BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: National Recoveries, Inc.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I recv 'd a letter dated XX/XX/18 from the US Dept. of Tres.  stating they were going to with hold 15 % of my social security XXXX to collect a past due fed student loan. I have req 'd deferments over the past few years until I was told I could not do so anymore, I was not given a reason except that I had exceeded my limit. When I recv 'd this notice it said to contact the US Dept of Educ. to stop the matter and when I called a recorded message advised me to contact National Recoveries Inc. This was the first time I have heard of this company, I have not had any correspondence with them. I have attempted to contact them several times and each time I am unable to reach a representative. I am currently living under the poverty line and this would certainly put enormous pressure on my financial situation. If I was given the opportunity, and was not, to make other arrangements I would have done so. I would greatly appreciate your assistance in this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hi there! I was doing trading on coinbase, and 1 month ago I tried to withdrawal from my coinbase account to my XXXX XXXX XXXX account.Transcation appears complete, But I still couldnt get my XXXX $ from coinbase. I dont reply my mails, calling etc. I dont know what I have to do. Could you help me about it please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
lease term terminated on XX/XX/XXXX and car was returned on XXXX.Final payment was made on XX/XX/XXXX. US Bank took another payment out of my bank account on XX/XX/XXXX. This must be illegal. On XX/XX/XXXX they told me they would mail me a refund. I asked them to electronically credit my bank account but they said they can not do that. They now tell me that check was mailed to me on XX/XX/XXXX but i have not received it. They say it can take 14 business days after they mail it. They offered to stop payment and issue another check but that process would take up to 24 business days. this would mean I might get refund over 2 months after they illegally took my money.

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 2020-02-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I noticed a late reporting on my account with XXXX XXXX XXXX   account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The original member of Suntrust bank, XXXX XXXX, retired and in her place XXXX XXXX XXXX took over her assignments. He was unprofessional. Upon his first contact, he called on a Saturday to introduce himself. He proceeded by assuming that what I needed was down payment assistance when in reality I needed financing. When I stepped in to correct him the stated for me to let him " finish '' and that the call was simply a " courtesy call '' as he did not work weekends. I was unable to give him much more information since he appeared not to care. 

Given the horrible call, I still held faith in Suntrust to move forward with my financing. I had received conflicting information between the lender and the county and asked for his help, which he did not provide. He never pre-approved me even when I had sent him all of my documents. He insisted that I send him a copy of my social security card via an unsecured email server, he would not move forward after multiple emails granting him authorization to proceed and run my credit given that there is still funding in the program. The last straw was that he asked me to call the county and see if there was funding. 

He was literally going in circles and stringing me along. Given that this program is for people who do not make a lot of money and do not have any other previous homes, he took advantage of me and my situation. This is unacceptable and now I do not have a financing and I lost my chance at owning the property I liked because this was going for more than a month!

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 2020-02-11
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter in the mail from Phoenix Financial Services saying that I had a debt for {$500.00} but I could pay around {$250.00} for half of it. I disputed this a couple of years ago because I went to the hospital for my XXXX in 2015. Why am I receiving this debt if it was successfully disputed? Also, Ive blocked all the numbers theyve been calling me from it has to be over five or six numbers. Its ridiculous, why continue to call from different numbers?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is not reporting correctly on my credit report. 

XXXX XXXX XXXX XXXX XXXX Different addresses that does not belong to me are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
Im seeking my remedy from Santander Consumer Use pursuant to 15 usc 1681n ( a ) ( 1 ) ( b ) since this inquiry has been removed and they are guilty of their fraudulent acts.

( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is My second complaint against this company who has still failed to validate a debt that they are reporting to the credit bureaus. Their reply to my first complaint was that they validated my debt because of an address they sent statements to. That is not a legitimate proof a debt. They also stated a application was done online. 
I am now requesting copies of what they are entailing on their response. I am asking they validate my debt under the FCRA. They are in violation of the law and have not been responsive to me in my request. 
I would like proof that they sent correspondence to that address they have on file and also a copy of an online application. That stated they used Public records I do not have a middle initial to my name. The public records is tied to a person with the same name as me but has a middle initial. This is fraudulent and I demand I proper validation of debt. 
I have proof that the inquiry in my report from capital one was proven to not be me and that was sent to me from Capital one themselves. They are now in violation of the FCRA under section 604 A B and section 809B

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Westlake Services, LLC
State: MD
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:
I had a loan with westlake financial services. When I refinanced with XXXX XXXX XXXX they closed out the account on XX/XX/18 and now XXXX   is reporting a late payment in XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Slate account ending in XXXX has been billed interest and fees associated with a charge in the amount of XXXX on or around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA. This charge has been in dispute since XX/XX/XXXX with no resolution, an account supervisor stated today, XX/XX/XXXX, the merchant has not replied and does not have to. This is the second phase in disputes process. The dept handling dispute does not accept inbound calls.. Information was provided prior, as far back as XX/XX/XXXX, showing the items were not received. I know this info was included in initial dispute. XX/XX/XXXX tracking info shows package left with a XXXX XXXX, no one by this name lives at my address and I did not receive the package. Again, this information was provided to disputes reps several times as well via secure message on Chase.com. If Chase reps failed to see it and or act on it, that is their own error, not mine. It appears this is the case as the dispute is now in phase two in which the merchant does not have to reply, according to an account manager..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for a XXXX Credit card that would be issued through Chase Bank onXX/XX/XXXX. I recently pulled my annual credit reports and found there are additional hard inquiries for Chase Bank that I did n't authorize. They are showing on my XXXX and XXXX reports. On my XXXX report, it shows the address associated with the inquiry. The unauthorized inquiries are associated to an address that I moved out of in XX/XX/XXXX. the unauthorized inquiries were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
Today, XX/XX/2020, I received an alert from Experian that XXXX XXXX places a hard inquiry on my credit report at XXXX. 
I did not authorize nor request for a new credit card so I immediately contacted XXXX XXXX via phone. 
I spoke to several representatives who stated that XXXX XXXX did not pull a hard inquiry in my credit report. 
And to contact Experian to dispute the inquiry. 
I contacted Experian, and according to the dispute specialist..I can not dispute a hard inquiry. She stated that XXXX XXXX will need to dispute it. 
I contacted XXXX XXXX again, and XXXX XXXX representatives claim that I will need to dispute it myself. 
I am been given the run around by XXXX XXXX and Experian. 
Experian will not let me dispute the inaccurate hard inquiry placed on my file electronically or over the phone.

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 2018-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I submitted a dispute against XXXX XXXX to all 3 credit reporting agencies. XXXX XXXX advised Experian to DELETE XXXX XXXX account from my credit report. Experian has deleted all information about my XXXX XXXX account as if the past 5 years of excellent credit with them did not exist. XXXX XXXX does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.

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 2018-01-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
have not received following 5 withdrawals : I Have not received those wires from COINBASE XXXX XXXX XXXX {$2900.00} reference # XXXX XXXX XXXX {$9900.00} reference # XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$48000.00} ref # XXXX Please update me as soon as you are able to. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Citi Mortgage Started as ab line of credit, economy crashed and started to have financial difficulties. We received a letter from Citi Mortgage stating they were closing all lines of credits and had to pay it off, or convert to mortgage. We had no choice.
My husband and I started the paperwork seeking loan modification and we also made a large payment to catch up. We thought we would finally have our modification completed by now. It has been about 1 1/2 years by now.
They keep asking for more and more information to submit, resubmit over and over again etc. We are hoping for the relief this modification will bring us.
I am a 12 year XXXX XXXX  survivor and the stress dealing with Citi Mortgage is causing such stress.
XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX, N.J. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: Navient Solutions, LLC.
State: WI
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:
I have enrolled in the Income Driven Repayment Plan through Navient. I have struggled with this company since 2013 to repay my loans. I have gone into forbearance, deferment, and multiple Income Driven Repayment plans. I am a XXXX XXXX and attempting to repay my loans to the best of my ability. I am now enrolled in a XXXX XXXX/month repayment plan and have been been paying XXXX XXXX/month in order to put more towards my principle and pay off my debit faster. My recent payment of {$200.00} was posted and ALL of my payment was put towards the Interest! How is anyone capable of repaying a debt when nothing is going towards the Principle? Also, I have been attempting to raise my credit score ( as I am looking to purchase a home ) and after Navient posted my payment, my credit score drastically dropped as my total loan had RISEN {$110.00}! When researching how to get help with these loans as I went to school for XXXX XXXX ( which the job field was projected to rise ), I stumbled across four class action lawsuits and multiple borrowers who are also facing the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called to talk with NCS about this debt that is showing on my credit, and get more information. The first representative that I talked to, was very dismissive and aggressive. Her first name was XXXX. At one point, she absolutely refused to provide me with details about the original creditor, and said that it is non of my business. After too long had passed of this behavior, I asked for a supervisor. 
I believe the supervisors name was XXXX. She wasn't as rude as the previous rep, but still very unprofessional. 
The supervisor did provide me with some details, but still refused to enlighten me on who the creditor was. 
The overall 50 minute experience was awful and devastating. I can't believe that business are free to operate like this. 
Ultimately, I would just like to receive a valid consideration that this debt inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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: Information belongs to someone else

Complaint:
I have reviewed my Credit Report and seen a Number of Fraudulent Accounts and Inquiries. I have contacted the Creditors and they stated that they have No Evidence of my Credit with 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 explanation
Consumer complaint received 2017-07-30
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last Tuesday we recieved a call from a collections agent for Seterus. The representative was talking to my wife about letters we recieved that our account has fallen into foreclosure. We have been able to get our mortgage to just 30 days behind and have incurred and will pay huge penalties. In XXXX and XXXX will could not make the payment until the XXXX as the company I was working for had an internal hostile take over and commissions were frozen. This put us 45 days and right away we receive letters of impending foreclosure. This happened to us before and we had to borrow XXXX from my wife 's brother. As before the amount we owe includes hefty penalties. The reason for our struggle was a XXXX business that I owned and manage in 2016 was losing money. I was unable to take a check while we were trying to sell the business It would be worthless if the business was closed. In XXXX we forced to close the doors but found somebody to pay us just enough to pay down debt. I now have a stable job and we will make our payment Monday unless they tell us it wo n't make a difference as they will continue to move on the foreclosure. The person who called my wife talked to her as if she was a 5 year old. She told us to cut the off our cable like she had to do in the past. Very unprofessional and an example of how these debt collectors act. The last time the person told us to cut out our cell phones. Please help as you did in the past for me. If we pay Monday we are 30 days behind. All they want to do is force us to pay them there outrageous fees.

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 2020-02-11
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep calling and using different numbers and when you call back it says the number is no longer in service. They all so keep calling my cell phone number. When they send out letters they do not put who it is from. I called them about a year ago and they got nasty with me. They told me it is mine account but the only thing is I never recivied any cards from XXXX  XXXX at all. Midland Funding Llc calls all hours of the night either on the house phone or cell Phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America recently closed my Visa Credit Card after I have had it for over 17 years ( 2003 ). I have been a victim of identity theft and bank accounts have been opened under my name. I received a letter that my account has been closed due to returned check payments on charges I never made. I have disputed this on my credit report and they refuse to remove it. I called Bank of America and they couldn't give me akt of information but said they felt I would be suited for another bank even though I haven't used the card in 2 years they were not concerned that my account was used fraudulent ly. I feel like my 17 years there meant nothing to them and this account closure has hurt my credit score more.

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