BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: Experian Information Solutions 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:
I am disputing the collection account XXXX and account number XXXX which they show as being opened XXXX/XXXX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXXin the FCRA Compliance Date. Please delete this account immediately. 

This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.

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 2018-06-03
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I only attended XXXX XXXX for two semesters. They were somehow able to obtain acess to every single federal loan and grant i was capable of recieving. Ultimately cashing them all in for roughly {$25000.00} in just six weeks. Deposited it into their school account. i saw none of it. Then after leaving i was current on my payments until i had six different accounts. And every year my refund check is taken but nobody has the common decency to say why or send me a reciept for which outstanding account it went toward? You think im some kind of fool? My father didnt raise me to be a pushover and get hustled. We earn what we get. We dont just collect or inhereit a secret hedge fund from grandpa XXXX from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I sent letters to Franklin Collection asking for validation for some alleged debts that were reporting in my credit file. I had no knowledge of their company nor had received any services from their company. As of this complaint, I have yet to receive validation of any of the alleged debt, yet Franklin Collection has continued to report derogatory comments on my credit file all the while ignoring my request for validation. On XX/XX/2019 I sent my second request for validation certified since my first request was ignored. Franklin Collection has constantly posted derogatory comments on my credit file since my validation letters was sent which is a clear violation of the Act which states that collection agencies must stop all forms of debt collection and reporting if a consumer request validation. I have enclosed a copy of the original letter and also the screenshots to prove that they have violated the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA RECOVERY SERV Reports that I owe XXXX to their company due to a unpaid payday loan from 2016. In XXXX, I asked AD ASTRA RECOVERY SERV to validate the debt and provided my mailing address. In the paper work attached it just show loan amounts there is no signature nor ID attached to the document proving that this is my debt. AD ASTRA RECOVERY SERV is still asking my to pay this debt and its on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am disputing the collection account XXXX and account number XXXX which they show as being opened XX/XX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXX in the FCRA Compliance Date. Please delete this account immediately.
This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: IL
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:
Equifax had a large scale security breach and they informed me that I was infected. They provided one year of credit monitoring and identity theft protection as recourse but this is something that is going to possibly affect me for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, INC.
State: VA
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:
It's not my inquiries, i never applied for this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It's not my inquiries, i never applied for this companies.

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 2020-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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 disputed an account with XXXX  and the collector on XX/XX/2019 but they keep verifying it. Portfolio Recovery Associates LLC attempts to collect {$16000.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I booked a cruise with XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I paid with my debit card from Wells Fargo. Account number : XXXX. 
Because of COVID-19, my wife and I decided to cancel our cruise and XXXX  refunded our money back in XX/XX/2020 to my account. 
This account was blocked because I had not used it for a while considering that I was not able to visit the USA since XX/XX/2020 due to COVID-19 pandemic. I am a XXXX person living in XXXX and I was not able to use the account because I could not cross the XXXXUSA border XXXX 
Once the border reopened, I went to Wells Fargo to reactivate my account, but the bank said it was not possible since it had to cancel all the bank accounts that belonged to people living outside the USA. 
The bank gave me the money I had in my bank account but there was not the refund from XXXX. Also, I asked for my bank account statements and the bank did not give them to me. 
Since the reopening of the border, I have gone several times to Wells Fargo in XXXX, CA and once in XXXX XXXX, CA for any information regarding the refund from XXXX. Wells Fargo claims that it does not have the money, but XXXX shared with me the XXXX number and, still, Wells Fargo does not give me my money and it does not provide any proof that it does not have my money. 
Please, I need help to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Windham Professionals, 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:
I received a call from XXXX at Windham Professionals and he would not take my number out if his system. For over 4 minutes he kept telling me that I needed to tell him who I am although he called me and I told him I am not the person he was looking for. He was not answering my question on who he is and what company he was with. He kept demanding I tell him who I am. 
I have a video of 2:50 of the over 4 minutes of call. It wouldnt allow me to upload but will make it available if needed.

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 2022-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
On XX/XX/2021. I open a checking and Savings with Citizens Bank. I had {$220.00} in my account before the bank suddenly took {$170.00} from my account XX/XX/2021. Whichever left my account unable to cover my purchases so now my account is overdraft by {$82.00}. I called them, they said it was for a charged off account. I don't know how many years ago. But why allow me to open a new account, if I supposedly owe?? On an account that was closed down and charged off. I wasn't aware of this transaction by any means, my was just taking from account caused insufficient funds for other transactions I had. I believe Citizens bank stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to my relocation from XXXX XXXX  to XXXX XXXX  XXXX in XXXX ( which saw a roughly 20 % increase in our cost of living ) and taking a pay cut ( as part of a longterm career strategy ), my wife and I are financially struggling. I am a XXXX XXXX XXXX  and she is a XXXX  in the XXXX, so our incomes are based upon time-in, seniority, and rank, not performance or anything else. 

Although we have been making payments, we are robbing from our cashflow to make the payments : we are paying the credit card debt and having to spend it, again, to stay afloat. I attempted to negotiate with Wells Fargo ( regarding my credit card ) to lower my interest rate and mandatory minimum payments ( currently $ XXXX XXXX for a period of six to twelve months, so we can get our financial situation in order. They refused, unless I closed the card first : not only would they not promise that closing the card would result in the outcome I wanted, it is also an action that would have negative consequences ( for both credit score and reputationally ). Because of my occupation, I can not have a closed credit account upon which I am also making payments. 

Wells Fargo is obstructing my financial wellbeing, even as I attempt to negotiate in good faith. 

I have missed no payments, etc. and yet they remain steadfastly unwilling to work with me, even when it was escalated to their executive-level customer service. 

This is unacceptable.

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 2017-12-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Hello, The Coinbase application was used to purchase digital currency. The order was executed and my credit card was charged but in my digital wallet and the reflection of the account within the app does not show the digital currency available. I reached out to Coinbase and did not receive a response with regards to my inquiry. At that time I felt the need to get help from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Ad Astra Recovery Services Inc
State: OR
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:
On or about XX/XX/2019, the consumer disputed an alleged debt with Ad Astra for an alleged payday loan made around early 2019 of the same year at XXXX store number XXXX in XXXX Oregon. The consumer has no knowledge of this debt, is not admitting to any debts and has no current or previous business relationships with this entity or the collections agency representing XXXX. Ad Astra failed to mail a debt verification letter and instead sent the same collections statement. The consumer is demanding the original promissory note or a copy thereof including the full loan terms, conditions and all associated statements and administrative remarks on the account. The consumer is unable to verify the debt and therefore is claiming that this is an invalid and illegitimate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Since my initial contact with Prosperity Bank dba XXXX XXXX  & Mrs. XXXX XXXX in XX/XX/2019, I had let it be known that I would be using any and all proceeds from the sale of my previous home to put down on the purchase of my new home, making the loan needed as small as possible and making my monthly mortgage payment lower. I was sent a loan estimate on XX/XX/XXXX showing that my loan would be for {$140000.00} and {$82000.00} would be my cash to close, including closing costs with a closing date of XX/XX/XXXX. See attachment # 1, XXXX. 

On XX/XX/XXXX, three days before my closing date, I was informed by Mrs. XXXX that my loan was being changed to an amount of {$170000.00}. My cash to close had been lowered to {$51000.00}. See attachment # 2, XXXX. I asked her why this was happening. She responded with the question " Have you made any plans for your future? '' or something to that effect. She then began to sell me on investing services and financial planning through XXXX XXXX XXXX. An email from Mrs. XXXX referencing this is attached as XXXX. She wanted me to take the money I had previously stated that was to go toward the purchase of my home and use it on some investments I had never inquired about or even desired. I also think it is obvious that she did this to get a bigger commission for this transaction by making me agree to a bigger loan. XXXX  XXXX will also make more when they sell the bigger loan to another financier. 

At this point I had three previous home purchases fall thru for various reasons starting back in XX/XX/2019. I had already made plans to vacate my temporary residence and had called my moving service to deliver my belongings at my new address and requested time off from work when the unwanted change in the loan was presented to me. I was anxious to get into a home of my own and use my belongings that had been in storage for the better part of a year. I believe she timed this change to take advantage of the situation and coerce me to agree to a loan I otherwise wouldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TD BANK US HOLDING COMPANY
State: GA
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:
XX/XX/XXXX Called Target and spoke to representative for an hour on the phone disputing late payments reported on my account. He admitted their system had a glitch and he would reverse my late payments fees and he said he would update the correct info with all credit bureaus. He also updated my new address. He told me everything should be updated on my credit report by XX/XX/XXXX. The reference number for our call was # XXXX The inaccurate late payment dates were reported XX/XX/XXXX XX/XX/XXXX The late fee payments were credited back to my account but the late payment history still shows on my credit report. They refuse to remove inaccuracies on my account. 

Ive called Target XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they refuse to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed into thinking Bank of America called to inform me of fraud. The person said there was a fraudulent transfer of money to a XXXX XXXX account and asked to verify information. They asked to confirm my email address and said the funds would be reversed, however, I then received emails confirming a XXXX transfer from my BOA account to this other XXXX XXXX account in the amount of {$3500.00}. I also received an email with the location of the ATM that they were using to take the money out as it stated they were over their daily limit. I also received two other emails that stated I transferred {$1000.00} and {$2500.00} successfully. I immediately reported the fraud to Bank of America, who filed a claim. XXXX XXXX was also notified and I spoke to numerous agents who confirmed my email on the fraudulent XXXX XXXX account, along with a pending {$3500.00}, but stated they could not do anything until they received the fraud claim from BOA. I will be filing a police report and include all emails received from the fraudulent XXXX XXXX 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 monetary relief
Consumer complaint received 2017-09-12
Company: ID Analytics, Inc.
State: NY
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:
Applied for vehicle loan. Received denial letter from XXXX XXXX citing, specifically, SageStream LLC. SageStream 's score was significantly lower than other scores. While this may be true, I attempted to obtain my free report from SageStream. Website provides 2 options for obtaining report : " If you would like to obtain your consumer file, you may ( 1 ) call us at ( XXXX ) XXXX, or ( 2 ) submit a signed, written request by secured fax at ( XXXX ) XXXX or by mail to : SageStream , LLC Consumer Office,  XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. '' I contacted the phone number. The automated voice message directs a caller to go to the website to obtain a consumer report. I have made no further attempts, as the information is conflicting and deceptive. 

While I have serious questions about SageStream 's credit score practices, I can not get to that point without easily obtaining my consumer report.

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 2017-09-12
Company: Navient Solutions, LLC.
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Navient, I see some discrepancies with the interest during my repayment plan. sometimes i lot more of interest and i dont see my balance to really going down. its like im stuck paying the same range of the quantity. right now i ask for forbereance because im having money issues and i cant make the payments. i ask for a offer to lower the total balance and was denied. APPLY ANY ASSISTANCE DUE TO NAVIENT PUBLIC SUE -- ** " The U.S. Consumer Financial Protection Bureau is suing Navient XXXX., the nations largest student loan servicer, accusing it of systematically and illegally failing borrowers at every stage of repayment, my balance is {$2500.00} Original Principal {$2600.00} Total Amount to be Repaid {$2800.00} Some number dont add up .... its weird and i dont understand this process. 
i ve been paying for years ... ... ... ... ... ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: SC
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:
Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate 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 2020-02-11
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Huntington Bank holds the loan on my auto. Unfortunately when you sign up to pay online the system does not allow you to see the history of your payments and when I attempt to make a payment early it denies me that right. It seems the only way around this is to open a Huntington Bank account which is absurd. I should not have to open additional unwanted bank accounts to access my information so that I can properly handle my loan as I see fit.

Company response to consumer: Closed with explanation