BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied to qualify for PSLF in XX/XX/2016 and had my loans transferred over to XXXX XXXX from XXXX.

Currently, they are only counting 5 of my payments towards my PSLF payoff, 4 of which are under review.

I have made 15 payments under XXXX XXXX and made qualifying payments through my previous servicer, XXXX. My count should be in the 30s, not 5.

I've asked several times over several months for a count of my qualified payments. I have not received an update, except several payments made through XXXX are under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: PA
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:
XXXX has inaccurately reported my account as late for the 2nd straight month, this information is inaccurate and XXXX said they fixed this last month XXXX XX/XX/2021 ) and admitted they reported inaccurate information, yet today ( XX/XX/2021 ) I received notification that once again XXXX has once again flagged/reported my account as late, again this is inaccurate as my account is paid in full until XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Picked up said " hello? '' a man responded " hello? '' I said " hello? '' again and he said something I couldn't quite make out to the effect of " picked up phone. '' which indicates the use of a computer diler. 

I stated that I did not identify the debt and do not believe I owe the money also told the rep that she was calling my cell phone I she does not my consent to keep calling it. 
I Also requested that proof of the debt be mailed to me and to stop calling my cell phone. 
She continued her attempt to collect and I asked why was she ignoring my requests she then proceeded to tell me that if I wanted the company to stop calling I would have to sent a written request which I do not believe to be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX : XXXX After being financially impacted by Covid 19, I decided to go into deferment. We were current at the time. The deferment period lasted 5 months, from XXXX to XXXX of XXXX totaling {$9900.00} and not reduced since. 
A payment was made for XXXX on XX/XX/XXXX which is reflected in the XXXX statement. 
The following month a payment made and the statement XXXX dated XX/XX/XXXX ) also looks accurate. Same story with statement dated XX/XX/XXXX ( screenshot of payments are attached ). 
When it comes to XX/XX/XXXX, you will notice that all of a sudden a delinquency notice pops up and now there is a past due amount of {$3900.00} ( exactly 2 months of payments ). No warning, and no trail. 

The delinquency notice has activity listed which I still dont understand, saying various payments were applied to several months. 
A payment was made every month, and 3 made in XXXX to cover the {$3900.00}, but I still dont understand where it went to. 

I need that amount refunded.

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 2019-01-16
Company: Experian Information Solutions Inc.
State: NY
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 was a victim of identity on my credit report I called and filed out complnt with XXXX  but nothing has been done am trying to repair the damge plases if someone can look into these inquiry XXXX XXXX XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX also on XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/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 2019-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is with respect to interest fees in the amount of XXXX XXXX  and XXXX XXXX XXXX ( {$8.00} ) incurred on my CapitalOne Savor card account on XX/XX/XXXX. I have contacted the business concerning these fees after multiple issues with being able to pay my credit card monthly due to issues with the institution 's mobile app and website. I called into the bank with complaints of technical issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. The bank admitted to its knowledge of such technicalities with its mobile app and payment processing functions, but refused to reverse the interest fees because it had done so previously. I have a longstanding relationship with this bank, and am shocked at its response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16
Company: Experian Information Solutions Inc.
State: NY
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 was a victim of identity theft on my Experian report I sent letters but nothing has been done if you can please look into these inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/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 2018-06-14
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a complaint against XXXX XXXX and AAFES. I am in receipt of a statement dated XXXX XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for AAFES collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at AAFES. The system told me to call a different number which I did. At that point I was connected to XXXX XXXX. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.

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 2018-06-14
Company: Cawley & Bergmann, LLP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XX/XX/XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; XXXX responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with XXXX, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from Cawley and Bergmann reflects a different account number for the same account that XXXX is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is XXXX still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is Cawley & Bergmann offering a settlement on an account that is not verifiable? 

For the second account, XXXX merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XXXX XXXX states that a payment was due on XX/XX/XXXX, then how can XXXX say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that XXXX has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! XXXX nor Cawley & Bergmann provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, XXXX failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable. 

This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Experian Information Solutions Inc.
State: WA
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: Other problem getting your report or credit score

Complaint:
I am unable to get a copy of my credit report. XXXX and Experian both replied, " no credit report. '' I am trying to get a secured or non-secured credit card to build my history for a VA loan. I need something in hand to take to a bank or lending institution.

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 2018-05-07
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX of this year I discovered a {$380.00} charge to my XXXX XXXX ( NetSpend ). This charge was not of my doing and I immediately reported the fraudulent transaction to the debit card company. I was told by customer service that the vendor ( a company named XXXX ) would have to cancel the transaction prior to the money being released from " pending '' status. At this time I was told that such releases normally happened after three to five days. It was also at this time that the card was cancelled and I was furnished with a new card within a matter of two days. 

Since no efforts to resolve the situation were undertaken by the XXXX, I contacted XXXX via chat found on their website. My initial contact occurred on Thursday, XX/XX/XXXX, with a follow-up occurring the next day to inquire when the company 's security team would contact me. I was initially informed that a security rep would be in touch by the end of the XXXX, however I've never spoken to a security rep but was told on Monday, XX/XX/XXXX by an XXXX customer service rep named XXXX that the transaction was canceled and the status of the transaction should be lifted within three-five days. 

The communication between myself and XXXX occurred via email ( provided ) and each of these were provided to XXXX, however they would not accept them as proof. The company stated they required an official response by XXXX on letterhead before they would lift the pending status of the funds. It has now been 15 days since I first brought this issue to the attention of XXXX and it appears their intention is not to do anything ; to leave the issue unresolved for an indeterminate amount of time. XXXX ( NetSpend ) has done nothing to help and seems bent on treating me as if I instigated the initial transaction, which I did not.

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 2020-11-05
Company: Experian Information Solutions Inc.
State: NY
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:
THE XXXX. XXXX XXXX DEROGATORY ACCOUNT AND INQUIRIES THAT ARE REPORTING ON MY CREDIT FILE DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT THE ACCOUNT AND INQUIRIES BE INVESTIGATED AND REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2021-07-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper at sometime in XXXX or XX/XX/2021. The loan transfer effective date in XXXX XXXX XXXX XXXX 's statement is XX/XX/2021. The loan transfer effective date in Mr. Cooper 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The XXXX XXXX XXXX See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with XXXX XXXX XXXX and Mr cooper and I should pay nothing to Mr cooper. Mr Cooper refused to admit the fact and asked me to make the payment until today XXXX XX/XX/XXXX XXXX. I contacted Mr Cooper weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer. Mr cooper doesn't actively contact XXXX XXXX XXXX and refuses to further help me on this matter. 
Now, it is near the 60 days past the transfer date based on Mr. Cooper 's record, I request an immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received my XX/XX/XXXX statement from American Express and paid the balance of {$7300.00} in full and on time. I opened my XX/XX/XXXX statement expecting to see a XXXX balance - instead, there was an interest charge of {$60.00}!! I had made no additional purchases, which was confirmed on the statement. I called American Express XX/XX/XXXX and inquired how could I be charged interest on a XXXX  balance? The CSR stated it was trailing interest and I would be charged a late fee if not paid. I specifically asked if I would receive a statement with a XXXX balance and I was told yes, and I mailed the payment, on time. Today is XXXX-19 and I have not received a XXXX balance statement. First of all, I can not believe it is legal to charge interest on a XXXX balance. Secondly, American Express has habitually failed to mail my statements and I have called multiple times over the past 2 years having to request statements. I don't believe American Express is operating in good faith. It seems to me they are deceptive charging interest on a XXXX  balance AND they don't mail statements - which may be to generate late fees. I'm sure collectively, I have spent hours on the phone to request statements. By the way, I never made a late payment, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Since XX/XX/XXXX, I have been requesting COINBASE to transfer my digital ( crypto ) currency from out of their 'vault ' secure storage into my checking account ( also with them ) as I wanted to withdraw the same. This should have happened within 48 hours. On XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX and XX/XX/XXXX, I I Direct Messaged them on XXXX ( via XXXX XXXX  ) asking for someone to reply / respond / take up my case. I received no replies from them. On XX/XX/XXXX and XX/XX/XXXX, I emailed them about the matter after trying to call them ( using their no-help customer support line ). I finally received a reply on XX/XX/XXXX giving me advise on what to do to make the vault withdrawals happen. After following their instructions and reverting to them the very same day to say my transactions were still not happening, I heard from them on XX/XX/XXXX saying there was a technical issue and that a specialist would be looking into it. That was the last time I heard from COINBASE!!!. No amount of follow up emails have been responded to.

This is very shoddy operating practices being exibited by COINBASE and is completely unacceptable. They should not ignore customer requests not matter what their excuse is.

I urgently need your assistance in getting COINBASE to meet and properly complete my requests as they have caused me financial hardship. Their complete disregard and disdain towards customers should not be allowed to go unchallenged

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: FISERV INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm resubmitting from a previous complaint for these reference numbers, since I could not attach documents as a response on the original issue : CFPB Complaint # XXXX Original Creditor : XXXX XXXX XXXX 
Assigned Creditor : XXXX XXXX XXXX. 
Reference Numbers : XXXX -- -- - Original Complaint -- -- - On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered Lyft rides totaling to about {$55.00}. My bank has resolved a couple of the charges. However, on XX/XX/XXXX, XXXX XXXX XXXX collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.

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 2021-11-05
Company: Conn's, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. XXXX XXXX**** Balance : {$2500.00} ; 2. XXXX XXXX**** Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX XXXX three time {$34.00} for the Insuffcient Fee. XX/XX/XXXX one time {$34.00} ..I don't know the settlement date of the bank and the merchant. The account is not enough money and it is transferred to the merchant. Then I charge the overrun fee. It feels like a scam. I want to close the overdraft function and it doesn't work. The overdraft fine is not legal. It is simply a XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-02
Company: EQUIFAX, INC.
State: MI
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:
I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to XXXX XXXX. When I turned the vehicle in, the balance was and had always been paid in full, except when XXXX refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to XXXX but they are still reporting a negative account on my 3 Credit Bureau Accounts.

Company response to consumer: Closed with explanation