BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-29
Company: AES/PHEAA
State: OH
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 attended ( XXXX ) different Universities, in the following order : XXXX XXXX XXXX XXXX School in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX, XXXX University XX/XX/XXXX and XXXX University in XX/XX/XXXX-XX/XX/XXXX. I served in the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX and have XXXX XXXX XXXX. While in the service with my own money I attended and Graduated from XXXX by going to XXXX school. When I was XXXX on XX/XX/XXXX I enrolled at XXXX University to work on my XX/XX/XXXX in XX/XX/XXXX. This is when I took out XXXX in Stafford loans and ( XXXX ) plus loan to help with books and expenses. I have 32.5 years of public service and was denied the PLSF forgiveness. I worked for the XXXX XXXX XXXX XXXX and now the XXXX XXXX XXXX XXXX and Im a XXXX XXXX XXXX Veteran that struggles every day to work. I borrowed XXXX dollars and now owe XXXX dollars to Fed loan Servicing. I qualified for the XXXX GI bill but with XXXX and a wife couldnt afford the XXXX buy in while serving. I was never notified by XXXX XXXX which is now Navient that my loans would be serviced by Fed Loan and that when they tacked on XXXX in interest at 8.5 %. I will be XXXX years old if I go with their program before this is paid off. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
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: Problem with personal statement of dispute

Complaint:
This is a general policy issue. Consumer debt is at an all time high. If you pay a credit card off and closed the account your credit score goes down. This policy needs review we should be encouraging and rewarding people for paying their cards off. What do you think?

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 2022-01-15
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I reached out with a few questions about my credit card. I asked about my APR. XXXX asked me to provide the three digits on the back of the card. I explained how would I do that when I haven't received the card? She said she couldn't help me without providing that information. I asked for a supervisor and was transferred to XXXX ( unsure of spelling as she refused to spell her name ). XXXX was very condescending and rude, making explain things over and over again. I could never get an answer of how I would provide the three digits on the back of the card when I was calling to say I hadn't received the call. Instead of resolving the issue, she disconnected the call after over 45 minutes. I called back and the hold is still over 20 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One offered balance transfer at zero percent interest for 18 months. I made my minimum payment required every month. I checked my statement each month to see if the zero percent interest was expiring and there was no information on my statement that the promotional rate was expiring and the balance would need to be paid in full to avoid interest. I called the company and they would not remove the interest stating they did not have to provide that information on my statement. I paid the balance in full and closed my account that day. I believe this to be a deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: IL
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 investigation has been a on going matter. XXXX, XXXX and Equifax sent me a credit report XX/XX/2021 stated XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has add a derogatory mark on my credit report per XXXX XXXX Upon further research this account, Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact or written signature this does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX, XXXX and Equifax has violated my rights as a consumer and im requesting legal action to remove this account immediately. please provide

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Hi, I am submitting this request regarding Coinbase 's glitch on XX/XX/XXXX where I made a Market purchase for BCH in USD for a total cost of {$3200.00}. During go-live sale for BCH on XXXX the price was jumping all around, to a point where it climbed up to a price of {$9500.00} where Coinbase had to freeze the exchange because of how out of control it was. 

My market purchase of {$3200.00}, was split into 2 purchases, XXXX BCH for {$5700.00} and XXXX for {$5900.00}. This granted me a total of XXXX BCH, short of what I should of received. Other exchanges did not have highs in the past months over {$5700.00}. 

I have submitted a ticket to Coinbase but have not received any support or call back on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XXXX/XXXX/2016. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX  XXXX. Although, the company has not responded. I expect that it will be resolved quickly.

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 2022-01-15
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im requesting for Carrington Mortgage Services to investigate the enclosed Assignment of Mortgage and transfer from XXXX. 

XXXX XXXX XXXX XXXX was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State  of Department of Financial Services ( DFS ) on XX/XX/2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX  ). 

XXXX can not demonstrate an agency relationship between itself and the note holder that gives XXXX the authority to transfer assignments from one entity to another. Furthermore, it would be against XXXX procedure of operation to make an assignment yet XXXX acknowledges in its very own Procedures Manual that it can not make any transfer of assignments to another. XXXX own admission : XXXX  can not transfer the beneficial rights to the debt. The debt can only be transferred by properly endorsing the Promissory Note to the transferee. ( Page 63 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
US Bank was running a branch promotion for {$200.00} based on opening a new checking account. The {$200.00} would be dispersed in increments of {$50.00} each month based on the requirement of spending {$50.00} with my debit card each month. I met those terms for all four months but was only paid for the first three. My spending on month four was done at the end of the month, but due to a delay caused by US Bank, the charge did not post on their end until the following month. The terms specify debit card use must take place during the qualifying month, but does not specify that the charge must post, on their end within that month. Therefore, I met the terms as were advertised though US Bank has refused to pay out the remaining {$50.00}.

***This is a follow up complaint to a recently closed complaint, since US Bank was disingenuous in their response and provided false information. 

US Bank identifies only {$20.00} in debit card use for the month of XX/XX/XXXX 2018, and they provide a statement with debit card use and posting dates that differ from what is true and shown on my online banking. I will now provide a screen shot of a {$30.00} debit card use made on XX/XX/XXXX towards an XXXX purchase. This screenshot shows I met the requirements for a {$50.00} bonus for {$50.00} in debit purchases made in the month of XX/XX/XXXX. It further shows there was a delay in the posting of said purchases that US Bank is basing their denial of bonus payout on. 

I made US Bank customer services reps aware of these qualifying purchases on several follow up phone calls. 

Their furnishing of a bank statement, to the CFPB, that is misleading in omitting the actual date of my debit card use, and their using this misleading statement to make false statements is indicative of a purposeful attempt to not fulfill the terms and conditions they advertised.

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 monetary relief
Consumer complaint received 2018-03-16
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  refuses to respond to debt verification but continues to report unverified debts to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my annual escrow statement from Flagstar bank in the mail on XX/XX/XXXX. The date of my escrow analysis printed on the mailing was XX/XX/XXXX. This statement said they had found a shortage of escrow funds in the amount of {$500.00}. 

I found this shortage to be caused by Flagstar Bank making the required XXXX tax payment of {$1000.00} and the insurance payment of {$360.00}. The tax was previously paid in three installment payments due in XXXX, XXXX, and XXXX. This time, the tax was paid in full in XXXX. This tax payment and the insurance payment brought the account down from {$1000.00} to a negative balance of ( {$370.00} ). If the installment payment was made as in previous years, the account should have only been charged {$270.00} for taxes and {$360.00} for insurance both due XXXX of XXXX. This would have left the escrow account with a balance of {$440.00}. 

Upon calling Flagstar Bank customer support on XX/XX/XXXX, I spoke with three customer service representatives. One from Flagstar Bank 's tax department and two from Flagstar Bank 's escrow department. I relayed my above explanation to each representative. Each representative was confused by my explanation and I asked each to investigate the situation or send me to someone who might be able to help. During this call, I was told false information by the last two representatives. I was told that my previous loan servicer did not hold funds in the escrow account to cover the costs of insurance and taxes. This is untrue because if the tax payments were made by Flagstar in three installment payments required by the County, the account would not have gone below {$400.00} as stated above. I was also told that my taxes had increased and that was the reason for the shortage. This is untrue because the previous three years have had tax decreases for the property. I was told someone would call back once they had a chance to review the account. 

On XX/XX/XXXX, I received a mortgage statement from Flagstar by mail. This statement reflected the increase in escrow payment necessary to cover the supposed shortage for next months billing. As of one week later I still have not heard anything from Flagstar regarding this matter.

Due to these conversations, I believe Flagstar to be grossly negligent in their handling of escrow account funds. I believe that they, through the use of the aforementioned error, are attempting to increase funds available in escrow beyond the legally allowable amount. This may cause consumers undue financial hardship while dually benefiting Flagstar Bank.

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 2021-03-24
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Summer class in XX/XX/2015 in the amount of XXXX Dollars. 
I am now asking for this account to be put back on my credit report. Due to speaking with my credit lawyer and also all 3 credit bureaus this will be best, because putting it back on my credit report forces them to send proof of this account which I know they can't. And upon checking all my XX/XX/XXXX email, there was never an email sent to Ms. XXXX XXXX. 

I have asked XXXXXX/XX/XXXX over and over again, to send me proof that I asked Ms. XXXX XXXX that I asked her to leave me in her class, Which they claim they did speak with her. However, MsXXXX XXXX never gave out her personal phone number and all you could do was reach her through email. So I asked for proof about that and they never responded. Instead they sent my account to collections, and the collection agency couldn't verify anything so I guess they and XXXX decided to take it off my credit report but still hold it in the collect agency file. I know I never asked Ms. XXXX XXXX to keep me in the class, because I had just lost my father. I had even dropped myXX/XX/2015spring class also because he became ill. This is stopping me from finishing up school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
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:
On XXXX XXXX, 2017, I disputed the account listed on my credit report as ONE MAIN. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought Springleaf Financial. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and  closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My XXXX and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Central Portfolio Control Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Central Portfolio Cont. has made a fraudulent claim on behalf of XXXX XXXX XXXX I to the Credit Bureau stating that I owe a debt of {$810.00}. They are stating per my credit report that the debt/collection was open in XX/XX/XXXX, however after speaking with them via phone, they stated that this is a debt from XXXX and was XXXX on XXXX. They are refusing to give paperwork stating that this is a debt from XXXX and XXXX in XXXX. It also states that the debt was discharged on my credit report however it still states that it is a new debt due to Central Portfolio Cont. on behalf of XXXX XXXX XXXX I falsifying the date on my credit report. In the state of Virginia the applicable statue of limitations is XXXX years. After the statue of limitations has expired, a creditor or debt collector can no longer file a collection of that debt. They are also in violation of the Fair Debt Collection Practices Act ( FDCPA ) due to this being a time-barred debt and falsifying the date of the debt as stated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Maximus Education, LLC dba Aidvantage
State: SC
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:
All of my XXXX counts shows late payments that are inaccurate. Ive tried several times to fix this issue and XXXX refuses to do a thorough research of my account. I am showing late payments on my account after a unemployment forbearance was submitted. XXXX replied back stating that these were prior to forbearance when it fact I completed my documentation and had many phone calls to make sure there were no late payments or defaults. The loans were sent to default and after a lot of calls, emails and complaints XXXX realized it was an error on their behalf and rescinded the defaulted loans and placed back into good standing.This matter needs to be thoroughly investigated and case should not just be closed bc XXXX responded with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: CarMax, Inc.
State: NC
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:
Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For years I had issues with dealing with sallie Mae to XXXX with Navient with paying for my student loans. I had to stop going to school due to the interest. I could not find a job to afford the payments. I have been living at home for years after college. I was harassed by sallie Mae and navient to the point I do not want to speak with them. I was unemployed in for a year and Navient did not care. They wanted me to pay my student loans when you know unemployment does not pay that much in Maryland. During the pandemic, They promised to stop the payments for 6 months but that was a lie. They told me that i had to call in every month. When I was on the Income driven program, for over 2 years. They claim that the program did not exist. My loan is almost XXXX due to interest which they did not disclose that IT would be over 21 %. This has become a predatory loan. I work for a medical non profit which I am unable to afford to payments due to making below 80 to 90 k. I barely make XXXX XXXX and it took me 5 years to go from XXXX  - XXXX XXXX  They also are unable to provide me refinance option with their organization which is very odd due to unreachable qualification. The reason why I don not qualify is because Navient affects my credit score which affects my change to refinance with their organization.

Company response to consumer: Closed with explanation