BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed the information with the company more than once. They pass it off to the original company and let the original company do their own " investigation '' they always come back with everything is right. They could not prove the debt in court and lost the case and I have the court papers for no judgement plus in my credit report that I have desputed I stated that the supposed original company closed the account on XX/XX/2013 and that XXXX was opened in XX/XX/2013. That is fraudulent reporting! I have said this to equifax and XXXX. For them to not investigate and pass it off and not take it off my report and just keep allowing the company to keep reporting this false information is illegal. I have also reported this to the attorney general. This is not right, for a junk debt collector to be allowed to do such a thing and what is worse that equifax and XXXX allow it. The credit reporting companies do n't attempt to investigate what is reported to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Square Inc
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Ive been scammed through this thing called covid health care program. I was XXXX and gave them my bank information and sent money through cash app. I also gave my social security number. I want my money back and I dont know if Ill get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander Consumer USA is charging me more interest and fees than what was disclosed in the contract. This is a breach of contract and several violations under the truth & lending laws under State and Federal. They are also charging me add on fees and late fees that were n't disclosed. I also called the about my payment being late and I was told they would let me skip XXXX payments and just add it to the end of my contract but instead to this day XXXX/XXXX/2016 it 's showing I am behind {$1200.00}. Also I wanted to payoff the loan which the payoff should be around {$17000.00} but Santander is telling me the payoff is {$20000.00} which is another violation in the truth and lending. How can Santander USA get away with all the crooked Business they are doing??? I have read over XXXX complaints about this Business Please CFPB do something. I might just find a Class Action Lawyer to go after them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am trying to request my annual free credit report from the telephone number provided for Equifax and am finding it impossible. The options provided do not allow me to request a written copy of my credit report that I am entitled to. They want me to sign up online for some Equifax membership that I do not want. It is designed to flout consumer intent and is manifestly bad business. I am glad they got sued and hope they do in the future. Perhaps they will be forced to operate more transparently or even go bankrupt. We can hope and wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Mr XXXX XXXX XXXX Dear ladies and gentlemen I have been receiving cryptocurrency to my coinbase account for 2 years. 
XXXX my account has been blocked. I contacted support XXXX Case # XXXX. I described my problem to him. And now my money has been blocked for a mo

nth. Technical support is not responding to my messages. I had about {$6000.00} on my account. commerce.coinbase.com

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX XXXX XXXX XXXX filed a complaint with Chex Systems Inc. which resulted in a joint account of XXXX XXXX & XXXX XXXX was closed without notice. My personal account at XXXX was closed also. We were told to contact XXXX and Chex Systems to find out why. At the time the XXXX account had several hundred dollars and my XXXX account had over {$9000.00} all of which was refunded to us. These accounts were in XXXX, Ca. I have not been able to open a bank account since which is an extreme hardship. 
In XX/XX/XXXX, I wrote Chex Systems a letter to have the negative information removed but they refused stating XXXX would not withdraw the complaint. I need to open a bank account now as I have accepted a job in XXXX, Ca. but am unable to open an account which I need for auto-deposit payroll as well as my Social Security! I recently wrote Chex Systems a letter to again request removal of this negative information. I do not believe I should be banned from having a bank account for unknown reasons and have no way to have bad or fraudulent info removed from my credit history! 
Thank-you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that XXXX is not able to obtain. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.

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 2015-09-02
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX, I made my final payment to Santander Consumer USA for my vehicle. In spite of bankruptcy, I paid every payment due Santander Consumer USA and they kept the title to the car. I have not been able to get the title to the car. When I called inquiring about the title, XXXX representative said my title was mailed ; however, it was mailed to the wrong address. I was offered a " lien release '' letter instead. I have had the same address from the signing of the contract in XXXX. The representative could not explain why all of a sudden they had an incorrect address. 
My daughter called me and I told her what happened. She told me to call back and ask for a manager. We spoke to a second representative who initially said the car was paid off in XXXX and the title was mailed at that time. Upon insisting that the information she had was wrong, she finally said that the title was sent via XXXX. We then asked about a tracking number. She informed us that there was no tracking number. We asked for a manager. She said that she would see if XXXX was available, and if not, we could leave a message. We then asked how long would we expect to wait prior to receiving a return phone call. She said they were not legally able to make phone calls. 
In conclusion, I was told that 1 ) my title was mailed to the wrong address, 2 ) the title was mailed in XXXX, 3 ) the title was sent via XXXX, but there is no tracking number. It took several tries on the phone to get to a customer service representative, then I was given conflicting information ; and most importantly, I still do n't have my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have been contacting Coinbase for 3 months now and they never get back to me. Ive tried emailing them from multiple accounts like Coinbase Pro and regular coinbase and they always say they are going to get back to me, but they dont. They merged my email outreaches and they still have not gotten back to me. This is fraud as they have kept my money and not given it to me. 

I have not been able to withdraw my money from my account. It says withdrawal pending and ETH network blocked for months and I never got the money. I am upset and want the money I earned back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citimortgage charged me with fees related to foreclosure while I was in a chapter XXXX bankruptcy. These fees were not approved by the bankruptcy court. Also the attempts at foreclosure occurred while I was under the protection of the SCRA, while XXXX with the XXXX in XX/XX/XXXX-XX/XX/XXXX. My chapter XXXX was discharged in XX/XX/XXXX, and all debts that were approved by the court were paid. Despite my discharge, Citimortgage has refused to remove the fees. I am preparing to refinance and the fees will have to be paid before I close.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with CITI Mortgage for years to save my home. 
Everything they have requested of me I have done. 
I sent in all requested documents and found that the person assigned was no longer with the company. No one could find his files and I have had to start over, over and over. 
They sent me a summons and complaint I answered and their lawyer rejected and wrote in a marker over my submission to the Court on my behalf. 
I tried to talk with CITI and no one knows what is going on in my 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 2015-09-30
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
There is a loan on my credit report for Speedy Cash and a duplicate for XXXX XXXX for the same debt. 

I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. 

I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. 

I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. 

My identity was compromised during an employment layoff in 2009 by the State of Texas XXXX XXXX and this is the only way they could have gotten my information. 

I have contacted the credit bureau more than XXXX times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Bay Area Receivables, Inc
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/17 and XX/XX/2017 contact was made with XXXX at Bay Area Receivables regarding incorrect information that was reported to all three credit bureaus regarding a debit I do not own nor is even affiliated with my name. I spoke with XXXX at Bay Area Receivables and requested a letter to provide to XXXX to document information on my credit report filled by Bay Area Receivables is incorrect and that I am not affiliated with the account nor name that was submitted to all three credit reports by Bay Area Receivables. Sue, in the special sevice department at XXXX stated I needed the letter along with the dispute to have the information removed. I was told, per XXXX, that " XXXX '' the owner of Bay Area Receivables would not provide me with a letter nor would she. Bay Area Receivables reported a debit to all three credit bureaus that show an alias name on my credit report along with a debit owed by another individual. I was told by XXXX I needed a letter from Bay Area Receivables to file my dispute for the alias name that does n't belong to me along with the debit not belonging to me. I have also contacted the original creditor and told by " XXXX '' collections department at XXXX XXXX XXXX that I could not receive a letter regarding the fact that I do not owe money and am no affiliated with this alias on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
it was about my business and i was using to pay my bills and try many time to remove the from my credit .i am not able to refinance my home because of the credit score and it effect my whole life because my wife lost her to jobs with a family of 5 peapole i am not able to make a payment,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: EQUIFAX, INC.
State: IL
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:
I believe XXXX XXXX along with XXXX, XXXX XXXX and Equifax has shared my personal information with XXXX XXXX XXXX After I purchased the car from XXXX XXXX I was immediately contacted by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I believe XXXX XXXX along with XXXX, Trans Union and XXXX has shared my personal information with XXXX XXXX XXXX. After I purchased the car from XXXX XXXX I was immediately contacted by 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 2016-07-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
My account with Walmart was purchased by another company and I paid the account to that company and Walmart has not contacted the Credit Bureaus to state that this account is paid. I would like this information updated asap.

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 2019-05-28
Company: Navient Solutions, LLC.
State: OH
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:
I have been trying to pay my loan in advance. But each time I make a payment, the next due date does not advance. After complaining here, one of my lenders Consumer Advocates assured me that he would manually change the due date whenever I made a payment. That isn't happening, moreover, he appears to be no longer employed by Navient. My email to him bounced and the extension is no longer valid. When I tried to call the consumer advocate office, after being on hold for 10 minutes, I was told to leave a message and they would return my call in 48 hours ( an unacceptable delay ).

This issue has been going on for over a year. My account is set up to have payments apply to the next due date -- and it doesn't happen. Each time I make a payment, I have had to spend close to an hour to get the payment due date moved forward. This is unacceptable.

I should also note that the response Navient has provided to the CFPB is false. Previously, the reason these payments aren't applied to the next due date is because I have a consolidation loan with both subsidized and unsubsidized federal loans and they can't apply a payment to one without the other. But I have my payments set to apply to both on the same prorated basis as there would be for any normal monthly payment.

I can not be the only Navient borrower who wants to pay in advance. For several years, this wasn't an issue ; but only became one about 18 months ago. Suddenly, they are " unable '' to apply payments to future due dates. I am sure this is in the hopes they can hit these borrowers with late payment fees and the like even though we have paid in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
According to the Fair Credit Reporting Act, these companies are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes and they should be removing these items from my report immediately. They have also failed to recognize that only I, the original creditor, can verify. They have violated 15 USC 1681 ( a ) ( 3 ) ( A ) under the exclusion section by including my medical information on my report. Please resolve this matter quickly. I have been denied many forms of credit because these companies are not following the laws that are in place for the consumer. 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 2021-08-07
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis is violating my consumer rights.I do not recongize this public account I went up to the court to ask them have they furnished any of my private information to any consumer reporting agency they told me that they have not. I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 US COde 1681b ( 2 ) This company also had no permissible purpose to furnish this information on my consumer report and i want them to follow FCRA 15 US CODE 1681i delete this account from their records and let all other agencies they sold this information to, that they need to delete it as well..This fasley validated information is hindering my consumer report and causing me adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Approximately XX/XX/XXXX my son attended XXXX XXXX College. One of his loans which was a private loan through XXXX XXXX was in my name. Payments were automatically withdrawn from my account on a monthly basis. In XX/XX/XXXXI went online to check the balance of the loan and could n't sign on so I called XXXX XXXX and it was at that time I found out that my loan had been taken over by a company called Navient. I called and spoke to several representatives trying to get information about my loan but no one was able to help me. I asked to speak to a manager and was told that there was no manager, this was on XX/XX/XXXX I made five calls to Navient with negative results. I stopped the automatic payments thinking that if they did n't get my monthly payment that maybe they would call me, but I have n't heard from them and they have n't asked for any payments. I find that really strange however they ( Naivent )  were automatically deducting my money on a regular monthly basis and when I started asking about my balance they could n't or refused to give me information. I would like to know if Navient owes me any back pay or if I still owe on this student loan. Thank you

Company response to consumer: Closed with explanation