BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: Immediate Credit Recovery
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Re : School loan Account # XXXX I am writing to ask your help in resolving my efforts to pay off my son 's school loan. Please note that I am not an account holder or co-signer. 

He has given me his written permission to negotiate on his behalf with the Department of Education, Immediate Credit Recovery Inc. ( the collection agency ) and any other interested party. My attorney   advised me that, by statute, a payment of 90 % of the amount then due would satisfy the loan and end the garnishment. He also advised me to seek help myself before employing him to act for me. 

I have tried to do this. My son has had no written updates from anyone concerning his loan since XX/XX/XXXX, when it had mounted from the original {$38000.00} to {$64000.00}. Since XXXX his wages have been garnished and income tax return seized. 

On XX/XX/XXXX, I sent 90 % of the XXXX figure to the Department of Education as instructed, asking whether that, plus the garnishment and tax return, was adequate to satisfy the loan. 

My check for {$57000.00} promptly cleared my bank on XX/XX/XXXX. Success? However, I heard not a peep from the DOE or its collection agency. Garnishment continued. As of XX/XX/XXXX, {$5500.00} had been taken from his earnings. I believe the tax return was small, but don't know the amount. 

When I first spoke to Immediate Credit Recovery Inc., I was instructed to fax my son 's permission before they could speak to me. I don't have a fax, and they refused to accept an email with attached photo. I tried calling the Department of Education. It required all my persistence just to get the correct phone number, and then I was greeted with an insurmountable phone tree. The tree did tell me that as of XX/XX/XXXX he owed {$68000.00}. ( What about my XXXX check? What about his garnishment and tax returns? ) On XX/XX/XXXX, I sent appeals to both the DOE and ICR for correction, and included XXXX XXXX   permission and documentation. I also faxed this mailing to ICR. To date I have had no written response. I do not want to speak to either of these agencies. I believe we have overpaid, and I want a documented calculation showing my XXXX payment and all garnishment and other confiscation, and removal of any interest or penalties added since XXXX. 

I am attaching my letters and can provide other documentation as required. 

Thank you for any help you can give us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for a free trial, then turns out -- it's basically impossible to cancel. They make it incredibly easy to sign up online, but -- unlike every other business I've ever interacted with in the 21st century -- they will not allow you to CANCEL online. You have to call this one number, during very specific hours, during which I, like most people, work. This is an unfair and predatory practice.

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 2020-11-04
Company: EQUIFAX, INC.
State: NV
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 a car loan on my credit report that does not belong to me. It was disputed with all three credit bureaus. I filed a police report and an identity theft report. The contract from this company and initial application has my name but a totally different social that doesn't even belong to me on it. XXXX  and XXXX  both deleted the account but Equifax has deleted it and then put it back on. There is no proof it is mine and the social the account is under isn't even my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX/XXXX Inquiry XX/XX/2017 I do not recall giving the above company permission to access my credit report from Transunion or any other credit bureau, I request proof, rather it is my signature, or voice recording giving my premission to access my credit bureaus

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 2019-02-07
Company: JPMORGAN CHASE & CO.
State: NJ
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:
While I was traveling through XXXX, I stayed in XXXX for 3 days. 
On the night of XX/XX/2018 my card was charged several times for items I did not purchase. 

XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX I filed a dispute with Chase Bank regarding these charges which was not approved. So I filed a 2nd dispute which was also declined. The only information we were able to receive on how these decisions were made are a few receipts with chicken scratch signatures that not only do not look like my signature but look like random scribbles. I asked if they would send a report on how they came to their decisions to which they said they would be sending one in the mail. I never received any sort of report for any charge and am left assuming that they declined the disputes based on the signatures provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: AES/PHEAA
State: AZ
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 am currently in school full time, and I will be for some time. I have loans on an Income-Driven Repayment Plan ( IDR ) and Public Service Loan Forgiveness ( PSLF ) and I have loans on in-school deferment. I have submitted numerous deferment waiver forms, and I have sent numerous messages to waive the deferment and make it so the loans never go into deferment. I need all of my loans to be on the IDR/PSLF plan. I also will be applying for a loan soon, and having the loans on deferment hurts me. In previous messages I have been told that the waiver was processed, which it wasn't. I was told in the most recent message that it is not possible to waive in school deferment and that I would have to wait until I am out of school and even wait the grace period, which is utterly and absolutely absurd. Why would an in-school deferment form even exist if it wasn't possible? I am not sure what else I can do to have my request processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: MoneyLion Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I signed an online loan agreement with MoneyLion onXX/XX/19. Loan # XXXX in the amount of {$500.00}. Payments of {$43.00} began on XX/XX/XXXX. Toward the end of XX/XX/XXXX I  decided to exercise my right to pay the loan in full by use of my debit card ending in XXXX. They advertised that by using a debit card my payment would be credited instantly. My card ending in XXXX ( which they had on file ) had an expiration date of XX/XX/XXXX. Before my attempt to make the payment in full I received my updated credit card ( same account # ending in XXXX ) however it had a new expiration date ( XX/XX/XXXX ) and a new 3 digit security code. I attempted to update the card on the MoneyLion app but was unsuccessful. I called them several times in late XX/XX/XXXX and early XX/XX/XXXX. Each time I was put on hold from 1 - 2 hours and then told they were unable to update my card either. On XX/XX/XXXX I spoke with a supervisor who gave me a ticket # XXXX. He promised a resolution in 3-5 days. Today, XX/XX/XXXX, I called again. I was on hold a total of 2 hours and 3 mins. I was then told they still couldnt get my card updated and again I was unable to pay the loan off. Meanwhile interest continued to accrue. There is nothing wrong with my card. I use it almost every day. There is over {$1000.00} in the account and Ive been with this bank for more than 20 years. Ive tried everything I know to do to work with them to get this straightened out but despite hours of my time, to no avail. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: CA
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:
In early XXXX of 2020, I started a quest to lower my TV and internet costs. I made a call to XXXX XXXX. I was very clear with the channels I needed and I was assured that I could be accommodated. The conversation continued involving various packages. I was told that they needed personal information to make sure that I got the best rates but no consent was given for a credit report inquiry at all. I am very protective of my information. Some 20-30 minutes later the salesperson finally admitted that they could not offer the only channels that I wanted. I was done with XXXX  ... or so I thought. It seems that without my knowledge they ran my credit report. And it is a hard inquiry. I am on the phone now being told that I " should not worry about it '' but I am worried. They ran a hard inquiry without my permission. I do not have an account with XXXX. And now I have bigger concerns about the integrity of XXXX and the person that used my social security number without my permission. This hard inquiry will remain on my Equifax credit report for possible two years. XXXX  is refusing to help at all. This will be on my credit for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt was accumulated as I was the caretaker for my spouse for 5 years until she XXXX  in 2018 of XXXX XXXX & XXXX XXXX I was unable to work full time so this burden of debt was created. 
Now at the age of XXXX I am haunted and threaten by the bank and collectors of theirs. 
Please help me I have been sending half of my S/Security income monthly to them {$900.00} among the XXXXhree Institutions but their collectors are relentless. 

In my life time i would not be able to satisfy these debt and especially now with the pandemic and being unemployed for almost a year i am destitute.

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 2021-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Portfolio recovery a/ XXXX  XXXX XXXX XXXX XXXX opened XX/XX/17 & XX/XX/17, I paid this account off, XXXX & XXXX is showing on my report that I owe but I don't

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: PRESTIGE FINANCIAL SERVICES 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:
I have tried in good faith to deal with this company but it is nearly impossible to do. My next step is to email the president of the company and describe how his employees are treating it's customers. To make a long story short I have paid this loan in good faith for the past 5 years. My payments are reflected as paid on time on all credit bureaus as of XX/XX/XXXX and as of recently the account has been paid off ( Thank God ) on XX/XX/XXXX. The most recent update on my credit report reflects DEROGATORY and I'm trying to figure out how can an account that has been paid on time for the past 5 years is being rated as derogatory. If this is how the Fair Credit Reporting Act is fair to consumers something definitely needs to be revamped. How can you report to a credit bureau that an account is derogatory with on time payments for the past 5 years. I want this account removed from my credit report as this is the only account reporting inaccurate and negative information. This is the worst company to ever deal with and I would like a resolution because this is totally unfair and there needs to be an investigation into this company. This company can not decide when they want to make an account derogatory and not follow all procedures which they did not in this case. This company should be fined and held accountable for their actions. If I've been treated like this I'm sure there are others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account has been locked for at least 1.5 weeks but probably longer. I started receiving login errors on XXXX XXXX, XXXX. The last time I accessed the account was on XXXX XXXX, XXXX. After numerous emails and an 38 minute phone call, Coinbase wo n't unlock it. They wont say when it was locked, why it was locked and when it could be unlocked. I just want access to my account ; to verify that my virtual currency is still in the account ( as I 've heard of numerous hacking attacks ) and to cash out some of it now. Below is some correspondence between myself and Coinbase. 

XXXX/XXXX/XXXX 1st email to support - I suspect a bot responded with a generic will look into it email. 
XXXX or XXXX 2nd email to support - No response XXXX/XXXX/XXXX - Found out they started offering phone support and called it. Consisted of 30 minutes of hold time and 8 minutes of no help by the support specialist. Support did n't know why the account was locked or when it would be unlocked. 
XXXX/XXXX/XXXX - Automated email received from Coinbase regarding some tips which does n't help my locked out problem. 
XXXX/XXXX/XXXX - problem persists with no resolution on site. 

I have exhausted all options and I 've read that this federal agency can force them to comply. I really appreciate all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.

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 2018-06-08
Company: Holst & Boettcher, LLP
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Payroll garnishment on original amount of {$7200.00}, which is incorrect. I've paid {$4000.00} in ( XXXX ) and {$2300.00} YTD ( XXXX ). Total amount paid {$6400.00} or 88 % of incorrect total amount. XXXX, XXXX XXXX XXXX XXXX is reporting an additional {$6200.00} balance for a total balance of {$13000.00} owed. I believe this law firm and these attorneys are attempting to take advantage and apply unfair and possibly unlawful practices to inflate original debt of a consumer. Excessive interest and taxes being applied to debt that has been recovered and written off by the original credit union ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: GVA Holdings, LLC
State: AL
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:
The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : XXXX XXXX XX/XX/XXXX 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 XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
In XX/XX/XXXX I sent a dispute request to XXXX  regarding late payments and balance inaccuracies that were being reported on my credit report from Navient. Although I sent XXXX  a copy of my credit report highlighting the inaccuracies, XXXX did the investigation and advised the inaccuracies were correct. How is this possible when : FCRA STATES ALL INFORMATION MUST BE ACCURATE. HOW CAN NAVIENT REPORT DIFFERENT BALANCE INFORMATION & SAY ITS CORRECT?? 

On XX/XX/XXXX, the office of Federal Student Aid began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate. 

On XX/XX/XXXX, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) became law, providing for the above relief measures on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 


Navient reported me late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

How could I possibly be late if the FEDERAL GOVERNMENT SUSPENDED ALL FEDERAL STUDENT LOAN PAYMENTS & INTEREST. 

How could I possibly be 90 days late on any payment if I was NEVER 30, or 60 days late prior or no notice of me being late was ever SENT TO ME. 

NAVIENT WAS SUED IN XXXX What is the Navient lawsuit? 
The U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general sued Navient in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. The California and Mississippi attorneys general filed suits in XXXX and XX/XX/XXXX, respectively. 
Among other things, the CFPB alleges that since at least XX/XX/XXXX, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. 

So how were you able to verify these inaccurate late payments are correct?? Where is the proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I have already filed a complaint and received their response. They are unwilling to work with us to repay the property taxes that they paid.

We have been working with an outside institution to try to obtain the funds required to stop the foreclosure.

I am very concerned that if I get what they say is needed they will have changed the amount and not notified us.

The Law Firm was unable to give an exact amount needed and it took several contacts with Ocwen to get someone to respond with an amount.

We are reaching the deadline and I want to make sure they have not changed the amount or the rules.

They sent letter dated XX/XX/2018 that the amount required to stop foreclosure was {$3100.00}.

Can you contact them on our behalf to make sure they are sticking to this amount because if they have changed this amount our attempts to obtain funding will be in vain and they did not notify us with a formal letter of any increases or changes and they would not have given us enough time for any adjustments.

If they did change any amounts due without notifying us would they not be in violation of the fair debt responsibility?

If possible can you contact them on our behalf and get back to us asap?

Ocwen Reverse Mortgage Servicing Dept Loan # XXXX  ( XXXX ) XXXX office ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX  ( XXXX   ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were a large sum of illegal purchases on my card. I called and they removed the estimated {$900.00} on my credit card. Then I had a credit on my account because I continued paying on my card to avoid anything being put on my credit. They never replaced my card after that and the charges were mysterious put on. I can not get a straight answer but the charges aren't mine and I would like the charges removed and the money I have paid credited back to my account with a new card issued.

Company response to consumer: Closed with non-monetary relief