BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The following are interactions with the Coinbase cryptocurrency exchange : XX/XX/XXXX bought XXXX XXXX coin for {$700.00} XX/XX/XXXX bought XXXX XXXX coin for {$4800.00} XX/XX/XXXX bought XXXX Bitcoin for {$26000.00}. 
XX/XX/XXXX attempted to transfer the Bitcoin out of Coinbase, and the transfer was automatically cancelled. 
XX/XX/XXXX again attempted to transfer Bitcoin out of Coinbase and the transfer was again automatically cancelled. 
In each case an email was sent to me indicating that the withdrawal had been cancelled because I was " currently unable to send Bitcoin. Please contact support ''. Using their contact form I related my problem to customer support. 
XX/XX/XXXX I received an email from support ( case # XXXX ) confirming receipt of my note and indicating that my case was being transferred " to a specialist who will be able to further help with this issue ... ''. 
XX/XX/XXXX after not hearing from Coinbase support for 3 days I used the complaint form accessible through their website to initiate a complaint. 
XX/XX/XXXX I received a computer generated form by email which confirmed receipt of my complaint form and assigned a case number ( # XXXX ). It also stated that : I would " receive a response from the Customer Complaints Officer within 15 business days '' and that " If for any reason we require an extension, we will notify you as soon as possible '', and that " ... .our internal complaint process will need to be completed before any litigation process is initiated ''. 
XX/XX/XXXX I sent an email asking about progress. I received a response indicating that " We've passed all new information on to an account specialist who is reviewing your case-they 'll reach out to you here '', ( through this email thread ), " review generally takes 4-5 business days ''. 
XX/XX/XXXX I sent another email reiterating my request and indicating that had now been locked for five weeks without explanation, and that they had failed to meet the terms of their side of the complaint process. I received a the same response I had received on theXXXX. 
I have not been able to sell or transfer either asset in the account for over five weeks. 
No explanation has been provided for this state of affairs. At todays prices these assets are worth about {$70000.00}. Yesterday they were worth in excess of a XXXX dollars more. The inability to trade these coins is a financial liability which could potentially cost me much more than it did yesterday. 
Coinbase has not lived up to the responsibilities of their side of the complaint resolution process and at this point it seems as though only the intercession of a third party will overcome their inertia and get them moving toward resolution of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: PA
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 was encouraged to defer my payment for three months by Navient. I told every financial counselor I spoke with from Navient that I was unemployed and looking for a job and that I could not afford payments. They told me I could take a deferment for three months once my account was up to date. I asked my Mom to help me make that payment and after the payment was received they told me I was unable to take a deferment. I received countless calls every day ( 3 or more times daily, at all hours of the day ) from navient financial counselors. Several months later I found out I was in a deferment for three months, and I asked why I was still receiving harrassing calls from navient workers. All the counselor I was speaking with did was apologize. I still am not employed full time, I work part time and it is difficult for me to make my payments every month ( although I do, about 50 % + of my income is paid to student loans ). I told navient counselors this and asked for information on other payment plans. I began asking this in XXXX and was told an email would be sent out to my mother ( these loans are in her name ) and that they would sent mail about repayment plans to our house. Nothing was sent and I have been asking them every month since XXXX about this. I am disgusted with dealing with Navient/ XXXX XXXX and I hope these circumstances change for the people who are indebted by them. If my payments were lower I could afford to do a lot more, but with the circumstance I am in now, I would have to make at least double what I make now to ever be able to move out and live on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have loans with XXXX XXXX now Navient. I was told by customer service reps that the only option when I was unable to make my full payment was to take forbearance when I graduated from school and unable to get a job making enough to cover the payment and my living expenses. A few years later during the recession I was laid off and unable to make payments. I was basically told too bad I should borrow money from family or decrease my living expenses by XXXX XXXX employees. My payments were over XXXX of my take home pay. My balance has since ballooned to double what I originally borrowed. I feel as though I 'll never rid myself of these loans and am still digging out from the damage missed payments have done to my credit due to predatory lending and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Ex Girl friend had trouble talking to Bank Of America I got on the phone to help her I 'm not a user on the Account. 
I had an Account with Bank of America and they misappropriated funds that is how they got my information

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 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Process started XX/XX/2020 and no progress so far on the incorrect credit info

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 2021-04-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I owed approx XXXX $ to synchrony financial through paypal. They sent this debt to collections after being 8 days late and did not send me any notification that this would be sent to collections. I confirmed via phone call on XXXX that no actual notice was provided. I tried to pay three time on XXXX in full, but their system still has not processed. 

This was an unfair practice on a high interest consumer account. I was floored when it was sent to collections without a notice.

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 2015-09-28
Company: The CBE Group, Inc.
State: LA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Before retiring from my Federal Job I neglected to change my email address so that I could update my XXXX account to renew my Auto Pay for 15 months. When I realized that I had over looked changing the email from my work to my home email in the mean time my XXXX Loan was turned over to collections, and not like I did it on purpose I offered to pay the two months and bring the loan current, and I was told that I could n't and they would start off-setting my Social Security and my Retirement pay, plus any other pay I get. So with the Gov. offsetting everything I get I 'm getting calls monthly, weekly, daily from CBE Group Inc to collect on a debt that is already being paid every two weeks, and every month. I have asked them to stop calling because I 'm not paying anymore that is already being taken which turns out to be almost {$500.00} a month in offset. XXXX times more than what the original loan payment was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am contacting you in regards to my student loan with Navient. To start, let me briefly explain.I had previously made payment arrangement through consolidation back in XXXX 2015 and I assumed the payments were being made through direct payment via credit card. I had no idea that my loan was in potential default. I had no access to my gmail account and was notified by my employer to contact Navient immediately. I did just that and was advised that I need to full pay my total balance due no later than XXXX/XXXX/15 which is over $ 13k.I am in not situation where I can full pay this loan and was hoping to set up another payment arrangement. I was told they will not work with me unless I am full paying the balance due and further collection action will be taken on or after XXXX/XXXX/15. I would really like to set up another payment arrangement if you can help with this matter it would be greatly appreciated. 

Thank you for your consideration. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a jount account at Bank of America with my husband where we were victims of fraud, his ATM card was compromised and numerous ATM withdrawals were made in another state and phony checks deposited. This fraud was reported to BOA. They did n't resolve the issues within the joint account and as a result thereof, froze my indiviudal account to " recoup '' the negative balance on the joint account. They put a {$880000.00} debit on my indiviudal account and will not allow me to access my {$3400.00} in my individual account and said the account is closed permanently. They bounced over {$1000.00} in checks when I had the money available. No one will give me a straight answer at Bank of America and basically stole money from me to cover fraud that was committed against me and my husband.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This company has been reported as removed and with in the week the same account was placed back without contacting me and not properly reporting account that I have no knowledge of. For this account to be removed from my report and sent back to the original creditor for the account. As for this is a account that I have no knowledge of. 
That they cease all collection efforts and be removed from my report because I 'm planning to apply for [ a mortgage/auto loan/etc. ], and it 's come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it does n't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely to be removed. 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay 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 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed this inaccurate bankruptcy & items associated with bankruptcy since XXXX of 2020, and after each dispute the 3 credit bureaus, XXXX, TransUnion, & XXXX  stated that the information was verified and obtained accurate information from a third party vendor XXXX and that I should contact the vendor directly. I have contacted XXXX who sent me a response stating they are unable to locate a file sufficiently matching the data that the bureaus, XXXX, TransUnion, & XXXX  are reporting on my credit profile.

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 2016-05-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE Financial Services just popped up on my XXXX XXXX XXXX, that i owe them {$210.00} for a medical service in XXXX of XXXX. I am a 100 % sure that I do not owe them any money at all. I am outrage by the face that this company is committing fraudulent activities on my credit account. I have done my research and a lot of people are being scammed by this company.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a loan thru Naviet and went to XXXX college that closed down few months after I finished but never got my XXXX. No one would tell me anything and I have this loan that I ca n't afford to pay back. They keep calling and will not help me lower my payments how I 'm I suppose to pay XXXX a month I 'm a single mom

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX of XXXX I began receiving phone calls from Pioneer Credit in regards to student loan debt. I have not received written communication from them, although they claim to have sent it. In an effort to stop a possible wage garnishment I agreed to make XXXX good faith payments of {$100.00}. Those were done in XXXX, XXXX and XXXX. Since that time I have not had any communication with the company other then phone calls. Nothing written at all. On XXXX XXXX, XXXX I was informed by my payroll dept that Pioneer had submitted an order to garnish my wages. I have had no written communication from them at all. In my investigation I have found that they are not listed as servicers on my loans. I am unsure of who they are and until I get more information I do not want them to have the ability to take money from me. If the loans are mine I want to take care of them. I ca n't do that without verification and more information from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: FinCo Services Inc DBA Current
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I attempted to purchase a XXXX e-gift card through XXXX. My purchase was declined due to card information error, I was prompted to correct the information and retry the purchase. I did as prompted, and was declined again, for the same error. I was using a virtual card, issued by Current bank ; reason being my physical card was cancelled without my knowledge or consent, a week prior to this incident. Apologetically, I seem to have numerous issues with Current bank, or the current account through XXXX XXXX XXXX. I checked my account on XX/XX/XXXX, to find four pending transactions to XXXX, each in the amount of XXXX, with a negative balance. Upon speaking with a XXXX representative, I was assured that this was a temporary hold, or " ghost charge '' and would resolve in 3 to 5 business days, as there was no purchase made. I immediately contacted current through chat, in the app. I was repeatedly told that they have no way to clear pending transactions, it was up to XXXX to drop the hold. At this point, I began my research and found this avenue. I contacted the bank three more times, each time asking to have my issue escalated to management, and was told every time that it would be useless to speak with management, and given an opinion on how management would handle my issue. I subsequently e-mailed customer support twice before getting a response that a compliance team was reviewing the issue. It's been longer than five days, all other pending transactions have cleared, however these four are still pending. With no further response on the e-mail, and the same in app chat run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I just spent two hours on the phone trying to get access to my online account with TransUnion. I kept getting transferred in circles with people in XXXX. I could not get an answer. They just kept sending me back and forth between the dispute dept. and the online support dept. I never got to speak to anyone who was in the U.S. I still do n't know my credit score with them because they could not help me get to my account. I questioned XXXX item from another source that showed an outstanding negative report with something called XXXX. All of my outstanding bills were taken care of more than 7 yrs. ago. It even shows a XXXX balance. I have not been late with my bills and very careful that everything has been taken care of. How do get to my TransUnion account and find someone who can help me get answers as to why my credit has not improved with several years of positive reporting.

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 2016-01-06
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We obtained an interest-only mortgage from XXXX XXXX Mortgage in XXXX ( which filed for bankruptcy in XXXX and is no longer in business ). The loan was transferred to CitiMortgage shortly thereafter and they still own/service it today. The loan is due to fully amortize in XXXX of XXXX. I am concerned that we will not be able to afford the payment at that time. I have made numerous attempts to refinance the loan or discuss potential options/solutions with Citimortgage over the last couple years. Since our home is underwater and it is a jumbo loan, I am told there are no options without significantly paying down the balance on the loan which we are unable to do. I have also been told that we do not qualify for a modification because we currently have the income to make our payments. I am trying to be pro-active in dealing with this before my family and I are in a crisis, but they are unwilling to work with us. They offered to modify our loan in XXXX. We accepted their offer because we were told it was the only option to reduce our payments. They left us in the same interest-only product and INCREASED the balance by nearly {$7000.00} which makes our situation even worse. We simply want them to refinance or modify our loan to a fully amortized 30 or 40 year loan at market rates so we can start to pay down the principal and avoid the substantial increase in our payment that is looming. We do not want to be at risk of losing our home. We are not asking for them to take a loss, we simply want them to do what we believe is fair and will help both of us avoid a potential foreclosure situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: BSI Financial Holdings, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI FINANCIAL SERVICES - XXXX is reporting a late on my credit file from XX/XX/20. At this time i did not have access to my bank information and i made several attempts to make my payment over the phone and online with my debit card and they refused to take my payment. I was stuck out of town due to COVID and had no access to any of my information. Once i got back i was able to successfully make my payment but when i checked my credit file and saw the late. I was very disappointed. I was not trying to be late and since i had been in communication trying to make my payment i thought i was fine. I am very frustrated with BSI, i was never told i would get a late marking on my credit file and like i said since i was in constant communication with them trying to resolve this issue. It was truly out of my hands and feel as this late notation should have not been added to my credit file. I would like BSI to remove this late from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I REPEAT This is not a duplicate, My first dispute you ignore " NOT MY NAME '' part of the dispute. This is my second time disputing and my LAST TIME trying to fix this issue before I file a lawsuit for Amenity, Statuary & Emotional damages. 

The original contract from ( Speedy Cash ) doesn't have my name. Copy of the AD ASTRA paper work they sent me via verified mail doesn't have my name, which is a major violation, so how are you verifying this debt? So I recommend you do a careful Investigation over the highlighted area on the documents that is attach. Under the FCRA 1681i That is Not My Name On The Original Contract so Delete this debt off XXXX  & XXXX  or I will be filing suite

Company response to consumer: Closed with explanation