BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
After I graduated from XXXX ( which also lied to me about the whole process of the loans ) I was given a suppose 6 month free period but the interest was still going thru that time period. I had reduced my XXXX debt down to XXXX after graduating thru means of grants and such for good grades and now that I have this diploma that does not even work since XXXX was a fraud and I 'm stuck here with the debt I was baited into and I just feel cheated and Navient will not work with me to maintain my payments at a recent amount, my options are pay over XXXX dollars a month, get a deferment which would just increase my loan or not pay at all and get harassed by them daily. Just seems like no one is there to help me after graduating, I 'm just a customer number to them that they want to extract money from. Perhaps talking about XXXX in this complaint about Navient ( XXXX XXXX ) but I just feel cheated by both companies, I can not attend school anymore with a loan because of it and I can not use the diploma either, it is just a piece of paper now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I tried getting a personal loan with my credit union. When they pulled my credit report it showed that my home is XXXX foreclosure through Bank of America. It is not, all my payments are current. I called Bank of America the representative told me it was a mistake on their part and they would send notice to the credit bureaus. A few days later I received a notice from Bank of America saying their information was accurate. Again it is not. My payments are current. IF you could assist it would be greatly appreciated.

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 2021-01-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the XXXX XX/XX/2020 I tried to purchase XXXX worth of a cryptocurrency called XXXX. As soon as the money came out of my account, coinbase website went down. 

It then resumed normal service but the cryptocurrency that I bought hadnt been transferred into my digital wallet. 

Coinbase then refunded me the money. The problem now is they have locked my account with a message saying we ran into a problem collecting funds for a recent purchase. Please complete this payment to restore your account. 

It has nearly been 1 month, I have raised 5 tickets with support alongside trying to contact them on XXXX and XXXX with no avail. 

There are so many people encountering this problem as I believe coinbase could be trying to purposely hold peoples money for whatever reason they deem acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I originally took out a loan from XXXX to pay for my education at XXXX university. Since graduating, XXXX has sold off my student loans to other debt collectors including Navient & now XXXX. After receiving multiple calls a day from XXXX- I finally answered. A woman went through all of my financials to come to the conclusion that I had no extra money lying around monthly to make minimum monthly payments. She then suggested I borrow money from friends and family to pay off their debt. Umm no, if I had that as an option to BEGIN with for my education i would have used it rather than take out a private loan with an extremely high interest rate. Then she suggested I take out another loan to pay for their debt they are collecting. Again, NO- if that was so easy I would have done it already ... and isnt it illegal for a debt collector to suggest I take out another loan to pay off their debt? 
Finally, the last option she gave me was a settlement of paying a significantly less amount of $ XXXX instead of the $ XXXX she said my balance was, yet she couldnt put anything in writing to validate this was an agreement. yet she wants me to agree to something so significant without any sort of validation or protection for me. 

It has been a week and I have received 34 calls from them since then, and not one email or anything in writing that states my total balance or any thing that was spoken about on the phone. The harassment is UNREAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
They refused to provide me with a payment ledger. They have not posted all of my payments to my account. Subsequently, my account has become default. I still have not received the documents and now they are calling me each day harassing me saying my life will be ruined if this goes any further. I offered to begin paying monthly payments of {$100.00} beginning next month but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
For ethical reasons and because of sub par standard operating procedures being locked into my Direct Express Comerica Bank account has become untenable. I have found an online bank that meets my needs. I have asked the customer service agents at Direct Express/Comerica for the banking routing number and for my account number. Those numbers I would need to move where my monthly funds are deposited, I was told to speak to the person at The Social Security Agency to move my account to only then be told by them that Direct Express needs to provide me with the aforesaid info. I have had other bank accounts and never has such information been so coveted. I am locked into an account with a terrible apr and with a bank with dubious investment practices, terrible customer service and a loss prevention team that didnt notice my account being hacked for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing has been very difficult to work with. Please see attached dispute letter. Lack communication unless it suits them. Refused to assist me, forcing me into Foreclosure when it was not necessary. They refused my cash payment that I was told were certified funds, but then refused to tell me they refused the payment, instead blaming it on the vendor that sent the funds and giving me the run around only to tell me there was nothing I could do but lose my home. They transfer you over and over so you get so frustrated you just hang up.

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2015-06-27
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have written to Fay Financial at least four times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter was dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting " foreclosure iniitiated '' and XXXX days past due when there is a XXXX balance and the fact that no foreclosure was ever started.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below account from my XXXX, EQUIFAX, and XXXX  credit report ( s ). This account is fraudulent and unverifiable. 

XXXX XXXX XXXX This account is unverifiable, fraudulent, and is violation of my consumer rights. Requesting to permanently remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In XX/XX/2020, my Edd card was stolen and {$2800.00} was swiped at LA. I was working in XXXX XXXX at that time. After I found it, I called the Edd service department of Bank of America and the money was returned a few days later. But a week they buckle of return money, at the time I make a phone call to the bank of America and they said to provide work proved that at that time, I put my work and my when payroll manager phone fax them, in the meantime I made numerous calls, they say is processing need to wait for the past six months the silent until now, I am a civilian don't know what to do.this has seriously affected my life.

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 2021-01-04
Company: EQUIFAX, INC.
State: NY
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:
I reviewed my credit report and i noticed some unauthorized inquires on my report which means some type of fraudulent activity was taken place. I ask that the following Hard inquiries listed in my FTC report to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2016-03-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My deceased father 's American Express Credit Card was fraudulently used in the State of Michigan by unauthorized users ; a XXXX XXXX and XXXX XXXX. Now, XXXX XXXX XXXX is contacting the Estate of XXXX XXXX and demanding payment. 
BTW, Amex also has an incorrect address for my Dad 's account. Somewhere in XXXX, MI XXXX. My Dad lived nowhere near XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A judgment was entered on XX/XX/XXXX by Credit Acceptance to collect a debt on a vehichle. As of XX/XX/XXXX the debt has been paid in full.

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 2017-03-07
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit reports and discovered a negative listing reported on all three major credit reports. A debt collection agency called Medical Data Systems has been reporting medical debt that is not mine. I have no knowledge of the debt, other than it being listed on my credit reports. I immediately disputed the negative listing with XXXX, XXXX and XXXX. I received my updated credit reports with this collection account coming back as verified with no further information. As per the CRA instructions, to receive further information, I contacted Medical Data Systems with a debt validation letter because I wanted to see any proof that I supposedly owed this alleged debt. I wanted to see a contract bearing my signature on this debt, I wanted to see anything that would show I entered into any agreement verbally or physically, I wanted to see anything that remotely tied me to this debt that was, by the way, not even in my hometown or even in my state for that matter. They responded in part by saying, " there is no basis in law to substantiate your right to such information ''. In addition, they did send me a copy of a paper stating " THIS IS NOT A BILL ''. It appears to be a listing of medical services that may or may not have been performed. It may also just be a quote or similar, I 'm not really sure what this paper is or who it pertains to. It only has my name typed at the top. It DOES NOT have my social security number, my birthdate, or my signature anywhere on this paper copy. The paper also says to call them to discuss payment arrangements. This debt is not mine, or anybody that is associated with me. This negative account information continuing to be reported by Medical Data Systems is harming my credit score and my reputation and my quality of life.

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 2021-01-02
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Just recently, upon checking my credit reports, I found thatXX/XX/XXXXhas yet again placed a fraudulent collections account on my record under both names XX/XX/XXXXand Collection Bureau of the Hudson Valley. ( same account XXXX Original complaint number XXXX. - Submitted to the CFPB on XX/XX/XXXX I originally submitted a complaint on XX/XX/XXXX regarding this same exact account, ( complaint number above ) at that time XXXX had a company called XXXX XXXX XXXX reach out to me regarding this collections. At that time, I was told by XXXX XXXX XXXX that I would need to reach out to XXXX directly to try and solve this issue. 

As stated in my previous complaint regarding this company ( complaint # XXXX XXXX " I called and spoke with customer service on XX/XX/XXXX and was told in order to prove my identity and have the collections removed, i would need to submit proof of my address during the month of XX/XX/XXXX. The same day I spoke with the representative in the collections department at XX/XX/XXXX I submitted the proof via the email I was given, i submitted my ID, along with my bank statement and my auto loan statements, although that was not required. " I called the morning of XX/XX/XXXX and spoke with a customer service rep in the same collections department who confirmed that the information had been received. 

THIS NEEDS TO BE REMOVED NOW! THE DEBT DOES NOT BELONG TO ME AND THAT HAS BEEN PROVEN After submitting my initial complaint on XX/XX/XXXX, I got a response from XXXX XXXX XXXX stating that had reached out to optimum and were unsuccessful at getting any Information regarding the account therefore they were ceasing all collection activity and the account was removed, as it should've. 

This account has reappeared on my credit reports. Ive already sent in the information requested to optimum in order to verify my address as requested so I will not be providing any more Information to this company. 

Please remove this now! Its bad enough we are in the middle of one of the worst pandemics in American history, but to try and take advantage of people during this time is seriously sickening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: Integrity First Lending LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I got a rate quote from Integrity and it was pretty good compared to other companies, But through the process they said the market shifted and couldnt honor the rate.. it was the same day and the rate jumped from 3.875 to 4.25? on their site it shows rates but they havent been updated since XX/XX/2017 I have a feeling they do alot of bait and switch XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please remove

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
A request to remove incorrect late payments on XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, Capital one still charged interest {$5.00}, another dispute was submitted for other interest in previous months submitted in XXXX but no response yet why? it is simple adding all interest charged and credits given will show clearly still over charge of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX Honda financial double posted my payment. Once they credited my account, I paid them again. I was promised everything was ok and I had nothing to worry about. Well, XXXX XXXX I received a call while I was sleep 3 days after XXXX. I was told my account was past due. I explained what happened and the lady kept telling me I owed the money. My bank gift involved. The lady was waiting on documents from them showing the payment went through my account. She said she never recovered it, so I had to send her screen shots of my account then she called me and said she needed the before and after balance. That to me was too personal and I was n't happy. Well, they sent my account to the credit b stating I was over 30 days past due. I was furious because my boyfriend is the cosigner. 
I kept calling the corporate office for the VP that sent the letters to the customers apologizing for the mistake but he never called back. Well, I finally spoke with a finance manager, he listened to the complaint and had someone call me a few days later. Well, after speaking with the manager that called me, he told me he would write off half of my monthly bill once I made my payment. I made my payment on XX/XX/XXXX because it was due XX/XX/XXXX. The manager followed up with me this past Tuesday and said the balance was being written off because he seen my payment. Today My boyfriend received a message to call back. I ended up calling and spoke with a lady named XXXX, she told me I was 7 days late. I am furious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
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 unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : DPT ED/XXXX XXXXXXXX Balance : {$210000.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

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