BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: Global Lending Services LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Global Lending is a fraudulent company they are trying to collect a debt that is not owed, they have no records of such debt and continued to allow this debt to be in my. Credit report. 

They have no valid information for me to investigate and they have not submitted to me any validation of this debt include signed documents and proven balance. This is not a valid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX I deposit a check for the amount of {$2600.00} I was told that the funds will be available to me in the amount of {$200.00} on the XXXX of XXXX and the remaining balance on the XXXX of XXXX. I then received an email at XXXX a.m. in the morning on the XXXX of XXXX saying my funds will not be released until the XXXX of XXXX due to a hold put on the check. I called Bank of America at theXXXX number given to me by the nice lady of XXXX, who did all she could at her level ; on the XXXX of XXXX inquiring why has there been a hold on my check they proceed to tell me first it was an unfamiliar check which it wasn't it was the fourth time I deposited a check from this employer, then they proceeded to tell me that the funds have not been released from the other Bank and once the funds have been released from the other bank they will release the funds to me which they did not do, then they proceeded to tell me on the XXXX of XXXX that it was the Federal bureau that was holding my money which I then called the federal bureau and I was informed that it is not them that hold the money it is the financial institution Bank of America which the federal bureau turned around and help me and showed me how to file this complaint on Bank of America the number XXXX was the number I was given to call and every time there was one of these excuses No One released my funds to me so now I am in a bind behind on bills child support and I have a job that requires me to purchase things that I need in order for my job to run smoothly they also charged me a {$35.00} fee for going into overdraft which I shouldn't have had at all in the first place so Bank of America is not the bank for XXXX it is a greedy bank for themselves and they're playing with people 's money probably centered around to one another between another to cover fees and cost and things for who knows who so to cover their button make sure that they have the money for whatever to loan people or whatever they take from other people other customers at least that's what it feels like I pray they don't do it this way but either way Bank of America sucks and I want out of Bank of America I don't want to have anything else to do with Bank of America and I've been a loyal customer for plus years and this is how they do me and I'm sure I'm not the only one. XXXX dollars a month and trusting them with our money for them to think they have control over our money they become too big of a corporate organization and do not respect the people and do not understand the people it's very sad

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 monetary relief
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: WI
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:
These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from XXXX.. 
XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA 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 2022-08-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This credit reporting agency is in clear violation of their own policy on top of violating portions the US Code. Upon speaking with an agent who referred to herself as an expert she refused to provide the information requested as it is not available and does not exist. Their privacy policy states that they must retain and provide a copy of the consumer consent that was provided from the companies in which they are giving non public information upon request from the consumer. They can not provide this as it was never obtained from said companies. Upon speaking with another agent he wasnt even aware of the policies in which he is required to perform under and informed me that I had to provide police reports in order to gain a copy of that information that is pertaining to myself. He also informed me that their company is not able to control, add, nor delete the information which they allow to be reported on my consumer credit profile. Upon this issue happening in the past the agent I spoke with was aware of policy and federal law and did her due diligence and corrected the issue at hand at that time. Also, there are derogatory accounts showing that should not be but this company refuses to conduct proper investigations in order to verify the validity of them, as again that is something they can not do. Per US law they can not just communicate with the creditor in question and return to me an answer that the account is validated. The policy and laws are still the same, however I am continuing to get agents who do not abide and create more stress and problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I contacted Capital One to send my lien release for the loan I paid off. Capital One instead sent me a lien release of a prior " re-financed '' loan which indicated that the lien was released to a different company ( which it was at the time ). However, I ultimately refinanced the same loan with capital one again and then paid it off. 

I need the final payoff title and lien release for the second loan I've had with capital one. 

When I called capital one autofinance and went through the prompts - the prompt indicated they could not take my call right now and hung up on me. 

I need the FINAL payout lien release and title sent to my attention as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Navient Solutions, LLC.
State: NH
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:
I have been dealing with Navient since they took over from Sallie Mae. At one point when we were struggling financially after my husband lost his job, I asked for help and Navient never let me know of any income based repayment plans, I was only steered towards forbearance and, during this time of forbearance, they charged two late fees even though I wasnt supposed to be making payments. When I would ask about the Public Service Loan Forgiveness program, I was misguided and even just recently I asked about this and was told I could just try for Economic Hardship. I have now completed an application for Direct Loan Consolidation after learning that my loans never actually qualified for the PSLF, after all this time, and I have spent YEARS working in a qualified public service job. Needless to say, since Navient took over from Sallie Mae, this has been a nightmare and Ive been paying on my loans FOR YEARS and I owe more on them now then I did years ago. To top it all off, now Ive learned that a settlement has been reached with Navient however only 39 states will be involved in this, despite the remainder of us in the other states who have been taken advantage of all this time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a loan with this company in XXXX and it went to collections and it is now on my credit report. I have emailed this company in the past and have sent letters about paying the debt and having it removed from my credit reports. I emailed them again on XX/XX/XXXX 2 different times and the last rep stated to me i was being helped with someone from another department and that i would get a response back. i havent heard anything at all and i want this removed off my report. I stated i would pay what i had remaning but i wanted it to be removed and no one has gotten back to me at all. I have been waiting.I have not gotten any correspondence via email or mail or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Hello- I have a student loan with XXXX . The account is reporting on my credit report twice. One I  am paying and is current on and another that is closed. On XX/XX/XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. XXXX closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XX/XX/XXXX. I am requesting that the old loan be deleated from all 3 credit files. 

Thanks!

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 2022-01-14
Company: Experian Information Solutions 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:
Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, XXXX and Experian ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.

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 2022-01-14
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:
Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, Equifax and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage XXXX & XXXX and now XXXX is in effect. This system acts like the XXXX and if they can't get it together the courts will .... I had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Dyck-O'Neal, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I gave the company Dick O'Neal information that the debt that they were collecting was discharged in Bankruptcy. They verified the information last year and changed the information on my credit reports. Now they have went back and mark the credit lines items as being an 180 days  late and made them as active on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: First Associates Loan Servicing LLC
State: OR
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:
I would like to request an investigation be launched into the lending practices of Peaks Private Loans. I submitted a complaint with the CFPB on XXXX XXXX, 2017 and received a denial reply from Peaks Private Loans. I was misled by XXXX XXXX XXXX to apply for loans which I was not, and never will be, able to pay off, due to the level of education and resources given to me by XXXX XXXX XXXX. Due to my income level, I have accrued an overwhelming amount interest on my loan and my loan is becoming increasing improbable to be paid off. Peaks Loan refuses to work with me to pay off my loans in a reasonable way. I have exhausted my forbearance allowances with them and my income-based payments will never pay even the interest accrued on my account. I have been trying to make the minimum payment each month but it is only going toward my interest. I now owe much more money than I borrowed and the principle balance has gone down very little, with the interest being thousands of dollars. I have paid Peaks Loan thousands of dollars over the last few years and have nothing to show for it. I borrowed this money in hopes of bettering my future and becoming a useful member of the job force but I am not working in the field I studied for, due to the lack of education given to me by XXXX. I have spent thousands of dollars in paying back the interest accrued on my loans for a degree from which I have not benefitted. I am in debt for a degree which is not very helpful in getting me jobs, from a school that was shut down because of predatory lending practices, and have ever-increasing interest from a company that lent me money knowing I wouldnt be able to pay them back on time. I contacted Peaks Loan through CFPB, bringing to their attention the sneaky ways in which they lent me money, and was sent a firm denial in return. I ask that your organization investigate their lending practices and refusal to work with my balance due, in light of the recent exposure to XXXX predatory lending practices, with whom Peaks Private Loans was involved. The education I received from XXXX was not sufficient to prepare me for the job market, the market which would afford me the salary to pay off my loans, that they promised. Please help me to be the asset to the economy which I sought to become when I borrowed from Peaks Private Loans. Thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021 I sent from my digital wallet a cryptocurrency named compound ether to my coinbase exchange wallet in the amount of XXXX XXXX ( valued over XXXX usd at the time ) so I could withdrawl. I waited over an hour and it never showed up in my coinbase exchange wallet. That same day I emailed coinbase and explained my problem and email after email all the responses were That cryptocurrency is not supported on coinbase and that my tokens are lost and they kept referring me to the user agreement with language basically saying its my fault. But the transaction went through and it is on the digital ledger and they wont help me and they will not return the currency from its origin. Its not right that a transaction can go through without warnings saying your tokens maybe lost and coinbase refuses to help or send back the coin that is basically stuck in limbo on thier servers. Please help, Ive been on many XXXX pages with numerous customers that endured the same hardship that I am currently going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Conn's, Inc.
State: AZ
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:
My name is XXXX XXXX, I had an account with Conns for a Laptop. I lost my job and fell behind on my debt. I was turned over to collections. I then got a job, a Great job and am now buying a home. In the beginning of the loan process I settled all my debt including Conns. 
I received a letter from creditor saying the debt is satisfied and will be removed from my credit report. Fast forward ... ..less than 2 weeks before my closing date on my home. Credit report is pulled and Conns is still reporting the debt. I called Conns on Friday XX/XX/18 I spoke with Mngr XXXX who assured me it was Conn fault and the would send via email a letter stating the account is satisfied. I did not get the email. I called Sat the XXXX and was told that yes Conns would send an email BUT it could take 72 hrs to receive the email ... .of course I wasn't happy but Conns does not care!!!! Fast forward to XX/XX/18 ... .Still have not received the email. I called Conns again. On the phone 3 different times. They informed me that they will not send an email. They said the letter had to come from XXXX XXXX ... I told them I have that already and I just need the email they promised me. They said no. Conns is prohibiting me from being able to close on my home with the better interst rate. I told them I just want what for XXXX days they said they would provide. This should have been removed from my credit report MONTHS ago. I JUST NEED AN EMAIL stating it is satisfied that's all ... .It has to come from Conns .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In late XXXX early XXXX I was contacted by Capital One for a credit card debt. I spoke with a woman and manager at the time about a lump sum payoff. The communication moved to XXXX XXXX XXXX for XXXX. I was told that for both credit card balances I could receive a lump sum payout and if paid on time they would cancel the debt. I was given to dates to pay which then complied. I later received a letter claiming only XXXX account which entirely incorrect. I proceeded to contact the both companies where they passed the blame for the communication several times. I finally got fed up and decided to pursue other avenues. I contacted a woman who works with credit and paid her money which turned out to help me get several things cleared up but not the card situation as the company continued to state that i did not complete the payout for both cards as verbally discussed. I did my due diligence and requested information in writing however they refused to do so until after payment of {$1600.00} which I felt pressure to do so and was able to make happen at a time very traumatic in my life. Fast Forward to now and I am being falsely reported to credit bureaus for be delinquent when this matter has been solved since around XX/XX/XXXX. I want to make aware of their practices and shady business transaction to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: USForex Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2012, OFX, a company with address at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX, transferred {$22000.00} from my bank account to transfer the money overseas based on my request. 

After they took the money from my account, OFX inform me that they can not perform the money transfer due to some undisclosed compliance reason. When I request OFX to sent the money back to my bank, they again tell me that they can not do that due to some undisclosed compliance reason. OFX said I have to get my bank, XXXX XXXX XXXX to request the money be send back. I spent a month going to my bank branch and calling various department in XXXX only to be told that XXXX can not help me with this transaction. It is now over a month and I have no way to get my money back from OFX. I don't know if this is a scam that OFX run to keep my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a {$300.00} bill with XXXX XXXX on XXXX which I paid ( receipt attached ). Medical Data Systems has put a collection on all 3 of my credit reports. I've sent Medical Date Systems and all 3 credit bureaus a copy of my paid receipt and they would not delete the collection from my credit reports.

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