BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-14
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been in repayment under the public service loan forgiveness program since XXXX. I have made the 120 payments required for forgiveness. However, they are saying that numerous payments that I have made do not qualify for forgiveness. For example, you must update your income each year, and they force you into deferment while they are reviewing your payment plan. However I continued to pay during that forced deferment time. 
Another example is when I filed bankrupcy. They claim that all the payments I continued to make during that extreme hardship in my life did not count. Why? 

Also, there was a time when I made {$5.00} less than the payment for several months because there website did not display the payment due. They did not count those payments and I feel like that was a scam. Why wouldn't the payment due amount be displayed? 

They also have not provided me with records prior to XXXX, so I have not included payment records prior to the date of the attached materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Icsystem.com created a fake transaction about a bad check when I never tried to send them any payment ever They also are trying to charge a late fee likely due to the fraudulent fake check that they made up

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 2021-03-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sold crypto currencies on Coinbase worth XXXX {$8900.00} XXXX between XX/XX/XXXX and XX/XX/2021. I have been unable to withdraw these funds ever since. It is now over a month from the original transaction. I have filed complaints with Coinbase, but Coinbase has not responded to my inquiries in any meaningful way. I feel like they have effectively stolen my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/2018 at XXXX, I called to inform Experian that they have failed to dispute items on my credit report within 30days from the date of my certified letter. I was informed by a Experian Supervisor that they have never received validation letter, and the information I disputed was just verified. I informed them that I have proof of certified letters from the United States Postal Service with a date and time stamp. The supervisor was rude and told its not the company fault that they did not receive my certified letters, and next time send them regular mail because they don't receive certified mail. I explained a Experain rep told me where to send my dispute, and gave me the dispute departments address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX and Transunion are damaging my credit with false information. Even though I have detailed the situation to them XXXX times, they have chosen to ignore me. 

In XXXX I had a XXXX  service. XXXX of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these XXXX companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: EQUIFAX, INC.
State: FL
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, Equifax and XXXX are damaging my credit with false information. Even though I have detailed the situation to them two times, they have chosen to ignore me.

In 2015 I had a limousine service. One of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these three companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My complaint relates to a violation of CFPB regulation regarding allocation of payments against an expiring promotional balance. Link below to applicable regulation https : //www.consumerfinance.gov/policy-compliance/rulemaking/regulations/1026/53/ # b The relevant credit card issuer is Citibank NA . 

I had balances in two different promotional offers on this credit card. As of the XX/XX/2020 statement, I had {$11000.00} balance against a 0.99 % APR offer expiring on XX/XX/2020, and {$4800.00} balance against a 0 % APR offer expiring on XX/XX/2020. I made a {$6000.00} payment to this credit card on XX/XX/2020 with the intention of clearing the balance that was scheduled for expiration on XX/XX/2020. However, upon receiving my XX/XX/2020 and XX/XX/2020 statements it became clear that the {$6000.00} payment was largely applied towards the other offer expiring on XX/XX/2020. This is in violation of the referenced CFPB regulation. As a result of this incorrect allocation, I had {$4400.00} balance transferred to Standard Purchases with corresponding interest rate of 18.19 %, and I'm starting to incur these high interest charges as of my XX/XX/2020 statement. 

I contacted Citibank NA customer service over the phone to resolve this issue. Their initial response was " well, this is how we allocate payments ''. When i informed them that their allocation was in violation of federal regulations, I was told that this would be escalated to a supervisor who would call me back. I did not receive a call back for several weeks, upon which I made a follow up call and was told that the matter was still under investigation. Nothing happened for another week and then I received a letter from Citibank ( dated XX/XX/2020 ) stating that my request for payment allocation has been denied. 

I have attached the following supporting documents : XX/XX/2020 statement XX/XX/2020 statement XX/XX/2020 statement Citibank letter of denial dated XX/XX/2020

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 2019-03-21
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan to value is less than 80 % and I requested to have my principle mortgage insurance cancelled. My loan servicing company, Freedom Mortgage, said they do not have the authority to cancel the PMI and it's the responsibility of the investor. I contacted the investor, XXXX, and they told me its the responsibility of the servicing company. 
These conversations happened today on XX/XX/2019 with both XXXX and Freedom Mortgage. 
I would like to file a complaint towards Freedom Mortgage for providing false information to me and neglecting their loan obligations.

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 2018-09-17
Company: EQUIFAX, 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:
I DO NOT RECOGNIZE THIS COMPANY nor the Original Creditor thats showing. I've disputed in both XX/XX/XXXX and XX/XX/XXXX the account and it came back verified. I have requested method of verification on XX/XX/2018 for this account of XXXX XXXX XXXX XXXX was told to contact the creditor. Based on FCRA 611 ( a ) ( 2 ) ( B ), I was supposed to receive all of the relevant information used in the investigation to " verify '' this as a valid debt/account belonging to me. I only received a notice telling me the account was verified and to contact the creditor. WHICH I HAVE and they have NOT been able to send me any valid documentation that they own or have right to any accounts belonging to me. If this is unresolved, I do plan to contact the XXXX XXXX XXXX and the FCRA about the false information that is remaining on my report without any validation or verification that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Autovest, L.L.C.
State: MN
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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

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 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've contacted XXXX several times over the past year to dispute a state lien that's presently showing on my credit report. I've disputed this indicating that this doesn't belong to me. I've asked for the specific information used that indicates that this belongs to me and XXXX will not provide that information to me. I've also asked that this information be removed because of it's inaccuracy, yet my only responses have been, " we've already investigated this item ''.

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 2019-04-14
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had two collections added by Common Wealth in XX/XX/XXXX. I did not receive a letter notifying me of the collection accounts until XX/XX/XXXX after the accounts were added to my credit reports. ( attached ) I sent full validation requests to validate the debts on XX/XX/XXXX and have not received proper or any validation of the following debts. The debts are both scheduled to fall off in XXXX and XXXX of this year, but I am challenging their violations. I did not receive notification of debts being added to my credit reports until after they had been added, in addition, this creditor has not validated the debts. I am submitting this dispute for those violations in order to have these debts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a XXXX on my credit reports that I thought came off after XXXX years. It is almost XXXX years now, what is the exact date this will fall off my credit report?

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 2022-01-08
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Not able to repay loan with all the interest that accumulated over the years. I can not pay and keep a roof over my head.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This account has been disputed several times with XXXX as well as the credit bureaus. XXXX has it in their system that it is XXXX balance and settled in full. None of the 3 credit bureaus seem to reach out to XXXX to investigate no matter how many times I dispute this.

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 2019-04-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy on my credit reports that I thought came off after 7 years. It is almost 10 years now, what is the exact date this will fall off my credit report?

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 2018-09-07
Company: Nelnet, Inc.
State: VA
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:
my account is showing that it was several months late, but I was unable to fix the problem because they were sending the paperwork to the wrong address. I have since XXXX given them my address and have bought the the account current. I believe the mixup came from me getting a divorce and them sending the paperwork to my ex-wifes address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am writing to dispute the following information in my file. I recently received a copy of my XXXX, XXXX & Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXl XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2021-09-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had called into 5/3 bank mortgage services requesting a payoff amount ( {$38000.00} ). I made the payment while I was on the phone with the rep. The payment was setup to be submitted on XXXX. I logged into my account on XXXX and noticed that the entire amount I has sent was titled as unapplied credit. There was nothing applied to even a regular payment I also noticed that the regular monthly payment was still made the day after they received my payoff amount. 

I called customer service and was informed that the correct payoff amount was $ XXXXxx.xx and there system did not know what to do with the payment I sent and that is why it was being held in unapplied credit. I asked why I wasn't notified and I was told their system is setup to send out a notification 10 days after unapplied credit is received.

I let them know the reason for the payoff was to lower my debt to income ratio and apply for a loan for an upcoming purchase. Since this wasn't paid off in the time I had anticipated I informed the customer service rep that I would like that money simply sent back to me. I was informed that she would submit a ticket and that a manger would reach out to me in 4 business days to discuss. I asked why that was the solution as they have held my money for a week.

On XX/XX/XXXXI reviewed regulation z and I believe what they are doing is in violation of : 1026 Paragraph 36 ( c ) ( 1 ) ( ii ) When sufficient funds accumulate to cover a periodic payment, as defined in 1026.36 ( c ) ( 1 ) ( i ), they must be treated as a periodic payment received in accordance with 1026.36 ( c ) ( 1 ) ( i ).

5/3 automatically put the whole {$38000.00} into an unapplied credit and a seperate payment had to made after!

I also believe the way this was handled is subject to 36c1 ( iii ) Non-conforming payments. If a servicer specifies in writing requirements for the consumer to follow in making payments, but accepts a payment that does not conform to the requirements, the servicer shall credit the payment as of five days after receipt.

I believe there refusal to credit me back and have me wait over 5 days is in violation of this.

I called back to notify 5/3 of these concerns but was told their procedures again.

I am not sure if my interpretation of reg z is correct but at the very least it doesn't seem like they are acting in good faith holding the funds and not getting back to me until at leastXX/XX/XXXX.. .hopefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After Hurricane Irma left us with property damage I called Quicken Loans to place the mortgage in forbearance. They walked me through the process of how an adjustment would work and applied the forbearance.

I've had monthly phone calls where they've checked in and they've asked me each time if it was my primary residence and if it was occupied and each time I've told them it is not my primary residence, but it does have a tenant who is renting from us.

This month when the time came to adjust the mortgage they've told me that they can't adjust it because it's a second home so I now have a {$7000.00} balance due, or {$510.00} a month for 12 months ( they adjusted from 6 months to 12 ). I can not afford an extra {$510.00} a month, I don't have that money sitting in my checking account. Quicken 's response is just " sorry we made a mistake, you need to pay for it ''. I've done the right thing in trying to repay the loan on a property that is upside down when everyone else foreclosed or short selled, now my credit and life is ruined. They are engineered to " amaze '', but not in the way their marketing department wants them to be.

Company response to consumer: Closed with non-monetary relief