BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
several slandering, tricks, and false information, i am very satisfied with bank just some of the employees are moving side ways doing improper actions or statements like in the claims department, or the merchant services reps not showing for appointments, asking some bankers for business bankers and saying none are available and then one accepts me right away. from the bank enough is enough. and before they stated there were no fraud alerts or security and now there is. i love bank of america but some of these need to adjust. adding fees to credit cards that are not due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I call Equifax to dispute to inquirers on my credit report. They wanted me to run all around the world just to get some information to dispute it.XXXX Took the dispute right over the phone just with me verify who I am. Equifax didnt do that. Talk to the manager and he didnt want to help me either, I really dont know why Equifax has a fraud department when they dont want to help the consumer with fraudulent items on their credit report. 
Friendly XXXX XX/XX/2020 fraudulent XXXX XXXX XXXX XX/XX/2020 fraudulent These are the two inquires thats on my credit report and theyre Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Tiaa, our mortgage holder is using our mortgage payment to pay insurance that they say we owe. We have had our insurance with XXXX since XX/XX/2020 to date and Tiaa will not accept our insurance. Tiaa is using forced escrow insurance which we refuse to pay since we have proven to them that we have had XXXX XXXX. No matter what we send them ( copies of the policies ), Tiaa will not accept this proof therefore they say we owe them thousands of $ 's and they are collecting this money by using our mortgage payments to do so. We have written the President of Tiaa, the President of XXXX twice. No response!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting a collection account with XXXX XXXX for which the account has been paid off and the company agreed to remove it. The most recent report shows it's listed with a XXXX balance. They had enough time to update the balance then they should have had enough time to reach them and verify the company agreed to delete it.

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 2016-11-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I recently had a credit card cancelled due to information in my Equifax report. I have attempted to request a copy of the report through the Equifax web site, and find that although Equifax claims that you can request a report under these circumstances from the site, it is difficult or impossible to do so and Equifax steers you toward purchasing a report. Information on how to obtain a free report through the site is hard to find and results in broken links when you do find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
First My debt card was hacked by scammers they replaced the card then I had to pay over {$100.00} in fees. My checking account disappear in I did n't get no notice in the mail about my checking account. Now I just have savings account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed an account reported on my report and asked for proof of verification of accuracy of a {$240.00} collection on XX/XX/XXXX. As it shows on the certified receipt it was received on XX/XX/XXXX. I received a report stating the item was verified but zero documentation of how it was verified, which was specifically requested. 
On XX/XX/XXXX I submitted a second request asking how the item was verified and with whom. That letter was recieved on XX/XX/XXXX. I recieved a report that the item was updated but still no information of how this item was verified to be accurate.

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 2017-01-27
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been trying to get on a program for nearly a year now that I can afford. I first started with my original service who denied the applications after many months of multiple attempts and then told me to consolidate and my loan via fedloan servicing and get on XXXX. 
My loan was consolidated on XX/XX/XXXX and I was told that my XXXX would be done around XX/XX/XXXX or XX/XX/XXXX and that it looked good. I kept calling and getting the status with them saying it looked good and once asked for me to send them my paystub, which I did. 
My loan just came up for repayment which says it is XXXX per month! It is on a XXXX year loan. My loan was half of this but with the compounding interest the loan is now nearly double what it used to be. 
I called today to tell them I really need them to finalize the XXXX as the loan is just compounding interest and the standard loan is just getting higher and higher and now it is nearly a third of my take home. 

They told me I need to submit another application!!!!!! Once again for the XXXX time. I have no idea why this is. They have been telling me it was ok the whole time and that everything looked good. It is becoming impossible to get on this loan program. 
This is criminal and predatory practice to keep me in application status for nearly a year between XXXX and now Fedloan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX consolidated student loans, both of which are serviced by FedLoan Servicing. XXXX loan is a Direct Subsidized Consolidation Loan and the other is a Direct Unsubsidized Consolidation Loan. The monthly payment amount for the Direct Subsidized Consolidation Loan is {$210.00}. The monthly payment amount for the Direct Unsubsidized Consolidation Loan is {$310.00}. The total monthly payment amount for both loans is {$520.00}. 

Currently, and throughout all of 2016, I was enrolled in a Direct Debit program through FedLoan Servicing for both of these loans. Each month, {$520.00} was automatically withdrawn from my bank account and applied towards my monthly payment of {$520.00}. I made all of my payments on time in 2016 in the exact amount due. None of the billing statements that I received from FedLoan Servicing show that there was ever any past due amounts. My XXXX Credit Report, which I accessed today, shows that in 2016, FedLoan Servicing received each of my monthly payments on time. 

On XXXX XXXX, 2016, FedLoan Servicing issued me a billing statement for the payment due XXXX XXXX, 2016. This billing statement showed that I had accrued {$51.00} of Outstanding Interest for my Direct Subsidized Consolidation Loan and {$73.00} of Outstanding Interest for my Direct Unsubsidized Consolidation Loan. However, the previous billing statement, which was dated XXXX XXXX, 2016, shows that there were no past due amounts. And the XXXX XXXX, 2016 billing statement shows that I made my XXXX XXXX, 2016 payment on time, and in the full amount of {$520.00}. 

Even though I have made all of my payments on time in 2016, and in the full amount of {$520.00}, my most recent billing statement, which is dated XXXX XXXX, 2016, shows that there is still Outstanding Interest. This sum is {$51.00} for my Direct Subsidized Consolidation Loan and {$72.00} for my Direct Unsubsidized Consolidation Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I charged {$5900.00} on my Citibank credit card in  XXXX   XXXX . I disputed the amount on or about  XXXX   XXXX . The disputed amount was credited to my account in or about  XXXX   XXXX . Then in or about  XXXX  of  XXXX  my credit card was charged once again for the disputed amount, with no written explanation as to why my card was recharged.   As result of my complain to CFP B, Citibank replied in pertinent part : " When a disputed charge occurs, Citibank as the issuing bank of your credit card can intervene on your behalf and request a credit from the merchant 's bank. Bec ause you did not follow the steps for a full refund, and the merchant has refused our request for a credit, we have no further recourse to assist. Based on this, the {$5900.00} conditional credit, issued on  XXXX   XXXX ,  XXXX , was reversed and appeared on your  XXXX   XXXX  statement. At this time, we must consider the charge to be valid and you will need to contact the merchant directly to pursue this matter. '' In response to  Citibank  explanation I contacted  XXXX   XXXX , the  Citibank repre sentative who ostensibly authored the response, and inquired why the investigation took more than 90 days to complete.  XXXX   XXXX  replied that an arbitration was conducted on my behalf, which he said Citibank had lost the case. At this time, I asked for a copy of the arbitration outcome. He said he would find out and give it to me. On about  XXXX   XXXX  in response to my attorney 's letter, dated  XXXX   XXXX ,  XXXX , he verbally explained he could not release the arbitration document to my attorney without a subpoena.

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 2022-07-05
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Purchased travel. Deposit paid using Chase, amount : XXXX. 
Travel was to take place XX/XX/XXXX. Disrupted due to Covid lockdowns. 
I agreed with the seller ( XXXX and XXXX XXXX ) to postpone to XX/XX/XXXX. 
XX/XX/XXXX Covid lockdowns, could not travel. I agreed to postpone to XX/XX/XXXX. 
Covid do not travel alert ( level 4 ) from State Department. 
I tried to get a refund form XXXX and XXXX was denied. 

XX/XX/XXXX I sent an email to Chase regarding a chargeback. This email was processed as a chargeback without allowing me to provide any details. I called Chase they could not allow me to speak with anyone regarding the complaint. Reason provided : back end. A few weeks later I received a letter stating my complaint was denied due to the charge being over 2 years old. I sent a letter explaining the situation and to reopen the case. Received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CHECK INTO CASH INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A person named " XXXX XXXX '' called me, friends, ex family, my husband 's ex wife, who knows who all- looking for me to discuss a " Fraud '' activity, and even giving more details than that. When I called her back, gave her the case # XXXX she left on the voicemail ; she said she was with the State of OK Fraud Dept, and I have two pending litigations, felony charges- that are about to be placed against me for taking out an electric payday loan and not repaying. She said I had to make a statement at that time, which I told her I was not prepared to do so. I repeatedly asked what company she worked for, and asked why they are just now contacting me 8 years later, and why is this being discussed via phone call, when I've received no mail or anything regarding this. She wanted to ask me questions on a recorded line, when I put an end to the conversation and told her that I wanted something in writing. She told me they are pursuing charges now, and " Good Luck ''. She gave out my personal and confidential information to anyone who answered the phone. This payday loan is from 2012. Although, I'm not denying I had one, threatening to have me arrested unless I pay in full on the phone is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Over the past two weeks I have contacted : XXXX XXXX ( a XXXX XXXX service ), XXXX XXXX, and Transunion ( who provides the service information to XXXX XXXX ). This complaint concerns XXXX XXXX reporting, the failure of XXXX XXXX to address the complaints, and Transunion for failing to provide the correct information in a timely and reasonable manner. I have eight reported accounts : XXXX XXXX - balance is XXXX but record shows {$290.00} - INCORRECT XXXX XXXX - balance is XXXX but report shows {$8.00} - INCORRECT XXXX - account amount is incorrectly reported ( too high ) - INCORRECT XXXX ( XXXX ) - account amount incorrectly reported ( too high ) - INCORRECT XXXX XXXX - two accounts with XXXX balance reported correctly XXXX - XXXX balance reported correctly Student loan account - XXXX student loan account balance off by several hundred dollars - INCORRECT Additionally I have 12 Alerts showing from an XXXX account which should not be reported as they are deleted accounts! XXXX provided the information dutifully and TU fails to act on the deletion. I am aware accounts may have a delayed reporting in the industry. I am aware of the date when each of my accounts report. I contacted each creditor to affirm when they reported account information. HOWEVER the incorrect totals have been consistently reported as incorrect, as noted above, for a number of months. In another CFPB complaint I have addressed the payment history as incorrect. It should be 99 % instead of 89 %. I believe this is may be a generalized problem as it appears to be a code issue. I could be wrong about this however. These problems began a few months back. None of the three businesses had an interest in notifying their IT folk about a possible glitch, or, it just might be a really sloppy service.

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 2022-02-24
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase has not allowed me to access my account for the sake of obtaining tax documents. As my prior three CFPB complaints against Coinbase show in great detail, Coinbase 's other customer service issues forced me to use multiple email addresses, including one email address that no longer exists, to access and ultimately transfer my wealth. 

At this point, all attempts at resetting my password require access to my old email address, per email correspondence with Coinbase and three customer service calls ( two calls on XX/XX/XXXX and one call on XX/XX/XXXX ). I no longer have access to said email address and it can not be reactivated ( it was an old email from college that expired in XXXX ). The representative I talked with on XX/XX/XXXX said there is absolutely nothing she can do to help me access my account and subsequently my tax documents without access to the inactive email address ( which again, I only linked to Coinbase due to a previously filed complaint on erroneous trades ) despite providing all corroborating account information, such as legal name on account and the final four digits of the bank account to which funds were transferred to my Coinbase accounts. 

I'm exhausted from working with Coinbase. They can't service customers in the most basic ways. I have already sold all of my crypto so I no longer have to access the platform moving forward, but I just want my XXXX tax documents to file with the IRS. 

This continues to be an absolute nightmare of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MN
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 59 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 59 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: GA
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:
Synchrony Bank sent me 3 emails indicating I had opened an XXXX XXXX XXXX credit card. A deposit had been made and they needed my application completed. I called 3 different numbers for Synchrony Bank and got through but they just dropped the call. I called XXXX asking how the bank got my email address and they didn't know. I can not reach the bank to get any info about a credit card I did not open.

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 2021-08-23
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Yes ally did not get back too me on my complaint I did with you guys awhile ago. Trying too get car payments deffered due too hardship. I told them I can't afford a up front payment on car. Due too being on XXXX also. I'm hoping they can waive up front fee. That would help. Not happy. Also been on time never late

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 2022-07-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
i have written Navient letter on 2 times requesting to stop calling me and to contact me by mail. they have yet to do so. they have contacted me every day 2 times a day since the phone call in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX

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