BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Loans indicate a starting amount that is much higher than the disbursement plus capitalized interest. Some include disbursement fee and repayment fee

. There are 3 that still have my cosigner even after being in repayment almost 20 years. Repayment total {$20000.00}, interest paid total {$51000.00}. How is my interest paid 149 % the amount of loan paid? How is this not predatory lending? Of my original {$55000.00} I still owe {$34000.00}. After 17years I have only paid 37 % of my loan? My loan with the highest interest for the first 2 years I only paid down {$550.00} and paid {$2400.00} in interest. Of the original loan amount of {$15000.00} they added on {$520.00} ( 3 % ) repayment fee, {$900.00} ( 6 % ) disbursement fee, and {$1500.00} of capitalized interest. All of my loans also show an unpaid Principal balance value that is almost twice the amount of the loan plus fees. For example on the {$15000.00} loan with fees above ( {$520.00}, {$900.00}, {$1500.00} ) was total {$17000.00}. However the unpaid principal balance value was {$32000.00}. Was interest calculated on this higher incorrect amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: EQUIFAX, 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 wife and I sent a letter to the credit bureaus ; asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent them. THey have not yet responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I tried to transfer money from my XXXX account to my Wells Fargo account. For some reason the XXXX account did not link up with my bank account, Wells Fargo. So, I called the XXXX Customer Service line, which I found online. 

A man with a foreign accent, which I thought was a call center ( which made sense to me ), asked me for some information on my account. Then, he said he could help me transfer the money. I did as he asked. He said I needed to access my Wells Fargo account so that he could link up the XXXX account. He directed me to enter Server Codes into a XXXX transaction. He gave me the name and the code. At first, I was suspicious, but he said that I was not transferring money, I was merely helping him connect the two accounts, Wells Fargo with XXXX. 

The first attempt he informed me did not work. So we repeated the process several times. He spoke very fast and instructed me step by step to follow his instructions. But I suddenly became very suspicious. So, I asked him to wait a moment. 

Thats when I looked at the balance of my Wells Fargo account, just to check ( I was feeling something might be wrong ), and sure enough he had manipulated me to transfer him money NOT server codes. At that moment when I told him of my balance he hung up. I tried to call him back but the line would not pick up. I tried over and over again but nothing. I was panicking! I has just been manipulated to transfer {$2900.00} out of my account! 

I immediately called Wells Fargo to inform them what happened and they said they would look into it. They did say it did appear it was a case of fraud because I did not knowingly transfer money through XXXX but, rather, server codes. Wells Fargo assured me they would look into it and that they would very likely refund me my money. 

I also called the police department in my town. They sent an officer to my house and I filed a complaint. I have a copy of it, if you need it. 

Today I got a letter in the mail informing me that Wells Fargo will not refund me the money! 

Please, please help me. I am a XXXX and I am XXXX XXXX XXXX. This money that was stolen from me accounts for more than half my savings!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XXXX/XXXX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I mailed in a payment to capital one and I believe they withheld it to force me to pay late fees. 
as a result I now have a late payment reporting for the month of XXXX XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX XXXXXXXX XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my XXXXyear credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was XXXX  for when I had the first financial hardship. I do not get XXXX XXXXXXXX and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. 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 non-monetary relief
Consumer complaint received 2017-11-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: The Outsource Group, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX about credit reporting for XXXX of XXXX showing inaccurately. I requested an investigation XX/XX/XXXX. I was notified today there were late payments in XXXX that were inaccurately reported those would be removed. However XX/XX/XXXX would not. This loan should have been in forbearance at the time the late was reported. I requested documentation for the forbearance and was sent another borrowers information which was a violation of privacy. I did dispose of those documents due to them not being mine. I had a situation like this before and when I disputed it was removed from my credit because the info was inaccurate. This is causing a strain on my credit and should not be there. I have tried numerous times to get this info corrected with no resolution. 

Medicredit inaccurately is reporting a debt that was covered by insurance. I also have never signed a contract with this company and believe they violating HIPAA laws. 

XXXX is inaccurately reporting a debt I received a bill for {$530.00} XXXX disputed it with the credit bureaus and then got notification from the credit bureaus the debt was updated to {$2100.00}. I asked what is this about and they are staying the insurance company reverse a payment. I called the insurance company and they stated this is incorrect and they have no record of this. I have attached the initial bill that I have been fighting to have removed. The debt is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I was told by salesman and his supervisor that I would get full value on my trade-in and told them I was only interested in trading in my XXXX XXXX XXXX if they could pay off the full amount of my remaining loan of {$11000.00}. They said yes, and I proceeded to purchase my XXXX XXXX XXXX from them. However, upon inspecting my bill of sale it is clear they only valued my trade-in at {$10000.00} and rolled the remaining {$1900.00} into the new vehicle loan. This was not pointed out at the time of sale and I did n't notice it until reviewing all the paperwork months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had my account verified in XXXX when I signed up with Coinbase. I made a number of transactions without any issues, but was in the process of making transactions on XXXX XXXX when Coinbase required that I re-verify my personal information. My account had been completely frozen - no trades or money transfers - until the re-verification process was complete. Over a few weeks, I tried every combination of spelling my full name and every address I 've lived in the past 10 years, but the only response I got back from their verification service was 'Could Not Locate That ID '. I even tried to close my account, but could not transfer my cash out of Coinbase. I called 6 times and was put on hold for over an hour each time. I finally reached someone and explained the situation ; they asked me to send in additional proof of residence. I sent in the information but have not received any update on when my account will be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The creditor is listed as XXXX account number ( XXXX ) is account is listed as charged off as of XX/XX/2017 for $ XXXX.This account is due to fraud and as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.

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 2022-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A friend contacted me by XXXX and then by XXXX she said she needed some money to pay some stuff I believed her because we were really close at school she told me to sent the money by XXXX to this person and I did it just like she said, then she asked me for more and more again until I gave her all my savings she said she was gon na give it back but then the time passed and I had bills to pay I ended up giving her XXXX dollars and when I needed the money back I tried to call the number and no one ever replied then I contacted her sister who told me that my friends account was hacked and the person that asked me for money wasn't my friend. 
I talked to the bank but they weren't able to get my money 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 2018-01-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Used PayPal account linked to XXXX to sell an item ( XXXX ). PayPal sent me an email that the payment was received. I then shipped the purchase item and marked it as sent, along with tracking number and necessary info. After the item was sent, the payment was cancelled by the buyer and PayPal allowed the cancellation although the product was already sent and no refunds or returns was on the listing. Of course, the buyer did not return the product either as this was a plan for fraud. After filing a dispute with PayPal and calling several times, they refused to credit my account or reimburse me. They claimed it was my fault for not making sure I claimed the payment first although they were the ones who sent me an email that I had received payment. PayPal is known for doing this all the time and allowing buyers to commit fraud while leaving sellers at a loss with losing the product and not receiving payment. Furthermore, after selling another item which has been delivered several weeks ago, PayPal continues to retain the payment on hold, which should be available to me by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been repaying the student loan for about 4 years now after it was left to go delinquent by the other party on the loan. Navient has been steadily raising the interest rate on the loan, now over 12 %. I have made multiple requests to have the interest rate lowered and those requests have been denied. Such a high interest rate ensure 's that I will likely default on this loan and ruin my credit. I have attempted to renegotiate this loan with other companies such as XXXX but since it is not in my name I am not allowed to subsume the loan. The other party on the loan has such poor credit they would not be allowed transfer the loan to a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: CO
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 Called Experian XXXX on XX/XX/2021 and was on a XXXX minute call to have collection and closed accounts removed from my report. 

- According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Which was not done and XXXX is in violation That was not done. I the CONSUMER/ NATURAL PERSON was denied of the removals because the agent stated she would get in trouble. However, my consumer rights were violated and federal law Trumps state law or company policy EVERYTIME. she also stated that the federal laws didn't apply to Experian. This constitutes fraud and misleading information. 

- She then proceeded to open a over the phone dispute. 

-Pursuant to 15 USC 1681i ( a ) ( 1.a ) WHILE ACCOUNTS ARE UNDER INVESTIGATION the accounts are to be deleted. Which was not done therefore Experian is in Violation under this section. 

- I received my dispute results online on XX/XX/2021. NONE of these alleged collection accounts or other alleged information I demanded to be deleted was verified, nor deleted. 

- I did not give these companies nor Experian my XXXX written consent to report anything which is also in violation of 15 USC 1681b, 15 USC 1681 ( A ) ( 2 ) ( B ) and the FCRA. I am DEMANDING this alleged information to be Deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a phone call from one of my supervisor 's ( I am in a federal training program ) called me and informed me that someone was trying to get in touch with me and I only had 2 hours to return the call otherwise they were going to take further steps of action. Out of fear, I did return the call and it was a group called the XXXX XXXX XXXX out of California wanting me to make arrangements to pay off a debt that is not mine. Said they were representing Capital One Credit Card Company. I decided to pull up my credit report and also found where a credit card with the same company had been opened or {$300.00} 's and then paid off so apparently who ever is doing this has done it before. Supposedly the account was opened up in XXXX ( I think this is the date they told me it was opened. I was so upset I am not sure ) and paid on regularly until XXXX and then stopped paying on it. They threatened to freeze my bank account. I am on XXXX and can not afford to have my account frozen. They tried to get me to agree to pay off a {$310000.00} 's with a one time payment of {$900.00} payment and emailed me a contract pertaining to that. I have the phone number which they contact me on and there is a different phone number on this so-called agreement they sent me but no address. The first phone # is : XXXX. The phone number on the supposedly agreement is : XXXX Fax # : XXXX.
I kept trying to explain to this person that it was not my account. You can pull up my credit report and see that. Except the one I just found from Capital One which has apparently been paid off in full which I did dispute.
I contacted Capital One myself and I am waiting to hear from them within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 complained several times and they said the needed this 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 non-monetary relief
Consumer complaint received 2017-07-30
Company: EQUIFAX, INC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( AES ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

Company response to consumer: Closed with explanation