BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: Aspen Yo LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we received a statement from our newest loan servicer Gregory Funding, LLC ( our loan has been transferred 3 times in the past year ) that our monthly payment was increasing by $ XXXX. 
I called to inquire about the increase and after waiting in their que for XXXX minutes, I was told that we have an escrow shortage of {$100.00} from our previous loan servicer XXXX XXXX XXXX. I asked why that would create a $ XXXX increase to my mortgage payments and she replied Because you dont understand escrow and your previous loan servicer was not paying your homeowners insurance to XXXX XXXX. Not true. The call then abruptly disconnected. I can assure you I did not disconnect the call. Since then I have seen numerous similar complaints on the XXXX  website about escrow and unethical behaviors by Gregory Funding. 
When you call this company there is an extensive wait time, and when you are finally able to speak to someone, they can not provide legitimate answers. I am very concerned about how this company operates. They never sent us anything in writing detailing the substantial increase to our monthly payment. 
We worked out new terms with our previous mortgage company XXXX XXXX and have been told that if the loan is sold they can not just alter the terms at will. 
We have been dragged through the mud by predatory mortgage companies in the past which is why we are in the situation we are in now. XXXX  years in our home and a mortgage XXXX times what we borrowed originally. Have never borrowed equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Winklevoss Exchange LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I set up a Gemini account on XX/XX/2021 and they allowed me to deposit XXXX usd on XX/XX/2021 into my account. I sent them the proper verifying I.D they asked for. While my state I.d . was cracked up top. it still had all the information visible on it. They are denying my verification because of it and now there are not allowing me with withdrawal my money. The state of Michigan is behind on getting I.D and appts into the secretary of State due to covid still. I do not know when I can get a new one, and I do not have a passport. They should not be able to keep my money till then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had an unauthorized transaction from my PayPal account for {$80.00}. I initiated a dispute resolution with PayPal but they rejected my claim stating that the payment appears authorized. It was not. I don't know the payee and did not make the payment. I have only had the PayPal account open for a few weeks. Each transaction I have made has generated an email to me informing me of the transaction. I received no email for this transaction and only noticed when I looked onto PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In 2017 we fell behind on our mortgage due to unexpected expenses and a slight reduction in income. We tried to get caught up and began making regular monthly payments of {$1400.00} ( almost {$150.00} extra each month ) in XX/XX/XXXX through our online bill payment through XXXX. We were 3 payments behind, but almost had enough in the unapplied ( XXXX ) to make up 1 full mortgage payment, then we would be under 90 days. I even spoke to customer service in XX/XX/XXXX and they explained as long as we did not go more than 90 days that was fine. We made our XX/XX/XXXX payment which would have brought us current for XX/XX/XXXX, but LoanCare returned this payment and told me they would only accept a full 3 months to get caught up! I was almost there now they do this!

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 2019-07-16
Company: Experian Information Solutions Inc.
State: NV
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 have been placed on a write in only status and the company refuses to allow me to call, view obtain or dispute information about my credit file.

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 2019-02-04
Company: Experian Information Solutions 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:
experian has refuse to invesitgate, verify, and delete negative accounts and hard credit inquiries on my credit file negative items and inquiries are not factual data unless verified

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 2019-02-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This company violated not only my trust but the law multiple times but the most recent event occurred on or around XX/XX/2019. On this date I received one of the many calls from Navient in regards to my private student loan. I spoke to a female representative in total around 30-40 min. I asked very specific questions in regards to bringing my loan current, and because of the the representatives response to those questions I decided to enter a payment plan. I paid a total of {$230.00} though the phone that day. 
A few days later ( After payment ) I realized responses to those questions were incorrect, misleading, and flat out lies. To name a few, 1. One I paid my account would automatically be brought current, and would be reported to credit bureaus. 
( turned out to just be misleading information given in order to collect payment ) In reality it would only be brought current after 3 payments 2. The payment I was making would cover all my loans ( minus Federal ones ) including the ones connected to a co signer. 
( Again Lies ) I was initially outraged by the blatant misrepresentation. I contacted Navients ' consumer advocate department as well as sent a letter outlying misleading acts to XXXX XXXX ( XXXX ). No response from XXXX ( as expected ) but the consumer advocate department reviewed the call and agreed that I had been given false information in order to collect the debt. But told me there was nothing they would do. 

I am very familiar with the FDCPA. I know that Navient is clearly in violation. I have gone through them to correct their mistake and they refuse. My problem is that I am concerned that they could be doing this to thousands of other loan holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
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. UPDATE OR REMOVE THESE 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 XX/XX/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 XXXXXX/XX/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 2018-01-22
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, There is a problem with my loans. They are inaccurate, and there are promissary notes that have note been signed by me personally. There needs to be a full investigation regarding this matter. This also includes, XXXX XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
ENCLOSED YOU FIND A FORENSIC AUDIT SHOWING THAT THE TRUST NEVER RECIEVED MY LOAN AND THAT THE SERVICER AND WELLS FARGO HAVE FRAUDED THE COURTS AND I WILL LOSE MY HOME BECAUSE OF THIS FRAUD

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 2017-07-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I have previously notified Chase Bank of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. Chase Bank opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. Chase claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. Chase claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a Chase Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge Chase to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted Chase from my number and I never went into a branch. I have literally never been into a Chase branch in my life. Chase is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from Chase in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ).  If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, Chase, XXXX XXXX XXXX XXXX, etc. Chase Bank is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. This will be the last complaint I file, the next step will be to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$21000.00}. 

By not replying in a timely manner to my initial letter on XX/XX/2021, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received mail from Citibank on XX/XX/2019 dated XX/XX/2019 welcoming me to my new checking account with Citibank. On that same day, I received bounced checks and several other pieces of mail regarding this FRAUDULENT account opened in my name with my SS # and address. I immediately phoned Citibank ( XXXX ) and reported that the account was fraudulent and was told that the account would be closed and the Credit companies contacted to report it was a fraudulent account. I requested a letter confirming this and was told I would be sent one ( I did not get the name of the agent ). I was told they would transfer me to the Identity Theft Department and when I got on the line with that dept. they would not answer any of my questions but rather told me that they are offering me a service to fix my identity theft ( XXXX ). I ended that call because I wanted to speak to someone who would tell me how this person succeeded to open this account ( ie. what information about me did this person have? XXXX. I phoned Identity Theft Solutions Dept ( XXXX ) again the next day and requested to speak to a Manager. I spoke with XXXX, and told him that I wanted to know how this person opened this account and what information did they provide about me other than name, SS # and address. He told me that he could not provide that information and also told me that he understood my frustration and would have someone call me back to answer my questions. I phoned again on XX/XX/XXXX, asked for XXXX and was told he was not available and I left a message for a call back. I never received a call back from either XXXX or the person that would answer my questions. On XX/XX/XXXX, I received a letter from Citibank telling me that the change of address I requested on this FRAUDULENT account had been changed per my request. I phoned ( XXXX ) to find out if the account was closed, provided my SS # and the account number and was asked for my security password. I explained I did not have the security password because it is a FRAUDULENT account and the agent would not tell me if the account was closed because she could not " verify me ''. I have made 5 calls with long holdtimes to Citibank and have never received confirmation that this account has been closed, that it will be retracted from any credit reporting or to receive information about how this person verified they were me when opening the account.

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 2018-01-25
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: Their investigation did not fix an error on your report

Complaint:
The referenced accounts have been reporting on my consumer credit file in error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Choice Recovery, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am showing that I have a debt with XXXX XXXX XXXX XXXX {$1000.00}. The problem is I never stayed at a XXXX XXXX or visited a XXXX XXXX, I have disputed this charge over and over and it has yet to be validated I do not believe this is a valid debt. I have always either had insurance or medicaid and this has never been billed to either one. The only reason I know about this is because it keeps showing up on my credit report I have no account number or date of service. All I can provide is a screen shot where this debt is showing as a collections account with Choice Recovery INC. How can a company just randomly add a medical bill that I have no idea about to my credit and never send me anything in writing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Third party agency furnished an account for me using my personal identifying information. Which is identity theft! 

There is no binding contract between me and this third party agency. 

This agency is also participating in solicitation as my personal information was sold to them or transferred. 

Pursuit 18 U.S.C. 1029

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I sent a certified letter to on XX/XX/2016 : Debt Recovery Solution XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX Plus all three CA 's over 30 days ago. Requesting VALIDATION OF DEBT and Assignment of Debt documentation. I have not receive a response and this account is still showing on my credit report. I supplied my ID, Social Security Card and Driver license.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX Was sent a debt verification letter in return they only sent a billing statement .Under the FCRA 15 U.S.C. 1681I. All  unverified account must be probably deleted

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 2021-12-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is loan from Usaa Federal savings for the amount of {$40000.00}, has been reported as identity theft this is inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Over 10 years I 've paid the loan balance of XXXX with the needle not moving at all ... in fact it 's gone up to now XXXX. In XXXX of 2017 I told Navient my income situation has changed ( co-signer now retired with 1/4 of previous income and me with job loss ) and they have not been willing to work with us. I 've offered to settle the amount and give a new, agree upon repayment so that the needle would move. The only offered " good faith payment '' options without providing any requested documentation that after 9 months of those, they would consider dropping an interest rate. They offered a " verbal forbearance '' period and are unwilling to send documentation on the details. Any time I 've asked for documentation about anything that could help, they 've declined. Repeatedly declined. 

Now we have been threatened to be sued and told we have already waived our rights to a Jury trial. Huh??? 

This is the most crooked system and exactly what 's wrong in our company. Please contact XXXX at Navient and others there. Employee # : XXXX ( collection manager ) XXXX In addition to all of this, the loan states that I borrowed from a school that is not even correct. This is the level of incompetency we 're dealing with. Even the very info they have on me is incorrect and something must be done. The harassment must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is mine.

Company response to consumer: Closed with explanation