BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was calling to get my forgiveness Or cancellation from, from what Joe Biden the president sign into law and XX/XX/XXXX forgiveness supposed to last for 5 years, I was qualified for it, I contacted him back in XXXX about it, they said they heard nothing about it I've never received anything, as far as with the XXXX XXXX that I even send that with in, that I have another complaint about, Heres whats included in the stimulus packages that might benefit current or future student loan borrowers : Suspension of all payments through XX/XX/XXXX No interest will accrue until XX/XX/XXXX The suspended payments count towards loan forgiveness programs, including PSLF and IDR forgiveness ( XXXX, XXXX, XXXX ) Taxes are eliminated on forgiven student loans through XX/XX/XXXX Employers who contribute to their employees student loans receive a tax break up to {$5200.00} ( through XXXX ) Borrowers in default will have their months of suspended payments count towards the nine months needed for loan rehabilitation No collection, wage garnishment, or seizure of tax refunds will happen ( backdated to XX/XX/XXXX ) Slight increase in maximum Pell Grant Incarcerated persons can now receive Pell Grants Over {$1.00} XXXX in institutional debt of HBCUs has been discharged Students may now continue to receive a subsidy on certain subsidized Stafford loans for XXXX for a longer period of time Employers may contribute up to {$5200.00} each towards their employees student loans, with this program set to expire in five years now instead of at the end of this year. 


P H E A said they never heard of this law Or if are it being signed into law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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:
1. Credit score was lowered from XXXX to XXXX for no change in report and remained low for 5 months. 

2. They have failed to properly investigate dispute on my credit report from XXXX XXXX. XXXX XXXX failed to respond to debt validation letter sent by certified mail. Letter was sent to XXXX in XX/XX/2019- no response to date. 
Ive disputed this debt with XXXX and Transunion, most recently in XX/XX/2019.

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 2021-06-10
Company: EQUIFAX, INC.
State: GA
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:
Reporting on consumer report XX/XX/2016 in the amount of {XXXX} ; {XXXX}. I have notified the bureau of an unauthorized items reporting on my customer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Eagle Accounts Group, Inc.
State: NY
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:
THESE ARE THE ACCOUNTS THAT ARE FRAUD 1. CHILD SUPPORT ENFORCEMENT  XX/XX/XXXX {$44000.00} 2. XXXX XXXX XXXX {$270.00} AND A FRAUDELENT INQUIRY 1. XXXX XXXX XXXX XXXX XX/XX/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 2021-02-16
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I discovered six transactions, 3 on XX/XX/XXXX, XXXX on XX/XX/XXXX totaling {$4000.00} which were bank to bank transfers made using my US Bank Relia Card. I tried to use my card and the transactions were declined. I called the bank and was told of the fraudulent transactions. A fraud form was mailed to me. 

I tried to login to my account and was unable to login. Customer service would not let me into the account. The customer service representative read to me an email account which was associated with a Belgian service. The fraud dispute forms that were mailed to me also indicated the phony email address. I concluded that my online account was compromised along with my debit card. 

I completed and returned the fraud dispute forms on XX/XX/XXXX and filed a police report. Upon follow up, I was informed that my fraud claim was denied on XX/XX/XXXX. I have not been provided a reason why my dispute was declined. I have no other recourse than to file a complaint against US Bank Relia Card in order to receive a fair resolution of the dispute.

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 2022-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXXXXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-07-03
Company: GCFS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Original loan was in XXXX. GCFS, Inc.has continually called my place of employment, family members, non-family, acquaintances stating that I have a warrant. The police are coming right now you better get her on the phone. They called my work, XXXX XXXX XXXX XXXX starting in XXXX and continue to call presently. They called them on several occasions all day telling my employer I was a criminal and the police are coming. I had to prove to my employer I was not with court documents. They continue to call to this day and I do n't work there, I paid off what was agreed with XXXX XXXX in XXXX. On top of all of this illegal action they are trying to sue me again. This judgement was to be released which it was, now I get a letter saying I owe XXXX. I called the court and she said they re-filed. How is this even legal. I have multiple witnesses of this illegal action which almost cost me my employment and continues today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Diversified Consultants, Inc.
State: NC
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:
In XX/XX/XXXX I sent a certified letter to Diversified Collection in reference to them validating a debt. In this letter i asked for the the items that FCRA considers to be valid vaerication of this debt. In XX/XX/XXXX I received a letter from XXXX XXXX staying that they have spoke with XXXX and verified the amount owed. They also include a billing statement of the amount Im suppose to owe. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 this is not a valid way to verify a debt. Under FCRA, 15 U.S.C. 1681 debt validation must include After receiving this letter, I sent another letter certified mail in XX/XX/XXXX. This letter stated that Under the FCRA, 15 U.S.C. 1681 a billing statement is not a Valid way of validating a debt. On XX/XX/XXXX I received a letter from XXXX XXXX with the exact same letter and the exact same billing statement as the letter I received before. By this company refusing to correctly validate this debt, along with continued collection attempts on this debt, and failure to remove this debt from my credit report they have violated my right under FCRA, 15 U.S.C. 1681. It has been more that 30 days since I asked for validation of this debt and Im seeking your help in forcing them to remove this items as required by this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: CA
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:
My wife signed me up as an authorized user on her {$24000.00} XXXX XXXX XXXX XXXX. I no longer wish to be an authorized user on my wife 's credit card. XXXX and XXXX deleted the trade line. For whatever reason, Equifax refused to delete the trade line. I guess they are too busy with their glitch problem to do their job. I want the trade line deleted by Equifax asap! I am not responsible for this credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Transform Credit 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 fraudulent account on all three credit bureaus. The company is transform credit inc . I did not open an account this company and I did not recieve any money from then. The website is https : //transformcredit.com/ I need this removed from my credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The company charges a fee for one-time payments. I prefer one-time payments as I do not like to save my financial information with companies, but in this case I'm unable to do that without incurring a fee. I think this is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Viking Client Services
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Viking Client Services ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XXXX/XXXX/2017 and on XXXX/XXXX/2017 - They contacted a relative and left a message, then disclosed that they are attempting collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Premier Student Loan Center
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I contacted a number I found in an article on XXXX regarding a student loan forgiveness program. I spoke to a young man named XXXX. He gave me a direct number of XXXX. He logged into my student loan information online and told me I was approved for a relief program. I would pay {$13.00} and some odd cents for 102 months. After those payments were on time the remaining student loan debt would be forgiven and my student loans would be payed off by his company. He told me his company would pay off XXXX and take over my debt. My payments would go directly to them. On XX/XX/XXXX, I noticed a withdraw to premier student loan center for {$180.00}. When I attempted to call the number given to me by XXXX, I was sent to a voicemail. I left my contact info and received a call back shortly. I was asked, " Are you interested in student loan forgiveness? '' When my answer was anything but " yes '' the call was immediately ended without explanation. This happened 3 different times with 3 different callers.
I feel like I have been scammed and am ashamed that I fell for it. I am just an honest woman trying to lower my bills and improve my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted WellsFargo on XX/XX/XXXX to fix problem I noticed.

They said 2-3 days to fix Received collection call next day. XX/XX/XXXX Spoke to executive office. They called would for sure stop. And problem being worked on.

XX/XX/XXXX received another collection call.

Problem still not resolved.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've sent emails and called all 3 credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them.

Per consumer law 15 USC 1681c-2 : Block of information has been violated

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 2017-10-24
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since our XXXX XXXX away we have been attempting to seek assistance from SLS in order to avoid foreclosure on our family home.we have applied to SLS for mortgage modification, deed in lieu and short sale multiple times.We recently requested the dollar amount to reinstate the loan.In a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX7 was {$79000.00} plus legal fees of {$1000.00} and corporate advances of {$3100.00} for a total of $ XXXXIn a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX was {$79000.00} plus legal fees of {$210.00} and corporate advances of {$3100.00} for a total of {$82000.00}. 
How can that amount be less than one week earlier? 
How much of the {$79000.00} is allocated to principal, interest and escrows? 
How can SLS charge twice for principal payments? 
The language " the amount of payments due through such and such a date is confusing to us in that it appears as though SLS is attempting to illegally profit from our mothers estate by inflating and or muddleing the dollar amount to reinstate.

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 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against  inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. On XX/XX/XXXX, I obtained my credit file and noticed that TransUnion had accounts listed on it that were inaccurate. On XX/XX/XXXX, I sent, via USPS Certified Return Receipt, a dispute letter which also asked for the Method of Verification that they used for the accounts that were inaccurate and the files that they had which they used to verify these accounts. TransUnion received my dispute letter on XX/XX/XXXX, according to the USPS which I have proof of. TransUnion sent a letter back to me stating that they verified that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I sent another letter on XX/XX/XXXX, via USPS Certified Return Receipt, asking TransUnion how they verified that these accounts were mine and that they were accurate. TransUnion received this letter on XX/XX/XXXX which I have proof of. TransUnion once again sent me a letter stating that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I am distressed that TransUnion continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The accounts I am referring to are : XXXX XXXX XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX/XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.

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 2022-04-30
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
As usual the crypto industry is again coming up with new ways to rob their clients. I have staked XXXX  on Coinbase ( CB ) which generates staking rewards.

CB used to have a rewards ticker where you could track your rewards- but they got rid of it on the computer version I guess because having the rewards ticker makes it harder to steal from their clients.

I have enclosed a pic of what the ticker on the computer now looks like.

CB does still have the ticker for the CB app- which is where the issue is.

Approximately four months ago my rewards ticker on my computer rolled over to XXXX I logged in the CB app and have been using that for several days now. I decided to look at my ETH rewards on the CB app. The CB app still has a ticker and it showed a vast difference of rewards calculated by the CB app vs rewards calculated that show up on the computer version.

When I emailed CB about the discrepancy I received a generic response about staking and nothing that addressed my issue.

I have attached pics of both sets of rewards- on the computer it says 0.03 The other pic is from the CB app ticker that is definitely wrong. I surpassed XXXX rewards months ago!! This is just another way for CB to rob their clients. Why else would they have gotten rid of the ticker- to do away with transparency. 

Here 's the math : I started staking in XX/XX/2021 at a rate of 6 % which has now recently dropped to 3.68 % with a balance of XXXX XXXX Yet CB shows my XXXX  rewards for the approximately one year that I have been staking as XXXX on the app 's ticker. 
I actively looked at my ticker rewards when CB was transparent about them and it has been about 4 months since they rolled over to XXXX so where are my missing rewards CB? 
The app reports one number and the computer version reports another number for staking rewards.

I expect a real answer CB, not a cut and paste response that doesn't even address the issue.

And please answer the question of why you removed the rewards ticker for computers.

CFPB - everyday all day long clients are screwed over and robbed by these exchanges. It is time for the government to regulate these exchanges and stop their constant thievery. They have enough $ $ already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I responded to an email offer from  XXXX  +  XXXX   XXXX   XXXX  XXXX  XXXX  for free merchandise ( there is a small shipping charge  ) i f I took a survey. I took the survey and ordered the " free '' merchandise. Later learned from a friend, who did the same, that this is a scam that continues to send additional ( expensive  ) ite ms paid for wit h Automatic Recurring Charges to th e VISA card.   XXXX  I saw no statement that additional purchases and an  " Automatic Recurring Charge ' ' would be set up on my  VISA card but one  was.   XXXX  I cancelled t he VISA card  and will reestablish  XXXX  valid recurring charges on the new account. Think I 've handled it but just want to let you know this is going on.

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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws.

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 2021-03-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.

Company response to consumer: Closed with explanation