform you that I've recently pulled my credit report and noticed that there's a collection listing from your agency on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. 
I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. 
I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. 
Sincerely, XXXX XXXX XXXX As of XX/XX/2020 The creditor and/or XXXX  has not been able to prove or show any evidence of any charges being made in my name. We have sent in numerous requests to ask for any documentation that you may have, and have yet to see anything. We demand that you remove these charges immediately! The next step will be to take legal action against the Creditor as well as " RM GALICIA/PROG MGMT SYSTEMS '' that has not responded or shown any proof at all! Please attach or send copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with XXXX Mortgage a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that XXXX Mortgage has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by XXXX, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with Experian and XXXX, however today I have been informed by XXXX that they can not do anything which I have attached, then I called back XXXX and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.

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 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I went to Bank of America to cash a check. 
Which is a check issued by the CLERK OR THE SUPERIOR COURT XXXX TRUSTEE ACCOUNT. in the amount of {$10000.00} The check was issued in my name XXXX XXXX on XX/XX/2016 at around XXXX. 
I was told to wait 3 hours to cash the check at any Bank of America. 
I went to BOA at # XXXX XXXX XXXX, XXXX, CT XXXX Telephone number XXXX A person by the name of XXXX ( I believe ) told me they did not have that much money. I asked when I could cash it then and he told me it takes 2 to 3 business days for a check like this to be cashed. 
However, I was told that I could open an account and deposit the check in the account!!! 
1 ) What upset me the most was the rude answer from this person XXXX or whatever his name was. I could probably have agreed if I had been treated better, but the disrespect, the lack of explanation, and telling me that I can not cash a check and have to wait 2-3 days for them to have this amount of money together!?!? 
That is disrespectful and offensive. Now tomorrow I have to come late to work because some employee did not want to do his job.

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 want to start by saying thank you for looking at the items I sent in for investigation to TransUnion, XXXX, XXXX   and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX XXXX  of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX XXXX   Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed 3 difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing 3 different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are 3 different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, US BK CT-XXXX   XXXX XXXX, and Federal, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report. 

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information.

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that TransUnion, XXXX, and XXXX  all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.

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 2022-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX I was late paying my capital one bill and was charged a XXXX late fee, which I was fine with. I paid on XXXX the XXXX payment. Then, on XXXX I paid the balance in full of XXXX. That same day, XXXX, they charged me interest of XXXX for a balance that was paid in full that morning. I called capital one and wanted them to remove the interest balance of XXXX but, they said that they would not remove the balance. So, on XXXX I paid the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the Covid-19 I have not worked in over a month. I filed with chase for relief I am officially late 1 month. I paid on line they only took the principle & interest. I thought I was all set but today XX/XX/20 I received 2 Certified letters demanding {$2700.00} or they are going to move toward foreclosure. When I went to the website last week to pay $ 1400.00+ it would not allow me to do so, it would only allow me to pay the full amount. It then took the principle & interest, even though I attempted to pay more, I called Chase to deal with this several weeks ago and was put on hold for 3.5 hours then for no reason I was cut off. I reached out to a friend who sent me the link for relief. I filed it but that didn't seem to matter. 


I was under the understanding the federal Govt created some protections but apparently not. If they did it didn't stop Chase from sending these certified letters threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I went to XXXX XXXX XXXX to purchase a truck per their advertisement of great deals. My wife and I drove from XXXX XXXX XXXX. When we got their we met with salesman XXXX. We chatted and then he showed me a vehicles ( trucks but then ultimately the XXXX XXXX ). He pulled credit and said that the only way we could trade in my Truck is to trade in my wifes XXXX XXXX as well ( now I am realizing very high sales and pressure tactics ). Well we did and walked about with XXXX XXXX XXXX XXXX. I could not get funded immediately and was given the run around for two months. All the while they are telling me that all is ok. XX/XX/XXXX is when we purchased the vehicles. I kept calling and calling weekly and daily to find out what's going on and if I am approved. It was not till about XXXX or XXXX that I get a bill from Santander Consumer USA stating that I owe them 2 months. I immediately called and spoke with Santander agents and was given the attitude of like " oh well who cares now pay your bill. The bill was XXXX a month and I could not afford that. Long story short they repossessed the vehicle in early XXXX. The whole thing from beginning was unethical and unfair leading ultimately to a repossession in which Santander knew it would happen. Now as you are aware that Santander is in a class action lawsuit in which I KNOW i am a victim of their unethical business practices. I was advised to call my local Attorney Generals office to see if I am on the " list '' of people whom the loan would be bought back if it was repossessed. I did and the Attorney General just referred me back to the multi state website and to monitor it daily. I am getting the run around as usual from Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I was researching options to open a new credit line for my business XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was shown a sponsored XXXX advertisement for a Capital One Credit Card ( who I have been a customer with for XXXX years ). 

I did not realize after applying that it was having me open a nearly identical card ( XXXX XXXX ) to the XXXX I have ( XXXX XXXX XXXX  ) -- I thought I was just raising the credit limit on my XXXX XXXX XXXX. 

I do not need or want the " XXXX XXXX '' because the card features are not useful to me or my business. 

I called into Capital One and talked with a representative right after the card was opened and I realized this -- they told me the application department would be able to fix it, but they were closed ( since it was a XXXX ). 

I was also, told by another representative to apply for another card ( " XXXX XXXX '' which I did ... and was then declined. ) The reason I was declined : The " XXXX XXXX '' card was still in processing even though I had been given confirmation it was approved -- so I was told wrong by a representative and now have a negative second hard pull on my credit -- which is totally not fair because it was an automatic reject and the representative gave me bad information. It is apparently a recorded line so it can be listened to again. 

I promptly called Capital One on XXXX  morning XX/XX/XXXX and after speaking XXXX representatives they told me they couldn't help -- my request was to simply switch the card type of " XXXX XXXX  '' account into a " XXXX XXXX  '' I feel misled as a consumer and Capital One did not adequately advertise their financial products. Furthermore, the representatives employed by Capital One gave me misinformation that was deleterious to my credit score.

Company response to consumer: Closed with explanation