BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: MS
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:
Im very upset because I received my annual credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've already contacted the FTC and the police. I'm doing this on my own and there are still items on my credit report that are not mine. Bankruptcy Chapter XXXX-discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Several years ago, we were granted a loan mod by Bayview Loan, who are servicing our XXXX XXXX XXXX mortgage. There have been no issues inasmuch as we have never missed or been late with a payment. But suddenly, in true form, theyve decided that our loan mod is no longer viable! No reason! If you check your database, youll see that I started reporting my findings about XXXX many years ago, and my findings were accurate inasmuch as the CFPB fined them. ( For which Ive received no restitution from their fine. ) Now Im dealing with Bayview, and here we go with their shenanigans. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I spoke to CS rep. They were charging me since XX/XX/XXXX a card protection fee I said I did not approve this charge, the women said that it would be refunded back to the beginning when the fee started XX/XX/XXXX, in the amount of {$400.00}. Two weeks later I received a letter stating they would on go back 6 months. They credited me {$25.00} total I think this is unfair and unjust please help. 
Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17
Company: Blockchain.com, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I transferred roughly {$140.00} in XXXX ( a cryptocurrency ) to a private wallet on Blockchain.com, which advertises an 8 % interest rate for this currency. The fee for transferring these funds to Blockchain.com from XXXX was roughly 2.5 % ( $ XXXX worth of XXXX ). 

In order to earn interest on Blockchain.com, however, the user must make an additional transfer from the private wallet to an interest account. There is a fee associated with this transfer, which depends partly on the status of the Ethereum network. That is, the fee rises and falls based on how busy the network is. I understand this. 

What I do not understand -- and what I'm writing to complain about here -- is the incredibly high fees that Blockchain.com charges for making this transaction. The proposed fees for transferring this {$140.00} or so worth of XXXX to an interest account have ranged from a low of {$42.00} to a high of {$97.00} -- that is, anywhere from about 30 % to about 65 %. 

Needless to say, such fees completely defeat the purpose of transferring the funds in the first place, as it would take many years ' worth of interest at 8 % to make up for the cost of transferring the funds. 

I have contacted Blockchain.com support ( chat/email ) and tried to explain to them that something is wrong with the way they are processing these transactions. Without fail, they tell me that they are not responsible for the fees, that it's all a matter of network congestion, and that I should try again later. 

What they refuse to take into consideration -- and what I've repeatedly tried to explain to them -- is that I was able to transfer the same amount of funds ( over the same network ) from XXXX for less than XX/XX/XXXX of what Blockchain.com is trying to charge. They refuse to take this into account. 

I've explained to them that what they are doing is essentially committing fraud, having lured me into transferring funds to one of their wallets in hopes of earning 8 % interest without realizing that I'd have to forfeit roughly half the value of my funds just to make the additional transfer. 

What this means is that my funds are essentially locked, or stuck, unless I agree to pay the exorbitant network fees they are charging. 

I informed them that I would be filing complaints with the relevant government agencies if they did not address the issue, but they still did not make any attempt to help. I asked them to escalate my case to a supervisor or manager, and they simply refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: VA
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 obtained a copy of my Experian Report. As Experian is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by XXXX XXXX on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
XXXX 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 2021-08-05
Company: Monarch Recovery 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: Their investigation did not fix an error on your report

Complaint:
XXXX collection company has not removed themselves off my credit XXXX XXXX has removed the original collection and now another collection company is bothering me via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: NAVY FEDERAL CREDIT UNION
State: MO
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:
On XX/XX/XXXX, I contacted the IRS via telephone regarding nonreceipt of my first stimulus payment. I was advised by the IRS they would have to do a tracer on the funds and would notify me. On XX/XX/XXXX, I received a letter from the IRS stating on XX/XX/XXXX an Economic Impact Payment ( EIP ) totaling {$1200.00} was deposited into an account XXXX at Navy Federal Credit Union ( NFCU ). Additionally, on XX/XX/XXXX a second EIP totaling {$600.00} was deposited into the same account. I was advised by IRS to contact NFCU referring to the above referenced account number. I made several telephone inquiries to resolve this matter with NFCU to no avail. On XX/XX/XXXX, I visited NFCU branch office in XXXX, Illinois and spoke with XXXX XXXX, Assistant Manager. XXXX XXXX verified the account number provided by the IRS belonged to another NFCU member and the EIP funds for the dates above were also verified as being deposited into this member 's account. Furthermore, XXXX XXXX stated this member 's account has been frozen however, in order to receive my EIP funds NFCU needed a " Letter of Indemnity '' from the IRS. I contacted IRS via telephone and in person on XX/XX/XXXX and both representatives have " no '' knowledge of a " Letter of Indemnity. '' I returned ( XX/XX/XXXX ) to the NFCU branch office and attempted to speak with XXXX XXXX. Since he was busy with an audit, he advised the lobby representative who waited on me to type a letter to me stating NFCU findings and in order to resolve this issue a " Letter of Indemnity '' is needed from the IRS. I have documentation from the IRS supporting my initial inquiry and the letter from NFCU acknowledging they " did not '' verify the ACH EIP payments prior to depositing them into the wrong member account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Lincoln Educational Services Corporation
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: Account status incorrect

Complaint:
I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: BB&T CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I opened my account at BB & T and I made about 3 deposits and now as it is XX/XX/XXXX I have about 3 to 4 overdraft fees up to {$180.00} dollar and I don't know why.I would like this issue resolved.

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I ordered a 3 bureau credit report with Fico scores for {$1.00} ( a very good deal ) after being referred to their site by a financial company. The company said you could cancel the membership after ordering the report within 7 days and there would be no further charges. I ordered the report which was fine. I then tried to cancel the monthly service. with a fee of {$29.00} per month. In calling I found the company is owned by Experian.

Every time I called to cancel after going through a long process of identity with the claimed purpose of protecting you, I was told the wait time to cancel is 2 hours. You can not cancel online. This is a total scam with the sole purpose of collecting a fee by making it extremely hard to cancel.

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 2017-03-23
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Transaction issue

Complaint:
I got contacted by XXXX by an unsolicited phone call and they offered online services and they never fulfill with their end of the deal. They took a total of {$3500.00} from me which {$1900.00} I paid with my Sears Master Card Citibank. According to master card 's dispute manual I should be eligible for dispute with codes XXXX and XXXX and also have a good faith investigation. Which I am not having it and I am very upset with my credit card company. I am attaching a letter from the Attorney General which proves that they acknowledge that I am entitled to {$5200.00}. Hopefully you can help me with that.

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 2018-09-12
Company: Riverwalk Financial Corporation
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: Account status incorrect

Complaint:
I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has continuously charged usurious interest and has not applied payments toward principle. We have paid more than {$40000.00} interest on a {$46000.00} loan over a period of twelve years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: EQUIFAX, INC.
State: IL
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:
On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months.

This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Paypal has a partnership with XXXX XXXX to furnish a paypal prepaid debit card. On Paypal.com   you can instantly transfer funds from the paypal balance to the prepaid card. I have used this service several times over the past few years with no issues, However, on XX/XX/2019, I authorized a transfer of {$300.00} ( the maximum amount allowed to be transferred this way ). On paypal.com he transaction shows as completed and the amount was debited from my account however the amount was never deposited into the prepaid account. Paypal.com customer service says that it shows as completed on their end and the issue is with the prepaid card. Paypal prepaid card service says that the transaction show as declined from paypal.com on their end and the issue is with them. After several attempts to resolve the issue with both departments I am still getting spun around and have not gotten my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of this debt several times from both credit bureau and collection agency after seeing it on my credit report. it couldnt be validated by collection agency. i received a fake statement ( bill ) in the mail as validation. Not only do i know this isnt a account thats mine but based on this statement i received the dates of service doesnt reflect proper name or address at the time. i wasnt known by this new name or address until 6 months ago so how is a statement from XX/XX/XXXX-XX/XX/XXXX showing my new info???

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 2021-10-31
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I initially applied for a checking account with Citibank XXXX to deposit XXXX to receive a {$1500.00} bonus. The last step to open account was to provide a utility bill or lease agreement to provide proof of address, However, after learning that I would have to let my XXXX sit in account for 170 days without interest, I declined to send verification documents to let account not to be open. In fact, Citibank XXXX emailed me indicating I needed to complete this last step to create an account. Since then, I have received several emails indicating there is an account and I need to deposit money into it to keep it active. This is simply unbelievable!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2017-11-19
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

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

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to get PMI taken off of my house. I sent the print off that Caliber sent me on XXXX XXXX/I overnighted it. I included a check for an appraisal and all of the improvements I have made on my home. Keep in mind, the paper I mailed back to them is the one they sent me when I inquired about PMI removal. After hearing nothing back, I opened a case with XXXX Caliber mailed me a blank paper just like the one I filled out. I filled this one out and sent it in again. I didn't hear from them for a week or 2 and then I received a check from them for the same amount as the one they cashed of mine originally. I kept receiving random letters from them, then I got one saying under Federal Rules, my improvements didn't apply. I did my research and this was incorrect, additionally, they never even sent anyone out so they wouldn't know. Days after this, I receive another letter asking me to send a check for an appraisal but this letter has a higher price than the first XXXX. The first letter they sent me asked for {$150.00}, and now this one is asking for over {$400.00}. It seems like they are doing everything they can to make this difficult and not allow me to remove PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried repeated times for Portfolio Recovery Associates to provide me with the signed contract that I have supposedly entered into with them on something they are illegally reporting to my credit reports. To date for over 2 years they have failed to provide me with anything showing what this debt is supposedly for, the signed contract, what the charges are for, and how the total was calculated. 
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 seem to been a victim of the dark web, after careful review of my credit files I'm demanding that the following accounts be removed and blocked from my credit files immediately. 

1. XXXX XXXX XXXX {$57.00} 2. XXXX  XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. Dept of EDXXXX XXXX {$22000.00} 5. Dept of ED/ XXXX {$18000.00} 6. Dept of ED/ XXXX {$15000.00} 7. Dept of ED/ XXXX {$10000.00} 8. Dept of ED/ XXXX {$10000.00} 9. Dept of ED/XXXX  {$8300.00} 10. Dept of ED/XXXX  {$7800.00} 11. Dept of ED/ XXXX {$7700.00} 12. Dept of ED/ XXXX {$7500.00} 13. Dept of ED/ XXXX {$5900.00} 14. Dept of ED/ XXXX {$5500.00} 15. Dept of ED/XXXX  {$5500.00} 16. Dept of ED/ XXXX {$4500.00} 17. Dept of ED/ XXXX {$4300.00} 18. Dept of ED/ XXXX {$4100.00} 18. Dept of ED/ XXXX {$3700.00} 19. Dept of ED/ XXXX {$3700.00} 20. Dept of ED/ XXXX {$2900.00} 21. Dept of ED/ XXXX {$2600.00} 22. Dept of EDXXXX XXXX {$2200.00} 22. Dept of ED/ XXXX {$1200.00}

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