BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: Navient Solutions, LLC.
State: CA
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 was on XXXX due to XXXX XXXXXXXX and struggled for 2 years prior to that made my payments on time and they still always said I was late. I call customer service to assist with my question and every time I get a different answer, no notes you called we don't know what you are talking about we lost your paper work to lower your payments, we mailed you a statement but if they mailed it to me why haven't I received it? 
I worked at a non-profit hospital for 10 years and was never once told about the programs that you could apply for and possible forgive your loans. Or course I don't work there right now but I did. 

The last time I called in XX/XX/2021 I happened to log into my portal through them and see that I had a balance due but never received any information from them. 
when I called the lady said that I signed up for e-delivery which I promise I did not do as I have years of issues with this company. 

Customer service is horrible and you never get anywhere. I have come to ask for a supervisor but I am always told that they will call back within 24 to 48 hours on the problem but of course never do. 

I still struggle with my payments as the cost of living goes up but not the pay and they seem to never want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
By all appearances, on XX/XX/XXXX, my sister, XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) accessed several of my mother 's ( XXXX XXXX XXXX ) TIAA investment accounts on line and changed the beneficiary designations on several accounts to make herself the primary beneficiary. 
My mother was legally XXXX at the time, being in late stage XXXX XXXX. XXXX was her legal guardian of person. 
The beneficiary designations that had been set by my mother would have split these assets, valued at about {$130000.00} in total, five ways. Each of XXXX 's siblings were to receive a one-fifth. My mother XXXX XXXX on XX/XX/XXXX, and shortly thereafter, TIAA transferred the money to XXXX. 
I have been trying to resolve this situation both as a civil and a criminal matter, but my primary contention is that TIAA ought to have reported this to both federal and state law enforcement officials. TIAA evidently has not, seeing that this much time has passed, and law enforcement officials have not interviewed any of the victims of this crime. 
Nor have law enforcement officials contacted XXXX XXXX XXXX, who is the administrator of my mother 's estate, who reported it to XXXX XXXX at TIAA, as early as XX/XX/XXXX. 
Together with my other XXXX siblings, we have been defrauded of about {$100000.00}, and I would like to know if TIAA is legally obligated to report to law enforcement authorities in such an instance. If so, why has the institution failed to do so, and, especially, why does the institution refuse to update the victims on the status of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To my understanding, there is a total of 14 months forbearance for mortgage assistance. 

I applied for the COVID19 forbearance XX/XX/XXXX for a period of 3 months ( XXXX, XXXX, XXXX ) and I resumed making payments ( XX/XX/XXXX ) after that time, as the automated line on the mortgage payment website stated that my forbearance period has ended. 

Well XX/XX/XXXX, due to slow work, I called to apply for the forbearance program and I was informed that I had exhausted 13 months of forbearance and that any forbearance at this point would end XX/XX/XXXX. I proceed to inform them that I had only used 3 months of a 14 month program. They proceeded to tell me that I was " Automatically '' enrolled into the program as of XX/XX/XXXX, then very rudely told me that I should have received a letter and that I should have read the fine print. I told the agent that this is totally unacceptable to do this on my behalf without knowledge. 
By banking industry standards, banks are prohibited to enroll patrons into programs without their knowledge and I believe my rights have been violated, as I was just recently kicked off of the covid forbearance. I made this complaint several times in XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Initially I was told back in XXXX that this was under investigation, however, when I call and spoke with XXXX XXXX XXXX my case had not been assigned since XXXX of last year. 
I expressed that this is not being transparent and this violates my rights.

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 2018-01-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has posted two accounts to my credit report without sending me any communication and right to dispute. 
I have attached documentation to the company who sold both accounts disputing and they still sold the to IQ Data. These accounts are bogus and should not be on my credit report. I have also contacted the attorney general of Texas and Washington about this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX I leased a new vehicle from a local dealership, the lease was assigned and the vehicle was sold to Ally Bank XXXX XXXX. 

On XX/XX/XXXX my dealership contacted Ally Bank XXXX XXXX for the buyout amount of the vehicle for a trade in. The amount they were given was {$7900.00} higher than the buyout stipulated in the contract. I called Ally Bank XXXX XXXX and was told the extra amount was due to " regulations and taxes ''. As that didn't answer the question I asked the finance manager at the dealership to contact the dealer services branch at Ally Bank and they were told that I am not allowed to trade in vehicles leased by them and if I did the dealer must pay rull retail value of the vehicle. None of this is stipulated in the contract that I signed. 

On XX/XX/XXXX, I contacted Ally Bank XXXX XXXX again and spoke with Supervisory Account XXXX XXXX who told me that Ally does not allow dealerships to buy out their leases. When I pressed him to show me where that is in the contract he was unwilling or unable too. I continued to press him for additional information as to why they were not allowing me to exercise the option plainly stated in their lease contract which he refused to do. In the contract, besides buying out the lease, there is a option to voluntarily end the lease and turn in the vehicle, when I asked for specifics of how that would work he refused to answer and told me to contact my dealer. When I told him that I tried that but Ally Bank was unwilling to work with them so I needed him to explain how it worked again which he refused. 

This is the XXXX vehicle I have leased in the past 10 years and this BY FAR is the worst I've ever experienced working with a leasing company before. I've never seen a company try so hard to not honor their own contract in their favor!

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 2019-04-28
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:
My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX XXXX {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 )  XXXX XXXX XXXX 4 ) XXXX XXXX XXXX {$390.00} 5 ) XXXX/ XXXX XXXX XXXX Please investigate this and send me the Method of Verification used, or remove the accounts immediately.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-01-08
Company: DISCOVER BANK
State: CO
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 college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with Discover Student loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on Discovers end. My balance to the loans is currently XXXX. In XX/XX/XXXX Discover is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call Discover to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. Discover has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against Discover. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a junior with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ 5 ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 120 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person.

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon so they should be deleted promptly.

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 2017-07-29
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 have made several phone calls to Navy Federal Credit Union in the last year and have gotten nowhere. I opened a secured credit card through them in early 2015. When I opened the secured card with my {$500.00} deposit Navy Federal was supposed to take that {$500.00} and put it in a secured savings account. I lost my job and fell on some financial hardship and was unable to make further payments on the card. Since I was spending my own money, once I could no longer afford the card that should have been it besides any possible owed interest. Upon contacting Navy Federal I was informed that there had been an error on THEIR PART in which they claim that the {$500.00} that they were supposed to put aside into a saving account had been released back to me. I NEVER had a extra {$500.00} in my account. At this point they have refused to help me even though it was their mistake and the only answer I get is that I need to pay another {$500.00} or {$490.00} to be exact. This to me appears to be fraud or a scam. It has been acknowledged to me in three conversations that the problem appears to be on their end yet they refuse to fix it.
It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Banking regulations and Defamation of character. My credit has suffered greatly from this as the reason I opened a secured line of credit was to help improve my score, this has only done damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Mortgage has refused to send a monthly statement for the month of XXXX. He month they keep sending them later and later and now they haven't sent the statement for both loans we have with them. I'm having to submit XXXX complaints, XXXX for each loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I inadvertently missed my XX/XX/XXXX payment on my mortgage. The amount was {$1800.00}. It came to my attention after XX/XX/XXXX, so on XX/XX/XXXX, I called XXXX XXXX XXXX at their customer service number ( XXXX ) XXXX and spoke with a representative. I made three ( 3 ) payments : One for {$3600.00} for the months of XX/XX/XXXX and XX/XX/XXXX ; and one for {$1800.00} for the month of XX/XX/XXXX. For convenience sake, I made the {$3600.00} payment utilizing checks drawn from my credit card account, which were secured by XXXX XXXX XXXX. When I made this payment, I specifically advised the representative that they were credit card checks, because I was mindful that mortgage companies do not accept credit cards. The representative specifically advised me that the payment method was acceptable. Now, XXXX XXXX XXXX has, after the fact, rejected the credit card check payments. It has furthermore registered my account as delinquent by two ( 2 ) payments, and is making us pay the next six ( 6 ) months via certified funds. This has resulted in tremendous extra cost to me, and will result in extensive additional time, effort, energy, and cost moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: TrueAccord Corp.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My mother was called on her landline number and they were asking her where I was and that they are debt collectors. Clearly  that is not my mothers business and it was inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX, I established a XXXX business bank account for my business to professionally accept payments from clients. On XX/XX/XXXX, my first client sent {$2500.00}. I attempted to transfer {$2400.00} to my bank account after the client sent the funds to my Square account, but Square sent me an email stating that they were deactivating my account and putting my funds on hold for 90 days. The first paragraph of the email stated " Were sorry to inform you that weve had to deactivate your account. Based on the information you provided about your business, were not able to support your business needs right now. You wont be able to process payments with Square. Unfortunately, this decision is final. '' I immediately responded to Square with an email asking for clarity and pleading for the immediate release of my funds. I did the same on XXXX. It has been three days, and I have heard nothing. There is no phone number to call and apparently no willingness to help. I was relying on these funds to support my work and my family. Having reviewed online reports of the same experiences with other customers, I have come to the conclusion that Square does this often. I did nothing wrong, and I now have money seized by this company. It's unethical. Where is my money? Why is it being held? No reasonable person would say this is okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a withdrawal on XX/XX/XXXX from Coinbase Inc. I  received an email once I made my withdrawal, saying : " On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$640.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$640.00} will arrive in your bank account by XX/XX/XXXX. 

Withdrawal reference : XXXX '' The money did not show up on the XX/XX/XXXX. I called my bank asking if there were any pending deposits, and they said there was not. 

I contacted Coinbase support on XX/XX/XXXX via email. I send an email the the addresses XXXX,  XXXX, and XXXX. Turns out I mistyped wiresupport, and the email address is XXXXXXXXXXXX. However, the other emails were valid. In response to this I received an auto generated message saying my report was received. 


No worries, I corrected that and send another email on XX/XX/XXXX to the addresses XXXX, XXXX. This is what I put : " 'On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$640.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$640.00} will arrive in your bank account by XX/XX/XXXX. 

Reference number is : XXXX ' I typically send money to my savings account, but this time I sent it to my checking account ( ending in XXXX ). I called XXXX XXXX and they said that should n't be a problem and the wire should still go through. 

Please resolve this. {$650.00} may not seem like it 's a lot but it 's a lot to me .... : ( " Turns out XXXX is not a valid email either. Since then I have not received anything besides an automated response from Coinbase with nothing in regards to this. Just a typical Coinbase auto email.

Company response to consumer: Closed with explanation