BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-04
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended XXXX in XX/XX/XXXX and XX/XX/2015. I missed the first chemistry lab for my chemistry course and was dropped from that course, without any notice or mention whatsoever. Once I found out, I attempted to register for another chemistry lab at the student services office, where I was told it would cost an additional {$250.00}. I did not have this additional money available to me at the time, since a refund for the class they choose to drop me from had not yet been given, and I had yet to receive my student loan for that semester. This was on a Friday afternoon and since I could not get another {$250.00} to give them that weekend, they proceeded to drop me from ALL of my courses that semester, which totaled approximately {$3200.00}, which they then decided Id owe to them. Because they dropped me from all of my courses, I obviously could not get the student loan that I was waiting for and intended on paying for my courses with for that semester. I dont know if its worse that I couldnt ever go back to XXXX to pursue the second degree that I was pursuing or the fact that I couldnt pursue the degree I was pursuing and they claim I owe them for them taking me out of my classes. The whole situation is extremely unfair, and frankly, seems like a complete scam to make more money off of students who are simply trying to pursue higher education and dont have a lot of money to do so. If I had voluntarily dropped my courses, I would absolutely take responsibility for whatever monetary value Id owe, but they unfairly dropped me from all of my classes and keep claiming that I owe them. They would have easily made more profit off of me, if Id been able to continue my degree program. On top of all of that, the cost of the courses was just over {$3200.00}, yet this collection claim is now well over {$4300.00}. Correct me if I am wrong, but I dont even think it is legal to choose to add-on to a collection account. With all of that being said, and especially considering the fact that Ive made several attempts to dispute the legitimacy of this collection account, I want this completely vacated from my credit report immediately. Ive fought this long enough and the next step is to make it a legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Navient Solutions, LLC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was  drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score.  Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( Navient ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2019, Department Stores National Bank ( DSNB ) aka Macy 's Credit Card, closed my account without warning. I paid my account on time and was never late with DSNB. When they closed my account my Credit Utilization went up and my Credit history age went down, adversely impacting my credit and credit score. I contacted Macy 's AKA DNSB in late XXXX to ask them to re-open my account, since it was just closed 10 days earlier. They said that I had to re-apply for a card, which would also adversely affect my credit score, due to a new credit inquiry. After several calls with no resolution directly with DSNB, I filed a complaint with the XXXX XXXX XXXX. A lady named XXXX XXXX, from Macy 's executive office did care to resolve the issue. I advised her I needed a call back from a Senior Manager of DSNB to escalate my issue. She did not forward my request to a Senior Manager, and / or a Senior Manager from DSNB, failed to contact me about my escalated issue. I would like you to help me resolve my issue. I want it to be known publicly how DSNB aka Macy 's credit treats and punishes its loyal customers. 

Sincerely, 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 2023-02-06
Company: Nelnet, Inc.
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:
I took out my student loan for my graduate studies ( XXXX ). Please see attached document for the payments, amount applied to loan and amount applied to interest with dates. 

My parents helped be a large portion of my loan payments throughout the years as I did my Masters ( XXXX ) and Ph.D. ( XXXX ). The loan was transferred to First Mark Services on XX/XX/2021. 

The amount we have paid on interest is incredibly high compared to the price on my loan, which is very unfair given that I was a student for many years throughout that period, the pandemic, family illness, and recent death and economic hardship has effected this too. I was consistently given the advice to request forbearance/deferment as the only possible options, which I did because it was the best given my economic/personal situation. Even recently, the only option I had was to commit to a high monthly payment in the future. 

Recently, I requested First Mark Services to send over the document I have attached to this complaint and I calculate that I have paid more in interest on the actual loan. In fact, the amount I have paid in interest accumulates to a large portion of the original loan itself. Something that is very unfair, confusing, and should be an illegal practice especially on education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hi, My name is XXXX XXXX. The related company is coinbase. My issue is that I am unable to withdraw USD back into my bank account from my Coinbase wallet. The reason being is I do not have an SSN so I can not verify my account. However, the coinbase didn't require my SSN before I wired money into my account. I'm a XXXX XXXX in XXXX, XXXX and I don't have ssn, but I have verified my driver license. This is so serious because I just wired XXXX dollars into my usd wallet. The following are my case numbers : XXXX, XXXX. The case has been escalated and I was told that I will be approached by a specialist. However, it has been weeks and there has been zero response. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
For account ending in XXXX. Last for of the card is XXXX. XXXX  sent an incorrect statement to Capital One about my application being a fraud account when I did not report that. Capital One closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for XXXX  and XXXX to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called Capital One on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to XXXX  as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a text message around the end of XXXX stating they were trying to collect a debt I texted stop and no more texts came I received the documents on XX/XX/XXXX that stated the debts for collection. I called XX/XX/XXXX at XXXX XXXX and arranged payment. I told the company not to call or text but to contact me only in writing and provided an email and address for them to use. On XX/XX/XXXX at XXXX XXXX  I received another call from them telling me to call them. When I called the number back that they provided for call back XXXX they told me it was an automated call and they cant stop those. They said that they wont call themselves but cant stop automated calls. I know this is a violation of my rights!

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 2023-04-03
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX Experian manipulated my credit scorXXXX down XXXX points. For the next couple days I made multiple calls with no help or resolution from Experian. I then called freecreditreport.com to get a credit report sent as Experian was not help in identifying why my credit score change so drastically with no indication of any negative reported. XXXX and XXXX got my credit report to me via US Mail promptly. I still see nothing to change my credit report as Experian did. I have yet to hear back after over three months about getting my credit report from Experian in the mail. I then complained via CFPB XXXX and XXXX. I then sent a letter to Experian asking for my credit report once again XX/XX/XXXX. I have found no answer and no credit report. I have called at least two dozen times but Experian has not be willing to send a credit report or even say why they have not. On XX/XX/XXXX Experian again manipulated my credit score down by XXXX points. I complained again via CFPB XXXX on XX/XX/XXXX. I have called Experian three times in the past week. Twice the Experian representative said they transfer me to a mysterious department to get a credit report sent and then they hung up on me. The other time the Experian representative said they would elevate the issue but I have not heard anything back from Experian for over a week. I have went above and beyond requesting a credit report in every why Experian claims to request one. Experian is in violation of the Fair Credit Reporting Act when they have not provided a credit report or even attempted to provide feedback as to why they have refused to provide one after Experian and only Experian has decreased my credit score. Even the people at FICO have said they have nothing negative on their reporting.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i had bankruptcy on my account however they have been removed. I have disputed with the companies and it was removed from my XXXX report however it has not been removed from transunion or XXXX. also the dates do not match up. I would like this removed from both these companies. 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 non-monetary relief
Consumer complaint received 2019-03-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house was in foreclosure with OCWEN FILE # XXXX After many months of negotiating we were unable to come up with a solution to save my home. The bank was not helpful ; at all. They proceeded to foreclosure. I was assured in writing by Ocwen that i would not be responsible for any deficiencies and I would not receive a XXXX, I did not agree for the bank to cancel the debt. However, they forwarded me a XXXX for {$83000.00}. The bank essentially fraudulently caused me to foreclose. I want the XXXX rescinded and i am seeking reimbursement for the inconvenience this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The town of XXXX MA has sent {$760.00} to XXXX XXXX XXXX   on XX/XX/13. The money has not been put back into my escrow account. I have contacted the Bank a number of times and no one seems to know where it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Couch Conville & Blitt LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection agency, who claims to be a law firm, Couch Conville & Blitt LLC, sent me an initial letter dated XX/XX/XXXX, allowing me 30 days to dispute the validity of the debt. 

HOWEVER, the actual postmark on the envelope and the mailing date was much later, on XX/XX/XXXX, thus shortening the amount of time I had to dispute the debt by NINE DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
i did submit a complaint to the CFPB abut a reporting issue, and bank responded '' Due to this error, all late charges assessed to the borrowers account have been waived and a correction was submitted to the credit repositories to reflect all payments have been " paid as agreed. '' We ask the borrower allow approximately 30 days for the update to be reflected on his credit report. '' and today, more then 50 days it still was not updated

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 2020-05-21
Company: Williams & Fudge, Inc
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 received a letter from collection agency regarding past due federal student loan. I immediately called the collector, Williams & Fudge. I was advised to consolidate my {$16000.00} loan along with a {$5200.00} penalty and collection fees. I was not offered any other options. 

Upon speaking with family, I found that there should be other options offered. 

I agreed to a Rehabilitation program offered for federal student loans. The collection agency promised to send me the agreement offered by the school. Instead of giving me the offer outlined by the university, the collection agency sent me a vague contract. This contract only included a monthly payment I was to pay of {$600.00} for 9 months. Nothing else. No terms as to what this payment goes towards or where my loan balance and payments are once the 9 successful payments are made. 

Two months of back and forth, they finally sent me a contract that includes terms. BUT, the terms are not what was agreed to. Still not complete, but they have managed to add over {$12000.00} in penalties to my original {$16000.00} 5 % loan. 

Upon more research I discovered that a collection agency can not cross state lines. They have made contact and continue to contact me at my parents home in XXXX XXXX. I am permanently located in XXXX XXXX   and have been even prior to their involvement. I have informed the agency that they are using the incorrect address and they don't care. 

In summary, 1 - They first deceived me into thinking that the only option was to consolidate and add an addition {$5200.00} to the loan and start over with payments. 

2 - Once they were informed of the rehabilitation offer, they still would not put the terms and condition into a contract. They continued to charge the {$5200.00} penalty even though that should have been reduced to only being on the past due amount and not the full balance. 

3 - I involved the Federal Student Loan Ombudsman office to try getting term included. They then sent me a new agreement outlining some, not all of the terms. The terms are not what we previously agreed to or what the university told us. 

4 - Finally, they are reaching across state lines as they are in XXXX XXXX and I am in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Balance : {$37000.00} & XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I informed this company they had the wrong person and since then that have continued to report to multiple bureaus. I even sent multi reports through fax as provided proof

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are fraudulent accounts being reported. I submitted to the bureau a police report, theft affidavit, and identification documents. They have yet to remove all of the fraudulent accounts per FCRA 605b Block.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than They are still reporting XXXX XXXX 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 2020-11-21
Company: Experian Information Solutions Inc.
State: FL
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/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the XXXX  Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 30 days and i feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 30 days. I demand these accounts be removed immediately or I will file for litigation.

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 2020-07-06
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Every time we dispute with the collection agency and they remove the collection that has already been paid, they sell it to another collection agency that then adds it as a new collection on our credit report, damaging our credit. The bill was originally owed to XXXX more than 8 years ago, and we paid this debt off the end of XXXX. It is now showing up again as a new debt on XX/XX/XXXX with ERC. This is now affecting our ability to buy a home and receive a good interest rate. It is currently only reporting under XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation