BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: AES/PHEAA
State: VA
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:
When I first learned I was eligible for PSLF in XX/XX/XXXX, I immediately contacted FedLoan Servicing to transfer ALL my federal student loans to FedLoan so I could participate in PSLF. A FedLoan rep talked to me on the phone while I logged onto StudentLoan.gov and made the request. I also signed papers Fed Loan sent me. I clearly stated I no longer wanted any in-school deferment and signed a waiver.
However, FedLoan only transferred and re-consolidated {$94000.00} of my federal student loans. In XX/XX/XXXX I discovered XXXX/XXXX XXXX XXXX still held approximately {$32000.00} in federal student loans. I immediately contact XXXX and FedLoan Servicing to request the loan be transferred to FedLoan and re-consolidated to participate in PSLF. I resumed making payments on those loans in XXXX or XX/XX/XXXX, and have continued making payments to this day.
It took FedLoan seven months ( and over six phone calls and three complaints ) to finally transfer my loans. The loans were transferred XX/XX/XXXX.
Despite filing frequent ECFs, FedLoan has refused to designate any qualifying PSLF payments towards those loans. The first time I called about this, a manager told me she had no idea why those loan payments were not counted towards PSLF. She told me she would start a six month review.
When I called today, a representative told me those loans had been put into an administrative forbearance from XX/XX/XXXX to XX/XX/XXXX, and again in XX/XX/XXXXto XX/XX/XXXX. The loans had not even been transferred to FedLoan at that time, they were still with XXXX. BetweenXX/XX/XXXX and XX/XX/XXXX I made repeated requests to XXXX and FedLoan to transfer the loans and reconsolidate for PSLF. I made payments during the time, worked full time at a qualifying job, and was not in school.
My FedLoan account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have disputed 2 account that I do not feel are accurate, nor has the company ever provided proof to me that this debt is owed! The first time I disputed this through the credit bureaus was XX/XX/XXXX. I disputed again on XX/XX/XXXX because I didn't receive anything in the mail from the bureaus. It is XX/XX/XXXX and I still have nothing from anyone! No investigation has been started, no verification was given by the creditors or the bureaus and no response was sent to me, electronically OR through US mail!. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022, I applied for an increase of credit limit with Capital One, for my Saks First Credit Card. On XX/XX/2022, my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America is claiming my account is under risk/fraud. However, after talking to them and XXXX the address they got on file is completely different than mine. My account was closed for some check of XXXX being deposited without the funds available. Now I ca n't open and account and neither can my wife, because unfortunately she was on the account with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX/XXXX/XXXX XXXX XXXX XXXX collection agency put a collection on 3 of my credit bureaus and i have contact them and told them that account does n't belong to me that i never been there but i ca n't proof them that its not my account, because of that my credit is ruined.

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 2021-04-14
Company: Phoenix Financial Services LLC
State: MD
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 noticed a new debt on my credit file from PHOENIX FINANCIAL SERVICE located at XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX for a medical debt. When I called on XX/XX/XXXX, they stated it was for an ER doctor dating back to XX/XX/XXXX! I asked for an exact hospital info but I was told that it would be mailed to me. As of today 's date I have not received anything. I contacted them again, but still no help and I was told it will take up to 60 days to get the letter. In the meantime, I am stuck with this on my credit file without being able to resolve the matter. I am a XXXX vet and have had medical coverage for many years, I would have reported this to any hospital or doctor I visited, but I can not call anyone about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This company is charing me an amount that it belongs to someone else with a similar name. I need this off my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Brightfunders, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX  XXXX, in a contract with a client to build a house. Homeside Financial has the construction loan which will be a home loan with the VA in the end. Homeside has moved {$7700.00} out of the construction budget to a column labeled " Prepaid or Equity from Borrower. '' This money is clearly not in the " Drawn to Date '' column. However, the representatives at Homeside insist that I was paid this money. I have tried several times to explain their own spreadsheet to them, but they can't see the error. I have told them if they will add the Drawn to Date and the Balance Remaining columns that should equal the contract amount. The total is short {$7700.00}. 

I can't upload the XXXX spreadsheet, I could forward an email with the attachment if you contact me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive submitted disputes to Equifax regarding XXXX account also Ive sent out letters of debt validation to the creditor I have not received any responses also its reporting that I have 11 late/missed payments on this account this derogatory remarks are causing me hardship in being approved for any kind of funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 I received a phone call asking for someone who is not me. This is not the first time I got this call. I asked for them to stop calling this number, they have the wrong person. I keep getting these types of calls and want them to stop. The offending company is Enhanced Recovery Company, XXXX XXXX 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 2018-12-30
Company: Experian Information Solutions Inc.
State: IL
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'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank 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 non-monetary relief
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report and so these are suspicious to me : XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Coinbase, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
User email XXXXXXXXXXXX on XX/XX/XXXX I withdrew {$1900.00} from my coinbase XXXX account that was supposed to be deposited into my XXXX XXXX account ending in XXXX via Wire the reference code to that transaction is XXXX I never received my money and it has been 24 days coinbase website states their service assures that a wire takes no longer than 10 business days. I contacted my bank thinking maybe my bank rejected the deposit and they told me there is no record of my money being into contact with them. On XX/XX/XXXX I wrote coinbase support a email XXXXXXXXXXXX they told me it probably still pending. So on XX/XX/XXXX I contacted coinbase through their customer service phone number XXXX ( XXXX ) XXXX the representative told me the transaction says complete and I should have my money. After that she says she will make a complaint to the transaction escalation department and that they will be getting in contact with me through email. It is now XX/XX/XXXX and I have yet to hear from them. I still have {$2000.00} on their account and I am scared to withdraw with the fear of the same situation happening. I made withdrawals before with success never had a problem with coinbase until now. I am uploading a picture of the transaction with coinbase dated XX/XX/XXXX and my bank statement from XXXX to XX/XX/XXXX that proves there is no wire from coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Bronstein & Weiss Arbitration
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received two voice messages on my cell phone and one voice message on work phone. Two of the messages stated they were from Weiss Arbitration and one from Weiss & Associates. The first message were received on   XXXX   XXXX  , 2017 at   XXXX   XXXX   and   XXXX   XXXX   PST. The first call was to my cell phone and the second on my work phone. The voice mail stated : XXXX ( my name ) " my name is   XXXX   XXXX   calling from Arbitration. My firm has retained a file formal complaint against your name and your social. We will be conducting and in depth investigation in your finances. In state law I am required to notify you 72 hours prior to this which starts right now. You need to be debriefed on all allegations inquired from you financial institute as well as place a statement on the record. I can be at my litigation 's department. My phone number is  XXXX  ext  XXXX . '' On   XXXX   XXXX  , 2017 at   XXXX   XXXX   PST the following message was left on my cell phone : " This message is for XXXX ( my name ). There has been a formal complaint filed with your financial institution. All assets and active accounts are scheduled to be closing within 72 hours. If you wish to protest this case you must contact the law offices of Weiss & Associates at telephone number  XXXX  or press one to be connected now. '' I called my financial institution on   XXXX   XXXX  , 2017 about the voice messages. The representative said that he did not see anything about my account closing and to report these calls to the " abuse '' department of bank. The bank was notified by email of these messages.
There has been no written contact from this " firm, '' and I do not know what this is regarding.
I was contacted by   XXXX   XXXX   and he said that it was regarding some company,   XXXX   XXXX  , and that they had sent a physical letter to my mailing address, as well as my email address. I told him I didnt know what he was talking about and asked him for his physical address. He refused to give me the address, said that they were going to finish this in court, and hung up. Upon minutes of hanging up, he contacted my sister in Texas. She didnt give him any information, she said that he shouldnt be asking for my information. He yelled at her and hung up. Later today, my sister, who lives in Utah, received a message saying that they would be freezing my assets in 72 hours.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-24
Company: Experian Information Solutions Inc.
State: TX
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 Non Authorized Inquiries on my credit XXXX   XX/XX/2018XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX   XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XX/XX/2018XXXX 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 2018-12-30
Company: Ability Recovery Services, LLC
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with ability recovery services, they have yet sent ant validation as required by 809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a )  unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
I would like also to address that Ability Recovery services is in violation of Oklahoma laws as well, Oklahoma laws requires that a business such as collection company must register with the : Oklahoma Secretary Of States and/or have a registered agent - in which Ability recovery service has not and does not, Ability Recovery service can only collect, and do business in the State of Pennsylvania, IF Ability Recovery services would like I will bring these issue up in small claims court, I would not like to file in court but they are forcing me to, so to make clear if filing in court is my last option then I will, at this time cause I have dispute with out response several times I know can file in court the same as I have done against Account Resolution Services, please find there court case attached. I will Give Ability Recovery Services Until, XX/XX/XXXX to remove there trade line name before I file, but once I file I will let court make there decision, with no settlement option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Experian Information Solutions Inc.
State: GA
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 disputed this information and they keep reporting this account on my report. XXXX XXXX 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 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 summitted numerous request, police reports to let the 3 credit bureaus to remove inaccurate information that dont belong to me and they still appear in my credit report not funny. Dont know what else do I have to send to get this corrected my credit score is on the floor and I am not happy with that I have tried to fix this in all angle.

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: Navient Solutions, LLC.
State: GA
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:
In XXXX- XXXX, My son and I borrowed {$42000.00} to pay for my son 's college tuition at XXXX University . Today, XXXX XXXX, 2017, The balance that Navient says that we owe is $ 80,000+.
I have offered to pay Navient {$55000.00} to pay off the loan if my son is not required to pay taxes on the difference between my offered pay off and the balance of $ XXXX+ and my son does not have a derogatory credit report entry for paying off less than what is owed. Navient is refusing to do this.
My son is finally working steadily and this removal of debt would allow him to take steps to further his career and personal life. Navient is also servicing our Federal Student loans which we will continue to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX i deposited a check for {$430.00} in my savings account. Now on XX/XX/XXXX it is being put on hold until XX/XX/XXXX. That is way to Long and bills need to be paid. They did n't allow ANY funds available, i have no way to get back and forth to work. This is my First time having a Bank account. so i wasnt aware of any hold or anything.

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 2021-12-21
Company: EQUIFAX, INC.
State: DC
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 seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in XXXX  and get a mortgage and these accounts are hindering my chances. Please correct immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is incorrectly reporting information on my consumer file that is impacting me tremendously. My credit scores are and have been impacted. The XXXX XXXX XXXXXXXX XXXX has stated in writing that they do not report information to the Credit reporting Agencies. The Credit Reporting Agency insists that the Creditor is the one providing this information to them directly which is false. Due to this I am requesting for this account to be removed from my Credit Report immediatley!

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 2022-02-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I send three or 5 letters requesting documents thats shows physical proof of documents showing this accounts was verified its been pass the thirty day

Company response to consumer: Closed with explanation