BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient Loan number : XXXX My son has a loan with Navient formerly XXXX XXXX. He took this loan out back in XX/XX/XXXX for {$8000.00}. This loan has been the vain of our existence!!! After school, my son made arrangements to have monies taking from his checking account, agreeing on one specific amount. later he tells me they up the payments, which he could not afford. My mother co-signed for the loan so now the Navient is writing my mother for payment. 

Present day. 

I contacted Navient 's collection department and made payment arrangements. they are taking {$170.00} from my checking account monthly. My mother and I are receiving threating mail and emails from Navient saying the loan is in default. Today, XX/XX/XXXX, I called Navient and asked why are they still hounding us for payment when I've already made arrangements and am making payments to this loan. XXXX informed me that since my son did not call to make the arrangements and have the payment taken from his account the loan will stay in default. I told her that that was a bunch of crap - you're still taking my money for payment. she replied yes. the loan will stay in default for 5 months ( meaning the loan is 5 months over overdue ) even though you're making payments. XXXX also informed me that whoever set up the payment arrangements should have told me that and that my son should have read the TERMS OF AGREEMENT. I told XXXX my son could not afford to make the monthly payment, that is why I, his mother, is making the payment. XXXX quickly ended our phone conversation saying there was nothing else she could do!!! 

We have been making payment on the {$8000.00} loan since XX/XX/XXXX and none of the payments have been applied to the principal of the loan. I am so sick of Navient!!! Something has to be done with this company! they are ripping people off!!! How do I go about getting a lawyer! I need help here! 

XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX Please contact me to discuss. I have ran out of options of dealing with these people!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America has threatened to sue me for a HELOC loan. I have been making payments on the HELOC every month. The Attorney that the Bank used submitted incorrect financial amounts to XXXX County Magistrate Court.

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 2020-05-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
There has been a global COVID 19 pandemic directly affecting those of us who live in XXXX especially after the date of XX/XX/XXXX. 
I was directly affected and it was not until the beginning of XX/XX/XXXX that things have calmed down a bit. I had a {$25.00} reward which I had earned from my own spending with the XXXX XXXX Credit Card issued by Comenity Bank. It had an expriration date of XX/XX/XXXX. 
I tried to redeem the reward with a large purchase on XX/XX/XXXX. I explained that given the global pandemic and all the stressors that I had not notched the reward was close to expire and quite frankly, shopping had not been a priority during this time of quarantine in XXXX. The representative indicated that there was nothing they could to extend the reward. The supervisor indicated that this was an issue to take up with Comenity Bank who issues the rewards. 
Called Comenity/potterybarn on XX/XX/XXXX. Again I indicated that given the pandemic circumstances this reward had not been redeemed and I was asking for an extension to redeem it. The representative indicated she could not do this and neither would her supervisor. I was transferred to a supervisor, who placed me on a long hold and indicated that her supervisors or " 'higher ups '' had not yet given instruction on how rewards would be handled if expired during the COVID 19 pandemic. 

I find it insulting that Comenity has not moved on making sure our rewards ( money earned from our spending ) are not extended as a human courtesy during this time. They are essentially pocketing our money. I understand there are parts of this country that are far less affected however I am a NY customer at the epicenter of this pandemic and all customers regardless should be given that acknowledgment. Insurance companies and other banks have moved swiftly to extend courtesies to their clients. I am requesting that the CFPB please intercede to have Comenity do  the right thing for their customers during this critical time and extended our earned rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-02-27
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX Di-Tech reported to all 3 credit bureaus that I was over 30 days late on my mortgage payment in XX/XX/XXXX. I have emailed them twice with attached documents of proof as well as talked to customer service. I have also called all 3 credit bureaus. Di-Tech still has not corrected this. 
They have also taken payments and applied them to a " unapplied account ''. Instead of applying them to my mortgage payment as I directed. This happened XX/XX/XXXX. I wrote a separate check for late fees XXXX It was split up. Part put into a unapplied account and other towards the principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This is a complaint regaurding the website Coinbase. Recently ( around XX/XX/XXXX ), when logging into my coinbase account I received a notification that a debit card transaction from XX/XX/XXXX for {$500.00} was reversed and that I was required to make a payment of {$500.00} to unlock my coinbase account. I contacted my bank to see if there were any payment reversals from coinbase and there weren't any. I have bank statements that can prove this. The debit card I made the purchase with is no longer active as well, although I don't see how this could affect this situation. I contacted the coinbase support team and they said they created a support ticket and in the meantime I did nothing with my coinbase account. I had a balance of over {$1200.00} in my USD wallet on coinbase and a few days later Coinbase decided to take out {$500.00} from my USD wallet and forced me to double pay for a transaction I already paid for, leaving my balance in my wallet on the coinbase website with only around {$700.00}. I feel completely scammed by coinbase because there is no way a reversal could have happened because COINBASE ALREADY RECEIVED MY {$500.00} ON XX/XX/XXXX. So I was charged twice. Once on my debit card on XX/XX/XXXX, and I was charged again from my coinbase wallet over a month later. I would not have received the cryptocurrency coins I purchased if it didn't go through. I would like my {$500.00} back and can provide any necessary information to prove that there were no payment reversals by my bank. The support ticket I opened with the site is support ticket XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check into my account at the Bank of America at XXXX XXXX XXXX in XXXX Colorado. The check was for {$3200.00} and I was told at the time of deposit that that the funds would be available the next day. However the next morning I received an email from Bank of America stating that they were withholding funds until XX/XX/XXXX because there was suspicion that the item would be returned. I found out later that day that the email contained a lie. I came to this discovery because I called the gentleman who wrote me the check and ask him to put a stop payment on the check and write me another check. When this gentleman called XXXX Bank to put a stop payment on the check he was informed that he would not be able to put a stop payment on the check because it had already cleared the night before. I am in a awful situation because I'm under contract to start this gentleman 's job tomorrow morning on XX/XX/XXXX and I have no money to start it with and Bank of America holding my money and will not release it under any circumstances I spent the entire day on the phone with customer service reps at Bank of America. With no resolve I've also emailed mr. XXXX as well as some other lady named XXXX XXXX at Bank of America asking for their help I have yet to hear back from them please help thank you

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 2017-08-08
Company: Io, 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: Account status incorrect

Complaint:
I disputed an account on my Credit report through XXXX for company Receivables management Account Number XXXX. XXXX did their research and Receivable management DELETED ths account from my XXXX report see attached corrected credit report from XXXX. However Receivable management still is reporting on my XXXX and XXXX credit reports which is hindering my selling my home and getting a approved for a new mortgage. I have contacted the office directly and received correspondence from XXXX XXXX and XXXX XXXX advising they have been trying to contact me and the debt was VALID this is false they have NOT been trying to contact me and the debt was not valid it was disputed after I paid this bill at time of service. How can they delete from one credit report and now still report on the remaining two. I am very frustrated and hoping your company can assist me before I have to seek legal counsel. Also they are reporting different amounts on EACH of my remaining reports which also conflicts with the correspondence they mailed with me with amounts being owed.

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 2018-02-26
Company: Franklin Collection Service, 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: Account status incorrect

Complaint:
Creditor Information FRANKLIN COLLECTION XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Attn : Resolution Department Re : FRANKLIN COLLECTION Dear Collections and Consumer Relations Dept : I am writing to dispute the following information in my credit report and/or file. I have circled the items I dispute on the attached copy of the report I received. 
This is the second time I have been informed that there is negative information reported by you Franklin Collection and the original alleged creditor ( s ) XXXX XXXX XXXX, in the records of the credit bureau records for XXXX XXXX XXXX which maintains under my Social Security number. Upon ordering a copy of the report ( s ), I see an entry from Franklin Collection for an alleged amount of {$0.00} dollars. Secondly you state that I had a high balance of {$42.00} which is also inaccurate. 

Please validate this information with XXXX XXXX XXXX and your records, and provide me with copies of any documentation associated with this alleged amount you state I owe bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security number and removed from the all three ( 3 ) credit bureaus. 

I am formally requesting that you provide validation of this alleged debt and in the absence of any such alleged debt that you immediately remove any and all information that you have reported to the credit bureau. I am formally disputing and officially notifying you that I dispute any and all alleged debts stated in your notice. XXXX XXXX disputes your debt collection-related allegations and inaccurate reporting, denies the same, and demands strict proof and verification thereof. This dispute, denial, and demand are made in accordance with federal law. Pursuant to the XXXX Fair Debt Collection Practices Act and the Federal Fair DEBT Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) your claim is disputed, and validation is requested. 

I am finding it very difficult to apply for credit and gain access to credit because you have reported inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CBC Companies, Inc.
State: DE
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 XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been with American Express for over 20 years and someone changed the phone number and address for my card. American Express closed my account and has charged off this debt even though it isn't mine and they know the address and phone number were somehow changed. Now it is on my credit report. And they say I owe the money. No one there at American Express has done anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I intended to pay off my XXXX XXXX XXXX Chase credit card in XX/XX/XXXX and included more than was on my bill to capture any additional interest that may have been applied to the card. I then incorrectly assumed that the card had a zero or positive balance. When i opened the most recent bill from them at the time XXXX XX/XX/XXXX ) wondering if it had the annual fee on it I had a {$13.00} balance that had carried over from when i thought i had it paid off and the yearly fee of {$100.00}. 

I then made a {$200.00} payment and have carried a positive balance up through last week. 

I recently applied for a home loan mortgage and this had hit my credit report as a serious delinquency. I called Chase today to request a goodwill removal of the late fee but they would not discuss it with me stating that they have a strict policy. 

I have had this card with Chase since XXXX of XXXX and have always been in good standing typically carrying a balance of over {$2000.00} and making payments of {$50.00} greater than the minimum payment sent in auto pay from my bank account. 

I feel that it is unfair to even be unwilling to listen to my concerns or take my history with the company into consideration when requesting that a {$13.00} late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a conventional home mortgage with Wells Fargo in XX/XX/2020. 
On XX/XX/2020 they took {$570.00} payment for a future appraisal on my Wells Fargo Visa credit card. This appraisal never took place, and my loan application did not have an active purchase contract. 

After waiting four weeks for Wells Fargo Home Mortgage to decide what down payment they wanted - first it was 3 %, then 5 %, then it jumped to 20 %. Meanwhile, the home I wanted to purchase was still on the market and could have been sold.I finally decided to go with XXXX XXXX - which always only wanted 5 % and never gave me misleading information. 

On XX/XX/2020 I asked Wells Fargo Home Mortgage to close the loan application and that my credit card be refunded the {$570.00}. 

Wells Fargo to this day, XX/XX/2020 - almost 30 days later - has not closed this loan application and has not refunded my money. Despite multiple written requests and two Wells Fargo " executive level '' complaint escalations in their system. I was told they are too busy to refund my money - remember, this appraisal NEVER happened. 

This amount is taking credit available from my credit card and I am paying interest on it. This is a fraudulent charge/transaction. 

Furthermore, on XX/XX/2020 I received a new loan estimate and rate lock!

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 2022-03-30
Company: Professional Finance Company, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They too are contacting my grandmother constantly and Wont stop. She tells them I dont live there and they still wake this elder XXXX old woman up every morning. Its been almost XXXX. Can you please help me in stopping them and removing this from my report. Its getting crazy how many times a day they call

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2021 someone took at XXXX XXXX coins out of a crypto wallet held on Coinbase wallet. This transaction was unauthorized. Coinbase is unwilling to compensate for my losses that were out of my control. There response was that my recovery phrase was compromised and used to authorize the withdrawal. ( Never happened and it is physically impossible for anyone but Coinbase to know my recovery phase, hence theyre the ones that issue it. ) I want the money and or coins reimbursed. I have already reached to Colorado dept of finance services. I have also withdrawn everything affiliated Coinbase to a separate wallet for safekeeping.

Upon further reque st I can send attachments through encrypted email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: OH
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:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They still have not corrected the mistake.

Company response to consumer: Closed with explanation