BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: Navient Solutions, LLC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Coinbase, Inc.
State: NJ
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 am locked out of my account with XXXX usd out of access and no matter what I can not get coinbase to respond with anything that actually resolves this. 
I lost, and have now replaced, a 2 factor authentication device ( my old phone ). I previously complained to the CFPB about this. Coinbase replied in a way that indicated that they had not even read any aspect of the complaint at all. They have taken zero real steps towards resolving the issue. 

The response they sent to me after the CFPB forwarded my initial complaint was an auto-message identical to the first one they sent to me. This indicates that no one had even read my emails to them. 

I really need a solution to this now as my assets are depreciating and they are denying me access to my funds and are misrepresenting the situation to both BBB and CFPB by saying that I will be contacted by an agent. I have received absolutely zero assistance from coinbase other than additional auto-messages ( many of which are repeats ) which do not resolve my issue. A human agent is needed to solve it. 

I have created a new account as instructed several months ago before they stopped replying the first time. Now the site claims my id is invalid. This was not the case when I used the same id to send them money. It must have become invalid now that I want to withdraw it seems. 

I feel at this point they are sending me in circles and have read none of my messages. No genuine attempt whatsoever has been made to restore my account access despite months of trying. Any time they reply, it 's an auto message, and then there is no further contact. Even after the CFPB asked for a reply, I was only sent an identical auto message which clearly indicated that no one had read my messages. This can been seen in my attached ( fourth attempt ) to get a real reply from them. 

Furthermore, many many other people seem to be in similar situations with this company as complaints are becoming highly visible online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: LendKey Technologies, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
See below the email I sent Lend Key who is now servicing my loan from  XXXX , which was a loan I took to study at  XXXX    XXXX   in  XXXX , Massachusetts.  <P/> " Hello, I am writing this email as I am now aware that Lend Key is the new servciver of my  XXXX  loan.  <P/> I have made on-time consecutive payments with  XXXX  since  XXXX .  <P/> Unfortunately, with the transfer of the loan to Lend Key, my   XX/XX/XXXX   payment of {$170.00} was not made therefore putting my account in a delinquent status.  <P/> I have made the full payment of {$170.00} as of   XX/XX/XXXX  , and have set my account up for automatic electronic withdrawals.  <P/> I would like for you to PLEASE consider removing the delinquent status from my account as it is severely affecting my credit history.  <P/> I understand that you made  three  attempts via email since  XXXX , and multiple phone calls, but unfortunately I did not receive the emails and perceived the phone calls to be " scam '' or " telemarketing '' phone calls.  <P/> Like I said, I have since made payment to rectify the problem and am sincerely hoping that you will look at this case as an exception to the " rule '' in place, as I do not feel at fault for this delinquent status.  <P/> I have made things on my end correct, and am begging you to do so as well.  <P/>  Student Loan Debt  is a serious problem and can cause serious trauma in a person 's life, so please consider this case seriously to remove the delinquent status from my account.  <P/> Thank you for your time and consideration. "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Ex Husband and I purchased our home together in XXXX with a private investor at the time. We are both on the deed and the Mortgage note. 
We took out a conventional Mortgage with XXXX XXXX  XXXX  in XXXX, both listed on the Mortgage but only my husband listed on the NOTE. 
I filed for XXXX in XXXX with it all becoming finalized in XXXX. We then had to either sell the home or one of us assume the mortgage. 
My ex husband refused to let me remortgage the property, so we listed the home for sale. The market was down and there were too many repairs to be done to the home, so there ended up being no extra equity in the home and no offers on the home at the time. 
My ex husband moved out of the home in XXXX. 
I stayed in the home with our son and XXXX animals. 
At this point the mortgage had been sold to XXXX XXXX. 
I went into XXXX XXXX branch and let them know the situation and tried to make payments on the mortgage loan so we would not fall behind. XXXX XXXX refused to let me make payments on multiple attempts stating " I am not an authorized user on the account '. Although, I was on the original mortgage loan documents. This went on up until I received the certified " notice of XXXX '' /Foreclosure '' documents. ( My ex husband was un-servable and received a " default '' ) I submitted " request for payoff '' to opposing counsel in the dockets prior to foreclosure hearing without response. 
At the hearing, I presented the timeline of events to the XXXX. She did not listen and granted the foreclosure. 
Please help ... .I have been trying to make payments and trying to pay off the loan to save my home. My ex-husband is no where to be found and they are going to auction off my house. At the time I requested payoff we owed {$180000.00}. Now the final Judgement on Foreclosure is listing the XXXX XXXX to be {>= $1,000,000}. They have cost me and are stealing {$51000.00} from the current equity in my home. 
All Documents attached : Mortgage Loan Documents and Payment History Final judgement on Foreclosure Formal Request to Fay Servicing for Loan Payoff with Denial Response ( same response since XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Nelnet, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I originally had student loans throught Department of Education, Nelnet ... in XX/XX/XXXX of 2013 I consolidated all of my federal loans through XXXX. However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
A timeshare loan account with XXXX ( XXXX ) XXXX, opened XXXX/XXXX/XXXX, was not reported as " Adverse '' by TransUnon in XXXX XXXX. As a matter of fact, it was reported as " Current ; paid as agreed. '' Without notice, this account began reporting as adverse in XXXX XXXX. A dispute was opened shortly there after with no change in the negative 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 2017-07-13
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated a transaction of $ XXXX/- from my XXXX XXXX XXXX Account to XXXX bank account on XX/XX/XXXX and was promised money will be deposited on XX/XX/XXXX But I did not see money until now, when I called Western Union about this, several time ( 6-8 times ) I always got different answer and no one tried to help me with my money I do not know where is my money and how will I get it from western union They do not call or send email on its status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had, what was told to me by physician, a surgical procedure to correct problem O was experiencing from previous XXXX  with the same physician in the Spring of XXXX. I saw physician in follow up appointments but was never advised of any outstanding debt not paid by insurance company until call received XX/XX/XXXX from collection agency ( Capitol Accounts ) advising on a XXXX debt owed to XXXX XXXX XXXX XXXX Phone calls to XXXX XXXX 's office for explanation were unanswered and appointment was scheduled by his staff to come into office to resolve with physician. Again, I was also having gastro issues and wanted to be seen by physician. I drove the 3 1/2 hour drive, one way, sat in an exam room for well over an hour and was then asked to move to am office where I thought I'd have a consultation with XXXX XXXX. About 1/2 hour later, I was advised that XXXX XXXX was not coming into the office to see nor discuss my case. Please see attached documentation showing dates and attempted correspondence with XXXX XXXX. I believe what happened ( I work in healthcare billing ) was either staff never called to obtain authorization for the procedure, did not bill correctly or never billed it in time thus timely filing occurred with the carrier. This account has been added to my credit file thus causing issues with my trying to find housing as well as astronomical interest rates. He has clearly passed timely filing with the insurance carrier and is now expecting me to pay privately for a medical procedure that he advised I needed to correct the issue. Please note... I originally had weight loss XXXX  with him in XX/XX/XXXX. I had the utmost respect for him and his profession until he refused to come in the exam room to exam me and discuss " the debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Today, XXXX XXXX, 2017, I received a Netspend prepaid, direct deposit XXXX that I did not request. I never visited their website, never spoke with then on the phone and never sent postal mail, yet, I received a card in my name today.

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 2017-07-12
Company: ALLY FINANCIAL INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ally financial was a debt that was disputed through XXXX XXXX received notification that the debt was removed I call the credit bureaus and they stated the debt was updated and remains on the report and has a collection agency now calling harassing me of a debt I do not have a contract with this collection agency

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 2019-10-08
Company: EQUIFAX, 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've tried on several occasions to get an account listed in dispute to have the dispute removed. Equifax REFUSES to remove the dispute language on the account and is causing me a great deal of difficulty in completing a home loan. I have tried for past several months to get the account removed but they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

XXXX Consumer Relations Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming

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 2021-09-03
Company: CITIBANK, N.A.
State: CA
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:
My credit has been pulled fraudulently. Please remove inquiry

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 2019-10-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
the complainant file a dispute with its bank ( wells fargo ) several weeks ago concerning an overcharge and/or a fraudulent charge by XXXX / XXXX car rental. on or about XX/XX/2019 XXXX / XXXX or/and wells fargo charged my account causing my account to go negative and in addition, they took nearly {$600.00} dollars from my account. The remaining {$600.00} was money allocated for school books and etcc, as the complainant is enrolled in XXXX XXXX college. Due to wells fargo action I will not be able to purchase the required books for my class which may result in me failing my class. I will be filing a civil lawsuit against well fargo for this action.

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 2019-10-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Says that I need to update Wells Fargo security account. I do not have a Wells Fargo account.

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 2019-10-24
Company: Experian Information Solutions Inc.
State: SC
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:
SECOND REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery calls me about 10 times A-day from different numbers. Every time I tell them the item has been deleted and they still blow my phone up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: MO
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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