BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-01
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted Navient in XX/XX/XXXX to inquire about the payment history on my student loans. The initial private loans and federal student loans began repayment in XXXX and were set on a 15 year gradual step repayment plan. The initial servicer was XXXX XXXX XXXX XXXX XXXX. The loans were then consolidated in XXXX to include graduate student loans. The service provider was switched to XXXX XXXX, and subsequently Navient acquired the loans around XXXX. From XXXX I made several lump sum overpayments. Navient did not allow me to direct these overpayments to the loan of choice, rather they applied them evenly across the two private loans and two federal loans. 
Trying to understand the complete loan payment history, and reason why the amount owed in XX/XX/XXXX was more than the original amounts borrowed ( despite overpayments ), I requested via phone, a complete history of payments made on the loans. I was told by the customer service representative that this was not possible since Navient did not service my loans prior to XXXX. I asked for an accounting of the amount that was acquired by Navient in XXXX and a complete accounting from that date. I was told by the customer service rep that I would receive the accounting via mail within 2 weeks. Subsequently, the accounting was never received via mail or electronic mail. 
I was also told by the customer service represenative that when Navient acquired my loans they were in a " repayment plan of forbearance ''. I explained to the customer service rep that " forbearance '' is a loan status and not a " repayment plan ''. I was trying to understand why the repayment plan I had selected with my prior provider ( 15 years graduated repayment ), did not carry with the loan acquisition by Navient. This information has still not been provided. Rather I was told repeatedly by the customer service representative that the " repayment plan was forbearance ''. 
I have since re-finance my loan with a private servicer since Navient could never provide a clear accounting or transparency into how my payments were applied. 
Successful resolution of this issue would be a complete accounting of how all payments were applied by Navient. In addition, I would like information on the balances as bought and sold from XXXX to Navient. I have checked the federal student loan database for this information, but there does not appear to be any record of payments applied, only amounts bought and sold between corporations in the submarket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my account implying fraud activities, I spent more than a month trying to resolve the issue before theuly closed the account. I waited more than 20 days for the check with the remaining balance to arrive by mail and decided to call them for clarification. The representative told me they would provide a stop payment on that current check which I was told was sent on the XXXX of XXXX, and that they would send a new one. This was around the XXXX or XXXX of XXXX last week. Idecixed to call them up for clarification on this substitute check sent and like it has always been from the start, they made it really difficult to provide ANY information on the issue. All they provided was that the issue is under investigation and that they could not provide any further information. In other words, they completely ignored the fact that snother substitute check was sent ( or not ). I feel completely HELPLESS and that they are playing me and most likely other custumers as fools. I have over XXXX XXXX dolars from my hard work pay and have not seen a XXXX of it ever since. Considering how dificult it has been for people to overcome this current pandemic situation, this has affected me to a higher level.

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 2019-04-01
Company: Experian Information Solutions Inc.
State: LA
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 not used my credit since I purchase my home, due to the new mortgage payment. I decided to try a refinance of my home loan and found all of these accounts on my credit report and they aren't my accounts. I also had to list additional accounts on my comment section of the identity theft report, beacue it wouldn't allow me to upload, the additional accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report. 

All inquiries names listed below in EXHIBIT B are fraudulent. These inquiries were pull without my knowledge, nor my permission. According to section 605B of the Fair Credit Reporting Act, those fraudulent inquiries names listed in EXHIBIT B are due to identity theft and shall be remove from my credit report

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 2019-04-01
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Regions limited my account because I paid myself from my business account and sent a bill payment to my other 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 non-monetary relief
Consumer complaint received 2019-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
On XX/XX/2019 I applied for a pre-approvel loan with XXXX XXXX, which ran my credit for the pre-approval. I was later sent an email that I would have 14 days to shop around with other vendors to get quotes without it affecting my score. On XX/XX/XXXX I applied for a pre-approval with USAA  mortgage lender and my credit was checked also leaving a hard inquiry on my credit within the 2 week period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to a XXXX for consult on XXXX procedure on my XXXX. She proceeded to take a sharpie and make marks on my XXXX explaining very little about the procedure but emphasizing the cost and forms of payment. I paid for the consult and left her office then asked my primary physician for a different referral. Shortly after the visit I received a call ( from a rude office rep ) regarding my initial visit and wanting to schedule the procedure. I informed them I had already been in touch with a different Doctor and wouldn't require their services. She then responded " good luck with that '' and hung up the phone. Another reason I did not want to use this office. Three to four years after the fact a collection showed up on my credit report. I contacted them and once again received rude treatment and was told it was out of their hands because it had been turned over to collections. I have protested this through the credit reporting agencies and asked for proof of agreeing on any other charges other than the initial office visit, nothing produced. I would like this negative/false information removed from my credit report. I've worked very hard to maintain a positive credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a new acct with Synchrony Bank a Lowes Store card and was approved for the card. A few days after being approved and setting up my online acct in order to pay the bills, I called into Synchrony bank in order to ask a simple question about the promo interest rate on my Lowes card I was told my card was locked and cant be used because a packet was sent out to me and I needed to handle that first. 

After waiting 2 weeks I finally received the packet and it was a request to fill out a form giving my permission to a 3rd party to contact the social security Dept top verify my Social Security number.

I called into to speak with someone at Synchrony Bank and was told if I don't fill out the form and give permission to this 3rd party my acct would be closed within 30 days.

This seems nuts to me I have plenty of credit cards and this has never happened before and I don't feel comfortable giving permission to a 3rd party to obtain my private SS info and don't trust them with my Social Security number.

I chose to do business with Synchrony Bank not this random 3rd party.

I told them I have no issue sending them a copy of my ss card or taking into one of their banks or stores to verify.

Can you help me please!!

I want to keep this acct open, BUT with all the recent data breaches going on I don't feel comfortable giving their 3rd party permission to obtain my SS info

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 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Asked TransUnion and XXXX to research a collection on my credit report from XXXX XXXX. This investigation was closed on XX/XX/2019 stating that the amount was still owed when infact it was paid in full on XX/XX/2019. I asked for it to be removed from my credit report and nothing has been done to remove it and to update my file. This collection is hurting my credit score and I would greatly appreciate it being taken off.

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 2019-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep getting calls from a company XXXX, saying they represent Capital One from a debt from XXXX15 and said court orders were going to be sent for garnishment. I dont not owe this debt and I see that they may be a SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: RELIABLE FINANCIAL SERVICES, INC.
State: PR
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:
Car was a voluntary surrender in the year XX/XX/XXXX because lack of employment and bank has agreed to receive and place a ) balance on my account. 

As noted in the credit report the car was kept by the bank and as noted in the credit report as of XX/XX/XXXX account was in good standing and suddenly placed in my credit report with a balance due of {$5900.00} Balance was XXXX as per agreement in XX/XX/XXXX. Bank refuses to give the documents when the car was received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: American Credit Acceptance, LLC
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
they didn't provide me with my original signature, And two this letter clearly says pay XXXX balance in full

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 2019-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I ( XXXX XXXX ) had given XXXX XXXX a check for {$14000.00} ( in her name ) for her services rendered - in the same manner and capacity that we have always paid her for the past 15 years. This check was given to her in XX/XX/2018. XXXX XXXX then gave the check to her business partner owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then did a mobile deposit of that particular check in her Bank of America Account . See attached Bank of America statement ( doc5 ) showing, credit given for the amount ( on XX/XX/2018 for {$14000.00} ) and also see attached cashed/cancelled check - the money left my account on XX/XX/2018. Then, on XX/XX/2018, Bank of America reversed the credit for the funds, called it 'debit adjustment ' and claimed to have sent a letter to the original sending bank - my XXXX XXXX XXXX XXXX Checking Account. All three parties involved have contacted Bank of America on several occasions and every time we do we are told that the bank is still doing an investigation. I understand their may have been an issue with the check being in personal name and being mobile deposited into a business account, but if there is any issue or investigation, Bank of America should have sent the money back to senders original account. Bank of America received the money from my bank in XX/XX/2018 and today 6 months later is claiming to still be investigating the issue and has been holding this money and did not give it to their account holder or back to my bank as the sender. They give us no other answers except that they are working on it. yet they have been holding our money for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: ProCollect, Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. 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 explanation
Consumer complaint received 2017-12-04
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We set up our account on coinbase at exactly XXXX/XXXX/XXXX we went through the steps to verify our account including giving detailed banking information, articles of incorporation, passport, and sealed official documents from the state of Utah to verify our identity. 

On XXXX/XXXX/XXXX we received an email stating that coinbase ca n't verify our identity with no further explanation or steps on how to resolve the issue. 

On XXXX/XXXX/XXXX without any response or warning our account was locked out with no explanation. We sent this company an email asking why this was done and have had no response. 

On XXXX/XXXX/XXXX We sent another email asking why support is n't answering any of our emails and received the same canned response of it will take a few days to receive a response. 

As of XXXX/XXXX/XXXX Coinbase is holding over {$4000.00} XXXX of our money in their account and refusing to give it to us. They have not unlocked the account and are still not responding to any forms of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed my original complaint on XX/XX/XXXX, file number : XXXX. Since then, they have placed my case on internal review and will not speak to me about it. They continue to garnish my wages but offer no communication. When I ask how long I can expect this to be in the review, they said for a " justified amount of time. '' So basically, it will be on hold indefinitely, continuing to accrue interest, stacking the balanced owed and garnishing my wages. I will never get out of this debt I don't feel I owe. It's from 12 years ago and was improperly served, never notified of my ability to dispute the charges or defend myself in court against judgments that were filed without my knowledge. All this time later, I'm being garnished without any ability to defend myself. 

Copy of original complaint - still under review at MCM. 

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. I've never heard of or from Midland Credit Management or XXXX XXXX XXXX. 
The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. I was able to contact XXXX XXXX XXXX for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX XXXX XXXX to Midland Funding LLC on XX/XX/XXXX. Then from Midland Funding to Midland Credit Management and then to XXXX XXXX XXXX. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/19 we opened our account at Santander bank at the branch located at XXXX XXXX XXXX, XXXX PA XXXX. XXXX XXXX opened the bank. We had a promotion that if we opened the account with {$25.00} and had {$2000.00} Direct Deposits in 90 days we would get {$400.00}. Today XX/XX/19 I called Santander Customer serivice to verify that I met the requirements and I would be getting my {$400.00}. I spoke to 4 customer services representatives and the code was not in the system where is should be. I believe it was deliberate retaliation by XXXX and XXXX because we did open any additional as they accused us just trying to take advantage of the promo. No customer should be subject to this kind of harassment and abuse the account should have been coded correctly. XXXX the customer service manager in XXXX XXXX thinks all is well for customers to spend an hour and half to ensure that things are done correctly. XXXX refused give me her supervisors name and XXXX is refusing to entertain my questions because she thinks it is acceptable that customers need to spend a hour and 22 minutes to get a resolutions and that is how some customers are treated. Please advised the bank did not even give a plastic case for my check registered. She has made no offer to compensate me for the poor customer service and thinks I should be happy that I am getting the promotion. She is also refusing to provide proof that the account was opened correctly or explanation why 4 customer people could not confirm the promo was applied.

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 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am very upset over the credit report. This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account resulted due to identity theft. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this account from my credit report immediately! 
ONLY TRANSUNION HAS REPORTED THIS NEGATIVE ACCOUNT ON MY CREDIT HISTORY.

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