BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: AES/PHEAA
State: VA
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 served in the US Military ( XXXX ) on XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. This is considered qualifying service under the Public Service Loan Forgiveness ( PSLF ) program. During this time, I made 45 required monthly payments : the first student loan payment was made on XX/XX/XXXX and the 45th required monthly payment was made on XX/XX/XXXX. I certified my employment before leaving military service. XXXX XXXX, my student loan servicer, only credited me with 16 PSLF-qualifying payments. All of my payments were made during qualifying service under an IBR and were all on-time ( I enrolled in automatic debiting ). 

When I confronted XXXX XXXX about the huge discrepancy, the reply was that I made extra payments once or twice a year and that was causing them confusion. I asked that my account be audited on XX/XX/XXXX. As of XX/XX/XXXX my account still hadn't been reconciled. I then phoned XXXX XXXX and requested an expedited audit. It has now been 4 months since I requested the first audit. I am still waiting. 

Why is it taking XXXX XXXX 4 months to count 45 payments? As my student loan servicer, they have an obligation to ensure my loan records are correct and to take action to correct them when they are not. They have failed to do this. 

I am attaching my payment history file, downloaded from the XXXX XXXX  website. I added a column to the table counting the number of required minimum monthly payments I made during my qualifying service. The number is 45. One of XXXX XXXX XXXX  accountants could have easily done this 4 months ago. It took me all of 4 minutes. I am also attaching the letter from XXXX XXXX counting only 16 of these 45 payments. Finally, I'm attaching my XXXX to prove my dates of military service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: Absolute Collections Corp.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a letter from XXXX collection agency stating that I owe them money. I sent them a letter to only contact me via mail and not to call me or my employer. Since I confirmed delivery of the letter I received 1 call a day and my employer is also receiving 1 call per day. I would like this to stop and for them to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase.com is the exchange I used to buy the crypto-currency coin XRP. I stored my coins on coinbase.com and I used the coinbase vault feature to store my coins. I have been trying to withdraw my coins out of the vault, but they are stuck. 
The security feature has me approve my withdrawal through a primary email then secondary email. I click on approve withdrawal and I get sent back to coinbase and nothing happens. My coins don't get withdrawn. 
If I try to make another withdrawal then I get an error code that I have to complete my first withdrawal, even though the withdrawal cancels itself if I don't approve within 48 hours. 
So I am completely stuck and coinbase support isn't responding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have unauthorized Inquiries on 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 explanation
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
State: NC
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 paid XXXX XXXX a settlement on XX/XX/2017 of {$500.00} the have not reported this to all 3 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 non-monetary relief
Consumer complaint received 2020-11-16
Company: Aldridge Pite, LLP
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2020 I XXXX XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. XXXX XXXX  XXXX HAS NOT RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. To date, I XXXX XXXX have not received a response from XXXX XXXX from PREVIOUS federal complaint. XXXX XXXX XXXX  are still attempting to illegally foreclose on my home. As stated on XX/XX/2020, XXXX XXXX  XXXX purports to be the servicer of my home loan. They claim in writing that XXXX XXXX  owns my loan yet when I call to verify whom owns my loan ; XXXX then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX nor XXXX XXXX owns my loan. ( attached ) XXXX XXXX  XXXX then fires XXXX XXXX. as their foreclosure attorney and then hires Aldridge Pite LLP as of XX/XX/2020. XXXX does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. Aldridge Pite LLP will received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. Their actions ( XXXX XXXX  and Aldridge Pite LLP ) could violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. Aldridge Pite LLP are aware of the laws that govern Georgia Foreclosures. I would like Aldridge Pite LLP and XXXX to prove that XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan. This also puts me at a disadvantage as whenever my wife and I TRY RELIEF PROGRAMS WE ARE DENIED BECAUSE THE ADVOCATION AGENCIES CANT VERIFY WHOM OWNES MY LOAN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to file a complaint against Portfolio Recovery Associates they have been trying to collect a debt that is not mine I have asked him on several different occasions to please not call me or contact me and they have sent me letters they have sent me of text messages they even called my job looking for me and you know what this is all for a dad that I asked them to show me proof and I asked for them to validate it and they were unable to do so they sent me just one letter saying this is what I owe and that it was something that they bought from another creditor but they did not show me any original documentation I did not show me my signature they didnt show me anything that I requested and all I want is either proof that this is in fact my dad because I do not recognize it and I when I say proof I want original documentation I want to see that theyre probably not allowed to collect in my state license in my state and I want you know everything that theyre supposed to show my lawyer in the FCRA that they did not show and I want them to also stop calling and stop harassing me for this money that I dont know theyve been rude theyve told me I was a XXXX and I dont appreciate it. its been really really stressful and you know they keep Marking my credit and every single month and they have yet to show me proof that this is my dad and I think that they should be fine and I already contactI already contacted legal representation and they do this for a living and they told me that does based on all the the documents that I said I showed them and I fax them out Im on like the communications that theyve sent me a portfolio sent me that they said that this is this is all a slam dunk case so I really at this point next step for me is going to be to take a class action lawsuit or they could just delete this from my credit report and my file completely and never contact me again and thats it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The issue I am having is with XXXX XXXX XXXX XXXX XXXX. I owe a considerable amount in student loans and am facing a monthly payment that is not achievable for me at this time. I graduated with my second XXXX XXXX degree in XXXX 2016 and my payments for this company began in XX/XX/XXXX, little over a month after my graduation. My payments are ~ {$700.00} per month and my income is XXXX {$1000.00} per month. I have called multiple times to try to reduce my payments and have been told that I have already utilized all forbearance/deferment options and that there is absolutely no possible way to lower my payments. I explained that I would be more than happy to make regular payments, but just at a rate that does not include 70 % of my monthly income. I was told there was nothing I could do and that my account will default after 120 days past due and be sent to collections. My co-signer ( my father ) has come under difficult times : he was laid off and has since had many health issues, has undergone XXXX treatment, is currently applying for XXXX XXXX XXXX, and has no way of assisting me financially. I spoke to a manager at XXXX XXXX and explained the whole situation, and she even agreed with me that it would make far more sense to lower my payments than for my account to go to collections, where they would be unable to collect anything from either me or my cosigner ( because we do n't have anything of any monetary value to collect ), however she stated there was nothing she could do and told me to try to borrow it from someone else. I have no other options. I am doing my best to find full-time work that will pay for this. In the mean time, the past few months I have been paying the {$700.00} to keep it out of collections and not paying for other necessities ( e.g. other student loan payments, rent, food, etc. ). I am truly putting forth my very best effort to stay in good standing with this company and meet all of my financial obligations, however this is just not reasonable. I would very much appreciate any help/advice you can offer me to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have recently discoverd that i have multiple fraudulent accounts on my account that are holding my credit back

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 2021-10-07
Company: GOLDMAN SACHS BANK USA
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:
please remove these 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possibleave

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 2019-11-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had an unexpected electrical bill for a rental property in the amount of {$1700.00}. CitiBank offered a flex pay arrangement for that so I signed up for it. They only gave me {$1100.00} for the flex pay. Leaving {$600.00} outstanding. I have outstanding credit - FICO of XXXX. I always pay my balance off fully, have never been late. There is over 10k credit available on that card and {$35000.00} on a different card with them so it seems they have refused me credit without cause. I chatted with an agent who said it was a computer program that decides the amount flex will loan. I asked to speak to a supervisor and there was no chat available so only a phone number ( I am very hard of hearing and it is not easy for me to do business on the phone. ). I tried but the agent did not know how the credit decisions were made. I asked to speak to that supervisor and was disconnected. 

I also asked how the flex payment would affect my automatic payment for the full balance and did not get a good answer. Seems the staff are not trained on this flex product.

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: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a First Citizen 's Bank checking and savings account as a result of a {$300.00} bonus promotion being offered. The terms state to receive the Free Checking bonus of {$300.00} I would need to open an account, make 10 debit transactions within 90 days of account opening, and concurrently open any new savings account. Upon completion of these requirements the terms state that I would receive the {$300.00} bonus within 120 days. I fulfilled all of the requirements however I never received the {$300.00} bonus within the 120 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14
Company: Experian Information Solutions Inc.
State: NJ
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:
There is an inquiry I did not authorize..

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: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, my husband and I mailed letters to the credit bureau, asking them to investigate and correct errors that appear on our credit report. They are required, by law, to respond with the results of our investigations within 30 days. Today is XX/XX/XXXX, and we have yet to receive our response.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX, my husband and I mailed letters to the credit bureau, asking them to investigate and correct errors that appear on our credit report. They are required, by law, to respond with the results of our investigations within 30 days. Today is XX/XX/XXXX, and we have yet to receive our response.

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 2020-11-16
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My XX/XX/XXXXunemployment Reliacard was issued by U.S Bank. On XX/XX/2020 I tried to make a card to Bank transfer from Reliacard to My personal Checking account. However, the transfer was not approved and U.S Bank froze my account for no reason. I called the customer service at U.S Bank regarding the transfer. The customer service told me that My card was deactivated that they will issue a new card for me. So I waited for a week for my new card, however, the card never arrived. Then, I logged into my online account on XX/XX/2020 and I saw my unemployment money was missing from my account while I had no access to my card or money. There are {$3100.00} were used in XX/XX/XXXXBut I live in XX/XX/XXXX and have never been to another state and was in college. However, I received a letter from U.S Bank denied my fraud claim on XX/XX/2020. Please help me with my unemployment 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 explanation
Consumer complaint received 2021-01-29
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was attending XXXX for a few month then had to withdraw from the program. I went through a messy divorce and moved out of state. I have been stuck trying to get this loan discharged for years but no one will listen to me or review my case. I have sent in all required paperwork including an application for discharge to Navient but they denied it. The school did not report that I withdrew and so I was stuck with the whole loan. I didn't receive any of the money as it went directly to the school. The school should have returned the portion that was not used. I am not sure how else to proceed with this except to file a lawsuit against the school or Navient. I have sent in another application with a letter explaining the situation to Navient but I am almost certain I will have the same outcome. Again, I withdrew from the program and should not have to pay the entire student loan debt back as I didn't complete my degree. I am struggling to pay this back and have basically been getting a forbearance every year since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately 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 explanation
Consumer complaint received 2020-08-28
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IT HAS BEEN HELD IN XXXX XXXX XXXX THAT DEBT BUYERS COULD QUALIFY AS DEBT COLLECTORS. THEREFORE, LVNV IS IN VIOLATION OF THE FDCPA FOR FAILING TO XXXX ALLEDGED ACCOUNT ILLEGALLY REPORTING ON MY CREDIT FILES UNDER ACCOUNT # XXXX. 
LVNV RECEIVED MY VALIDATION REQUEST I SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED AND A DISPUTE TO CREDIT BUREAUS DISPUTING THIS ALLEDGED DEBT IN ITS ENTIRETY ALSO SENT CERTIFIED MAIL. 
LVNV IS IN VIOLATION OF THE FCRA AND FDCPA FOR NOT MARKING THIS ACCOUNT AS DISPUTED.I HAVE COPIES OF CREDIT REPORTS ALONG WITH DATES FROM CERTIFIED MAIL RECEIPTS AND CREDIT REPORT FILE # NUMBERS ON CREDIT REPORTS SHOWING BEFORE DISPUTE AND AFTER. 
I AM A LITIGIOUS CONSUMER AND WILL NOT ALLOW MY RIGHTS TO BE VIOLATED. I WANT THIS INACCURATE, INJURIOUS ACCOUNT REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.THIS ACCOUNT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation