BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a private student loan that was charged off around XXXX. The original owner of the loan was XXXX XXXX XXXX South Dakota, XXXX, and the loan was taken out in XXXX. Section M ( 8 ) of the loan documents state that the loan is not dischargeable in bankruptcy during the first 7 years of repayment. In XXXX I filed bankruptcy and this loan was listed as a debt. My bankruptcy was XXXX on XXXX/XXXX/XXXX. Soon after my discharge, Navient began to report this account as a charge off on my credit report. I sent a letter explaining that the debt was XXXX in bankruptcy. Navient responded that the debt is not dischargeable under bankruptcy, however, their letter referenced loan # XXXX which is a federal student loan account that I have with them. This private student loan is reporting as loan # XXXX. Navient has also changed the charge off date on the credit reports from XXXX XXXX to XXXX XXXX. I know that the debt was originally charged off around XXXX or perhaps earlier. I again wrote Navient, asking for proof that they own the debt as well as a complete payment/account history of the loan. To date, their only response has been a letter instructing me to call in. I have tried calling in to request these documents on several occasions to no avail. I am constantly put on hold and then no one returns to the phone. Based on a recent statement from Navient, they are now including the charged off amount in my current balance, bringing it to {$48.00}, XXXX, while still reporting the charged off debt with a balance of {$12000.00}, which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Was not notified of investigation status or results

Complaint:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " DPT EDXXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 


DPT EDXXXX XXXX Balance : {XXXX} DPT EDXXXX XXXX Balance : {XXXX} DPT EDXXXX XXXX Balance : {XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been hit with 2 " priority service fees ''. My Payment Due Date is the XXXX of the month and I sent my last payment ( due XX/XX/XXXX ) on XX/XX/XXXX, electronically, and was hit with the most recent of the 2 fees. The first fee was against a payment sent on XX/XX/XXXX ( due XX/XX/XXXX ). I have paid the increased fee amount every month since the fee was assigned and they won't clear it off my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: MO
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 am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and XXXX XXXX ( acct # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2021 I set up a Coinbase XXXX  and purchased XXXX  and XXXX XXXX, I subsequently tried to sell the XXXX and XXXX XXXX a few days later. Coinbase XXXX did not let me sell the XXXX XXXX as they were " Unable to Determine Fee ''. I tried to sell the tokens for several days, and then filed a complaint with Coinbase that I could not sell the XXXX XXXX asset. They provided several steps to try and rectify the issue, and I followed their instructions, but the problem persisted and I was still unable to sell. The value of the asset dropped from around {$13000.00} when I tried to sell, to a current value of {$5500.00}. 

Additionally, XXXX suggest I transfer my XXXX XXXX assets to a different digital wallet provider, essentially removing them from any responsibility to pay reimburse the lost {$8000.00} due to their system error ( I have this in an email from them ). Throughout this troubling process, I could always purchase more XXXX XXXX if I wanted, but still couldn't sell any, which certainly looks extremely shady on Coinbase 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-05
Company: SYNCHRONY FINANCIAL
State: NJ
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 took a loan of XXXX with Care Credit card to cover a dental bill. I was told I had a year to pay it off, after that I would be charge a 26 % annual rate. I thought it was alright. However, either I did not heard or I was n't told that that rate would be charged to the whole loan amount. I was under the impression that the rate was going to be applied to the remaining of the loan. In my case I was {$370.00} away from finishing. It does n't seem fair to pay XXXX more, now having a balance of XXXX. 

I consider unfair to pay such amount of interest rate, when the balance is so low. I feel like I hurried as much as I could to pay off the card, all for nothing. For many people, XXXX might be nothing. Not for me, and many like me that live check to check trying to keep my head over the water. 
I called the company on XXXX-XXXX-2017 at 1:4 aprox. I was not offer any solution. 
I know the return message will say that I am to blame. Fine. I insist, having paid 93 % of the loan means nothing to the bank.

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 2017-10-05
Company: DISCOVER BANK
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter from DISCOVER dated XX/XX/XXXX in which I was asked to provide updated information on " citizenship and occupation ''. It was stated in this letter that this information was needed " to meet government guidelines that prevent money laundering and terrorist financing ''. I was provided a choice of either going online or calling the number on the back of my credit card in order to provide this information. 
I did neither! I was appalled at what was being asked of DISCOVER customers! 
It is a known fact that questions about citizenship and employment/occupation are requested when one first applies for a credit card. I was also informed that the only government required information from a credit card customer is an actual physical address ; this being an outcome of XXXX when terrorists were using PO box addresses. 
I contacted XXXX by phone on XX/XX/XXXXand sent an email to them to report what I felt was overreach, potential profiling and misleading content in the DISCOVER letter which could cause individuals to provide this information believing that it is by government mandate when it clearly is not. I also addressed this issue directly with a DISCOVER representative in a recorded phone conversation onXX/XX/XXXX. I have further addressed this important issue with the Better Business Bureau and now with the CFPB - both as of today XX/XX/XXXX. My purpose is to enlighten consumers as to what is being asked of them by DISCOVER and how it is being asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Bison Recovery Group, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
RE : The Bison Recovery Group, caller id:XXXX. number left : XXXX They have made frequent and repeated calls 3 or 4 times a day.
They have called multiple times before XXXX and after XXXX.
They have call relatives at XXXX or XXXX asking for me, discussing the collection and threatening.
When I told them to stop contacting me and my family, they continued harassing us. They used obscene, profane, and other abusive language.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to dispute the following information that Infiniti Financial Services provided to XXXX. 

This 30-day late payment is inaccurate because I was setup on automatic payment draft and my payment should have been drafted. 

Furthermore, I spoke with an associate at Infiniti on XX/XX/19 when I noticed that the website was showing me past due. This associate spoke with me on a recorded line and confirmed more than once that I would not be considered 30 days late because I called and made both payments for XX/XX/XXXX and XX/XX/XXXX on the 30th day. 

I am requesting that Infiniti Financial Services pull this recording for verification and have the 30 day late removed from my credit report to correct the information. I have always paid on time with them and I have excellent credit. 

After I heard back from Infiniti Financial Services that they were not going to remove the late mark on my credit. I sent a certified letter on XX/XX/2019 requesting that they re-review. I sent it to this address : Infiniti Financial Services Attn : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Texas, XXXX, but have not heard back and my credit score dropped significantly due to this 30 day late mark. Over 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, Please could you help. I have contacted Shellpoint Mortgage/NewRez multiple times about money owed back to me but they keep ignoring me. I refinanced out of my former loan with them ( loan # XXXX ) on XX/XX/XXXX - per the attached is the wire payment of the loan in full from the escrow officer. 

The payoff statement calculated by Shellpoint Mortgage for a loan payoff date of XX/XX/XXXX was provided by Shellpoint Mortgage ( attached ). The loan was however paid off 8 days early per the wire instructions email from escrow. There is a {XXXX0} daily payment on the loan, so since it was paid 8 days early, {XXXX} should come back to me. Instead they sent me a check on XX/XX/XXXX, almost 3 months later for {XXXX} ( attached ). 

I have reached out to them multiple times but they dont do anything and just ignore me. They are stealing money. 

They have on occasion sent me a secure message by email but the link never works and I have told them about it but they ignore that too. 
XXXX XX/XX/XXXX I received a secure message - I click on it within minutes of receiving- but it says " The file link is no longer valid or has expired '' - On XX/XX/XXXX @ XXXX I receive another secure message - click the link at XXXX - but it says " The file link is no longer valid or has expired ''. I email back - no response ( email attached ) On XX/XX/XXXX @ XXXX I email following up again - link does not work- and I am ignored again ( email attached ). 
Time and time again they send links that cant be opened. They ignore me when I reach out and months later they don't give people the money they owe. They are stealing money and ignoring clients when they reach out. 

Please can you help since they are unresponsive. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My husband & I took a Home Equity Line of Credit with US Bank in XX/XX/XXXX. We also took joint life insurance and disability on my husband, XXXX, with the initial loan. My husband had used the insurance for a XXXX XXXX about 10 years ago & I believe the insurance paid slightly over one monthly payment & then luckily XXXX went back to work. In XX/XX/XXXX, XXXX was hospitalized in XXXX for 45 days, placed in a XXXX on a 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.
In XX/XX/XXXX I called US Bank to file a claim for XXXX  payment on our Home Equity Line of Credit. The USB representative told me that credit insurance did not include XXXX payments. I asked him to check the original note as we had used it once before. The monthly payments started after much documentation from XXXX XXXX XXXX XXXX to US Bank. We file a doctor form almost every month and the Insurance company sends an ACH credit directly to US Bank.
The problem I am having is not understanding the Payment credit once US Bank posts the payment. There is always a lapse in time from the date XXXX XXXX sends the credit to the date applied at US Bank. Sometimes US Bank back dates the payment & sometimes it does not. Without dates it becomes almost impossible to assess what payment date the insurance payment is crediting to which US Bank monthly due date. I have contacted the Branch Manager, XXXX XXXX and the Personal Banker, XXXX XXXX at my local US Bank in XXXX, WI. Both have tried to help make sense of the payment applications. They have both worked together to get an answer from a division of US Bank titled CLLO, Consumer Loan & Lease Operations Department. The local staff concurs that the information online and on our home equity line of credit statements do not make sense. At times I have a payment due & other times I do not. I have paid them & then had the payment reversed, I have had 2 late charges, one refunded, one in process of refunding for over a month, still showing on my online bank site. I had had automatic payment until XXXX XXXX started to make payments and then US Bank removes the Auto Pay option. I have no complaint what-so-ever with the local bank staff ; however, if the numbers, dates & dollar amounts paid by XXXX XXXX XXXX XXXX do not make sense to me, the bank employees who have tried to help and there is still no help from the specialized division of US Bank, I am left with questions. Is the credit being applied accurately? Is this happening to other US Bank clients? Numbers should make sense and eventually provide a full, clear & concise picture of all transactions. I have been asking for help for 1 year & 8 months.

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 2022-04-05
Company: CITIBANK, N.A.
State: MT
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 am writing to raise a complaint about my Citicard. The details are laid out in the attached XX/XX/XXXX letter. In short : o I replaced my credit card ending in XXXX in XX/XX/XXXX as advised by a Citicard customer service representative to prevent an exorbitant charge of {$500.00} by Events XXXX XXXX from being made. Despite this, {$500.00} was charged to my new credit card ending in XXXX, without my authorization. 
o I have twice been promised by Citicard customer service representatives refunds of the {$500.00} charge. These promises were made in late XXXX and in late XXXX, but these refunds were never provided. 
o I wrote to Citicard Customer Service detailing my complaint on XX/XX/XXXX, but have never received a reply. See attached copy of letter sent to Citicard Customer Service, po box XXXX, XXXX XXXX, SD XXXX. 
o I canceled the card ending in XXXX ( and permanently closed my credit card account with Citicard ) on XX/XX/XXXX, explaining the reasons to Citicard, but again got the run-around from their customer service. 
o I hereby request that you request Citicard to refund to me the amount of {$500.00} charged to my credit card ending in XXXX without my authorization. In addition, Citicard should provide some compensation to me for the hours I have spent trying to resolve this problem. 
o In addition, I request that you ask Citicard to take steps to ensure that promises made by their customer service representatives are honored ( Citicard should check and provide their recording of my numerous conversations with them ). Citicard should also take steps to ensure that written complaints receive a response. 
I look forward to hearing from you.

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 2022-08-05
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX

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 2019-08-07
Company: Experian Information Solutions Inc.
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:
XXXX XXXX account number XXXX in the amount of {$3700.00}. I have no knowledge of this account please remove.

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 2022-04-05
Company: The Leviton Law Firm, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call on XX/XX/2022 at XXXX from XXXX XXXX XXXX Leviton Law . He claims I owe over {$6000.00} on an insurance policy from a company through which Ive never been insured. He stated I could call back to remit payment. I received another call on XX/XX/2022 at around XXXX claiming that if I do not pay the amount, he will begin litigating against me. I have never been notified through email or letter, and he has never stated my name in the voicemails hes left. Ive never heard of the insurance company he says I owe money to, and I can not find them on the internet anywhere. Hes never even stated the exact amount owed- just always says over {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions Inc.
State: GA
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:
section 1681 of the fcra governs permission given to any company to check my credit report only by signed contract not from any other source my credit has several unauthorized inquiries that are illeagally reported

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 2017-09-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received a call from Chase Amazon Visa asking me to call them back today ( they left a message on my vm ). After 6 ( SIX ) calls and at least 45 minutes on hold, I am no closer to understanding what the problem is except it involves some sort of charge dispute. The last person I spoke with identified homself as XXXX XXXX from XXXX OH, and he placed me on hold for 14 minutes straight. I would like Chase to reapond to calls without placing customers on hold, and find out why they called me in the first place.

Company response to consumer: Closed with explanation