BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: Midwest Fidelity Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They contacted me after the company I borrowed was paid more than 4 times the amount owed I was contacted by Mid West Fidelity Services stating that I still owe money when a loan in the amount of {$900.00} was paid more than {$2500.00} in payments. The company advised me not to worry about the paper work and that I could pay it off and it was just a formality and that I would not owe the amount and to sign I signed and paid more than 4 times the amount received I was later contacted by Mid West fidelity Services stating that I owed an additional {$1100.00} plus after paying more than {$2500.00} on a XXXX loan. The company is over charging the consumer in bogus fees and needs to be investigated for illegal lending practices XXXX XXXX is charging illegal lending practices and needs to be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: TN
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: Other problem getting your report or credit score

Complaint:
Hello I'm filling this complaint of behalf of Equifax, I have tried couple of times now for 8 years to get my file fix. I keep calling oca to get my file fixed spend hours on the phone and keep getting told that ticket has been open and it has been up please wait 7-10 then told 3-5 days my file gets fixed for maybe few months and then i'm not able to pull my report nor am I able to get a lendor to pull my report saying error not able to pull, I waste so much time on the phone trying to get this matter fixed i'm so tired of sitting on the phone and get nothing fixed and have to agrue with people to get things fix I might get someone that's willing to help me and they get it fixed for maybe 3 days and then my the same issue again I advised Equifax i'm going reach out to seek legal actions. I also pay for a product not able to pull and I can't do a dispute on my file. I will upload the photos to show this matter if possible on next screen. I was told also I have different file and it's hindering me from getting credit from lendors or my rights to credit. I should have to do this for 8 years since I was XXXX  years of age. I haven't able to access credit because of this matter. Please help me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Sunday morning XX/XX/XXXX Coin Base website  would not accept my 2FA. I followed the guidelines and submitted front and back of drivers license and a vitural shotnof me holding my license. They already have this on file. Sunday afternoon I hear nothing. I then learned Coinbase is the one with the problem on there end with their 2FA system not working. Finally Sunday night I finally emailed  customer service ( no phone number) and advised them they had $XXXXOf my money that they have locked me out of. She said she sent  she would sent it to a specialist. This is Thursday and I still cannot get into my account to retrieve my money. This should be a crime at what these people are doing. I have no idea if they even have my money or have I been robbed or scammed?  They have done nothing to help me. Please can you help me get my account unlocked and my money back?Warm regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has fully taken advantage of me charging additional {$10.00} dollars a month extra this whole time since the I had them for my loan provider. In my state of Missouri, Freedom Mortgage should not be charging consumers extra {$10.00} dollars more making mortgage payments. I spoke to them many times about this situation, and they mentioned we are not charging you these amounts, but unfortunately I call Freedom Mortgage on XX/XX/2020 she mentioned we are charging you {$10.00} more and showing in there system. Also I show them my insurance has been lower and my payments are still the same as last year. They are taking their time to make any changes of lowering my mortgage payment. They receive new escrow analysis last year and they still got me paying the same amount.

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 2018-04-09
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was flooded in XX/XX/2016. Flood insurance payments were made for repairs and were endorsed over to the mortgage company to disperse for repairs on the home. The mortgage company turned over management of funds to insurance claim check.com and they continue to delay and stall the process of repayment to me to repay Repair the home. To this date they have yet to disperse any funds to me other than what I have already paid for and will not release funds based on prior agreement of turning in receipts and contractors bids in a timely basis. They continue to change guidelines on release of funds to me which are much stricter than they would in the case of releasing funds to a general contractor there by placing unreasonable burden on me. Each time I attempt to resolve repayment of receipts or contracts I get a different story and continued delays. They also require additional inspections that they would not require with a general contractor. These guidelines or not laid out on their website process section and have not been made known to me until the process is again shut down. In addition they continue to slow walk disbursement of funds even though they have verified all checks were to be overnighted they use instead snail mail. It is my believe at this point that there is intentional slow walking of disbursement of funds to cause further duress on me and my family to repair damaged home. The most recent action of sending reimbursement check for paid receipts has again been mailed through the Postal Service rather than overnight even though I had clarified with two supervisors that all checks would be sent overnight due to the financial stress that their guidelines had placed on my family.

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 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Applied for a credit line increase, was denied due to not using the card enough. Wanted to do a balance transfer away from another credit provider due to agendas. 

Attempted to contact credit provider to override automated denial only to learn that there is no way to talk to a human to make the determination if a credit increase due to circumstances is warranted. 

There should be a way to talk to a person who can make decisions in this regard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
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:
XXXX XXXX reported an account that was opened in XX/XX/XXXX on my credit. The account is reaged and shouldnt be on my credit. I disputed this with Transunion 3 times and they keep insisting that the information is accurate. They investigated but no feedback was given back to me. I filed a complaint with CFBP and XXXX XXXX XXXX said he had until XX/XX/XXXX to remove it. This has not been done.

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 2020-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo bank allowed XXXX $ of UNAUTHORIZED CHARGES OUT OF MY ACCOUNT AND THEY REFUSE TO RETURN MY MONEY TO MY ACCOUNT! I CONTINUED TO SUPPLY DOCUMENTATION MULTIPLE TIMES AND ITS EXCUSE AFTER EXCUSE TRYING TO BLAME EVERYONE BUT THEMSELVES! IM SO TIRED OFBANKS THINKING THEY ARE EXEMPT FROM RULES AND REGULATIONS! WHEN ARE YOU GOING TO MAKE THESE COMPANIES ACCOUNTABLE FOR THEIR SHADEY ILLEGAL BEHAVIOR! I WANT MY MONEY BACK ASAP! XXXX XXXX XXXX XXXX DOLLARS IS ALOT OFMONEY! It has been over 6 MONTHS NOW AND THEY JUST KEEP PASSINGTHE ISSUE AROUND TO MULTIPLE ENDLESS PEOPLE AND OFFICES WITHIN WELLSFARGO BANK IN XXXX XXXX FLORIDA ON XXXX XXXX! please DO SOMETHING

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 2018-03-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a personal loan with XXXX XXXX that is reporting ( 2 ) 30 day lates, in XXXX and XXXX of 2017. They fixed this same reporting mistake on my XXXX report twice and now is showing up late on XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account statement shows an opened date of XX/XX/XXXX with a date of last payment showing XX/XX/XXXX. This account is too old to be on my credit report and it is reflecting that this account was re-aged to XX/XX/XXXX which is illegal.

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 2019-03-16
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was called from what I thought was my tax preparer stating my  refund is pending and they were waiting on a payment and to sent it through cash app. XX/XX/XXXX When I sent the {$850.00} to the recipient.i called my tax preparer to see if she received my payment and my tax preparer stating she never received the funds. Tried to refund the money by cash app from the person who received it and they wont return my funds, they have declined my request and I contacted my XXXX XXXX and they have declined my request on XX/XX/XXXX. Cash app stated they would retrieve my funds but I can not contact a live person to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
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:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months. XXXX and XXXX have deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

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 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have my auto loans with Nissan Finance and they are claiming that I not making payments on time, when that is not true. Every month I make the payment thru Nissan Finance website with one time payment. My complaint is if I have 10 days after my due date, why they are making my payments late when I scheduled my payments to be out on the XXXX of every months. Where is my money go. Can you please help me and try to trade my car for suv and this people are not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, Upon my annual renewal of my income based repayment plan, Navient denied my renewal saying I hadn't made three consecutive payments under the prior income based amount. In the past 12 months, I had made XXXX consecutive timely payments under the old plan amount and had 6 months forbearance. When forbearance ended, Navient kicked me out of my income based plan into a standard repayment plan. I called a representative, who admitted that was incorrect and placed me back into the income based plan. When logging in to pay my next amount due under the income based plan ( and I believe the new amount is being computed incorrectly, but that's not at issue right now ), I learned that they did not remove approximately {$59000.00} in capitalized interest that they added to principal when my loan entered into the standard repayment plan. I emailed Navient about this and received a response in XX/XX/2018 that the capitalized interest is unable to be removed and " there was a gap in your enrollement in the Income-Based Repayment Plan and this caused the accrued interest to capitalize ... '' I called to speak with a customer service representative today ( XX/XX/2018 ), and she insisted that the interest capitalized because I left the 6 months forbearance. I informed her that this is an excessive amount of interest for 6 months of forbearance and I've never had an issue like this coming out of other forbearance periods. She said it's in the terms that they are allowed to capitalize interest, and I agree that the interest that accrues over the time of the forebearance period may be capitalized. However, capitalizing the entire amount of interest that accrues over the life of the loan that is in the Income Based Repayment Plan is completely against the purpose of these repayment plans. Despite reiterating I have in writing that the interest was capitalized because of the gap in the Income Based Plan ( which was their fault ) and that $ XXXX in interest is excessive for 6 months of forbearance, she insisted that was in accordance with the forbearance terms. Now I have conflicting excuses from Navient on this capitalized interest, a higher payment amount, and even more interest accruing on this capitalized interest. If they can kick me out of my Income Based Plan and capitalize interest on a whim, I'm also worried they may restart my number of payments under the plan on a whim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On the day I received my Social security XXXX check I had a negative balance due to fraudulent charges with Comerica bank/direct express. I immediately filed disputes for over {$1200.00} dollars. After almost three weeks nothing is resolved and I have not even received a provisional credit which is my legal right to receive in 10 days from the date of dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name 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 2018-03-26
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing to complain about Navient and its illegal practice of misapplying payments without my expressed permission. On XX/XX/XXXX, I mailed in three separate payoff payments ( each payment was over {$5000.00} ) along with specific instructions for each payment. My instructions identified my account number, the specific loan numbers, and the specific loan amounts that I intended it to be applied to. In my letter, I also requested that Navient provide me with an explanation if it is unwilling or unable to follow my instructions. On XX/XX/XXXX, Navient applied two of the three payments correctly. However, Navient misapplied one of the payments. I received no notification from Navient of any kind about the misapplication/misuse of my payment. I found out only after logging into my Navient online account. I called Navient on XX/XX/XXXX and tried to get Navient to refund me that misapplied payment. At first, a Navient representative ( XXXX, XXXX ) said that she has processed my refund request ( after she had asked me to upload a bank statement showing that my check has cleared my bank ), and that my refund request should be approved within XXXX hours. Three full days go by. I called Navient again on XX/XX/XXXX and find out from " XXXX '' that my refund still hasn't been approved. I asked for an explanation. I received no explanation. The second representative said she would get it approved " the next morning. '' It wasn't. I called again on the evening of XX/XX/XXXX to check on the refund and spoke to a third Navient representative ( XXXX XXXX ). That representative said my payment has been redistributed, meaning re-misapplied. I asked who authorized the re-misapplication of my payment? He couldn't give me a clear answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Mortgage They have lost or failed to process our payments which were made in plenty of time resulting in late payment fees! We were sending payment postmarked weeks before payment is due on the XXXX. They do not seem to even have a 3 day window grace period given that we can not control the timing of the United States Postal Service. 

When I looked at reviews there were several of these types of complaints. 

We will be paying electronically from now on but this has happened twice. This is a XXXX home. We have never ever had any late or missing payments for our current mortgage with XXXX XXXX. 

I feel they are deliberately not processing payments based on the recent reviews and complaints and need to be investigated for this practice. Not sure how I can switch mortgage lenders without refinancing but will be looking into it. This can potentially hurt credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX the first I contacted franklin collection agency to settle my collection when I contacted them they stated that the account was pending to post to my credit report they also stated that if I settled the account for 70 percent of what i owed which was XXXX that said that they would not report the collect to the credit reporting agency

Company response to consumer: Closed with explanation