BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
As many filed complaints against XXXX XXXX XXXX, why this vehicle lender does n't want to reduce my interest of 17 % on my vehicle loan. 
My balance on my vehicle loan keeps rising and there is no remedy for my issues. 
XXXX XXXX and law firm are stating there is no remedy and I am not eligible for a rate reduction. 
Federal Government should regulate Prestige lending practices so Military Veterans and Citizens in the community does n't have to go through the dilemas I am going through. 
There is a {$480.00} collection that Prestige is going to report to XXXX, XXXX  and XXXX and put negatives on my credit report. 
I am XXXX XXXX and XXXX and a US Military Veteran. Plus Divorced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Information belongs to someone else

Complaint:
This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2018-01-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have sold crypto-currencies on XXXX ( trading arm of CoinBase ) and I currently have about 1,000,000 EUR of fund. Unfortunately, it is only allowed to withdraw XXXX EUR a day. 

The company has a process for increasing this amount and promise to come back to his customer within 10 days. However, after a month, I still do not have any answer. 
I tried to contact them via their online ticket service but I received no answer. 

I tried calling them as well. I got connected to a representative who acknowledged the amount of fund on the account but then put me on hold and hung on me. I tried calling again but I never managed to get any representative again. 

At this point, they are holding my fund without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received many calls from PHH mortgage, offering me a reduced interest rate ( from 5.97 to 4.19 ) and a reduced premium over approx remaining period ( from {$1900.00} to {$1400.00} ) I closed on XXXX XXXX, 2017 and my first payment of {$1400.00} on XXXX XXXX, 2017. In mid XXXX I received a letter from PHH that due to escrow shortage my XXXX payment would be {$1800.00}. This unplanned amount was debited to my bank account on XXXX XXXX,2017. I am retired and on a fixed income so I had to rearrange my finances to cover this overage.
I called my loan officer, XXXX XXXX, who showed absolutely any interest in my dilemma but referred me to the escrow department. After spending over 20 minutes with the escrow representative, I was unable to get an explanation for the increase. I however questioned a item on the escrow statement that said escrow refund. The rep. then put me on hold to investigate. After about 5 minutes on hold, the phone mysteriously disconnected. I again left a message for the loan rep. No response. I started investigating my options.
Then in mid XXXX, I again got a letter from PHH that due to escrow shortage, my XX/XX/XXXXpayment will be {$2400.00}. In less than 90 days from closing my monthly mortgage payment has increased almost {$1000.00}.
Again, I contacted the escrow dept and again after some time on the phone I was put on hold and the line disconnected again when the escrow refund was mentioned. This seems to be a business practice of PHH. I am in a worst position now than when PHH offered me this relief.
I was informed at closing that my projected escrow shortage was {$15.00} PHH has had my mortgage for over the last 10 years and my taxes have not gone up. Actually they decreased over the last two years. My insurance has remained the same so I ca n't understand these escrow problems and can not get an explanation from PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Related cfpb Case # XXXX Office of Controller of Currency Case XXXX Wells Fargo latest response dated XX/XX/XXXX, clearly shows their error yet they don't notice they made said error. 

1 ) Exhibit 1 : Letter XXXX : Page 1 last paragraph, 2nd to last last sentence clearly defines Wells Faro error : " We confirmed all documents match for vesting as indicated on the Uniform Residential Loan Application that was completed '' 2 ) Exhibit 2 : Uniform Residential Loan Application : Top Section 2nd to last line : Left Box : Title will be held in what Name ( s ) : XXXX XXXX and XXXX XXXX Next box : Manner in which Title will be held : Joint Tenancy XXXX XXXX signed said Document XX/XX/XXXX XXXX XXXX signed on XX/XX/XXXX XXXX ) Exhibit 3 Original Vesting was Joint Tenancy per Reconveyance. 

Problem : Wells Fargo put vesting of Title ( Grant Deed ) as Tenant in Common Wells Fargo changed Tenancy and after Parents died XX/XX/XXXX I discovered said error so I a XXXX personI no longer owned my home. ( Documents were sent to Wells Fargo not me ) See PDF called : Granted What should be in Grant Deed they say they don't create yet they caused the issue to change it to Tenancy in Common v Joint Tenancy as Wells Fargo previously citified on Exhibit 3, yet was in Uniform Residential Agreement.

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 2017-07-27
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I filed for Chapter XXXX bankruptcy due to my mortgage payment behind with at the time XXXX XXXX. The court was given an amount for my arrears balance and I was required to continue to make my monthly mortgage payments. At that time with XXXX. Mid XXXX I received a notice that my loan was now being serviced by GreenTree. So I began to make my mortgage payment via bill pay to them. Payments on the arrears balance came from the trustee and I made my monthly payments. At one point in late XXXX I became unemployed and I fell behind. My attorney work with the mortgage servicer work out an agreement in XX/XX/XXXX where I paid one catch up payment of XXXX and an additional payment of XXXX each month for six month. Thankfully my bankruptcy was discharged and paid in full XX/XX/XXXX. However, at that point the mortgage servicer has now changed their name to Ditech. After 40 months in bankruptcy in XXXX Ditech submitted to the trustee that I still owed 4 months of payments. I contacted my attorney and the bankruptcy department at Ditech and ask for someone to please explain how this was possible. I made all of my payments and I request a payment history from the company. Each time I requested documents or spoke with anyone the balance of what I " owed '' changed. I filed a formal dispute with the company via phone, and given the lack of cooperation I resorted to shame tactics on XXXX. Since XXXX I have tried to get a straight answer out of Ditech. I received only one detail email response back from the company and all of their information and dates on the email were incorrect and did not reflect payments I made. In additional I pointed out that their information in the email was completely different than the payment history I finally received via mail. It is now the end of XXXX and there is still no resolution. Ditech/Greentree received fines by this agency and the Federal Trade Commission just two years ago for these same tactics. Poor recordkeeping, collection notices sent while the customer is disputing the debt. Nothing seems to have changed with them. But I know it is unreasonable to expect me to pay back monies I already paid due to their poor recordkeeping. meanwhile I am still making my current monthly mortgage payments each month only to have the monies applied to an arrears balance that is not accurate and that I do not owe.
Attached are copies of the Order Denying Motion for Relief from XXXX-My written dispute letter with Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions 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:
I submitted a letter including a signed settlement and release of claims to get an account that was agreed upon by the US COURTS to remove with payment of this account. Ive requested this 3 times and there has been no investigation, no communication. Please see attached documents.

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 2019-01-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Around in XX/XX/XXXX and XX/XX/2018. I called in regards to lower my monthly payments. I submitted my pay stub from XXXX XXXX and I made {$12000.00} this year. After I applied for the income driven repayment plan, they decieved me and said that i could qualify for $ XXXX/month for a year. They lowered my monthly bill but only to the point that it calculates out that i made {$22000.00} that year. I did not make {$22000.00} .... i made {$12000.00} as stated in the pay stub. This is unfair and it should be based on my real salary. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: U.S. BANCORP
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
U.S. Bank is harassing me, calling me after I obtained an attorney, the attorney sent U.S. Bank a letter, and more than XXXX U.S. Bank representative said I committed fraud. 

They are now calling claiming ignorance, saying sorry we just need your address and they know nothing of what is happening. 

I have also filed a complaint and asked for an investigation with the State 's Attorney Office, the SEC, and my insurance company. 

These people at U.S. Bank are abusing their power with my banking details, referencing transactions in my personal account, and threating me with jail and investigations. I want the phone calls to stop immediately. 

They have also deleted and or froze several of my accounts and even renamed XXXX account to a XXXX. I have the original statements that do not have the XXXX designation. They are altering banking documents!

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 2017-07-27
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My name is XXXX XXXX. This complaint is regarding FedLoan Servicing.
In early XXXX, I submitted documentation to switch some recently consolidated loans to the Pay As You Earn payment plan. It is now late XXXX and I am still not switched over to the new payment plan. I have been forced pay over {$1000.00} more on my loans than what I should be paying under the Pay As You Earn plan. I call every few weeks and they say that they will " have it handled soon '' and that 's the only feedback I can receive from them. I am participating in the PSLF program so I am unable to pay their suggested forbearance rates as they do not count towards my 120 payments. The policy says that it should take 7-10 business days to process a repayment plan change. It is nearly 100 days since I have record of FedLoan Servicing receiving the application to change to Pay As You Earn. I 've attached a picture of the certified mail receipt corroborating this. FedLoan Servicing did not even acknowledge receiving my repayment plan application until XX/XX/XXXX, or nearly 60 days after they actually received it.
While the standard policy is that I only have to make one standard repayment to switch, I 've been forced to make 3 to 4 standard repayments. I have contacted them repeatedly over the past 100 days and have never been able to get my application processed. This is incredibly frustrating, especially since this is not an easy process to begin with and I have done all of my due diligence to get these applications processed.
I will at some point have to consider legal action as FedLoan servicing refuses to process my application, costing me hundreds every month and preventing me from making progress against my PSLF program ( which is a major reason why I have chosen to work at a non-profit ).
I desperately need someones help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: National Credit Systems,Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from National Credit Systems Inc stating that I owe {$2200.00} as un paid balance from XXXX XXXX XXXX. The letter states that since I have failed to make suitable payment arrangements that they are going to be filing the debt with all 3 credit agencies. I was never given my chance to dispute the validity of the debt. Which I firmly dispute. 

XXXX XXXX is currently in possession of 2 months rent in check form that was given to them prior to my eviction. They evicted me because they state the are unable to accept checks. These checks have never been returned to me and are still out standing. 

I dispute the amount, the times, that fact that I was not given a chance to respond and that this debt is reportable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Transunion about being a victim of their inquire issues. There are hard inquires put on my credit report that I have no knowledge of, nor did I give my consent. 
Section 6 11 states " Anything deleted then reinserted, needed to send a letter by mail within 5 days '' and I never received any letter or notification. Customer service wouldn't fix these issues. 
Hard inquires 1. XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2.  XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7.  XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I expect to get these hard inquires all removed within 30 days. This is an insane amount of hard inquires i did NOT make, nor approve of. These are all a mistake and was added to my credit when they shouldn't be. These hard inquires are affecting my score negatively.

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 2021-12-22
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 1.DEPT OF XXXX XXXX Amount : XXXX 2.DEPT OF XXXX XXXX Amount : {$5600.00} 3.DEPT OF XXXX XXXX Amount : {$1600.00} XXXX OF XXXX XXXX Amount : {$2300.00} The above accounts reporting on Transition is reflecting a completely different account number on XXXX and XXXX : XXXX PER the FCRA XXXX this is inaccurate reporting and needs to be removed. Why is XXXX stating a different account number? 

After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In all my credits reports appear that I authorize to request my credit report to different banks when I did not authorize this. The companies are : 1. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX-XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6.XXXX XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX 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 explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have had a fraud alert with the credit bureaus ; specifically Equifax since XX/XX/XXXX. I have completed an identity theft report, police report and affidavit that has been on file with Equifax and the company has all my information. I submitted a request in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for Equifax to block reporting information per the Fair Credit Reporting Act ( XXXX  ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] due to identity theft. Equifax has ignored my requests repeatedly. However, I was under the impression that this information was blocked because the information was not reported on my Equifax credit report through XXXX credit monitoring company. When I learned of the Equifax data breach, I retrieved another Equifax credit report ( free ) through Annual Credit Report and Equifax did not block the fraudulent information and it still remains on my report. I contacted the Fraud Victim Assistance department on XX/XX/XXXX and was told by an agent that the was not fully blocked from my credit report. After contacting Equifax for three months, this agency is still in violation of law and refuse to block fraudulent information from my credit file. More importantly, this information could negatively affect my employment from federal background investigations and obtaining credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT ABOUT THREE TIMES IN THE LAST FIVE YEARS AND HAVE ALERTED THE CRA. THERE HAS BEEN NUMEROUS FRAUD ALERT PLACED ON MY CREDIT FILE DUE TO THIS. MY MAIN PROBLEM WITH THE CREDIT REPORTING BUREAU IS THAT THEY HAVE REFUSED TO DELETE THE ENQUIRIES EMANATING FROM THESE FRAUDULENT ACTIVITIES.
I CALLED ALL THE BANKS AND OFFICES THAT ACCESSED MY PROFILE ABOUT THE UNAUTHORIZED ENQUIRY. I HAVE ALSO ASKED INFORMED XXXX FOR A DELETION OF THESE ENQUIRIES WITH NO SUCCESS.
FIND BELOW THE INFORMATION OF THE UNAUTHORIZED ENQUIRY : 1. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3.XXXXXX/XX/XXXX ( Bank can not find any record of this inquiry ) 4 Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5.XXXX : :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 explanation
Consumer complaint received 2019-09-26
Company: Westlake Services, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2018 when I purchanced a XXXX XXXX XXXX XXXX XXXX # XXXX ) from XXXX XXXX XXXX XXXX XXXX for the amount of {$24000.00} It's financed through Westlake FIncancial Services. I was given ( 2 ) contacts with different amounts {$24000.00} with a down payment of {$3500.00}. After pulling out the lot I noticed the check engine light on I immediately turned around and informed XXXX XXXX ( the General Mgr ) of this, I was informed to bring the car back in the morning and it will be fixed because the repair shop was already closed. There was nothing done the next morning and after returning several times and emails and talking to XXXX saying I have to take it to the dealer because they can't fix it. Only getting frustrated I explained to XXXX XXXX, XXXX and XXXX ( whom she brought out the 2nd contact with my signature forged ). I told them on several occasions that the car was not safe. I took it to a certified shop only to find out that the car have over {$10000.00} worth of damages.In that report this car has been in an accident with front end damage and has been rigged to appear as if the car is repaired. I was sold a lemon and this same car with the same vin number has been financed through Westlake Financial Services.

Company response to consumer: Closed with explanation