BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I usually pay Navient a monthly payment of {$650.00}. I have not had a check returned for insufficient funds or been late with a payment. 
My payment is due by the XX/XX/XXXX of every month. 
I mailed my XXXX payment of {$650.00} on or about XX/XX/2021. 
Upon checking my bank account around XX/XX/XXXX, I noticed a DOUBLE withdrawal of {$650.00} ( an admitted error by Navient ). 
I called the bank and placed a stop payment on that check # XXXX ONLY Arc # XXXX. 

I thought check # XXXX would clear as payment, but it never did. 
Therefore, my account was considered delinquent. 

Ok. On or about XX/XX/2021, I began receiving phone calls at XXXX requesting the XXXX payment. I said I would mail it the next day. The rep said she would " note it '' on my account. 
It ( a check for {$1300.00} XXXX was maled on XX/XX/2021, which would cover the XXXX " delinquent '' payment and the next due XXXX payment. 

The following week, I received at least two evening calls and a call on XX/XX/XXXX and XX/XX/XXXX from Navient again demanding payment! 
I explained again that I had already mailed the payment ... it was implied I had not! 

On Tuesday, XX/XX/XXXX, I received another call. Since I had received my check back, I went ahead and paid {$1300.00} from my debit card as a ONE TIME payment. The confirmation # is XXXX. 

Using a debit card is NOT a payment practice I choose to continue. I have always paid by check and wish to continue, and I should have every right to. 

On Saturday, XX/XX/XXXX, I received a letter from Navient dated XX/XX/XXXX telling me my account was INVALID that I must go to the bank and obtain a letter stating my account was not invalid. 
The account was and is not invalid. My check for {$1300.00} was also enclosed with the letter to me stamped VOID with no explanation as to why. 

The XX/XX/XXXX date PROVES my check had been received, prior to the harassing calls I received thereafter, but the payment had been rejected, and I was harassed instead of being informed. 

I went to the bank this morning, and was told the bank does NOT call or write letters as proof of account validity. My account IS VALID. 

When I returned home, I called Navient. I spoke to rep " XXXX '' and her supervisor, " XXXX '', who were both rude. 

PROBLEM : I was not given a reason for the declaration of INVALIDITY on my checking account. I deserve an explanation. XXXX refused to correct the situation. My checking account is NOT invalid!!!!! XXXX said the declaration by Navient IS the reason and I deserve no further explanation. 

The double charge was originally a Navient mistake. Now it seems I am being continually punished for protecting my interest and not wanting or needing to pay double in XXXX. 

The account is up-to-date. My account should be reinstated and my check accepted for future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I 've been asking XXXX for validation of this debt NOT VERIFICATION. Midland claimed to have the consumer agreement, I requested for validation but I never received it. Midland sent me an itemized bill and a bill offering a settlement. The FTC STATES IN SECTION 809 ITEMIZED BILLS ARE NOT A FORM OF VALIDATION. IM DISPUTING THE FOLLOWIG ACCOUNT WITH MIDLAND IN THE AMOUNT OF {$510.00}. I do n't not have a signed contract with Midland. I 've never done business with XXXX/XXXX XXXX Again I asked for validation inXX/XX/XXXX and I only received a bill in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I transferred XXXX from my bank account via SEPA to Coinbase on the XXXX XXXX XXXX 2018. After more than 1 week the money still has not been transferred to my coinbase account or refunded to my bank account. I contacted their customer service and they opened at ticket. My case number is : # XXXX I included the reference code, my identity has been verified and my bank account details are matching to the ones Coinbase has.

The customer support wrote me that if the information is matching, they " might '' be able to find it. This is an insolence because I have it in black and white that Coinbase received my money.

I have n't received any news or updates on the case since 4 days and Coinbase stopped replying to my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Navient Solutions, LLC.
State: OR
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:
Last year I had an income based forbearance in effect due to expire XX/XX/XXXX. When the Trump administration delayed payments for everyone, only the interest accrual was affected & Navient sent a letter explaining how the interest would work and that was it. 

Since XX/XX/XXXX I've been getting harassing phone calls and emails from Navient demanding I either pay {$430.00} by XX/XX/XXXX or I reply " YES '' to an automatic economic hardship forbearance that will accrue interest to be added to my principal balance after the forbearance period is over ... which, according to them, will be in one month. 

According to the announcements made by the Biden admin and on Navient 's own website, I'm required to do nothing. The interest is supposed to be set at {$0.00} and payments voluntary, yet I'm being harassed daily to either pay or circumvent the 0 % interest guaranteed by Biden until XX/XX/XXXX by applying for this specific forbearance. 

I'm afraid to contact Navient at this point because I simply don't trust them. They are also trying to get me to pay " late fees '' that were forgiven by Sallie Mae in years prior, that suddenly popped up in XXXX. I've repeatedly asked for help with getting XXXX forgiveness only to be given " income driven '' deferment/forbearance instead. All of my loans are Government issued. I've never applied for private or school-sponsored lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Previously filed matter with XXXX. 

XXXX sold faulty product to dealership and ultimately fell on consumer. 

Matter was shared with lender, yet they disregarded matter entirely. 

Arrangement that lender, consumer and dealership made was for working vehicle with limited warranty, yet vehicle was sold defective unknown to lender, consumer and dealership. 

Mater was brought before lender through XXXX vs XXXX XXXX XXXX. 

Extended Warranty was offered, however consumer elected to have vehicle repurchased through recall via XXXX vs XXXX and XXXX did not want to recall vehicle. 

XXXX negligence, as well as lender disregard placed undue burden on consumer. 

Consumer reached out to lender to make arrangements while XXXX recalled vehicle, yet they declined. XXXX further had no remedies for consumers effected, except to provide them an extended warranty on vehicle. 

Vehicle shows noted signs of defect while driving. 

Please see XXXX Warranty Act as XXXX sold faulty vehicle to dealerships and Missouri does not cover under lemon law used vehicles, consumer stuck with damage of credit, extra repairs and registration costs even though vehicle was supposed to be recalled ( XXXX offered to repurchase vehicle, provide cash payment or pay for damages ).

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 2021-02-17
Company: Optimum Outcomes, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Optimum Outcomes XXXX XXXX XXXX, XXXX, TX XXXX sent me a collection letter dated XX/XX/2021 and called me prior. On XX/XX/2021 I called Optimum Outcomes and spoke with XXXX. When I gave him my phone number and birthdate, he said it did not match and stated there is an error and it will be corrected and I can ignore. I also contacted the creditor and they said my account has no discrepancies. They have another member with the same name file and that may be the error. 
On XX/XX/2021 I mailed Optimum Outcomes a letter outlining the above and requested they provide me documentation regarding the debt, to cease contacting me and to ensure no negative information passed to the credit bureaus. 
Since then, I've been contacted by Optimum Outcomes on XX/XX/2021 and XX/XX/2021. 
I called Optimum Outcomes on XX/XX/2021 and spoke with XXXX and reviewed the above information. She again verified my personal data did not match what they had on file. 
I've mailed Optimum Outcomes another letter on XX/XX/2021 to dispute the collection and to cease contacting me. 
I called the creditor on XX/XX/2021 and she sent her Account XXXX an email to contact Optimum Outcomes to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Credit monitoring reported having an increase in student loan by {$1300.00}. Causing my credit score to drop. When contacted the company to find out why my loan balance was up by over {$1000.00}. No explanation given. I owed {$7000.00} and now owe over {$8000.00}. When checked the details of loan. No increase shown in my loans or higher percentage but yet my loan is more. Ive never missed a payment and have paid every month for over 9yrs. No reason why I would have extra amount on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Experian Information Solutions Inc.
State: IL
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/XXXXI attempted to open a XXXX XXXX  card and was told this was approved- I did not use this card much but when attempted to use it I was told this was actually not approved or opened and that I would need to reapply for a store card- so I went ahead and did again on XX/XX/XXXX- at which point I was told this card was denied, there was no hard credit inquiry that is conducted and that I was not going to have this appear on my report. I am beyond angry and frustrated- I spoke with a XXXX, as well as XXXX XXXX XXXX XXXX and XXXX each on different times stopping by XXXX XXXX or calling in and calling from their help desk to their credit card operators lines to find out why this happened and why my credit report is still reflecting inquiries when I was told this would not occur and was lied to. I am very frustrated as on XX/XX/XXXX, I was told this card went through and when I tried to use it it did not work, I was beyond embarrassed and felt very XXXX. I am very disheartened and upset that XXXX XXXX did not help me resolve this matter and am very frustrated that this has negatively impacted my credit score and also impacted my life. Please help.

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 2021-09-08
Company: WELLS FARGO & COMPANY
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 filed a complaint ( # XXXX ) with the CFPB regarding WELLS FARGO on XX/XX/XXXX. On XX/XX/XXXX the company responded to my complaint but did not include any of the documents asked for in the request for debt validation in the debt validation letter inside the files sent. Also there is still an unrebutted affidavit of truth stating all federal FDCPA laws broken by this company through the use of illegal debt collection practices. I also attached inside a schedule of fees to go along with those violation broken by the company. I will resend all those documents. The company also received all these documents certified mail, which means I should be receiving a return receipt which I have not received yet.

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 2020-09-13
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a phone call from a collection agency regarding a cell phone bill from XXXX XXXX XXXX XXXX. I have been disputing this bill for about 4-5 years now This isn't my bill and I have previously furnished a FTC Affidavit and police report and I am now sending the same information again. Please stop collecting on this this isn't my bill please close the account and remove from all 3 credit bureaus. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own a small plumbing business and have been struggling to make ends meet since the beginning of XXXX due to COVID. I was approved for a forbearance plan in XX/XX/XXXX by LoanCare, my mortgage servicer. In XXXX, XXXX I was forced to transition off of the forbearance plan and do not have the funds available to pay the back amount. LoanCare approved me for a Deferral Plan on XX/XX/XXXX but indicated i needed to pay a contractual payment of {$400.00}. I mailed the payment in XXXX and on XX/XX/XXXX I accepted the agreement via email. LoanCare cashed the payment and put it towards a regular monthly payment as a suspended " Unapplied balance '' then failed to update my mortgage payment terms and due date as outlined in the deferment agreement. I tried to make a payment under the deferment and they applied it incorrectly. It was applied to a past due amount that was supposed to be deferred. Since then they sent a letter that refer to my acceptance of a " repayment plan '' which would extend my mortgage term for 40 years! Then days later, I will receive another letter talking about about " missed payments '' or an ACT 91 packet. Most disturbing is the way they are trying to mislead me by removing any mention of Deferral Plan as an option for me even though that option should be available to me as a XXXX XXXXowned mortgage. 

I have called numerous times starting in XXXX for an update on the deferment agreement paperwork and when my account will be updated. Each time, I need to re-explain the situation, confirm again that I accepted the deferral plan and do not want the repayment plan. I am told they updated the system to reinstate the deferment update and the paperwork will be sent out. To date, LoanCare/XXXX has not updated my mortgage account with the deferment and I am extremely stressed and concerned I will lose my home. In addition to struggling to save my business, I suffered the devastating loss of both my parents last XXXX and XXXX so am trying to take care of their affairs on top of everything else. 

I have pleaded with this company to process the deferral agreement since i don't have the funds for a repayment and need it done immediately. Since my previous attempts to resolve the issue with LoanCare have failed, I have submitted the attached " Qualifed written request '' to LoanCare. I would appreciate your help to ensure they correct the errors made immediately and freeze any further foreclosure communications or proceedings until this is resolved.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - XXXX XX/XX/2020 - Transunion & XXXX XX/XX/2020 - Transunion & XXXX & XXXX XX/XX/2020 - XXXX   XX/XX/2020 - Transunion & XXXX XX/XX/2020 - XXXX   & XXXX XX/XX/2020 - Transunion XX/XX/2020 - Transunion XX/XX/2020 - 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 2019-02-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I initially complained about Synchrony Bank in early XX/XX/XXXX. See attachment letter XX/XX/XXXX. I've remained in good standing. Since the have reneged on the terms in the letter of XX/XX/XXXX and manipulated my account making it so I'd be subjecting to paying more than the XXXX month on some bogus fees from when I requested a waiver of a late fee whixh they granted as a result XXXX weekend receiving/processing issue obviously. 
So they been charging me fees as a result thi issue where asking for a payment of about XXXX higher than ever before. Also in retaliation they ran my credit WITHOUT MY PERMISSION and lowered my avail credit from bout XXXX to XXXX impacting my credit score cause now my balance is higher to a ratio. I am trying to pay the card off because I dont want to do business with a scandalous company and they also penalized me for this. I just want to be DONE WITH THEM HOW IS THIS KIND OF PRACTICE LEGAL! THEY SOUND XXXX OWED ARE THEY ILLEGAL ALIENS!!?? Please investigate, again. I'm on ss XXXX and tired this stressful XXXX!!!! 

I also have an issue when I called bout thie issue on XX/XX/XXXX XXXX the rep was arguing with me like wth PLEAS PULL THE RECORDING ESA WAS OUT OR ORDER!! THIS NEEDS BE ADDRESSED ARGUING WITH CONSUMERS LIKE THAT NOT LISTENING TO THEIR COMPLAINT KEPT CUTTING ME 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 monetary relief
Consumer complaint received 2018-01-16
Company: Seterus, Inc.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Several months ago we were approved for a loan modification we accepted the offer and made our 1st monthly payment. About a week later we were served with paperwork from the court saying they were4 trying to foreclose on our property. I replied to the notice with a written answer as well as submitted all the paperwork regarding the approval for the modification and documentation of our 1st payment. Went to court and the judge did not understand why we were there when were in the middle of a trial modification and meeting the requirements, he also did not understand why Seterus was " dual tracking '' our loan. The judge found that as long as we made the remaining 2 payments within the required time frame we would be set for a permanent modification. Well here I am on my 3rd and final month to make my last payment before finalization & I receive a letter in the mail on XXXX/XXXX/XXXX stating that as of XX/XX/XXXX our mortgage was being transferred to a new servicer ( less than 10 days notice!! ) Frantic I called Seterus and asked how this was going to effect the modification and after being placed on hold multiple times for over 15-20 minutes I was told that I would have to reapply for a loan modification with the new servicer, even though there are federal guidelines in place to protect consumers from having to reapply. I was told that the previous payments essentially meant nothing and even though they knew the current terms of the loan it did not matter. How is this legal my guess is that it is not they entered into a legal agreement and I kept the terms, they did not and now am in the middle of retaining legal counsel to try and save my home as well as pursue legal action against Seterus and their shady, unethical, shady business practices. I am also filing multiple state and federal complaints regarding their disregard for the regulations set in place to prevent " businesses '' like them from doing this to people and hopefully prevent them from doing business period. I will also pursue any and all legal avenues to make sure that EVERYONE knows what kind of company Seterus is while making them responsible for their actions, I will not go quietly, this is just wrong! It should not be this hard to save your home. I was so happy to be back on track and felt a sense of relief that my home was safe, to now be told that I have to start all over again is devastating to say the least. I also researched the new servicer XXXX XXXX XXXX have had/ or are currently in the middle of class action lawsuits, investigations, fraud investigations etc.This is our home, the only home my children have ever known, I have worked hard to get back on track, but to make us start the process over with a new shadier servicer and potentially risk foreclosure/dual tracking in the process is CORRUPT

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