BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-17
Company: SUNTRUST BANKS, INC.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2018 - Received an email from SunTrust stating that " If you had a previous userID and password, it will not work in Online Banking. You must enroll as a new user at suntrust.com to continue to access your mortgage online. To create a new userID and password, locate your mortgage account number on your statement, then click here and follow the on-screen instructions. '' XX/XX/2018 - I called SunTrust to confirm voice-to-voice that this eamail wasn't a phishing scam. Was told it was valid. 

XX/XX/2018 - Called SunTrust customer service again because when I clicked on the XX/XX/2018 email, where it stated to " click here '', the response was " Unsecure site ''. So, I needed confirmation on how to receive a secure site to follow the instructions in the XX/XX/XXXX email. 

XX/XX/2018 - Called SunTrust to get information and help. Customer service person said she'd walk me through it. She walked me through it and was unable to get new ID and password because computer screen said I was already signed up on online banking. Customer service person said she'd have to transfer me to another department. 

From day one, when my mortgage was transferred from XXXX XXXX to SunTrust I've had nothing but horrible service. Last summer I signed up for electronic statements ... nope still getting paper. It takes a complicated and time consuming effort to reach customer service, only to be placed on hold. Why does it take an hour to try to get answers to a customer 's questions? Horrible customer service. 

I want my mortgage loan transferred to any other possible loan servicer. I don't have the time to deal with Suntrust incompetence. I feel it's deliberate to keep customers in the dark on their finances. Every other loan servicer has been able to answer my questions and provide an easy to use online service.

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 2023-08-31
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX first chime took away my spot me account, which led to only the checking and credit builder left. I had money in all of them. I had atleast XXXX in my credit builder. I had 4 something in checking and 3 or 4 in my savings. I get paid every 2 weeks. I've had chime for atleast 4 or 5 years now and never had a problem. I've called and emailed. Just says due to a deposit agreement contract or something I did or someone else did. They have sent multiple emails with the same response, " your accounts are closed and no refund ''. Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: FL
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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX mortgage has violated my rights : 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-07-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Accounting for Corrections made by Chase in miscalculation of my principal balance, as stated in their correspondence, has not been disclosed.

Accounting for loan has not yet been provided for years XXXX Yearly tax statement from XXXX requested but not recieved.

ARM Amortization table for my loan will not be provided by bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to XXXX, Equifax Information Services, LLC, and XXXX  XXXX. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am  XXXX  and only sporadically employed.  Navient refuses t o give me a deferment, in spite of my inability to pay.   I am a   XXXX   XXXX   XXXX   recipient with very limited   XXXX   and not many job options outside of teaching are open to me.   I have notifi ed Navient that my cur rent adjunct teaching contracts for   XXXX   XXXX   through   XXXX   XXXX   XXXX     will provide me a gross annual income of {$17000.00}. I do not anticipate employment for the months of  XXXX ,  XXXX  and   XXXX   as there is no summer school, however, I will commence looking for full time work immediately upon the close of the spring semester at the end of  XXXX . I can not anticipate what work, if any, I will have after   XXXX   XXXX   XXXX    , so at this time, I anticipate my income for the year to be {$17000.00} or {$1400.00} per month.   In spite of thi s, Navient will not  grant me a deferment -- just before the time of year when I do not expect to be making any income at all.   They have proven very difficult to deal with, with different reps claiming that they need different documents at different times, claiming not to have received documents, or waiting unconscionably to respond ... usually insisting that other, new, documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've Contacted CREDIT CONTROL CORP in writing in XX/XX/2021. About Multiple medical debt that say I own with a debt Validation letter. They did not responded of prove that these debt belong to me. I've also called them in XX/XX/2021. About older debt that they say I owe which is pas sits statue of limitation in the state of Virginia and can't legally collect from me. They was rude and combative. They was not willing to help me at all.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The collection account in question belongs to someone with my name but the account originated in Texas. I have never lived in Texas. I have provided police report and affidavit.

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 2018-02-16
Company: First Credit Services Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company after I noticed that there was a collection from them on behalf of " XXXX XXXX XXXX ''. I advised them that I had no business with that company and have never stepped foot there. Furthermore I advised them to forward any documents, contracts or agreements to prove the debt. A substantial amount of time has passed since then and the only update has been a note on my credit report. I have not received any correspondence regarding this debt as far as ownership and confirmed my address and contact information with them. This is a predatory practice that has had a financial on me and needs to be corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Activehours
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
My bank XXXX is apparently not allowing me to use the earnin app and after talking with both them and earnin customer service both are unable to resolve this issue and I want to be able to use it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am resending this dispute as Experian marked my previous dispute as there is an unauthorized third party. THERE IS NO UNAUTHORIZED THIRD PARTY. I AM SUBMITTING THIS DISPUTE MYSELF. YOUR COMPANY JUST DOES NOT WANT TO DEAL WITH THIS ISSUE. HANDLE THE COMPLAINT. AGAIN, THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED. Is my complaint well stated and shows that I am knowledgeable? Do I have well documented disputes and supporting documentation? YES. I am the owner of a legally run XXXX XXXX XXXX so I know the laws and processes. I know how to write an effective dispute and complaint letter. I know the importance of keeping my documents. Again, there is no unauthorized third party. I have attached my driver license and social security card for identification purposes. Process the complaint ... 
I have disputed the account with XXXX XXXX probably four times due to inaccurate information being reported. The company continues to verify the information as accurate. My most recent disputes pointed out that the balance is inaccurate. The company continues to randomly change the balance. The balance is now reporting as {$810.00} with Experian and {$800.00} with XXXX, but that could change at any moment. The original charge off balance was {$680.00}, which I pointed out in my dispute letter. There is no added interest to this account. I have attached a document directly from the company sent to me on XX/XX/2021 that shows the balance as {$680.00}. Please look at the document. At the same time, the company continues to report a higher balance to the credit bureaus. This is not right and is against the Fair Credit Reporting Act. Experian can not allow companies to report inaccurate information after a consumer disputes the information and provides proof. This is my second documentation to Experian about the balance. The information has not been corrected and the account is still reporting inaccurately on my credit report. Experian claims that they did not receive my most recent dispute in XX/XX/2021, but this is not true. I sent a letter on XX/XX/2021 via USPS certified mail that was received at Experian on XX/XX/2021. See the attached Certified mail receipt. I am filing a separate complaint about this, but I wanted to include the mail receipt because I sent documentation with this dispute letter proving the balance for this account is reporting inaccurately.

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 2018-05-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2017 i got an Email from XXXX that my Account is blocked due a violation of Terms of Service. I don't know what I made wrong but i accept their decision of Account closure. 

My Account is blocked now since XX/XX/XXXX and since then i try to get in contact with the support to verify my Bank Account do withdraw the Rest of my -Funds from my Account that the Account closure can be finished. 

The Problem is, that the Coinbase Support Team only sends standard answers like " We will look with expert and try to solve the problem ... '' After the standard answers there come no advises or help from their side. 

I accept the decision of closing my Account and only want to withdraw my funds on my Account to follow up with the Account closing. 

When i login to Coinbase i only have Access to one Page where i can fill in a Bitcoin oder ETH adress to send coins to. ( Have no BTC or ETH on my Account ) Next Option is to choose bank Account to withdraw the funds, but i can choose no bank Account because i cashed in by Creditcard. 

Please help me to find a solution with Coinbase to get the Rest of my Money and that my Account can be closed afterwards. 


Since XX/XX/2017 i only get the same standard answers or no answers! 
They sometimes sent me some links with a how to deposit and so on. 
But when i try to open this links i always get referred to the site " Account is in closure progress '' and only have the chance to choose where to send my funds. 

My only problem is that i cant choose a verified bank Account, and i get no answer how to verify. I only need a way to get my money back, doesn't matter for me if with verification or another way. 

Hope u can help me to finish this Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I make my payments bi-monthly {$500.00} every two weeks and then I also try to pay an additional {$100.00} each month. Wells Fargo puts the money in an un-applied account and does not post the money correctly each month. This money should be going on the loan so it reduces my interest long term. 
Wells Fargo said the only way they can post the money correctly is to have them automatically take the money from my bank account bi monthly. This does not seem acceptable to me. What is the difference between me paying bi monthly and them taking the money? I don't want to give the bank access to my bank account, plus I don't feel I should have to do so. All I am asking is that Wells Fargo apply my payments properly. 
As of today XX/XX/XXXX I have {$1100.00} sitting in unapplied and my next payment isn't due until XX/XX/XXXX. Why isn't this money on my balance? 

Loan XXXX loan is under my Previous last name XXXX XXXX XXXX Thank you, XXXX XXXX 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 explanation
Consumer complaint received 2021-02-18
Company: Capital Accounts, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by a collecting agent by the name Capital Accounts on XX/XX/2021. Capital Accounts wants me to pay a debt of {$900.00} and the creditor is XXXX XXXX ( See attached copy of First Letter from Collecting Agent ). In response to my debt validation request, Capital Accounts sent me a medical bill put up by the physicians office ( See attached copy of Second Letter from Collecting Agent - WOB ). This medical bill is not a proof that I owe the debt and I have already disputed it with the physicians office before. Later, on XX/XX/2021, Capital Accounts sent me a letter telling me that they had sent a delinquent debt report to the three credit bureaus ( See attached copy of 4th Letter from Collecting Agent ). 
I have made it very clear to Capital Accounts that these medical charges are all wrong and I had already disputed them with the physician. Yet, Capital Accounts ignores all the facts and continues to conduct activities to damage my reputation by sending delinquent debt reports to the credit bureaus despite the fact that it did not or could not prove the debt it claims on me. This is a brutal attack on consumer rights. Please take all necessary actions to punish such outrageous behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I reached out to the attorneys office, XXXX and XXXX in XXXX representing creditor Regional Acceptance to follow up with them regarding a payment arrangement for a balance of {$15000.00} that I had from a voluntary repossession. When I spoke to the Legal Assistant, XXXX XXXX, she informed me that I now have a default judgment as of XXXX of XXXX which now made the balance {$25000.00} accumulating interest daily. I was totally unaware about a default judgment because I never received any correspondence regarding it because of course, I was trying to work something out with them before the new alleged court date ( original court date set for XX/XX/XXXX ). I had been in contact with this office since XX/XX/XXXX to set up a payment arrangement initially dealing with a legal assistant who no longer works there. When I filed a complaint around that time, they responded by saying they had reset my court date to give me more time to arrange a payment plan. The court date was never reset, and this was also confirmed by the XXXX XXXX XXXX XXXX. Regional acceptance sent me a letter stating that if an acceptable arrangement isnt worked out, the matter would be pursued in XXXX where I currently reside as of XXXX, and I hadnt heard anything else since. After speaking with XXXX, she informed me that my case would be handed off to another legal assistant, XXXX XXXX. Regional acceptance requested my last two check stubs and my monthly expenses which I provided on XX/XX/XXXX and offered 20 % of the balance, so Im not understanding what is taking so long to decide if they would accept my offer for a settlement. We literally just went through a pandemic, and people are trying to get back on their feet including me. I am trying to take care of this matter and get this mistake behind me, and I feel that they are stalling and I am getting the runaround. XXXX was supposed to check with her supervisor to find out what happened to the court date that was supposed to have been reset. The ball was dropped somewhere and this is not only affecting me, but the future of my XXXX  son, as I am a single mother. Ive followed up with XXXX a couple of times regarding this, and she stated that her supervisor hadnt looked into it yet and it had been 2 weeks that passed. I called today because another 2 weeks has passed and still nothing!

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 2022-08-13
Company: LEXISNEXIS
State: TN
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:
I recently applied for somewhere new to move and was declined. I was supplied with a copy of that report and noticed 2 different judgements/evictions from : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never been associated with neither of these apartment complex or these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Maximus Education, LLC dba Aidvantage
State: IL
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 received the attached letter from AidVantage. This letter was completely fabricated. I contacted XXXX XXXX and they did confirm that my loan was indeed an XXXX XXXX XXXX XXXX loan when they transferred it over to AidVantage. They will be mailing that documentation. AidVantage change it to 'Pay as you Earn ' without my permission. Also, AidVantage is refusing to release the phone call that happen in XXXX, XXXX which will show that I specifically told their Rep NOT to change my account for a {$6.00} difference, This would have caused my account to go from {$200.00} to {$190.00} a month. This would not have benefit me at all. Lastly, many accounts have been changed from a XXXX forgiveness to a XXXX forgiveness without the students knowledge. 

I was approved for the {$200.00} in XXXX, XXXX, the loan has been on hold since that point. My next recertification is not due until XXXX, XXXX. AidVantage are using deceptive and intimidating practices. They kept trying to get me to recertify over the phone when they knew I was not scheduled until XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Diversified Consultants, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Diversified Consultants called my employer before the open of business about a XXXX XXXX  bill that I have no knowledge of. It is not on my credit report and I do not know why they call me. The representative was very rude and I asked her do not call my job again or me because I have no knowledge of this.

Company response to consumer: Closed with non-monetary relief