BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX  not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX by there claim on XX/XX/XXXX in which my documents all show XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: AES/PHEAA
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:
FedLoan reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Been getting these texts almost daily regarding my BOA 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 2022-08-16
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX called direct sales at Fifth Third Bank to inquire how to get credit limit increase spoke with sales who instructed me to go inside bank to fill application. Decided to check XXXX after specifically going to bank to make withdraw ; later that day discovered someone submitted an inquiry from Fifth Third Bank Location XXXX XXXX XXXXXXXX XXXX # XXXX XXXX Ohio XXXX telephone XXXX. Did not sign or verbally authorize bank employee to do so. 

I would like to thank you in advance for your cooperation in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Midwest Recovery Systems
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I keep getting repeated phone calls from Midwest Recovery Systems about a debt I know nothing about. They keep asking for identifiable information from me, such as my SSN, address, and birthdate. They are calling almost daily and have been for over two months. Yet they refuse to disclose to whom thus debt is owed or in what amount. I have requested a validation letter, to no avail. We have spoken with supervisors with no help. When they call, the number comes up as a WV number, but when an online search is conducted, it shows they are located in Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Nationwide Doc Prep Inc
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was looking to consolidate my loans, and I found a company 's number that I thought was related to my loan servicer XXXX XXXX. The company promised that if I paid {$400.00} to have my loans consolidated than I would n't have interest for three years and after this three years, the government would subsidize half of the interest amount. I spoke with three different people from this company ( Nationwide Document Preparation ) and they all confirmed this. I inquired why consolidating cost this much money, because I usually thought it was free, and all three employees insisted this {$400.00} was to ensure that I would n't have interest for the first three years after consolidation. They knew my income and also assured me that with these interest-free years, they advise people making a certain amount of money to try and pay off the loans in their entirety during this time to avoid paying any interest later. Conversations with this company began mid-XX/XX/XXXX. I have an email from XX/XX/XXXX where I gave Nationwide my pay stubs and other information in order to fill out these forms. Once my loans were consolidated and transferred to XXXX, I noticed interest building and became concerned. I tried to call Nationwide Document Preparation and all of their phone lines had become disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied for credit ( car loan ) with XXXX XXXX on XX/XX/XXXX, 2017. I received notification in the mail that their credit decision was,  in part, due to information received from SageStream LLC. I monitor my credit score with the known credit reporting agency XXXX and XXXX. I have never heard of SageStream and am not comfortable with providing my personal information such as a copy of my driver 's license and social security card to obtain my credit report from them. Is this a known, reputable company? How can a company just appear out of nowhere and be a credit reporting agency and have access to such personal information? What makes me really concerned is that the letter also said key factors that adversely affected my credit score from this particular agency is limited history for consumer at address. I have lived at the same address for XXXX years and if this was a legitimate company, I would expect them to know that. Please investigate this company as something seems wrong.

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 2022-08-16
Company: Army and Air Force Exchange Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After filing a recent tax return, the day before my refund was deposited I recieved a letter stating my refund was intercepted to pay a collection from AAFES. After downloading my IRS transcripts from XXXX XXXX XXXX I noticed every single refund was intercepted. I contacted XXXX which was the third party collection agency and was informed AAFES had been intercepting my refunds and I still had a balance of XXXX as of XX/XX/XXXX. The rep on the phone said notice was sent to the address they had on file and I informed I had a new residence and updated my mailing address. On XX/XX/XXXX I recieved my XXXX  file in the mail. This file is incomplete, contradicting and full of errors. Returned Check Fees, Interest and civil recovery charges, plus transactions stating I wrote a check to AAFES for XXXX dollars and another check for XXXX dollars. Copies of those checks are not in the file. The 3 copies of checks in my file are for different amounts and are not in the transaction statement. I see credits to the balance but then 10 dats later those credits were reversed. with no justification. copies of the checks also have XXXX XXXX  checks but on the back the account says XXXX XXXX XXXX. NSF should be stamped on the checks but not. Im a victim of Identity Theft. The funny thing is AAFES and XXXX ar nowhere to be found on my credit report. Im being robbed.

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 2022-08-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since the pandemic, I am a XXXX veteran, I have communicated the struggles of making. I have tried several times to communicate with Carrington Mortgage with completing a Mortgage Assistance Application a few times. There have been several incidents, miscommunications, inaccurate information that has been given to me. Recently, I received an email showing my Mortgage Assistance is with the underwriting team, however, my mortgage shows it is in Default. When I try to ask about my mortgage, I told the letters for foreclosure were a mistake that was sent out but nothing is correct on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Didn't receive services that were advertised

Complaint:
I have subscribed to TransUnion credit monitoring for many years now and they provide dismal, substandard service. Today I successfully logged in and attempted to refresh my credit report as it was already two weeks old. After clicking on " submit '' the system just continued spinning for over 1/2 hour and ultimately did not update my report. I contacted TransUnion support online and they were unable to help. I tried using multiple browsers on multiple computers and all failed. 

I then called TransUnion support by phone. I answered all the security questions 100 % accurately, but their phone hung up. I called again and answered every security question with 100 % accuracy and when I reached the representative they said my account was suspended because I did not answer the phone prompt security questions correctly. They gave me a special password and said they unlocked my account, but their special password does not work and the account still remains locked/ frozen. 

I am XXXX XXXX XXXX XXXXXXXX and do not have time to call and wait for these incompetent people to do their job and fix their incompetency. 

They need to fix my account right away and since I am unable to use it, refund all or a portion of this months charges.

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 2017-08-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last 4 of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Credit reporting  agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I recently joined a Coinbase program called XXXX, for XXXX XXXX XXXX. I joined this program based on the recommendation of XXXX XXXX XXXX, an expert in this field and a corporate officer if Coinbase. I am an account holder and stockholder of Coinbase. 

I was advised to reserve some special programming ( a bot ) to move from one level to the next within the XXXX. I had done so on two previous occasions. At the time of this writing I have approximately {$63000.00} invested in the XXXX XXXX tier of this program. 

I was further advised that the higher level of investment, the longer the lead time required to secure this bot. I gave myself two weeks. 

Two unfortunate things happened : 1. The bot was expected to arrive within days, not weeks as was previously advised by XXXX XXXX. 
2. The funding I expected was no longer available. 

I immediately moved to cancel the reservation. Only then was I informed that was not possible. I was advised that the smart contract for the software was non-cancelable. After some text exchanges with the parties involved, Customer Service and XXXX XXXX herself, I was then informed if I could not produce the funding for the next tier, XXXX to XXXX, I would be considered in breach of contract. 

At that time I asked for a copy of this contract to which they referred. I have since discovered this agreement I was supposed to have violated has never been published, much les referred to. 

The threatened penalty could be {$7500.00}. I was never informed this was even possible. Coinbase allowed me to make this reservation knowing I did not have the capital at the time of making the reservation, No disclosure, no prior notice, nothing. 

Coinbase refuses any compromise, and XXXX XXXX has referred to me in extremly unflattering terms. 

Please advice possible protections and courses of action available to me. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: VA
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:
What didn't you removed the hard inquiry despite the letters issued by XXXX XXXX  dated XX/XX/XXXX and XX/XX/2019, to you to remove the hard inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Unbelievable- they send me a letter telling me they correct their error because the address was right for years then they made the error- Ok then they send me a notification at the correct address stating that change was made- one would think mission accomplished. Not with them. Today a letter at the wrong address telling me - get this- they corrected the address? Who is handling my information some off shore entity that does NOT comprehend English? We have undergone severe financial impact and hey can not get it right yet!

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 2017-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX of 2017 an interior appraisal was completed by Bank of America. The market value for his property was set at {$470000.00}. we dispute the value for the following reasons : 1. Value was completed as a 2 family dwelling and this property is a 1.5 family dwelling as per the XXXX XXXX XXXX XXXX 2. The comparables used for the appraisal were properties fully renovated and the subject property presents major issues 3. property has MOLD 4. Property has a distressed foundation 5. Water damage 6. electrical and plumbing systems are outdated

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 2020-10-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with Chase, who has an Overdraft Policy available noting that they charge an overdraft fee of {$34.00} when an account is overdrawn by more than {$5.00} ( see attached ). On more than one occasion, I have overdrawn my account by less than {$5.00}, but was still charged a {$34.00} overdraft fee. Recently, my account was overdrawn by {$4.00} but was still charged an overdraft fee. I used Chase 's messaging feature to ask that the charge be reversed and they responded that they charge based on whether the account is overdrawn by less than {$5.00} at the end of the business day ( attached ). 

However, at the end of the day on XX/XX/2020, by account balance was - {$4.00} ( under the - {$5.00} threshold ). Only the next day did charges appear that were suddenly listed as having been charged the previous day when it was not when I checked that evening. 

I am concerned, as I have expressed to Chase before, that my transactions are being re-ordered to incur more fees which is extremely unethical and takes advantage of low balance customers. 

I would also like to note that {$34.00} is an EXTREMELY high amount to charge for an overdraft even in the best of times. To charge such an exorbitant amount per overdraft up to {$100.00} PER DAY seems to prey on low balance ( and perhaps low income ) customers. As a very large Bank that caters to the individual consumer market, these fees could use some looking into by the appropriate governing body. Personally, by my quick count, I have been charged {$780.00} worth of overdraft fees since the beginning of the year, and that is even after some were reversed at my request ( which I do appreciate! ). Especially considering the global pandemic, it is a shame that these large consumer banks show no concern for throwing fees at the low balance customers that can least afford it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get assistance with Citi Mortgage for 3 years now. When my hardship started my daughter was a XXXX. Now she is going to be XXXX. There has been a lot of time wasted and no solutions. My case was unjustly closed twice due to missing documents, they had those documents on file and they had me re apply again wasting more time. I am attaching my letter explaining more, and my authorized third party provided me with their notes with names, dates and ID numbers. I just want a fair review and i want to start paying my home again with an affordable mortgage payment.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2017-08-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I received my first phone call from XXXX XXXX XXXX from XXXX XXXX, claiming to be an attorney threatening me that he was going to have me served at my work that day with a lawsuit against me. Told me that of I did n't pay, he would have me served in front of all of my co-workers. He also threatened me by saying that he sees we just bought a house, and rattled off some date and price of the home for what and when we bought it that was incorrect and told me they were going to put a lean on my home. He has called every day since, at my work number. Today, on XX/XX/XXXX, he spoke directly to one of my co-workers yelling at her and demanding to know my direct supervisors name, and she, not knowing who this person was, gave him my supervisors name, because again, he told her he was an attorney. He told her that he was with the district court of XXXX XXXX BUT on the paperwork I asked him to email me so I knew what this was in regards to, he is listed as just a litigation officer ( basically, an employee at this company ). I have NO idea what this debt collection is for as I have never had a MC with XXXX XXXX. I have included the paperwork he sent me via email.

Company response to consumer: Closed with explanation