BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: ARVEST BANK GROUP, INC.
State: ME
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I received a call today from Central Mortgage Company today telling me they had not received my XXXX or XXXX payment. this is the 3rd call in the past week. I told them my new mortgage loan was with guaranteed rate and the mortgage payment to them was cashed by my credit union on XX/XX/XXXX. They said my loan was reassigned and i needed to get the money back from guaranteed rate and pay central mortgage or i would be subject to late fees and adverse credit consequences. When a loan is reassigned are n't they obligated to forward the payment? Is this follow up my obligation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Experian Information Solutions Inc.
State: CO
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 have on three separate occasions asked XXXX, XXXX  and Experian verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.

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 2016-05-19
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
XXXX XXXX of XXXX, Nelnet would n't let me reduce my payments until I received help from XXXX, despite showing them my monthly income and showing them how much my rent and utilities cost. I was making about $ XXXX/month, living in subsidized housing, and Nelnet wanted me to pay roughly {$800.00} a month and their representative failed to see why I could n't afford the payments. A few months later I received an inheritance from an aunt who stipulated that the money be used solely for education expenses, so I started paying off the loan with that. On XXXX XXXX, I made what I thought would be the final payment on my loan, a payment of {$2400.00}, when the total balnce that was listed as due was {$2300.00}. The next day I received an email saying I still owed {$320.00} from the previous balance. This morning, XXXX XXXX, I received an email saying I still owed from the previous month and {$410.00} for the current monthly billing cycle, totaling {$730.00}. Upon logging into my account on the Nelnet website, I found out Nelnet claimed I still owed {$0.00}, which I have once again, scheduled to have paid in full by the end of the week, even though I paid an excess of what they said was the full balance as of XXXX XXXX, XXXX. I am getting tired of their harassing emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: American Financial Credit Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On    XX/XX/XXXX   , I sen t American Financial Services  a letter and requested that they provide me a validation of debt, on this unknown account as per instructions from  XXXX  's dispute results letter dated   XXXX   XXXX    2017 I asked for proof that I am indeed the party they are asking to pa y this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.     I received a letter from  American Financial  dated   XX/XX/XXXX .  Their version of verifying this debt was a  one page  sheet as you can see, with the words *Validation of Debt Notice*. A client account number and a total balance. Telling me to contact the hospital directly.     If you received a notice like this in the mail, with just an amount due, would you pay it or would you question it? I 'm questioning it.     IF this account was mine, I most likely had insurance at the time and the insurance wouldve covered the charges. This account most likely also would be obsolete.     They way that I  see it, American Financial can  not furnish the requested information to me because if they do n't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Continental Finance Company, LLC
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Over a year ago, I had misplaced a credit card ( issued by Continental Finance ). I knew it was in my house somewhere and had not been stolen, but I could not find it. I called Continental Finance to replace the card, explaining there was no fraud, I just needed a new card. They said they would send one in the mail. It never came. I made no less that 5 calls to Continental Finance with the same request. Each time, I was told my card would be sent to me. I never received the card. Each time I called, I was told that there was some kind of security alert on my card, that was causing them to not send my card. I eventually gave up and paid off my card in order to close it. Once I paid the card off, I called to close the account. They apologzed for the previous problems, and told me they closed the account. This happened in the beginning of XXXX. XXXX XXXX I was billed for the {$18.00} account maintenence fee. I called to complain. They never could give me a straight answer, as to why my account was not closed. They have said they have closed my account again and refunded my charge, but I can not take them at their word, because each time I have called, they have claimed to resolve my issues, and have failed to do so each time.

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 2017-05-17
Company: NAVY FEDERAL CREDIT UNION
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
NAVY FED ERAL- steering.   I am a   XXXX   XXXX   XXXX   with  XXXX   XXXX . My client who our firm has been working with to find their new home, is a veteran. We have toured various properties and have assi sted   XXXX   XXXX   XXXX    in finding this home. He is ready to submit an offer on the property that we are the procuring cause of placement.   My client calle d NAVY FEDERAL to obtain a loan. Navy Federal procee ded to tell my clients if they stop using our firm, they could refer my clients to a  XXXX   XXXX  agent  ( Navy fede rals referral company ). TO HAVE   XXXX   XXXX   WRITE THE CONTRACT ON THE HOME WE FOUND THEM!!!   It was so bad tha t Navy Federal three wa y called the agent to set an appt with them to WRITE THE CONTRACT ON THE HOME!!!!! THIS IS DOWN RIGHT UNETHICAL! and I am hoping you will investigate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I switch carriers and could have sworn I paid it off. No letter, phone call nothing let me known this was taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously learned of this debt after obtaining my credit report. I have had medical assistance for the last 10 years or so. I also have never visited  XXXX   XXXX  which is listed as the orginal creditor regarding this debt. I sent this company a letter asking them to provide me with the documenation they have that makes them believe this debt belongs to me. Th e 1st letter was ignored so I was advised to sent a 2nd letter certified ( please see attachment ) that letter un fortunately was ignored as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Patrick K Willis Company Inc
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A company has been calling me, my extended family ( to include in-la ws ), and E VEN MY NEIGHBOR in reference to an " open investigation ''. They are acting like they are the police. Impersonating the police is a serious crime. I will be filing a police report. The name they gave my neighbor was " Investigator  XXXX   XXXX  ''. These scare tactics not only break local and state laws, they also violate my privacy. I do not have the FDCPA memorized, but the tactics used by this company who never identifies itself absolutely has to be in violation of the FDCPA.   After some internet research, the information for the company is as follows : AMERICAN RECOVERY SERVICE  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   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 2017-05-17
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
ON   XXXX   XXXX   XXXX    , I OPENED AN ACCOUNT WITH  NAVY FCU   WHILE I WAS IN   XXXX   XXXX   XXXX   (  XXXX  ) AT VIRGINIA.     I RECEIVED THE CARD AND USED THE CARD AND PROBABLY CHARGED NO MORE THAN {$300.00}. EVERY  TWO WE EKS I GOT PAID AND I SUBMITTED PAYMENTS ONLINE AND EVENTUALLY PAID THIS BALANCE.     WHILE AT  XXXX , MY DAD RECEIVED A LETTER ADDRESSED TO ME. THE LETTER EXPLAINED THAT I WAS NEAR MY CREDIT LIMIT. I WAS CONFUSED BECAUSE I HAD NOT MADE ANY CHARGES. WHEN I CALLE D NAVY FEDERAL I WAS  TOLD I WAS LIABLE FOR THE CHARGES BECAUSE I COULD NOT PROVE THAT THE CHARGES WERE FRAUDULENT.     THE BALANCE REFLECTS CASH WITHDRAWALS, FOREIGN TRANSACTIONS, NONE OF WHICH I MADE.     CURRENTLY THE BALANCE IS {$7000.00}. THE AMOUNT WAS HIGHER AS I RECENTLY MADE A PAYMENT. AFTER TALKING TO A LEGAL ASSISTANCE ATTORNEY AND MY LEADERSHIP, I STOPPED MAKING PAYMENTS BECAUSE THE DEBT IS NOT MINE AS I DID NOT AUTHORIZED THOSE CHARGES. I PAID BECAUSE I WAS AFRAID OF WAGE GARNISHMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: HireRight Solutions, Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was offered a job with an affiliate company and my credit was run. On the report there were XXXX cases in the XXXX court where I live with a name that is similar to mine, case numbers XXXX and XXXX for " XXXX XXXX '' that appear to be credit charge offs. Both are not associated with my Social Security. Hireright reported this event as being my cases, with out any disclaimer that they only searched the first and last name and did n't verify that is was not for me. I am in the cusp of not getting an offer now and have lost credibility and standing in my role as Head Of Compliance. I also have not been given a copy of the report that has adverse information on me, which makes it difficult to correct. I called the company who is suing the person with a similar name and was n't given information, and refuses to write a letter to me because the SS is different.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all XXXX bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to XXXX, XXXX, and Equifax via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. XXXX, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
It was determined that a tax lien was filed against me in error. The Department of Revenue released the lien and the reporting of such lien by the Clerk of Courts. I sent a letter to all three credit reporting agencies. The lien was removed from my XXXX and XXXX credit reports, but Equifax refused to honor the letter. I contacted them again regarding the matter and they still refuse to remove the error from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I feel I have been given inaccurate information on my account. I do n't agree with the fees that they charge. I struggle to pay on occasions. I feel like this loan should have been forgiven, because of the circumstances of my leave from college. My daughter was diagnosed with XXXX and I had to take a permanent leave from school to take care of her situation at XXXX XXXX in Tennessee. I have tried to work with the company a numerous amount of times, every telephone representative tells me different things. Some say they could readjust my payment and other say there is nothing they can do. All in all, I feel very frustrated and stressed about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On  XXXX   XXXX ,   XXXX   I made two deposits to my business checking account at Bank of America  in   XXXX  Wa (  XXXX   XXXX   XXXX   XXXX   XXXX  Wa  XXXX   ) . Per usual, I was given a receipt for the deposits.     When reconciling my accountants later I noticed that   one deposit cleared but the deposit second deposit for {$11000.00} did not clear.
The next day I went into that same branch. The manager looked up the deposit. He verified that it was received and could track it several points in there system in that branch. He said he would send the information on to his " back office '' and they would work on it. I asked that they call me to update me daily. I did get one call a few days later to say they still had not found the   deposit. On  XXXX   XXXX , I did get a call back from an individual from Bank of America. She told me she worked hard on the issue for half of a day but could not find the deposit. I asked for them to credit my account and she told me that would not happen.     I have called and spoken with several people at Bank of America and still do not have the funds in my accoun t. Two differ ent individuals told me there was nothing they could do. They had no response when I stated the facts- I gave them the deposit, they gave me a receipt, they appear to have lost it on their watch- it should not be my problem.     I have called again today,  XXXX   XXXX , there is still no progress on the issue and I am still missing the {$11000.00} that I deposited.

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 2015-11-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit XXXX. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and XXXX times, they sent a letter back stating the account is correct and will remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: SUNTRUST BANKS, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On  XXXX  I called  Suntrust Bank to try to get an extension on the remaining balance I have with them of {$850.00}. My v ehicle was totaled and between both insurance companies the bank has received over {$24000.00}. I have never been late on a payment. I even asked to speak with the supervisor ; his name is  XXXX  he did n't want to assist me either. I advise him that I am unable to make the payment due to me being unemployed and needed the extra time. I also advise him that they just received a payment from my insurance  XXXX . I never have experience anything like this

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 2021-12-31
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred money from Coinbase to GDAX around XXXX for trading, but when I want to withdraw the money they always have excuses to refuse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TD BANK US HOLDING COMPANY
State: VA
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:
This company is adding payments to a charge off each month and has not disclosed the purpose of the additional amounts or provided statements explaining the amounts. Furthermore, a judge dismissed a warrant in debt in XXXX of 2019 as it was determined this debt does not belong to me. I have disputed the account with the credit bearous several times and it continues to come back verified or updated. This is a violation of fair credit reporting. I have the court documents but can not upload on this page for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent this compan y 2  letters asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with  XXXX  and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.

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 2015-11-09
Company: DISCOVER BANK
State: AL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was laid off and am currently receiving unemployment. I have explained to Discover Card Services that due to my circumstance, I am unable to make the full payment, and have asked them for their help regarding a hardship payment reduction plan, and they have refused saying they can not do any better than my current interest rate of XXXX %. I have continued to make a reduced payment as to the amount that I can possibly afford, yet they continue to call and demand more from me, and have said that they will turn report this to the credit agencies. In the meantime because I am unable to make the full payment they are tacking on late fees.

Company response to consumer: Closed with explanation