BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX/XXXX/XXXX went to wells Fargo to refinance mortgage. loan officer submitted application charged a fee for an appraisal {$500.00}. They did not approve my loan based on the income of my grandmother because I was co signed on a property with her. They did request that I prove that I do not make the monthly mortgage payment by providing mortgage statements or bank statements. I provided the required documents and later found out that they would be declining the loan because they felt that my grandmothers income was n't sufficient enough to pay the monthly mortgage on the property. I did speak with there executive office and express that the mortgage refinance was strictly on my primary residence and that my grandmothers income had nothing to do with my loan. After a month long battle they still stuck with there decision to decline my loan based on the income of another individual not related to my loan at all and they would not refund my appraisal fee of {$500.00}.

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
Consumer complaint received 2017-07-26
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I closed my account after only about a year in XXXX XXXX after having my credit limit lowered twice in the past several months ( I was declined for a medical payment I was making when I logged on and found out my credit limit was lowered ). In early XXXX I completed the autopay enrollment process to pay off my balance on this account with continued monthly installments. On XXXX I received a bill with a higher than normal minimum payment and when I logged on I see my pmt is past due. The company did not process my autopay for my XXXX pmt and hit me with a late fee. When I called I was told it would take a billing cycle for the auto pay to kick in and I should have received a disclaimer telling me this. It did not. I have a screen shot of my enrollment due to previous issues with this company 's online account features related to payments and bank accounts associated for payment. So now, for the at least the second time I have been charged fees due the company 's less than adequate online payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Billing dispute for services

Complaint:
On XX/XX/2022 I received a message from credit report my credit was down due to note posted by XXXX Credit card. 

I called the credit card spoke already with 3 people - XXXX, XXXX and XXXX. 

I received the information I made an application in XXXX, company sent me a card, charged me an annual fee that I did not pay.

I replied that : - I may have applied as we received several offers BUT- I never received a card from XXXX bank - They confirmed that XXXX Credit card neither received a notice confirming the card from me nor the card was activated - I never received any call from the card company to be careful before damaging my credit report - I want this debt and the account to be canceled and the notation in the credit bearoux to be removed. 

I am still waiting for some response form the card company. It been waiting for an hour on the phone. 

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 2018-01-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I successfully wired {$12000.00} USD to Coinbase. Today is XX/XX/XXXX and they have yet to credit my account or return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Ad Astra Recovery Services Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XX/XX/XXXX, I contacted the 3 credit bureaus to dispute the XXXX XXXX item on my credit reports. The loan was in in the amount of {$270.00}, however I never applied or received a loan from XXXX XXXX. The information on my credit report incorrect. I contacted AD ASTRA RECOVERY SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX on XX/XX/XXXX to inform them that I never taken a loan out with XXXX XXXX and I need this item removed from my credit report but the have not resolved the issue or removed it from my credit report. The account # is XXXX the loan date : XX/XX/XXXX. I am requesting that your office investigate this issue on my behalf. Also, XXXX XXXX was not licensed in the Mississippi in XX/XX/XXXX, therefore any loans issued in my name on XX/XX/XXXX was illegal. I can be contacted via mail : XXXX XXXX XXXX, # XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit report has a medical collection which should have been covered by my XXXX coverage ( for the XXXX of my XXXX ).
The original creditor was XXXX XXXX XXXX.
They sent the bill to : Syndicated Office Sy XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX The collection account was opened on XXXX XXXX, 2012 for {$4000.00}.
I 'd appreciate your help in removing this collection.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX XXXX, 2017 I sent a letter to Transunion asking what information they used to validate the following information on my credit report that they were reporting as verified. 
( XXXX XXXX XXXX ). I am submitting this complaint because I have a problem with Transunion investigation into my dispute. I was never given the 30 days by law to dispute the account before it entered my credit report. After having submitted via writing on XX/XX/17 the dispute. Transunion is reporting this as verified buy the company isnt legally allowed to collect in my state. and I havent been sent the information used to verify said debut. Per the FDCPA Once my letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. And since they have not supplied said information all collection information needs to stop.

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 2017-07-26
Company: Navient Solutions, LLC.
State: MD
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:
During the period from XX/XX/XXXX to XX/XX/XXXXNavient incorrectly applied my payments so that I was paying interest which should have been subsidized by the Federal Government. I filed a complaint with the Department of Education in XX/XX/XXXX, several weeks went by without resolution. I filed a second complaint with the Department of Education and a third complaint with the CFPB. Several days after filing the second and third complaints, Navient sent a letter, case # XXXX, admitting they had misallocated my payments and saying the amount of the subsidized interest that I had paid would be credited back to me in early XXXX. I contacted XXXX XXXX, my " Customer Advocate '' at Navient in early XXXX. XXXX XXXX was unable to tell me why the money had not been credited to my account. She was also unable to tell me when it would be credited to my account, or how much subsidized interest I had paid ; in Navient 's current online system, payments made by the Department of Education are not identified so I be sure how much subsidized interest I paid by looking at my account online. I have been diligently contacting XXXX XXXX weekly since the beginning of XXXX, but she has not been able to give me any information. It does not appear XXXX XXXX is looking into my case, or that Navient has any intention to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: U.S. BANCORP
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My lease terminated at the end of XXXX and then I purchased the vehicle. During the second week ofXX/XX/XXXX, usbank sent me a billing statement with an amount due of {$490.00}. I was expecting this bill as I knew usbank recently paid the property tax for this vehicle. I attempted to pay this bill via the usbank app and by accessing my account via the bank 's website. However, these efforts both failed because my account was no longer active. I then called usbank twice and spoke with four different reps. The fourth rep, which was from the collections department, stated that I had to mail in my payment and that there was no other way that I could pay. Although this is not a regulatory violation, it is annoying that I have to mail a paper check. I am shocked that a {$440.00} billion asset bank can not accept an electronic payment. For the past three years, I made lease payments via the usbank website or the bank 's app. Lastly, my account is not currently past due as the payment due date is XX/XX/XXXX ; however, it is poor taste for usbank to send me to " early stage collections '' where the rep read me the mini-Miranda disclosure and explained that she was attempting to collect a debt.

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 2022-02-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hi, I sent a dispute to Experian to remove incorrect names, addresses, phone numbers, employers, and hard inquiries on XX/XX/2021 via certified mail. Based on the tracking number Experian received this dispute on XX/XX/2021. I received a response from Experian, but not all incorrect information was removed so I sent a follow-up request on XX/XX/2021. Based on the tracking number Experian received this on XX/XX/2021. As of today, Experian still has not fully removed all of the incorrect information. At this point this needs to come off my credit report. I am now seeking legal counsel. Please advise asap. I want the corrections to be made on the credit report. The only name, phone number, and address that should be reported on my report are as follows. XXXX XXXX XXXX, ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX Fl XXXX. You will find five attachments. Two attachments are the actual disputes. One attachment is the sent dispute certified tracking receipts for XXXX & XXXX of 2021. Two attachments are the confirmed delivered receipts for each dispute. Experian has not responded. I would like this incorrect and inaccurate information removed from my credit report immediately. 

Thanks, 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 non-monetary relief
Consumer complaint received 2022-02-06
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/XXXX, XXXX XXXX transferred my loans in the amount of approx {$12000.00} to XXXX. 
My loans were then consolidated through XXXX XXXX XXXX. 
On XX/XX/XXXX I received an email from XXXX XXXX XXXX that my loans were consolidated to the amount of approx {$14000.00}. 
I made monthly payments on time from XX/XX/XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I received an email from XXXX saying my student loans were paid in full but I did not see this email as i was limited in my access to internet at the time. 
In XX/XX/XXXX XXXX XXXX XXXX sent me an email to inform me that my account was being assigned to XXXX XXXX XXXX. 
In XX/XX/XXXX I received an email from the XXXX XXXX XXXX regarding the the shut down of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have recently reviewed my credit report and there are closed accounts from XXXX, listed as paid in full. However, there are accounts from the XXXX XXXX XXXX XXXX that are listed as closed, but also continue to post as past due and in collections currently. 
I am unable to find my account or log into the student loan aid website. I am currently waiting for their account recovery team to find my info. 
XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have all now been sued and student loans are being cancelled as part of the settlement. And yet, my credit continues to be negatively impacted as a result of very poor handling of my loans on the part of my lenders, processors and debt management companies. I have had XXXX success attempting to contact any agency regarding my loans to attempt to untangle the mess they have made out of my loans. The education I received was sub par and was useless in entering the field it was specialized in. I have done XXXX work in that field as a result. I am a resident of XXXX  XXXX and would like to be included in the settlement against XXXX. 
Also between the years of XXXX and XXXX I received hundreds of emails from third party companies regarding my student loans and offers of forgiveness or lower fees. It was quite overwhelming and caused me to miss some very important emails regarding my student loans that would have raised my suspicions about the fact that I was being scammed months, possibly years sooner than I finally did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Strategic Dealer Services
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
This is with reference to my original complaint number XXXX regarding Strategic Dealer Services purchasing my auto loan from XXXX XXXX and I was not made aware of this until I attempted to pay my late fee and make arrangement on or around XXXX/XXXX/17. I advised Strategic Dealer that I have not signed a contract with them my signed contract is with XXXX XXXX and I did not see any where in my signed contract with XXXX XXXX that the auto loan can be sold, I asked that Strategic Dealer send me proof of a signed contract with their company and all I received was a welcome package. Yesterday I was bullied into making a payment to Strategic Dealer Services instead of XXXX XXXX because the shut my vehicle off ( Note : vehicle has a GPS of which the company can turn the vehicle off and it will not start until payment of which seems illegal ). I need to know if this is legal because when I called XXXX XXXX to set up my payment who in turn transferred me to Strategic Dealer to make the payment, Strategic stated they started the process of transferring my account back to XXXX but I can make payment to them because the process of transferring account back has not completed. I need to know if this is legal again I have not signed any contract with said Strategic Dealer Services and I want my account to stay with the purchased signed contract of XXXX XXXX asap and all my payments reported every 30 days to all XXXX credit bureau 's. I 'm at a lost and need help asap this all seems illegal and I have a business relation established with XXXX XXXX and their customer service has been great thus far. Please see all referenced documents attached. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Collection Management Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have yet to receive a letter for validation from Collection Management Services. I want to make XXXX aware that a billing statement does not prove that I owe on the alleged debt. I am challenging XXXX to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement to prove this matter? XXXXXXXX XXXX failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. XXXX is the name on my consumer report. I want XXXX to be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? Why is XXXX on the report? I demand Collection Management Services and/or XXXX XXXX Management Services to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). XXXXXXXX XXXX failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: AES/PHEAA
State: NJ
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 currently work at the XXXX XXXX XXXX XXXX and have about $ 70k in debt from the XXXX I competed at XXXX.I 'm dealing with the XXXX XXXX regarding Public Service Loan Forgiveness and have run into a lot of inefficiency and confusion.I had been putting off filling out the PSLF Certification Form with the good faith that my organization and loan payment plans were  eligible per the program stipulations. The provided information makes the program seem very straightforward and implies that the certification form is n't really needed until you switch jobs. As I had n't planned to leave my organization ; I did n't fill out the form for over 3 years while I made monthly payments. As soon as there was some discussion about cutting the program, I decided to get my ducks in a row before that happened, should the program be reinstated at a later time. The first response I received indicated that XXXX was not an eligible organization. This was a huge shock as XXXX is a XXXX year old XXXX well-respected XXXX XXXX XXXX. My HR director assured me that other employees had received confirmations that XXXX is indeed eligible and that this must have been some sort of clerical error. Indeed it was, as I resubmitted the the certification form with the same information as the first form, but received a response that XXXX is indeed eligible. I was then informed that I had only made one eligible loan payment in almost 4 years of regular payments. I have been trying to rectify this for months as I applied for an eligible repayment plan and when I was put on that new repayment plan, XXXX in no way indicated that the kind of plan was different from what I had applied for. I had one phone call with a customer service rep where she supposedly put a " tracker '' on my account to review my previous payments and that this process may take a few months. I believe this was some sort of stalling technique.I called XXXX again and was told there was no way to review previous payments and that I would have to restart a new payment plan now. This would put me almost 4 years behind schedule for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I pulled my reports and noticed several unauthorized inquiries from several different companies. Ive tried disputing those inquiries with the bureau who just replies back with there valid and to contact companies. Ive tried contacting companies with no response. Also a few accounts reporting that Im aware of that bureaus just respond back with there valid but with no prof or actual validation. I have the right to report anything on my reports thats not suppose to be there n request to have deleted. Having these negative items posting on my reports does do much damage to my credit worthiness.

Company response to consumer: Closed with explanation