BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Thursday, XX/XX/22 I made a CASH deposit of {$1400.00} in a Citizens Bank ATM # XXXX located in the XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, MA. 

I accessed my account with PIN, and selected Cash Deposit. The door for deposits on the ATM opened and I inserted 14 {$100.00} bills. The ATM took the cash and proceeded to count it. After a while, it rejected 3 {$100.00} bills, then one more, and after another pause a last {$100.00} bill was rejected by the ATM. 

I waited and got a message from the ATM that the deposit could not be processed, and I got a short printout that had : ATM #, Date, Card # and Location, and stated " Cash Deposit Your transaction can not be processed '' and " Please contact your financial institution '' THE ATM STOLE {$900.00} from me, Did not define my account number or the {$900.00}! I AM OUTRAGED BY THIS. 

Thank god I selected a hard copy receipt or I would have no evidence of this thievery or incompetence whatsoever. 

After 3 phone calls - the first 2 dropped out - reason unknown, I was able to file a claim, Claim # XXXX. On Friday, XX/XX/22, not trusting the local ATM, I deposited the balance of {$500.00} with help from a Teller. Shortly after the {$500.00} deposit, I went online to verify the {$500.00} deposit and saw that {$900.00} had been put in my primary checking account, dated XX/XX/22 and noted as Credit Memo and Dda Credit. 

No apology. Repeat : No apology. No email or other notification that the {$900.00} deposit had been completed. I'm starting to really dislike banks in this era.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I ask navient to prove that I took out the loans. It went to several collection agencies all could not provide me copies of the signed paper work. When this happened Navient went to a different debt collector. I reported this to the credit agency and they removed it from my records and said that Naviant failed to provide them with evidence. And navient just resubmitted these loans as unpayed and late to the credit agencies again. How can they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a payment issue that I have been facing while receiving payments from XXXX. I am a developer based in XXXX and regularly receive payments from XXXX, and my bank in XXXX, XXXX, is not under sanctions and is capable of accepting SWIFT payments. 

It has been over XXXX months since my payment dated XX/XX/XXXX with payment code XXXX XXXX was not received. Before this, my payments were received successfully for several months. The next payment after that was received, but I am still waiting for another payment dated XX/XX/XXXX, which has not yet been received. The XXXX code for the second undelivered payment is not known at this time as XXXX does not report it until 30 days later. 

I have reached out to my bank support in XXXX, and they sent me a screenshot of the payment status, which I have attached to this letter. According to it, the payment is currently in XXXX of the transit banks in New York ( either Bank of America or XXXX Bank XXXX ). 

XXXX claims to have paid a finder 's fee and chargeback on XX/XX/XXXX, but the situation has not improved since then. Despite my repeated requests, XXXX refuses to do any additional tracing. 

Please find the details of the account to which the payment should be sent : Beneficiary institution ( Beneficiary 's bank ) : XXXX XXXX : XXXX Beneficiary account : XXXX ( USD ) Beneficiary : XXXX XXXX XXXXXXXX XXXX XXXX of XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account of XXXX in XXXX XXXX : XXXX I would greatly appreciate your assistance in resolving this matter. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX Sole Proprietor Add : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ID : XXXX Tax ID No : XXXX Mobile : XXXX XXXX XXXX XXXX XXXX Email : XXXX 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 received a copy of my credit report and found multiple in accuracies ; XXXX XXXX XXXX XXXX also XXXX funding account number XXXX report across all three bureaus are different. 
2.Report as closed account on XXXX but report payment activity on XXXX 3 XXXX Report different dates of the last payment on each bureau. 
4. payment history differs on all three. 
Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ).

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a credit report, and had many unauthorized inquiries reporting from " transunion '' I called transunion to inform them that these were not authorized or performed by me and they were done illegally without my consent. transunion offered me no help other than to dispute with the creditor which told me to call transunion. the following inquiries are listed by name and date they are : 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

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 2023-09-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2021-04-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, my wife tried reaching out to Equifax to remove a freeze we placed on her credit from when they mishandled our information and they were hacked in XXXX. 

When we called the consumer line, the auto verification process wont allow her to get through. We tried 5 times ... each taking many minutes, and getting the we cant immediately verify your information. Please complete this request online. 

Great ... so we go online and go to set up an online account. It states weve created an account previously and to recover it. 

Then when we try recovering, it states There is not account matching this information - please call in To get an agent on the phone it is required that you pass their auto verification check. 

So I go through the process with my information. I finally get through to an agent. I tell him the issues were having. 
His XXXX is absolutely terrible and I have to explain my issue many different ways. 

He responds thats a common issue were seeing with the online accounts. Im going to transfer you. 

He doesnt transfer me. He puts us back in the queue. We have to go through it again and start over. 

This time when I try to auto verify my information, it says that we cant process the request and would need to complete it via mail or fax. 

When I go to the equifax site, there is no place to complete the process that way or find any forms. It simply tries to get us to register for an account, putting me back in the same loop. 

It is absolutely astounding that such an incompetent agency is in charge of the credit for millions of us. 

They messed up with mishandling our information, and for some reason were unable to make any progress when reaching out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in Covid forbearance but need help with my mortgage payments. The Money Source is claiming I have to pay the forbearance amount of {$12000.00} all at once and they are not able tack forbearance on the back-end of the loan like many mortgages companies are allowing during this pandemic. 
On XX/XX/2021 XXXX XXXX said I need to resume making payment and then file for a VA disaster modification. I called on XX/XX/XXXX ready to make a payment and apply for the VA disaster modification and she said I did not qualify. I am elderly with a XXXX XXXX and on a fixed income with rising expenses such as medical expenses, food, gas, utilities and taxes. My husband just lost his four XX/XX/XXXXdo to an XXXX and I now have to have thoseXX/XX/XXXX. This is just one example of our many problems right now. Not being able to get our mortgaged situation resolved during the Covid pandemic is causing me unnecessary stress. 
My mortgage interest is 4.85 % and with the new lower available rates which are under 3 %, I should be able to either 1 ) modify my loan to make the monthly mortgage affordable or 2 ) tack the forbearance on to the end of the loan like numerous mortgage companies are authorizing. I can complete the paperwork but because The Money Source stated I do not qualify verbally for a VA disaster modification, I am concerned we will lose our home. I am not sure why The Money Source is not offering simple programs like many of my friends and family in this same predicament with financial difficulties due to Covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 was contacted by Wakefield and associates about a debt that was supposedly ours. I then sent a debt validation letter on XX/XX/2021 to them which they received XX/XX/2021 to which they never responded. They never stopped collection attempts. They just garnished my husband 's check on said debt they never validated. They also never informed us of any garnishment orders before they just did this. The fact this company thinks they're above a federal law is scary to say the least!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: MD
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:
My complaint is against Equifax, XXXX  and XXXX. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX, CT, XXXX To : The XXXX XXXX XXXX XXXX for Cavalry Portfolio Services , LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party XXXX Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX Attorney General XXXX and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. 

Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to XXXX XXXX XXXX & XXXX XXXX XXXX, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Beloved, I ask you to get in touch soon. It is a very serious fraud from Coinbase towards me. I am at my wits end and have lost all my money due to Coinbase Fraud. Despite hard and serious facts, it is difficult for the police here in the XXXX  to take action. 

My name is XXXX XXXX and I live in the XXXX. At the beginning of XXXX I met someone named XXXX. She advised me to invest in Coinbase. She said it was safe and easy. It started with small amounts until she started talking about Staking. After a deposit of XXXX USDT, both the customer service and this XXXX indicated to me that I had to deposit a minimum of XXXX USDT or I would lose my bet. 

After again transferring over XXXXUSDT to Coinbase Wallet, it was noticed that my money was being passed through Coinbase Wallet XXXX ( XXXX ) unsolicited. However, it didn't stop. Again I had to pay 20 % Tax to claim back the deposited money. However, this was sent to an external Wallet, but again from Coinbase Wallet. Then came the real blow and this is where the scam begins. Now, before XX/XX/XXXX, I have to verify exactly the deposited money of over XXXX USDT and verify my account with Coinbase Wallet otherwise I will lose everything. I would like to ask you to help me with this and recover my Money which was simply stolen by Coinbase. 

The police department consider Coinbase, XXXX and this XXXX works together. Coinbase paid this XXXX to get in touch with people and invest in Coinbase and after while then begins the Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
I received a direct mail offer on or around XXXX XXXX from American Express, to apply for their Platinum Delta Skymiles Card. The offer was enticing as it offered me XXXX Delta SkyMiles and XXXX MQM for spending {$3000.00} in the first 90 days. I immediately called XXXX and applied for this offer, but the rep taking my application, could n't locate my promotion offer code. She processed the application and promised to process an " Icare Case '' to add the promo code manually. However, the incorrect promo code was applied, and I only received XXXX Miles and XXXX MQM. This was not what I had expected or agreed to, and filed a follow up case. Since filing the follow up case, no resolution has been made, and XXXX is not guaranteeing me nor are they giving me the promotion for which I applied. This is unfair and deceptive practice by XXXX, in getting customers to apply for their credit cards. I offered to submit a copy of the direct mail offer that received for their review, but they refuse to take it for review as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/12 I contacted Firstmark Services, the servicer for my XXXX XXXX XXXX My inquiry was simply if I had a forbearance available. The agent told me that I had 8 months of forbearance available on my account that could be used in 2 month periods. She then assisted me with applying for the forbearance and pushing my XXXX payment date past the timeframe they say it will take for the forbearance to be approved so I will not need to make a XXXX payment. 

XX/XX/XXXX comes and they automatically draft over {$400.00} from my account without any notification that the forbearance was denied. 

I contacted Firstmark again on the XXXX and was told my request was denied because a hardship and plan for resolution was not listed. I explained to the agent that I had lost my job and just gone back to work, but would not receive my first check for another month. I also explained that the previous representative never asked me that question when submitting the request, otherwise she would have gotten the same answer. The second agent resubmitted my request and requested that my payment be refunded as the unexpected payment caused my account to overdraft and left me with nothing to feed my kids or put gas in my car to get to my new job. 

Today I received notice that my forbearance request was denied yet again because as it turns out, it was never available on my account to begin with. Had my initial inquiry been answered correctly I may have had time to contact my other lenders and move funds around so I didnt end up in a situation where Im unable to provide for my family. 

Due to the carelessness of Firstmark and their staff Im now in a situation where I might lose this job because I cant afford to get there next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: AMCOL Systems, Inc.
State: TX
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:
Back in XX/XX/2017 I went to an urgent care facility, and used my insurance. 

I got a bill/credit notice in the mail for $ XXXX saying that was my portion due. Well, according to my insurance company ( XXXX  ), I shouldn't have any outstanding balance as I was covered. 

When I called Amcol about the amount that hit my credit report they told me it was an unpaid hospital bill. Once I pulled the information out of them of who the original creditor was, I called their billing department and they were less than helpful. 

They said it doesn't matter what XXXX paid, that I was still responsible for the remaining balance. When I asked them to hold so that I could three-way my insurance company on the phone so that we could all get on the same page she told me she wouldn't be placed on hold and would hang up if I tried to do so. 

This amount being reported is INCORRECT, as my insurance has already paid their portion and I shouldn't be subject to pay anything additionally. 

Since this was an urgent care visit they informed me that the hospital bill was paid but that it was actually the physician who I still owed money too. So essentially it's 2 separate bills. The one that Amocol is reporting however is the hospital bill under " XXXX XXXX XXXX '' and that one is  actually paid according to everyone 's standards. 

I'm just asking that this be removed from my credit. I have an EOB from XXXX stating that my portion in this matter is {$0.00}.

Company response to consumer: Closed with explanation