BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To : SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re. : SPS account # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX Fl XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response of Select Portfolio Servicing Inc,  assertion on your proof of claim /letter dated XX/XX/2019 that you hold or a third party is the owner of the account and Mortgage of property XXXX XXXX   XXXX XXXX XXXX XXXX Fl XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify the original creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Complete payment history on this account along with an accounting of all additional charges being assessed/ complete history payment from all Debt collectors used in the past 10 years 6. Commission for debt collector if collection efforts are successful.

7. Default date of Mortgage 8. Proof that the Statute of Limitations has not expired 9. Any Judgments obtained by any creditor regarding this loan 10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : 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 2020-02-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ XXXX, Equifax, and XXXX ]. Customer agents could not provide me with a credit report via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX 's XXXX XXXX opened an account at XXXX XXXX on XX/XX/1990. This money has never been withdrawn. I'm applying for withdrawal of {$2100.00} plus interest at this time. XXXX XXXX was purchased by Wells Fargo. In calling Wells Fargo, they stated they could not help me, the money was absorbed into the bank at time of purchase. Attached please find copy of bank book.

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 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
XXXX XXXX XXXX Says Income-Based Repayment Plans Cancelled. Student loan servicer XXXX has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX - Since the start of XX/XX/XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...

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 2019-09-20
Company: Nelnet, Inc.
State: NY
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:
The remaining balance on my student loans ( roughly XXXX in XXXX ) was XXXX in XXXX due to permanent XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year reviews. 

That and other documents were submitted to NELNET/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and XXXX XXXX were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a XXXX   balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: NM
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:
On XX/XX/21 I sent Experian a investigation letter to investigate some negative things on my credit report. On XX/XX/21 they sent me a letter via mail stating the accounts were " verified ''. On XX/XX/21 I sent a method of verification letter asking for the method they used to verify the accounts. I never received any documentation or proof that I requested. on XX/XX/21 Experian sent me a notification via the app to tell me they had an update with my dispute. when i checked the app it said that the accounts were updated again. Still to this day I haven't received documentation or proof of verification like I requested.

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 2017-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on XXXX, XXXX, Equifax and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been locked out of my Coinbase account for over 5 weeks now which holds on this day XX/XX/XXXX the equivalent of {$5600.00} worth of Ethereum coins/tokens. That is a lot of money I ca n't access.

The issue first occurred on XX/XX/XXXX when I tried to sign into my account. I received the following error : ''Invalid email or password. Try clicking 'Forgot Password ' if you 're having trouble signing in. '' Now straight away I thought this was very odd as I use a password manager to enter my details. I tried to login a few times more but the same error kept appearing. I eventually requested a password change. Coinbase sent me an email to reset my password which worked with no issues. However, no matter how many times I changed my password the same error still popped up. The email is 100 % the email associated with the account and obviously the password is correct so it is not a fault at my end. I can login to my account via the Coinbase APP but ca n't access my wallets/accounts. Again, I receive an error message. I have tried signing in from another device and different browsers to no avail. I have even asked my friend to try and login for me from his computer. Nothing works. 

Now when I attempt to login I 'm receiving the error message in the title : Sorry, account temporarily disabled. Please contact support.I have contacted support by email and created a ticket ( Case # XXXX ). 

I have also sent them a direct message on XXXX, my only response was via email which seemed to be an automated response which stated ''Due to increased volume it may take several days to receive a response. '' For me this is completely unacceptable customer service. Not being able to access that amount of money particularly over the festive period has caused me a great amount of stress. 

Any help/advice on this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Continuing problem receiving updated monthly statements and getting access to my account.

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 2017-09-22
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I received my credit reports and discovered Southwest Credit Systems reporting a trade line for an alleged amount of {$280.00} collecting for XXXX. I mailed Southwest Credit Systems a request for validation on XX/XX/XXXX and SWC replied with a generic one page bill ( attached ). I mailed a second demanded for validation on XX/XX/XXXX and received no reply, Southwest Credit Systems continues to collect by reporting the alleged debt on my credit report ( see attachment ). 

Southwest Credit Systems failed to provide me with an assignment which is a requirement under California 's Rosenthal Act CA. Civil Code 1788.13 ( L ) Which states, " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' SWC also violated California Fair Debt Buying Practices Act 1785 ( a ) ( 2 ) which states, " The debt balance at charge off and an explanation of the amount, nature, and reason for all post-charge-off interest and fees, if any, imposed by the charge-off creditor or any subsequent purchasers of the debt. This paragraph shall not be deemed to require a specific itemization, but the explanation shall identify separately the charge-off balance, the total of any post-charge-off interest, and the total of any post-charge-off fees. '' The PDF 's provided by SWC indicate what appears to be a 1 month billing cycle for an alleged amount which are half legible ( see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a loan two notes behind. I have been sick for the last 2 months. I went and talked to a manager and was given forms to take to the doctor and my job. The company calls my cell number at least 20 times per day. On X/X/2018 a manager name XXXX came to my home after I had been at the office picking up XXXX papapers that Friday prior. They are constantly harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have attempted to link my checking account at PNC Bank to Savings and investing services like XXXX and XXXX, and their security protocols are not allowing me to do that. I have tried every avenue to link these accounts, and have verified security and  ownership of the accounts time and time again in an attempt to link them. It should not be this difficult to connect an account that I own to a third-party savings app.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Navient Solutions, LLC.
State: FL
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 had a loan that was fraudulently handled by XXXX XXXX and then the loan was turned over to Navient who have been nothing but a headache over getting help with this account.. I have been given inaccurate information and no help ... looking into possible legal action and need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: AES/PHEAA
State: MA
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:
I signed up for loan forgiveness program. I have been working for a nonprofit organization since XXXX. My loans were transferred from navient to Fedloan servicing XX/XX/XXXX. XX/XX/XXXX i received a welcome email from fedloans. Fedloans try to charge me for past due amount during the transfer from XXXX. Initially i had to file a complaint because Fedloan were not applying my payments towards loan forgiveness program. After the complaint only 4 qualifying was adjusted. I have been making payments to navient since XXXX and only 4 payments qualified according to FedLoans i find that hard to believe. XX/XX/XXXX i received a qualifying letter it was 4 in XX/XX/XXXX another update 4 payment qualified. It is now XXXX only 4 loans apply since XXXX where are the additional 8? 

My first payment directly to Fedloans was XX/XX/XXXX. It is almost one year and i only made 4 qualifying payments? Something is wrong with this. I am actually paying ahead this message is on my account ( You are paid ahead since you made some payments above and beyond what was due. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Continued calls to myself, my sister, my brother-in-law, my parents, my nephews, and my brother. Calls often are multiple calls in a row, threatening towards my family and disrespectful comments to my family members, disclosing information about the delinquency of my loan which I did not believe was allowed. If they want to harass me fine but family throughout this COVID pandemic is unacceptable and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview bought my VA home loan from XXXX. Lakeview then informed me that there was a shortage in my escrow of $ XXXX. So they proceeded to increase my escrow payment from $ XXXX to $ XXXX for a period of 12 months. Their reasons were 1 ) to pay back the shortage to fill a reserve and 2 ) an increase in expected property taxes. I was made aware of neither of these reasons, nor shown proof of the tax increase. For there to be a shortage in escrow reserve of $ XXXX, that would equal much more than a reserve of $ XXXX ( with increased purported taxes ), the limit if exceeded would be in violation of VA loan reserve regulations. And for my escrow payment to jump much more than 200 % would be in violation of TILA-RESPA payment estimation regulations. If there was such a gross oversight in original estimation, then Lakeview as the buyer of the loan should pay for their poor due diligence, not me. I called Lakeview numerous times and finally came to an agreement with a supervisor about payment. But then weeks later, I called and waited to check status, only to find that the agreement had been rejected by a different department of Lakeview. Lakeview has not contacted me since. So now I have engaged an attorney to further deliberate. Lakeview 's actions to me as a customer, and most likely many more, has been ILLEGAL. And Lakeview hides their actions behind terrible customer service and opaque communication.

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 2019-11-09
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OF OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2021-06-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello and sorry this is going to be long I filed for a chapter XXXX which was dcd satisfactory in XXXX. My chapter XXXX was dcd satisfactory this year in XXXX. I had a sallie Mae/Navient loan in XXXX which has been in derogatory status for a few months prior to my chapter XXXX filing. 

We know student loans can not be dcd via bankruptcy unless undue hardship can be proven. However something told me to research the loan that I had. I took out what was called tuition saver loan which is considered a non traditional student loan. This was a loan they offered for students only which was sent directly to the student to do basically whatever they wanted. Which I took advantage of to help with bills and whatnot as being a young single parent full time student part time job. 

After doing my research, I found out on several different platforms from back XXXX searches that Tuition answer loans are NOT student lands and are FULLY discharged debts in bankruptcy. 

My immediate thought is that this should have been resolved when my chapter XXXX was completed. They were included in my chapter XXXX and received a payment. Now that my chapter XXXX is complete, they have went back to reporting my account as derogatory, charged off and my account is still headed for collections. I have provided them the info, and they refuse to budge. Im thinking that not only should this debt be done, but any money Ive paid since my chapter XXXX should be returned with interest. 

Im wondering what should I do? I have reached out to the credit bureaus and Navient and they both are giving me a hard time and refusing to honor it. Can anyone give me any advice? This is tanking my credit. I have provided a screen shot of What I have found which is what I keep finding.

Company response to consumer: Closed with explanation