BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I received an email from Coinbase Inc. that I needed to verify my identity on their website. I immediately followed the instructions and completed the verification successfully. Soon after I received an email also confirming that the verification was completed and I could use my account to invest. However, after logging in, my account was still blocked from making any transactions. I submitted a ticket and followed up twice on the status but after an entire day, I still haven't received a response. There is also no phone number you can call and speak to a representative. The only means of contact is email. Without any explanation my account has been blocked and I can not trade or withdraw my assets. The lack of responsiveness is also unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My server is Navient and this past year 2016 when i sent in all documentation in XX/XX/XXXX or XX/XX/XXXX for a recalculation of my income based repayment payment they started giving me the run around about not having all the documentation needed. I would speak to one rep who would say your payment is XXXX/month then i 'd get a bill for XXXX/month and this went round and round for 6 months with me being left on hold for over 30 minutes to wait to talk to a manager ( i would just hang up after 30 min because no one ever picked up on any call i made ), i would fax what they requested and be assured it would be taken care of only to keep getting bills for XXXX/month plus late fees and when calling i would be told they never received the fax or mailed copies. this went on until i started threatening to report them to any and every federal agency i could find then one day when i said that i finally spoke to a manager who cleared all late fees, and corrected my payment to be XXXX which is what i knew it should have been all along. But then after that the first bill i got was for more late fees and when i called they said it was from something else ( some other payment that was late and my payments were always within the grace period time, they were never late ). I then set up my bank to auto transfer my payments 5 days before due date so they could no longer try and say my payments were late. Even though they resolved my issue, it took 6 months and a lot of XXXX i did n't need and they did get some late fees from me which i should not have had to pay because of what i thought was incompetence but now i know it was just a scam to get money. i have all calls, dates, times and who i spoke with and what i was told all documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
On XXXX XXXX XXXX, I received a letter from XXXX, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a Bank of America agent. We informed both the Bank of America and XXXX that we did not have a Bank of America card, neither did we ever give permission for this collection agent to enter our account. XXXX has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XX/XX/XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX XXXX Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX Bank of America ( # XXXX. Since I was unable to submit the actions of Bank of America 's relative to the collection agency XXXX I am submitting a second request. Although Bank of America has withdrawn itself from my credit reports, Bank of America has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been XXXX -- including XXXX. I thought I had excellent credit only to find out someone had stolen my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I sent a dispute letter to all 3 credit bureaus on XX/XX/2022, requesting for an inaccurate item to be removed from my report. I received a respond back from them after more than 30 days stating that after their investigation they found the item to be accurate. I would like for them to send me a report of their full investigation on how they found that account to be accurate. Please see below the account information i need to be removed from my report. 

Account Number : XXXX Account Name : XXXX XXXX XXXX It's Reported as a Charge off/ Collection.

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 2021-01-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Wells Fargo, through reckless incompetence, lost records of my payoff for {$3000.00} for my XXXX loan. Because of XXXX XXXX misconduct, I am in fear of loan default, overdraft that will not be fault, but solely the fault of Wells Fargo ongoing incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing to dispute all inaccuracies on my credit report with Transunion.

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 2021-03-12
Company: NAVY FEDERAL CREDIT UNION
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: ALLIANT CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a {$99.00} card fee on my XXXX statement so I paid the outstanding balance of {$8500.00}. This amount was paid on XX/XX/20. I then contacted Alliant and told them I wanted to cancel the card because of the fee and asked that the remaining rewards of {$120.00} to be paid since the card was paid in full. I was then informed that if I cancel the card and don't pay the {$99.00} fee, that they would not pay me the earned reward use credit of {$120.00}. I escalated the matter to another supervisor, but was told that if I cancelled, I would forfeit the outstanding reward amount. I have been an active user of the card over the past year and always paid each month in full. This last month was no exception. It seems very deceptive and unfair that they would force me to renew a card that I don't want in order to receive the reward credit that I have earned. Attached you will see where I had the {$99.00} fee and then they refunded it but said I do not get the reward, so I told them to keep the card active until we could resolve this issue. That is why you see the {$99.00} fee twice. Any assistance in resolving this matter would be very appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: AES/PHEAA
State: OR
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:
Late Start to Qualified Public Service Loan Payments ( 8 months ) The over-all problem is that FedLoans began my qualifying public service loan payments two months late because they were slow at getting their paperwork done. On XX/XX/XXXX, I filled out an IDR Plan Application on my federal student loans both with the FedLoan company and XXXX company who both service approximately half of my loans. I graduated in XX/XX/XXXX. I submitted an application to switch from IBR to REPAY in XX/XX/XXXX with the expectation my first qualifying payment for Public Service Loan Forgiveness ( PSLF ) would be XX/XX/XXXX as indicated on my billing statement with both companies ( Your first payment is due XX/XX/XXXX ) and per multiple phone conversations with representative at FedLoan. XXXX XXXX approved my REPAY plan XX/XX/XXXX and FedLoans on XX/XX/XXXX, therefore FedLoans had a three and a half months delay in getting paperwork done. I would like to add that there is no difference between these loans as documented in the paperwork provided. My XXXX Plus loans with both companies went from IBR to  REPAY and there should be NO difference in processing time. However, since FedLoans has taken significantly longer to process my paperwork, my first qualifying payment under REPAY is scheduled for XX/XX/XXXX instead of XX/XX/XXXX for the Public Service Loan Forgiveness Program. This means I will lose 2  months of qualifying payments and my grace period with FedLoans is 8 months. 

This could amount to a loss of approximately {$1600.00} depending on my income in the last two months of payment. I have called FedLoan two times since XX/XX/XXXX when I realized my qualifying payments for PSLF would be delayed. I have spent hours researching how to navigate the complicated details associated with student loan repayment and I have done my job to get the paperwork turned into you on time. If FedLoan is requiring me to get my paperwork done on time each year, FedLoan also needs to get its paperwork done one time. Over  the phone their excuse for delaying my public service loan qualifying payments was because I started making payments, while I was still in school. However, I am not sure why this loop hole has such an unfair consequence. 

When comparing the two companys ability to complete paperwork on time, it is evident that FedLoan is at fault for not processing paperwork in a timely manner. Therefore, I am requesting FedLoan to correct their error by granting me REPAY payments starting on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Stevens Business Service, Inc.
State: NC
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:
Upon looking at my credit report, there is infomation reporting that I have no relation to. As you know, my credit report, UNDER FCRA, must be accurate with each agency. Negative fraudulent information reporting that is damaging to a consumers report, must be removed within ( 4 ) business days. This information has hindedred me in obtaing more credit, in order to build my credit profile.

According to FCRA 609 ( E ) Fraudulent information reporting to a consumers credit report MUST be removed within ( 4 ) business days of receipt of this information.

According to FCRA ( 609A ) you must provide me with the ORIGINAL signed contract ( also referred to as WET COPY ), between me and the creditor that you claim that I owe a debt to. If you can not provide this information IMMEDIATELY, the information listed in this report must be REMOVED. PLEASE NOTIFY EACH AGENCY REPORTING THIS INFORMATION AS MY CREDIT REPORT MUST BE ACCURATE UNDER FCRA. 

This agency is in direct violation of the FCRA. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH PARTY INVOLVED, INCLUDING ANY AGENCY REPORTING INACCAURATE INFORMATION. 

XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX XXXX {$130.00} XXXX Stevens Business Service/XXXX XXXXXXXX {$1300.00} XXXXXXXX XXXX XXXX- {$910.00} XXXX Collection Account- {$56.00} XXXX The following inquiries are done without my consent and are in error. This is a direct violation of the FCRA XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Us Small Business Admin Oda XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Adress that are not mine XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX MY ONLY NAME IS XXXX XXXX XXXX , PLEASE REMOVE ANY " ALSO KNOWN AS '' NAMES THAT YOU HAVE LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Transworld Systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Transworld Systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart below, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I have talked with their staff and they told me they would remove the late payment posted on my account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXXXXXX XXXX XXXXXXXX

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 2015-09-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
This issue is that the subsidiary collection agencies for XXXX continue to report on an old account that I have full paid and XXXX shows the account as being fully paid, but their XXXX-party collection agencies continue to report causing a negative reflection on my credit report. Every six months I have to resubmit the payoff letter to clear it off. It is cleared but then keeps reappearing. I need this cleared off my credit report and to stop all further collection and reporting on this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my XXXX XXXX I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I made a transfer XX/XX/2022 with REMITLY, INC money transfer services in the amount of {$750.00}. REMITLY took the amount out of my bank account twice, totaling {$1500.00} the following day XX/XX/2022. They then canceled both of the transfers sending NO MONIES to the recipient, and refunded me on XX/XX/2022 only the amount of one transfer of {$750.00}. Repeated letters, chats, phone calls confirms that they still owe me an additional {$750.00} and they assure me it will be returned within 24-48 hrs, 3-5 days, 3-7 days, and/or 3-10 days depending on who I have spoken to. It has been over 100 days, now. And, still no refund of the additional {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I have talked with their staff and they told me they would remove the late payment posted on my account.I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Midland Funding has taking me to court and continuously updated my credit with negative information. I have sent them 2 letters asking them to validate this debt in which they have not sent the information requested. I have spoken to them on the phone, in which I have the recording, asking them to validate this debt with a signature showing I have a contractual agreement with them and they 've responded verbally saying they do n't have that informatiom.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Repeated calls to my phone Impersonating that they was Michigan state treasury office and ask for to give them my address to send me a check from unclaimed property the company is called G C debt collection phone number XXXX XXXX

Company response to consumer: Closed with non-monetary relief