BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-20
Company: AES/PHEAA
State: LA
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:
XXXX XXXX did not apply my Income Driven Repayment recertification to all of my loans serviced by the company, after it was submitted on time. Some loans were reverted to a traditional payment plan. After speaking to two different customer service representatives, I spoke with a manager who admitted that there was an error in processing my loans, but the company refuses to rectify the posted traditional payment plan amount ( {$1000.00} ) and has instead labeled all of my loans as " Delinquent ''. 

On XX/XX/XXXX I submitted my Income Driven Repayment annual recertification. 

On XX/XX/XXXX unconsolidated ( Stafford ) loans were transferred to XXXX XXXX according to records from another loan servicer. These loans were on Income Driven Repayment plans. 

On XX/XX/XXXX my IDR request was approved by XXXX XXXX. 

On XX/XX/XXXX, noticing issues with unconsolidated loans billing me under the traditional payment plan, I contacted the company. Told that there was an issue with my payment plan paperwork. Told that my loans were placed in forbearance while this is rectified. As requested, I resubmitted my IDR recertification request to XXXX XXXX that I had originally submitted on XX/XX/XXXX. 

On XX/XX/XXXX, noticing that {$1000.00} was withdrawn by XXXX XXXX from my checking account, causing most of my household bill payments to " bounce '' for insufficient funds, I again contacted the company. I spoke to customer servicer agent # XXXX and was told that no forbearance was applied to my account, that I had no Income Driven Repayment recertification on record and that I XXXX XXXX could not reverse the transfer. I requested to speak to a manager and was transferred to manager # XXXX. The manager admitted that my IDR request was not processed correctly and she resubmitted my IDR request on all of the loans serviced by XXXX XXXX. The manager refused to make my payment plan retroactive to XX/XX/XXXX, when my original IDR recertification was accepted by XXXX XXXX. I was told that although XXXX XXXX made an error, I was responsible for the outstanding amount of {$1000.00} that XXXX XXXX withdrew from my account.

I submitted a transaction dispute to my bank ( XXXX XXXX ) and on XXXX/XXXX/XXXX, the bank finalized the reversal of the transaction in my favor. 

I submitted a complaint to the Federal Student Loan Ombudsman ( US Dept of Education ) about not being able to resolve this issue with XXXX XXXX, and received a reply on XX/XX/XXXX that the office " is not taking action on this matter. '' The Ombudsman directed me to lodge a complaint to the FSA Feedback System ( US Dept of Education ). 

On XX/XX/XXXX, after reviewing my dispute, I submitted a complaint to the FSA Feedback System. I am awaiting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX a loan was obtained from Toyota Financial Services for a XXXX Toyota XXXX XXXX. On XX/XX/XXXX, a notice of acceptance, along with the XXXX XXXX XXXX XXXX for final settlement and discharge of the debt in the amount of {$46000.00} was sent to Toyota Financial Services Attn : loan department, Registered Mail with return receipt.There was no response from the company. On XX/XX/XXXX, a notice of default and opportunity to cure was mailed to Toyota Financial Services attn : loan Department and got delayed by the USPS. On XX/XX/XXXX, copies of the first ( 1st ) and second ( 2nd ) mailings was sent to the CEO of Toyota Motors XXXX XXXX and copies of the same mailings was sent to Toyota Financial Services attn : loan department. With no response. On XX/XX/XXXX, another notice of Fault and Opportunity to Cure was sent to the CEO of Toyota Motors XXXX XXXX. No response. On XX/XX/XXXX, another notice of Fault and Opportunity to Cure was sent to Toyota Financial Services, attn : Loan Department. No response. On XX/XX/XXXX a notice of Default was sent to Toyota Financial Services. No response. Toyota Financial Services along with CEO of Toyota Motors XXXX XXXX have accepted my Instrument, never returned it and using it to trade. I have obtained the CUSIP NO : from the account. I signed the original contract, without recourse. Toyota Financial Services, along with the CEO of Toyota Motors XXXX XXXX have not sent the Title to the XXXX Toyota XXXX Runner, they have not set the record straight with DMV, they have not settled this account, they have not discharged this debt and sent me the notification of the settled account. Toyota Financial Services have sent a delinquent report to the Credit Bureau harming my Credit Report and Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: RI
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2020-06-22
Company: SYNCHRONY FINANCIAL
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
My name is Ms XXXX XXXX XXXX and my number is XXXX. 



There are 10 transactions for {$190.00} each that was made on my account that needs to be investigated because I DO NOT know this individual. 

I have been trying to get in touch with someone through PayPal about these charges before they reached my bank. The transactions seem to appear after XXXX in the morning when I'm in bed. I did not lend out my debit card nor authorized ten ( 10 ) transactions back to back for the same amount. This is not anything that is normal on my account and I can not reach a live person for assistance. I have tried and still can not get anyone on the phone to handle this issue which began early Friday morning. 

This fraudulent activity could have been caught if someone was available to assist me at the time that I caught the transactions. I would like to have the individual charged for stealing from my account but I don't know where to start and that is why I'm here.

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 2022-05-03
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
Original loan was with XXXX  ( # XXXX ) and during covid-19 starting from XX/XX/XXXX we were on the Forbearance plan until XX/XX/XXXX XXXX during the Forbearance plan our payment to XXXX  for mortgage payment was paused and we were not to be reported to credit agencies as late payment or delinquent. It was a temporary pause on our monthly mortgage payment until XX/XX/XXXX. After the Forbearance plan had ended, we were told by XXXX to make 3 monthly payments and a loan modification will be completed to add the paused payments to the end of the current loan. 1st payment was paid on XX/XX/XXXX for XXXX payment, 2nd check paid on XX/XX/XXXX for XXXX payment, and after making the first 2 payments to XXXX we were informed that Shellpoint Mortgage Servicing company had taken over our Loan in XX/XX/XXXX and the 3rd payment should be paid to them. 3rd payment was paid to Shellpoint Mortgage company dated XX/XX/XXXX and was deposited by Shellpoint on XX/XX/XXXX. ( all 3 payments were paid for XXXX, XXXX, and XXXX prior to ending date ) all checks were deposited prior to check date ( Copies attached ). Numerous calls had been made to Shellpoint to clear false report to credit bureau but nothing was done causing us more stress. How can I be late 90+ days when all payments were made on time and according to our contract with XXXX when Shellpoint purchased our loan in XX/XX/XXXX! We were reported to credit agency as soon as they purchased our loan and by law they have to give us a 60 day grace period which was not provided. we have not been late in any payments before forbearance plan or after the forbearance plan had ended. Shellpoint has provided false information to credit bureau causing damage to our credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Wire transfer for {$310.00} XXXX has not arrived in my Coinbase account. 

I have an account with Coinbase and have verified my bank account through their process. On XXXX XXXX, 2017 I sent a wire transfer from my bank for {$310.00} to Coinbase with their reference number XXXX which should have taken only a few days to complete. This transfer has not made it to my XXXX wallet on Coinbase. I have contacted Coinbase using their support website and opened support ticket number XXXX. On XXXX XXXX, 2017, I called Coinbase customer support and talked to " XXXX '' who informed me he would escalate my issue. XXXX also told me since the wire transfer was old, my funds would probably be sent back to my bank account. This has not happened nor has the money appeared in my Coinbase wallet. I have continually reopened the same support ticket to request a resolution but still no resolution as of today, XXXX XXXX, 2017. I have attached a copy of the wire transfer from my bank to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: FORD MOTOR CREDIT CO.
State: WI
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:
I've been trying to resolve the issue with regards to my previous auto loan with Ford Motor Credit since XX/XX/XXXX. I've sent Ford Motor Credit letters and sent the CEO emails. I've sent proof of bankruptcy and subsequent discharge. I've sent them copy of court order. The issue is not resolved and it's clear that my consumer rights are being violated as well as the bankruptcy relief law. 
According to XXXX and XXXX, Ford keeps " updating '' this account that was XXXX through bankruptcy which is a direct violation of the bankruptcy relief law. With XXXX, they keep reopening this account. With XXXX they keep switching and changing how many payments were missed. According to the Bankruptcy Law, once a debt is XXXX in bankruptcy the debtor-creditor relationship is done. The company no longer has the right to pull credit, continue to add negative remarks on the account, or to report negative activity in any way to the credit bureaus. Furthermore, it is blatantly illegal to report the account as open, change missed payments negatively, or to report as a charge off AFTER the Bankruptcy has been XXXX. For Ford Motor Credit to change up missed payments, or to reopen a closed account that was XXXX in Bankruptcy is a blatant violation of the Federal Bankruptcy Law. The Bankruptcy was XXXX XX/XX/XXXX. It is now XX/XX/XXXX and Ford Motor Credit has yet to resolve or correct the issue. Not only has Ford Motor Credit violated the Federal Bankruptcy Law, they have violated FCRA guidelines and statute of limitations by manipulating the information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi, I open an American Express XXXX credit card in XX/XX/XXXX, and it advertised that after I spent XXXX within 90 days ( and extra XXXX within first 6 months ), then I will receive XXXX points. So I open an account. 
However, I did not receive any welcome rewards points now ( XX/XX/XXXX ). I called them in XX/XX/XXXX, and they said they need to do some investigations for about 4-6 weeks. After 2 months, I still did not receive the points. Then I called them again in early XX/XX/XXXX., and they said I will receive my point within 10 days. However, I still did not receive the point, and they hanged me off when I called back. So far, I still did not receive any rewards point as they advertised or promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My credit card with CARE CREDIT gave me six months with 0 % interest. I made all of my payments on time, in fact before the due date. After the six months, I was billed for the interest that were supposed to be 0. I called and was told by the agent at Care Credit that they saved the interest in a bucket and just added it to my bill at the end of six months. THAT IS DECEPTIVE. They clearly told me six months of no interest

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 2019-07-19
Company: EQUIFAX, INC.
State: HI
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:
First let me say none of the preselected questions quite apply. I am upset that after several years now of rebuilding my credit with NO delinquencies, nothing bad on my report and everything positive except I have used over half my credit amount. I used airline credit cards to buy material for my business then pay them off. Why the XXXX should using a credit card be a reason to lower a persons score? This system can not in any way properly rate a persons credit. I dropped XXXX points just because I used the credit I was approved for. There needs to be a change in this unfair credit score rating and it should be based on real reasons not some fictions creation ( most likely created by banks to raise ones rates )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a credit card at bank of America in my name. I never opened the card or used it. I got a call from bank of American to confirm a charge made on the card was me, and that's when I found out it. I received the card in the mail the very next day. Bank of America closed the card, and disputed the charges made. Since that happen, my credit score went down XXXX, I got letters in the mail saying I requested to forward my mail to another address away from my home address, also away from my mothers home address which is linked to my social security number... which I did not do.. I also had someone do my taxes this year at XXXX XXXX in XXXX Texas. I have yet to receive my refund and i am unable to contact the business that did my taxes. I'm thinking this might be connected..

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 2017-10-20
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have gotten loans from CashNet USA before and had little to no trouble. However, there is a constant issue with their website. 

It takes forever to load unless you are on mobile and even then some of the site does not work properly. I have informed them of this issue many times. However, that is not what my complaint is today. I kept getting emails about my existing loan telling me that I had the option but when I checked my account, it was showing a XXXX balance and no option to extend. 

I emailed customer service about it but got no answer. After a few days of this, I went on the site at work and opened the chat window. The rep. and I got the whole thing straightened out and she got me on a payment plan starting XXXX XXXX and ending in XXXX when the balance would be paid off. Now I 've made my first payment on the plan. On the tenth, I got an e-mail stating that I was overdue and have been getting repeated e-mails and missed calls from what I assume to be the automated collections service. Why am I getting these calls and emails if I am on a payment plan? 

I am so disgusted with this company that I will be glad when my loan is paid in full. I should not have to get these emails and phone calls when I am on a plan and making my payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-05-03
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The XXXX second installment Property Tax Bill was not paid from my escrow account. 
I contacted the mortgage server 5-6 times in the last three months when I became aware the payment was delinquent. 
The company agreed to make the payment as soon as possible, however, effective today ( XX/XX/XXXX ), they did not complete the corresponding payment. The bill was due on XX/XX/XXXX. 
This is mortgage server information : Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX www.selenefinance.com

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Diversified Consultants, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debit was paid sometime last year & if there is a new account it 's bogus! 

Account Details Last Reported XXXX XXXX, 2017 Collection Agency DIVERSIFIED CONSULTANTS INC Original Creditor XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Account. 
Balance {$260.00} High Balance {$260.00} Remarks -- Creditor Contact Details DIVERSIFIED CONSULTA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My trial loan modification was approved in XX/XX/XXXX with the first trial payment due XX/XX/XXXXand if completed satisfactorily by making 3 months ' payments on time, would convert to a permanent modification in XX/XX/XXXX. I completed all payments on time and have continued to make on-time payments however to date, I have not received my permanent modification agreement! As well, despite my on-time monthly payments, the servicer is continuing to negatively report delinquency on my credit. I have contacted the servicer repeatedly and get a different answer each time varying from, " we have not received investor approval as of yet on your modification agreement and are working on that '' to the most recent answer of " we are having an internal issue with our servicing system and are working to resolve this issue. '' Per regulation, they had 30 days to provide me my permanent modification agreement and it has been over 120 days. Please help as I am not getting any resolution from the servicer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened in    1991  at which time was only  XXXX   years old. T his person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.

Company response to consumer: Closed with non-monetary relief