BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-07
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process of trying to refinance my home on XX/XX/XXXX with amerisave mortgage company. From the very first time I spoke with them I told them I have a manufactured home on a brick foundation on my own land. I have been talking to XXXX XXXX the entire time and he told me when he looks up my home on XXXX and other such sites it comes up as a single family home and therefore they should have no problem financing my home. I was told all I would have to pay upfront would be {$500.00} and the rest of the closing cost could be rolled into the loan. Within 3 days from starting this process I authorized them to take {$500.00} from my checking account. After multiple conversations and being told over and over for weeks that an appraiser would contact me within 48hrs to set up a date to come look at my home, finally on XX/XX/XXXX an appraiser came and looked at my house. I was told within 2 business days the appraisal would be done. On Monday XX/XX/XXXX I received an email from XXXX that he did not think they would be able to refinance my home because the appraiser said that my home was a manufactured home on a permanent foundation. As I said from the beginning I told them that. I have not heard anything else from XXXX or anyone else from Amerisave. Because of this I feel like they used me just to get my {$500.00} and they knew they would not be able to finance my home. I have tried to call, email, and text them multiple times since reveling that email and I have gotten no response. Also when I log onto my account at Amerisave it  does not even say they have received the appraisal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09
Company: COLLECTIONS USA, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/18 I received notification from my credit bureaus XXXX my credit has been changed. I viewed the debt collector asking for approximately {$2300.00}. I am concerned because that is very incorrect and false information and furthermore I never received notice of a court date for allegations of a judgement. I know my security deposit was a XXXX dollars and the XXXX XXXX apartments kept ALL of my security deposit. The day I vacated I asked the managers assistant and main manager for documentation providing I am leaving and everything as been satisfied. I was told yes and my security deposit will be sent to me by mail. I can leave now. I do have a video recording of this conversation because I am aware this apartment complex has commited fraudulent claims in the past. I also have a witness who was present during this conversation. I also have pictures to show the apartment was left as is and clean. This extremely high judgement is a false claim and detrimental to my credit history and character as a consumer. I want this information corrected immediately. I also would like to see the file of what was alleged for judgement so I can dispute in court if need be, as I have every proof needed to show this amount is false and incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 received a call from XXXX XXXX XXXX  ( XXXX  ) XXXX about an unpaid debt and was threatened with litigation. When I tried it to get the details of the debt, I was told they did not have the information. The debt was for a credit card I never had in the amount of {$450.00}. When I explained to the representative that this may be fraud, she said shed put the information in the file. Several months later, they called my husband for the same reason. When I called back to understand why they called my husband, I was hung up on. I called back and when I reached someone else, they claimed they could not locate my account and hung up again. This is harrasment.

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 2018-01-13
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Case # XXXX On XX/XX/XXXX at XXXX XXXX XXXX an amount of {$25000.00} was wired to Coinbase , Inc . 
XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Country United States As requested by coinbase the following has been verified and to their standard : ( 1 ) Identification ( ID ) has been verified ( 2 ) Incoming wire is in the matching legal name for the wire transfer ( 3 ) Unique reference code is included with the wire transfer for fund identification It is now XX/XX/XXXX and there is no balance on the coinbase account or a return of funds. 

I have received ONLY one line of communication since XX/XX/XXXX from support which is 10 Business days after the wire took place on XX/XX/XXXX from XXXXXXXXXXXX " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience '' I have tried communicating with coinbase through their support team via ( 1 ) XXXX, ( 2 ) XXXX, and ( 3 ) XXXX.

( 4 ) Have tried calling the help center XXXX ( 5 ) Requested and submitted a form escalation ( 6 ) Sent multiple emails with minimal communication I do n't think its right for coinbase to tie up funds like this. There are numerous other cases like this where people have their funds tied up for weeks with no direct communication. People deserve to know whats happened with their hard earned money. 

I understand coinbase has an overload of customers but if you ca n't handle sensitive matters like this in a timely manner, then please do n't take on new customers and set up infrastructure to handle the large influx. 

All I 'm asking is to be considerate of everyone that choose to do business with coinbase. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am writing to you because I am having difficulty obtaining stable employment due to my health. I am also requesting a payment that allows me to meet my medical and living expenses. I am not working due to several physical illnesses. I have XXXX XXXX, XXXX XXXX, XXXX XXXX  and generalized XXXX ( please see attached documentation ). I currently have no income and I do not foresee any improvement in the future, but my husband is willing to help me pay my student loans.

I obtained my XXXX XXXX in XXXX XXXX XXXX from XXXX inXX/XX/XXXX. I worked for three years with a very low starting salary. In XX/XX/XXXX, I was XXXX with XXXX XXXX   which has impaired me to continue in the field, but the amount of days which I am bed bound has also prevented me from obtaining any stable employment. My dreams and vision to help people with XXXX XXXX  has vanished.

Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan.

I believe I can afford to pay {$800.00} per month toward my loan. Please consider my offer, I am trying to reach out with all my best intentions. If you do not grant this request for a reduced payment plan, I will be at risk of default. If I received a reduced repayment plan, I may be able to avoid default, which is the best interest of all parties.

Please consider this letter a written request that you contact my lender or other authorized party to conduct a review of my account and provide a response.

I hope we will be able to agree upon an acceptable repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX   Ohio XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX, The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX Ohio 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 non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a second generation college graduate and Ive been struggling with NAVIENT for years. I was strongly suggested for years to request a forbearance when I was jobless and struggling to pay rent while working a full time job and to try different plans, which in my ignorance raised my interest and kept resetting my PSLF plan and recalculating my IBR. In XXXX I hit the tipping point and cried and sought legal counsel after I had saved up enough money to make an offer to payoff my loans. I was told that XXXX XXXX VP Navient would review my request. I called back at the end of XXXX to learn that he denied my request because I hadnt defaulted or been behind in years. I was told by the representative on XX/XX/2019 that if my account had been delinquent and I wasnt able to pay then he would have accepted my offer. To make sure I was getting the same story ... two other representatives said that it is typically NAVIENTs practice. As a XXXX XXXX American woman, it breaks my heart and makes me want to speak up for others who may not have the education nor desire to ask for justice and help. My scenario was I can only go to college with a loan at XXXX  so Ill start applying, I cant pay back the loan right away so I have to take a forbearance, I can start paying the loan but i wont be debt free until 20 years so Ill work for a non profit and do good in the world while hopefully getting my federal and maybe private loans forgiven, I save up money to be debt free so I am not a burden on my husband and our two girls .... and then NAVIENT gives me hopeless options continue to pay on the loan for 10+ more years, pay off the entire loan or become delinquent-Ness up your credit score and then theyll accept my lower offer. It seems like an injustice and abuse of power. I continue to pay monthly, because its my duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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 information incorrect

Complaint:
XXXX- XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Collections and XXXX XXXX violated my 609 rights by reporting incorrect information to TrainsUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXXXXXX -XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  and XXXX   XXXX reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.

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 2018-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously disputed this account # XXXX with XXXX XXXX on ( 2 ) occassions over the last 9 months. I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXX where the creditor stated that the account was sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 )  bureau credit files ( see copy of letter received from XXXX XXXX ) and had promised to make the ( 3 )   reporting bureaus aware On XXXX XXXX XXXX I reviewed my credit files accessed from XXXX XXXX ; XXXX and Equifax ( see attached copy of Equifax and XXXX XXXX credit reports ) and to my suprise I see that XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-04-25
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX18 I was contacted by XXXX Fraud management and they indicated that there was some transactions that they wanted to verify. I informed them at that time that my wallet had been stolen and that the transactions in question were not mine. They shut down my card and issued a new one and filed the fraud claim. Over the coming days a lady by the name of XXXX called me and asked me some questions about the merchants and the transactions at which i advised here they were not processed by me. After approximately two weeks passed and she called to inform me that my claim was being denied because i had transacted with one of the merchants last year. I advised here that this isn't a valid reason to deny a fraud claim. I had already filled a police report which was provided to her. I asked to speak to a supervisor which took four day for a call back. Now its been two more weeks and I've requested in writing the reason for the denial and no information can be provided to me justifying the reason for the denial. In addition she reported my accounts for closure.

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 2018-11-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I had communicated with American Express on numerous occasions that the account holder ( Account Card # XXXX ) and my father, XXXX XXXX XXXX XXXX, suffered a XXXX on XX/XX/2018. I contacted American Express on XX/XX/2018 and asked to have his card suspended, and I was told to send a copy of a power of attorney to American Express at its fax number [ ( XXXX ) XXXX, which I did that same day as instructed by " XXXX '', American Express 's representative, when I spoke to him at ( XXXX ) XXXX. [ On that same occasion, I and my mother, XXXX XXXX XXXX XXXX, asked XXXX to suspend the card, since there were unfamiliar charges on it. ] We also sent proof of the XXXX. 

American Express has not responded, and has indicated that my power of attorney is not valid. The power of attorney is valid under California law -- I should know, since I am an attorney. 

We wish for the CFPB to inquire of American Express when ( if ever ) it intends to address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is in regards to FEDLOAN Servicing and implementation of the Public Service Loan Forgiveness ( PSLF ) Program. Since my employment with local government in early XXXX to my federal sector employment beginning in late XXXX, I have had over 10 years plus of certified employment pre-pandemic and under the emergency COVID-19 forbearance period effective until XX/XX/XXXX. As of XX/XX/XXXX, FEDLOAN has acknowledged my application and has updated my qualifying payment counts to be over 120 payments for a total of 4 of my 5 Direct Loans consolidated with FEDLOAN. I have been advised my application for loan discharge of the remaining balance of approximately {$43000.00} is still pending as of XX/XX/XXXX submittal and XX/XX/XXXX correspondence by FEDLOAN servicing. I have filed a complaint with US Department of Education at StudentAid.gov. It is my sincere hope that my request for TEPSLF is expedited and the outcome is favorable for loan forgiveness under TEPSLF or under PSLF per. the XX/XX/XXXX waiver.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09
Company: Credit Karma, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been a customer of the XXXX XXXX for 10 months and i have been entitled to a credit card. and my payments are punctual. but i cant check my credit score in any of the three company websites. i dont know what has happened.kindly can you check my credit score and let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CITIBANK, N.A.
State: CA
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:
On or about XX/XX/2021, I used my Citibank card to purchase two round-trip flight tickets from XXXX air for {$1100.00}. We flew on the outbound leg but XXXX canceled the return flights. XXXX was unable to provide a replacement return flight. 

I attempted to get a refund from XXXX, but they did not follow their own procedures and failed to provide a refund in a timely manner. 

I initiated a dispute for {$570.00} ( half of the amount charged ) on XX/XX/2021. 

The only communications that I received from Citibank were : - An immediate communication stating that a temporary credit was being provided. 
- An email on XX/XX/2021 stating that they had contacted the merchant - An email on XX/XX/2021 stating that they had received information from the merchant and would contact me within 10 business days. 

On XX/XX/2021, I logged in to my account to find that the dispute credit had been reversed. After talking with various Citibank representatives, it seems that Citibank intended to send me a letter requesting more information. However, a review of my records shows that they never did so.

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