BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX PREMIER Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Stellar Recovery, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went through a period where I moved from my home and because I had not found a new home yet, I was living in temporary housing. So during a four month period I was living in three different  places. Each had service with XXXX XXXX. Each time I moved I transferred service and provided my new address, etc. My phone number always stayed the same as I use my cell number exclusively. Now, over a year later I am applying for a mortgage to purchase a home. My credit has always been excellent. I have never not paid a bill and strive to be timely with all payments ... never over 30 days. I pay most of my bills via direct autopay to avoid being late to protect my credit. I was shocked to see that XXXX XXXX had placed me in collections in XXXX 2016! for the period of time when I was in two months temporary housing! I have had service with XXXX for over a year now at my new address, have been told by a XXXX agent that my payment history is 100 % perfect. The record shows that a payment I made during that time period was actually credited to my former residence. XXXX is now saying that they sent me a letter in XXXX, 2016 to tell me that I was being placed in collections! I just do n't believe them. I open all of my mail and if I EVER saw something like this I would NOT ignore it!!! Even if they did send it ... this is the only communication that they sent me! I have been a XXXX customer for a very long time and I am extremely upset. This is going to cost me an extra $ XXXX {$10000.00} to purchase my home because of the way it has impacted my credit. It is unfair. This is so upsetting to me I can not sleep and it is all I think about. I need this to be removed from my credit report because I do n't think the manner that they addressed this was fair. I was NOT properly informed of a debt and was put into collection without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a fire in my house where substantial damage occurred on XX/XX/2022. My insurance company provided an initial settlement to rebuild the house ; sending a check to me, my wife, and my mortgage lender XXXX in the amount of {$290000.00}. 

After the initial payout of {$97000.00} and partial additional funds of {$110000.00}, XXXX has denied my various request for more funding so I can finish rebuilding my house. 

I have provided receipts and bids showing funds I have spent forwarded to XXXX to no avail. As of today, I have spent {$290000.00} and I can not continue to fund the rebuild while XXXX is holding funds that are intended for my rebuild. 

XXXX claims their inspection department is showing not enough progress was made on repairs so they are withholding the funds. However, I have stated repeatedly and in multiple letters to them that their inspection is wrong. I even provided receipts from city inspection showing further progress of my house. 

At this point, XXXX is hindering my process to complete the rebuild of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I started college in XX/XX/XXXX. I finished my XXXX degree in XX/XX/XXXX, XXXX  in XX/XX/XXXXand my XXXX in XX/XX/XXXX. I did not pay {$250000.00} for my education but due to the interest as a result of forbearance that is my current debt. 

I switched from private sector to government in the hopes that I would be able to have some of the debt forgiven. 

At this point I am not sure what will transpire but wanted to submit a complaint in the hopes that I would be able to get some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Closed credit card with Citicard in XXXX, XXXX. Citi keeps billing, sending collection calls to my husbands work phone and sending me emails stating we owe them on a dispute which was resolved back in XXXX, XXXX from merchant XXXX and XXXX. XXXX and XXXX failed to deliver gift basket to my doctor so I disputed their {$60.00} charge with Citi. XXXX and XXXX credited {$60.00} back to Citicards immediately as I saw the transaction online. Now after we closed our account and unable to see transaction, Citi has been harassing us for the disputed amount plus interest and late fees. We have reached out to Citicards at least 5 times now where in the agents see the credited {$60.00} back from XXXX and XXXX, but yet say they cant do anything about it ; its the Dispute Depts job and they will call you back. Nobody from Citicards has ever called back. Now Citi says we owe them {$140.00}!!

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 2022-08-25
Company: Nelnet, Inc.
State: AZ
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:
The collage I went to ( XXXX XXXX ) is no longer accredited nor did anybody receive their diploma. The loan has tacked on so much interest and the school is no longer. I feel that the whole loan should be forgiven due to the severity of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
I recently disputed both XXXX XXXX accounts on experian to be updated it now says Account Previously In Dispute - Now Resolved - Reported By Subscriber. I would like this removed as it this will cause a problem when I apply for mortgage.

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 2020-08-30
Company: PLS GROUP, INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2020, at XXXX XXXX  I went to PLS Check Cashers located on XXXX XXXX XXXX, TX XXXX to cash my check for {$2900.00}. After a fee ( XXXX ), my total cashback was {$2800.00}. The teller counted it and gave it to me. Once I got home I counted the money and noticed that I was only given {$1900.00}. I went back to ask the teller to count and she refused to count her drawer to see if she balanced. I asked to see the video surveillance and was also denied access. The teller told me to come back once her shift ended. I came back at XXXX XXXX. And was told that she balanced and they had checked the video and everything balance out. This can't be since I am missing XXXX dollars. I filed a police report at their recommendation but nothing has been done. I can not be out XXXX, especially without any help from them.

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 2020-07-04
Company: GreenSky, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Filed a complaint with CFPB on XXXX complaint number XXXX. 
Complaint was for fraud wire transfer by a company. 

Company responded with its final answer exactly on the 60th day. 

The answer said they contacted me, they never did They also said they contacted the merchant when they could not have since the state of Wisconsin put them out of business for their part in this scheme. 

Then the second part of the response states that their fraud department is still working to resolve this matter. How can this matter be considered closed by.the CFPB? I have been going in circles with these people and they respond to the CFPB with this sort of answer and you just close the investigation? 
This matter is not resolved when the company clearly states it is still investigating the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: AES/PHEAA
State: NY
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:
FedLoan Servicing ( PHEAA ) has begun ignoring my payment instructions yet again. This is the fifth CFPB complaint I have had to file because this company refuses to follow my payment instructions. My standing payment instructions were attached to a previous CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of that complaint. The most recent example of incorrectly applied payments is my XX/XX/XXXX payment for {$360.00} that was applied to my loans on XX/XX/XXXX. This payment should have been applied to the loan with a disbursement date of XX/XX/XXXX and interest rate of 4.45 % but it was instead applied to a loan with a lower interest rate. I have attached a screen capture showing my two most recent payments that have not been applied correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: SYNCHRONY FINANCIAL
State: OH
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:
See attached letter from Syncrony Bank. On the first page, the bank admits that the original application for the account is no longer available due to age of the account. So the bank has a name and address, which are 2 methods to verify the account. However, federal law requires 3 methods to verify account information.

Per the Fair Credit Reporting Act, 615, e, 3, the requirement for verification must be consistent with U.S. Code 5318. Below is a reference from the Fair Credit Reporting Act : " Consistency with verification requirements. Guidelines established pursuant to paragraph ( 1 ) shall not be inconsistent with the policies and procedures required under section 5318 ( l ) of title 31, United States Code. '' Per U.S. Code 5318, title 31, there must be 3 forms of identification. The collector has only provided name, address,
and confirmed there are no other forms of verifying identity.

Below is an excerpt of U.S. Code 5318, title 31 ( I ) ( 2 ) ( B ) : " Compliance, exemptions, and summons authority l ) Identification and Verification of Accountholders. ( 2 ) Minimum requirements.The regulations shall, at a minimum, require financial institutions to implement, and customers ( after being given adequate notice ) to comply with, reasonable procedures for ( A ) verifying the identity of any person seeking to open an account to the extent reasonable and practicable ; ( B ) maintaining records of the information used to verify a persons identity, including name, address, AND other identifying information ; '' As the law states, " name, address, AND other identifying information ''. 
Syncrony Bank has only maintained a name and address. There are no other records to maintain other identifying information since the original application for the account is not available. See attached for laws provided by the Federal Trade Commission. I have attached documents of these laws for your convenience.

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 2021-10-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
COMENITY CAPITAL BANK OPEN A XXXX XXXX   CARD NO.XXXX. IT WAS REPORTING ALL BUREAUS, BUT NOW ONLY XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I'm making this complaint for the return of my private mortgage insurance for which I have been paying to XXXX mortgage company from XXXX to XXXX in the amount of {$130.00} dollars a month my research indicates I am qualified and should be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: VA
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 previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way you were able to verify this! I'm invoking my rights as a consumer under Federal Law and they are choosing to blatantly just ignore me. That's why I am filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: ERC
State: OH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from the CBE group claiming to collect a debt that is not owed. They have my personal information. The call cam in on XXXX XXXX  on XX/XX/2021 from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Navient Solutions, LLC.
State: WA
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:
When I left school because the costs got too high, and when I moved out of my parent 's house I could no longer get the aid I needed to finish attending school at the University I started at, I was regularly steered towards what I now realize were poor options. 

Navient, among other servicers of my loans, including XXXX XXXX, continually, and willingly, as a first resort, offered me forebearance, and failed to mention not only the insurmountable amount of interest that would accrue, but the time period the forebearance was for. 

Many of the people working for these servicers had sub-par english communication, and I now realize, out of their fault, as my loan was passed through four or five different people, it eventually landed in default because of their inability to contact me because the contact information I provided the servicers was transcribed incorrectly. More importantly, it appears they made no effort at ever updating my phone number, either. 

Now, my student loans sit in default, I wasn't even able to graduate ( because moving out made me unable to receive aid at all ), and I'm trying to grind my way through self employment to get to a point where I can repair my shattered credit. I won't be able to buy a house before I'm XXXX, likely, and most of my loans ( ranging in original amounts from {$2000.00} to {$5000.00} ) have almost doubled in balance. 

On top of that, a servicer XXXX XXXX XXXX, seems to have added 18 % to my loan balances upon acquiring my loan, and we haven't even gotten to a point to talk about rehabilitation. Although, I shouldn't need to rehab my loans if these companies were more transparent and simply offered me something I could afford off of my $ XXXX/month paycheck I was getting when I first left school. 

Now an original amount of about {$20000.00}, is over {$36000.00}, roughly 9 years AFTER I've left school, and I've been notified now THREE YEARS after my loans have gone into default. Somehow, my mother received the notification letter at her brand new house they've built, that I do not live at, and I have not received a single thing at any of my previous addresses even though I have always placed a change of address. 

Now my life is shattered, my credit is destroyed, and there is no fix in sight. 

So, what do I do? I type this out in hopes that anything positive comes of it, but I know nothing will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Applied for home equity loan. Report states lack of revolving account info, lack of recent installment loan, too few accounts currently paid as agreed. We have credit for 60 years. We have two credit cards which are automatically withdrawn from bank account in full every month. Just because we do not carry balance every month, we should not be penalized. As far as we know we have never had a past due amount. We feel we should have perfect credit.

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 2018-07-10
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2018 {$500.00} worth of virtual currency were stolen from me, using a social media scam. I reported the theft to the company Coinbase, that I had used to transfer the currency. The company responded with an email that said that it was not possible to trace virtual currency transactions, and that transferring such currency was not only risky, but only possible thanks to a complete lack of consumer recourse. I told the company that my rights non-negotiable and then filed a complaint with the XXXX XXXX XXXX. The following Monday, XX/XX/2018, after having received the XXXX XXXX XXXX complaint, the company responded with another email that said it had now locked and disabled my account due to security reasons. This constitutes severe harassment and severe discriminatory practices on behalf of this company. So far Ive lost considerable sums, due to numerous factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2019 i received a phone call asking me to pay a debt for a cable bill that i never had. I ask if they can state my whole name and my address. The customer service rep would not answer my question. The customer service rep was very rude telling me that they were going to take legal actions for the amount of {$340.00}. I continue to ask to provide any information and the rep would not. This is un professional and i need proof of this account. I have NO KNOWLEDGE!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation