BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold to Shellpoint mortgage company. The very first time I tried to make a payment there was problems. They had no information about my loan ( which Ive been paying on for 17 yrs ) and made me pay more then my monthly payment. The lady I spoke to had absolutely no idea what was going on with my loan. When I tried to explain to her that the amount she was telling me I had to pay was wrong she was rude and said that if I didnt pay that amount my payment would be held and then it would be late. I pd the amount she said because I have been working very hard to not make late payments. When I asked to talk to her manager she told me no no reason..just no I dont know what to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
So I have a coinbase account and one day I recieved a email saying my way to open my account thru a picture was approved, I found that odd because I never asked for a XXXXXXXX XXXX XXXX to be approved. So I contacted coinbase and told them that I thought my account was hacked, so they told me that they were temporarily freezing my account and some one would be getting back to me in 5-7 days, I thought ok that sounds fine considering that I have over {$5000.00} in my account, well that was over two months ago, you can not reach them by phone, I have emailed over a dozen times and every time I get the exact same email back saying they are reviewing my account and someone will get backto me in 5-7 days, this is outrageous, they have stole my money and I would like it back, please help XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fl, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We contacted Rushmore LLC on XX/XX/2020 to make arrangements to make payments on our mortgage. The rep took all of our financial info and assured us that they would be in contact regarding a payment plan to catch up on payments. One week later I called and I was told to call back the next week, I asked for an email to verify our phone conversation and was told the company did not use email. I have tried for the since then to call every number I can find and I get put on hold for upwards of 45 minutes. I have yet to speak to a human being. I have been unable to log into my account since the beginning of XX/XX/2020. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Arbitration

Complaint:
My wife and I have spent nearly six weeks going back and fourth with Capital One 's Dispute Resolution Department. The company, Capital One claims to protect the consumer who uses their card for purchases. After six weeks of letters and phone calls we now find this is not the case. The company initially credited our card only to later reverse charges and adding interest and fees making our card unusable on a recent trip. 
My wife gave up but I am not willing to. I have called their disputes resolutions department for days leaving messages with no call backs. Finally today I was able to reach a department manager on a different number. Manager XXXX employee ID XXXX said today she had no solutions stating that since we stayed at the condo we are not entitled to a refund. She would not allow me to discuss the issue with her manager XXXX employee ID XXXX. She said nobody in her entire company could help me. 
My wife spent weeks sending Capital One the requested documentation of this roach infested 3rd floor condo we stayed at while visiting my elderly parents. The facility was misrepresented by it 's management company. It was a complete disaster including broken elevator making it impossible for my parents to visit. Why did Capital One waste weeks of our time when they knew all along we stayed there? Instead they asked for paperwork and pictures. We went back and fourth with phone calls, emails, letters, jumping thru hoops and playing their games. 
We stayed at the said property because we paid and had no where else to stay. It was disgusting and unsafe. But we had no where else to go. Our plane tickets were for one week and everything in the area was booked. Management was unable or unwilling to move us to another unit. 
Capital One is lying to consumers by stating card member 's purchases are protected.This is clearly not so! Our card was charged by a fraudulent vendor and Capital One refuses to refund our money. 
I pay interest and fees to use this card and be protected. This is not protection. This is a rip-off!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am having serious concerns regarding a student loan I have through American Education Services. Loan information is as follows : Disbursement date:10/28/2004. Loan Program : XXXXCurrent Balance : {$13000.00}. Original Balance : {$16000.00}. Interest Rate : 5.130 % I have been in repayment for over 10 years and have paid {$15000.00} since I began repayment and my balance has barely lowered. According to the standard repayment plan it should be completely paid off by now. Even more concerning is the repayment schedule seems to be moving backwards. Every month the principle portion lowers while the interest portion gets higher, the exact opposite of what one would expect to happen over the life of the loan. I have never missed a single payment and only had XXXX payment in the 10+ years of repayment which was late, by about ten days. To compound the frustration AES will not respond to my inquiries. I would appreciate any assistance you can provide to help me determine what is going on with this loan. I have the wherewithal to pay the loan off entirely, however I am reluctant to do so until I get to the bottom of why it appears that I 've paid far more interest than expected. I thank you in advance for your helpSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, 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:
XX/XX/XXXX To Whom It May Concern : Equifax It has come to my attention that continued requests for removal of credit inquiries and erroneous accounts that do not belong to me are still entered as accounts on my credit report. You also have an incorrect address, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX, XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX , XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XX/XX/XXXX THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME! 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX is still reporting a paid closed checking account on my Equifax credit report as open. Sent the last dispute request to Equifax on XX/XX/XXXX to delete incorrect information. I have tried to get this removed on several occasions due to the inaccuracy and paid status, but XXXX fraudulently is still reporting this account as open. XXXX XXXX XXXX XXXX response from the Equifax investigation received on XX/XX/XXXX was information was accurate-account is open, the type of loan is 'deposit related ' and updated the information to XX/XX/XXXX. Explain to me how a paid/closed banking account from XXXX is still reporting as open in XXXX with no account history on a closed account? Plus, under Type of Loan on my credit entry it has-deposit related. When is a closed checking account reported on one of your major credit reports? AND, I have never had a loan with this company. I have not banked with this company since XXXX. There is no current checking or savings account with this company that is open, yet they continue reporting this as an open account, which is a fraudulent practice and a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me every day to explain how they can collect this debt. They have also contacted my family members to collect this debt.

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 2022-09-15
Company: Genesis FS Card Services, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
In XX/XX/XXXX, I noticed it has been very difficult for me to pay down my balance on my Milestone credit card. Upon further investigation of my statement, I noticed a " credit protection fee, '' that I did not approve, has been charged to my account since at least XX/XX/XXXX ( the farthest statement I can see online ). In XX/XX/XXXX, I called and spoke to a representative to tell them I wanted this canceled and refunded for all prior charges as I did not approve this service. They said they were not sure they could do this but would escalate my complaint and let me know. This has been over two weeks ago and I have not heard anything. According to my recent statement, I am still being charged this fee. I would like to have this service stopped and be refunded for all " credit protection fee '' charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America allowing payments from my account that's not authorized and adding overdraft fees and my checking account is overdrawn in fees by {$400.00}.

I have contacted with XXXX XXXX and XXXX XXXX XXXX in XXXX, California to make payments arrangements of {$60.00} @ month until the {$230.00} and {$300.00} debt is paid for payday loans. 

My checking account ending # XXXX has a negative balance of {$400.00}. 
I am in a financial hardship and Coronavirus issues has affected everything in California and America. 
I am respectfully XXXX XXXX, XXXX  and a XXXX XXXX XXXX Military Veteran. 
Bank of America is receiving a stimulus funding, and my account should be in positive standing and not negative.

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 2021-08-01
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am an American Express XXXX XXXX holder, for which privilege I pay {$5000.00} a year in fees alone. I have been an Amex customer since XXXX. You would think that qualifies me as a good customer, right? WRONG!!! I called the dedicated customer service line XXXX XXXX XXXX at XXXX XXXX  on Sunday, XX/XX/XXXX and spoke to a woman called XXXX based in Florida. I wanted to put a charge into dispute. I was on hold for 4 minutes and then for a further 8 minutes while XXXX " transferred '' me. After 12 minutes 30 seconds she came back to me to tell me the disputes department was closed on Sundays and she could not help me. This complaint is about three things : 1. American Express refuses to accept my dispute. This is illegal under the Fair Credit Billing Act. Amex encourages you to contact them via phone about disputes, but on weekends they refuse to accept disputes 2. This representative does not know what she is doing. How can I wait 12 minutes to be told the disputes department is closed? Why wouldn't she know that when I first spoke with her? When I told her that she should know this and she needs retraining she said I " insulted '' her. Fortunately these calls are taped 3. This is not the sort of service Amex advertises for the extortionate fees that it charges. This is a " bait and switch '' fee policy. My fees should be partially refunded for this lack of service, I am supposedly paying for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
The account was in collections with XXXX XXXX  XXXX and is paid in full as the documents I have uploaded shows.

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 2016-07-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient has been reporting me as 30, 60, 90, 120 days late on my student loan while I am on hardship forebearance. I have the physical paperwork reflecting all of this as well as the e-paperwork. My credit score has gone down XXXX points in the last 30 days because this is the only time I have ever been reported for being late on a payment. It destroyed my plans of buying a car and has costed me who knows how many job opportunities as I 've also been attempting to change career fields. Now I think I know why I mysteriously was having an extremely hard time getting calls and interviews more so than at any time in my entire XXXX years of life. I will take them to court I will blast them on every web site in existance every day if I have to because this is CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My medical provider, XXXX XXXX ( XXXX XXXX ) in XXXX, IA had an agreement with XXXX XXXX XXXX, among other XXXX, to bill patient insurance and collect what they could and discharge the remaining balance. Patients were instructed that they would receive up to 3 invoices from XXXX XXXX XXXX, but to disregard and not pay. Previous services had gone as explained - the invoices came, insurance paid some, the remainder was discharged. In mid-XX/XX/XXXX something changed between XXXX XXXX and XXXX XXXX XXXX, but patients were not informed. XXXX claims they were not informed either. Patients, including myself and my husband, began receiving debt collection notices from Transworld Systems , Inc on behalf of XXXX XXXX XXXX. Transworld was collecting for services rendered in XX/XX/XXXX. I paid the debt in the amount of {$100.00} to XXXX XXXX XXXX, as instructed in the notice. Check # XXXX dated XX/XX/XXXX. ( I have a copy of the cleared check image, which I can provide if needed. ) I continued to receive daily collection calls from Transworld until XX/XX/XXXX. I spoke with XXXX of Transworld on this date and explained that I had paid the debt, provided the check details and date, and told him to take me off their calling list and that any further contact would be a violation of law. Today, XX/XX/XXXX I received a written notice from Transworld for the same debt which I paid back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient is my loan servicer. I also have some loans that are serviced by XXXX. Every year, I submit a renewal for my income-based repayment plan using the same forms and tax returns to both servicers. This year, Navient rejected my renewal, because I " chose the wrong option, '' and a representative informed me that I can only submit a renewal for income-based repayment 45 days before the expiration of my plan, and no earlier. She told me that it would take between 15-20 days to process once the renewal is submitted. This leaves me no time to correct any problems with my forms if they take 15-20 days to process my renewal within that 45 day window. I checked my loan document and it states that the first day I can renew is 95 days ( not 45 ) prior to the loan period expiration. The document does not have the date on which the loan period expires. I had the same issue with Navient/XXXX two years ago when I submitted my renewal prior to the 45 ( or 95 ) day window. However, I did not receive an explanation for my rejection, and the loan service operators gave me a different explanation every time I called. They also attempted to put my loan into forbearance although I made it clear that I did not want my loan to be put in forbearance. I wanted them to either process my renewal, or tell me if I am missing information which made it impossible for them to process my renewal. After several heated conversations with the loan service representatives, I was able to speak to a manager who processed my application for income-based renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Academy Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Academy Mortgage was my former mortgager. I refinance my loan and it was paid in full on the XX/XX/2021. My new lender does not require an escrow account and I've been waiting for a check from Academy Mortgage in the amount of {$5000.00}. 

I researched and learned that the lender is required to return these funds within 30 days of loan closing. To date, I've received nothing from Academy Mortgage and it has been 38 days since my loan was paid off. Every time I call, I get the same XXXX, " Your check is in the mail. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To Whom it XXXX concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all Navient accounts be remove and deleted from " Transunion '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the XXXX had the creditor Navient account deleted from my Equifax profile, but the same account is still being report erroneously on Transunion. THIS AGIAN VIALOTES THE " FCRA ''!!!

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