BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received a response after a complaint on the balance on my loan. I voluntarily surrender my car after releasing payments were too high and at the time I could no longer afford it. They called and set up a towing pick up to leave the key in the car and take off plates and towing company would pick up. So I did that night theft got to the car before the towing company it was a Friday morning I woke up show the car gone and thought the towing company took it. it was still a couple of days later I received a call that the car was never picked up. I called my apartment complex and asked if the car was towed by them they said no so I asked to run the camera for that night and on video, there were 2 men going in the car and finding the keys and going off in my car. I reported to the police they found my car and told me who had it, I called the bank to advise them the police found the car and it was at a towing company should I pick it up they told me no to tell them the company and they will set up a pickup. If I would have known they would have charged or set up a pick up so far apart to accumulate a bigger charge I would have picked it up myself. Also, I could have told the police the charges and the theft would have been a force to repay my lost funds. I've never had a car stolen so I'm in shock they would of charge to pick up my stolen car. Besides that this contract was a flaw and I was sold into a payment that would never have paid my loan. I was paying and paying and my balance remain the same for 2 years. When i surrender the car i was told it would be sent to auction and whatever the balance that paid would be taken off and i would owe the rest. How the XXXX did they sell the car for XXXX XXXX and then still jump right back up to XXXX XXXX where i started. I was young when i purchase this car and what they told me was not to explain thoroughly i believe they took advantage of my uneducated self. I do not find fairness in this balance would like to take this up to the highest possible outcome even if nothing happens I rather fight on this balance this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andwells fargo and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and XXXX this and transunion and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.

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 2021-01-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Covid pandemic I had to put my mortgage payments on a three month forbearance with Wells Fargo. It started XX/XX/XXXX, I chose forbearance with the option of a payment deferral program ; rolling over the outstanding balance to the end of my mortgage term. I made my mortgage payment again on XX/XX/XXXX but, unfortunately come XXXX I ran into financial hardship again and once again opted to forbearance my mortgage for three months. However, come XX/XX/XXXX when I was ready to continue moving forward with my mortgage payments, I was told I could not roll the outstanding balance of {$4300.00} to the end of the mortgage term because payment deferral was only a one-time option. I was not informed by Wells Fargo that the payment deferral program was only a one-time offer. In-fact if I was told that in XXXX, I would have never opted for the second forbearance. I was told that the company who banks the Mortgage Loan to Wells Fargo is XXXX XXXX. I reached out to XXXX XXXX today, XX/XX/XXXX, and I was told by an account specialist that they could not help me or make an exception for me even as I was mislead by Wells Fargo. Wells Fargo told me I could apply for a Mortgage Assistance Modification, which will show on my credit report and is not the option I would have chose. I did apply for the modification because I felt like I have my hands tied, if I can not find a way to make up this outstanding balance my mortgage will show as default even if I continue to make my monthly payment, which I have. In such a time of crisis it is unfortunate that company 's are not doing more to help out the people who are effected by the pandemic.

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 2016-05-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I submitted a complaint for the third time and it appears that JP Morgan Chase is not working on resolving this issue with me. I purchased my home in XXXX and I never refinanced my property. JP. Morgan Chase faxed over this XXXX what appears to be a new mortgage loan with my name forged on the HUD 1 which is government fraud, and the entire loan application. I am trying to discuss this in a professional manner in hopes that they will resolve this issue with me, but I have not gotten any results as of yet. I contacted the prosecutors office in XXXX nj and was informed to contact the local police and make a formal criminal complaint due to the forging of my name. I am reporting this again in the hopes that this will be resolved. I am also looking to contact the news and inform the public that this crisis with the mortgages in the United States appears to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Progressive Financial Services, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I XXXX in XXXX as a way to pay off my federal student loans, the XXXX apparently did not register XXXX loan. I was unaware of this and only found out this year when my taxes were withheld and my wages garnished. The Department of Education sold my loan to a collection agency, I asked the agency to provide proof that this is in fact my loan, and provide proof that they acquired this loan from the Department of Education as well as the amount that it was for. The collection agency has repeatedly refused to provide this information. I did not want to pay unless I knew that this was a legitimate debt. 
I stated that if they could provide this information, I would pay. Now they have garnished my wages and put my job in jeopardy. Furthermore, I was XXXX for XX/XX/XXXX, got out of the XXXX in XX/XX/XXXX, and started my XXXX XXXX in XX/XX/XXXX. I am not sure on the law, but I believe that I should have been protected during this time. 
Lastly, to reiterate, I only found out about this debt recently. However, I have heard from multiple collection agencies regarding the same alleged debt, how am I supposed to know which is valid and or real. I first heard something of this debt in the past two years, but could get no real information, so I let it go. I only realized that it was real after the aforementioned garnishment.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS XXXX XXXX XXXX please delete any other name on my credit report. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-01-14
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 between XXXX and XXXX am, we transferred two amounts of XXXX from XXXX exchange to Coinbase Pro, so we could withdraw money to buy groceries for the family. Being forced to trade currency to survive since the US government has given up on America and we are all trying to survive after congress and their minions imported Covid from XXXX. 

We received emails from Coinbase proving our XXXX arrived into our correct account, where it also shows as a deposit. We have verified it has the necessary transactions to become available but has not been placed into our control, even 6 days later, preventing our family from buying food which we need. 

I emailed their support 2 times and no response after 6 days. No other support options. 

We want to remove all our money from coinbase but are afraid the money we have in USD will be stolen from us by Coinbase and not transferred to our bank, since this is the second time Coinbase has withheld our capitol from us without cause. 

We are seeking help from the government to help us get our money from Coinbase so they don't steal it as we are reading they are withholding many peoples money in reports on XXXX and other sites. 

Do we also need to file complaints and seek help with the SEC?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have any contract with this company and am not aware of this debt. It appeared on my credit without any knowledge of this debt. I have tried to reach out to this company and have not had any solution made to this problem. I want this taken off my credit ASAP. I do not owe this collection agency any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: 1ST ALLIANCE LENDING, LLC
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a USDA home loan through 1st Alliance lending XX/XX/2016. I went through the entire process with this company, and submitted everything they requested of me. I received a preapproval letter early on in the process after I submitted the documents they requested of me. I sent the company several paycheck stubs verifying my, and my wife 's income, through the entire process, which was roughly 5 months, XX/XX/2016 to XX/XX/2016. So the company had ample enough time to verify our income through the entire process, to determine if I we were financially capable of making our mortgage payments if awarded the loan. We were told earlier on in the process that we had ample enough income to qualify for the loan, as well as through the entire process up till the end. I had to pay for the appraisal of the home we were attempting to purchase in the amount of {$470.00}, as well as we lost {$500.00} in earnest money that we put up for the home, due to the application process extending past our contract date. Also, the loan coordinator, XXXX XXXX, told us that we had to use their appraisal company, and could not use one of our choosing, which I feel is illegal. I feel as if we were victim to bad/illegal business practices because we were told initially that our income was sufficient enough to secure the mortgage loan with 1st alliance Lending, 5 months later, and after losing the {$470.00} we spent for the appraisal for the home, and the {$500.00} in earnest money we lost due to the process extending past our contract date, we were told that all of a sudden our income was n't sufficient to secure the loan, and that all of a sudden our debt to income ratio was too great, both of which was verified at the beginning of the process, as well as continuously through the 5 month process. Our loan packet also never went to the U.S.D.A. underwriter, it just stayed with 1st Alliance 's underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Synovus Bank
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 reached out to them several times about erroneous charges and the fact that their website did not process my payment. I was reported as late which should not have happened. This company is scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three.

15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done. 
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 
15 U.S.C 1681c. ( a ) ( XXXX XXXX Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of the wrong persons.

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 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After Navient took over my loan from XXXX XXXX, I have tried numerous times to try to get my co-signer off my loan, but their requirements are so strict that it it almost impossible. Even when your a few days late the calls go into the night and on weekends also. When XXXX XXXX handled my loan there were times I needed a defer my payments and they would charge a XXXX dollar fee to delay payments for a short period. Finally, I have tried and so have my parents to try to get the payment amount reduced and have been met with opposition. " Can someone else help you pay, '' " What about your co-signer, '' " Can you make a payment with a credit card. '' All of those words I would hear back from them, and nothing be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a {$15000.00} interest-free ( until XXXX of XXXX ) loan from my Chase Slate account for home improvements, which was reflected on my XXXX XXXX, XXXX statement. There was a {$300.00} balance transfer fee, which I paid, along with my purchases of {$90.00} and also a payment of {$1100.00} toward the {$15000.00} loan. Then on my XXXX XXXX, XXXX statement, I was charged {$.00} interest on purchases. When I called to ask, I was told that it did n't matter how much I paid each month, even if it was way over the minimum, I 'd be charged interest ( 11.49 % ) on my purchases. I was told this was a " revolving account '' and that there is n't anything I can do to keep from being charged interest on the purchases, unless I pay the entire balance off. I have just paid again, and I am going to call to see if they will allow me to apply an amount of my choosing towards my purchases during the last month. Either way, I am not going to use this credit card for purchases again. Beware of these offers of " zero percent interest ''! They are misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Without my permission or agreement, Citibank opened a credit card in my name, posted {$12000.00} in charges, is charging me interest and late fees for not paying, is reporting this to credit reporting agencies, and refuses to reverse the above. I never agreed to the credit card and I have never used it. I have repeatedly advised Citibank of this and requested all be rescinded, but they refuse. The latest refusal was by XXXX XXXX, Executive Response Unit, Office of the President of Citibank at 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 2021-01-14
Company: Experian Information Solutions Inc.
State: TN
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:
I have inquires on my credit report that are a direct result of identity theft. Per the Experian website they write " It's important to check your credit reports regularly for accuracy. If, while doing this, you've noticed a hard inquiry on your credit report that you believe is the result of identity theft, you can file a dispute with each of the three national credit reporting agencies and petition to have them update the inaccurate information. '' I have requested that Experian open a dispute to investigate the inquiries that are a result of identity theft and Experian has so far not done so. I contacted the creditors directly and was told to open a dispute with Experian. The following inquiries that are appearing on my Experian credit report are a result of identity theft : XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020

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 2020-03-20
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I observed some negative entries from Cal Business Bureau and  they said that I owe this debt and is unable to verify that it is my debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation