BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX/XXXX Account # :XXXX I was never late 60, 90 or 120 days in the months of XXXX and XXXX 2016.
I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2016-11-14
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I asked my credit card provider to reduce my APR ( annual percentage rate ), since I feel it is too high even though I have been a good customer for more than a year. The provider refuses to reduce my APR, for the below reason : " Credit line decrease on your account within the past 4 months '' I have never had a credit line decrease in my lifetime of using credit cards ; in fact my credit line has only increased in the time frame mentioned. I have called the credit analysts who are supposed to be rectifying the problem numerous times, but the problem still persists after two whole months ( my first complaint was made in XXXX ). 

I have been told repeatedly that this is a technical issue and should be resolved in a few days, but it has taken a very long time and it still has n't been resolved, even though it is not my fault whatsoever. There is no reason for the bank to deny me an APR decrease even though my credit usage has been excellent ; I have not been given any other reason for the provider 's inaction apart from the one mentioned above, and the provider refuses to take action until this technical issue is resolved, which they neither resolve nor give a concrete timeline for. 

I feel that it is unfair of the provider to take advantage of me this way ; I have always made my credit card payments on time in full ( multiple payments a month ) ; I have been a good customer in good times ; I fear that if I fall on bad times, the provider is unwilling to have my back and fleece me in my time of need through ridiculously high APRs ( greater than 20 % ) which it refuses to decrease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They continue to call about a {$790.00} bill that I 'm unaware of. In XXXX I was still a kid, how could I have an open cell phone account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XXXX/XXXX/XXXX of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.

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 2017-08-14
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: Their investigation did not fix an error on your report

Complaint:
I have contacted the credit bureaus regarding an item on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC identity theft report. I have provided to them all this information and copies of the documents as well. They have not handled their investigation as they are suppose to in cases of identity theft.

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 2015-09-09
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got dumped on this company ( Greentree Servicing LLC ) by XXXX back XX/XX/XXXX. They are trying to put me into a forced escrow account. It 's been a battle to no availe since XX/XX/XXXX.There is ABSOLUTELY no one to discuss the matter with ( only cust svc reps XXXX. I have paid all my required interest pymt, s on time w/add, l principal paymt, s. All my taxes are paid up to date. They are holding back my pymt 's and not applying my interest / and or principal pymt, s. To make a long story short ... ... ... ..they have implied and told me that they would start foreclosure proceedings on our property. I have NEVER been late with a mortgage pymt. THEY ARE ALSO IN THE PROCESS OF RUINING MY CREDIT!!!! They are saying that I.m not paying my mortgage. The issue is the escrow account I can elaborate further later on. I am XXXX yrs old XXXX ; as is my partner XXXX wife ) to be. I am XXXX a Veteran and we are ( were ) in the process of applying for a VA loan. This company has made a shambles of our plans. What they are doing, is unethical ; probably illegal and have from the beginning ; been unwilling to discuss this issue. YOU CAN ONLY TALK TO A CUST SVC REP!!!!!!! IT, S A JOKE ... BUT NOT. I HAVE ALL DOCUMENTED INFO ON MY PYMT, S, AND FROM THE LOCAL TAX OFC. By the way ; I believe this company has been practicing their tactic, s for some time. As we speak ; they, re changing their name again XXXX ... Please help us with any assistance you can provide us.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I recently signed up for Coinbase, an online cryptocurrency exchange. I made several purchases, starting on XX/XX/XXXX. I started off using a credit card, and then increased my buy volume by providing a picture of my driver 's license. Once I was cleared for bigger transactions, I transferred a total of XXXX dollars from my bank account to my Coinbase USD account. The transfer went through and I was able to see the money in my Coinbase account.
Then, I tried to make a purchase and was not able to. I was directed to the coinbase/ssn page, where they ask for date of birth, name, ssn, job title, workplace, and personal address. I provided all of the correct information but access was denied. I am now unable to do anything with the money in my coinbase account and ca n't transfer it back to my bank account. My XXXX dollars is " locked '' in Coinbase.
I have emailed them twice, starting on XX/XX/XXXX, and they have not responded. I have no access to my money and need this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I took out student loans with XXXX XXXX financial to help cover my college tuition. 
The loans were later converted to Navient. After repaying on the loans for over XXXX years I saved enough to pay off the account. In order to ensure that the payment was handled properly I called their customer support line and their agent informed me of the payoff amount as of that day and that it could take up to XXXX days for the account to show paid in full. I made the payment at that time per their instructions for the posted amount. 
After XXXX days I have now been informed that they will not show the account as paid in full for up to another XXXX days for the account to show as paid in full. Please note, they changed the terms of their agreement XXXX days after the payment was posted and now claim they have up to XXXX days to show an account as paid in full. 
The loans in question were for XXXX University and the University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am one of the many who had to opt into an income based repayment plan. After much research and after finally being in a decent situation where i could afford the monthly payments i began it. I was told by the rep that if i paid XXXX a month i would start to see a reduction in my overall balance. It turns out that wasnt the case and instead of my total balance being deducted even by a dollar after each payment my debt only kept increasing. I then decided maybe if i paid more ( XXXX ) it would be enough to tackle the 6.125 % interest rate they have on both loans. As of now my debt is increasing and remains somewhere in XXXX even though i only make XXXX before taxes yearly. I think they purposely do this so i can pay them out the 16 years that are needed for loan forgiveness. Please help, even if there is no foul play with my account, at least for self educational purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: First Data Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received two letters from a debt collector company requesting payment for two checks supposedly written on my bank account. The checks were allegedly written on two different dates to the same retail store at different locations. According to the letters, the electronic transactions could not be completed because I stopped payment payment on these checks. These letters did not contain bank routing numbers or the name of a bank for the alleged transactions. 
I immediately contacted my bank and had my account audited and researched for these alleged checks. To date, no checks with these check numbers or amounts have been submitted to my bank for payment. No stop payment charges have been deducted from my account. 
The debt collection company said I could dispute the charges by providing personal information such as the name of my bank, bank routing number, driver 's license number, etc. 
I feel this is a fraudulent scheme to obtain my personal information for probable unlawful purposes. The accusations are unfounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I was contacted by a collection agency called, Advantage Group, XXXX, in XXXX, New Mexico. The call was in regards to what they said was XXXX outstanding debts. The first debt was from XXXX XXXX ( XXXX, NM ) for {$49.00}, for date of service on XX/XX/XXXX.The second debt was from XXXX XXXX ( XXXX, NM ) for {$45.00}, for date of service XX/XX/XXXX. I was not given any type of claim or reference number for these accounts from this collection agency. After a brief conversation with a woman at this collection agency I called my insurance company, XXXX XXXX, and the XXXX XXXX XXXX Department. After further investigation, XXXX informed me that the bill in question to XXXX XXXX was paid in full on XX/XX/XXXX, Claim # XXXX. XXXX XXXX XXXX stated my account had a zero balance and the debt had been paid on XX/XX/XXXX in the amount of {$45.00} on Acct # XXXX. I am not sure if this Advantage Group is legitimate or not, however, they certainly are living up to their name of taking advantage of unsuspecting people. I live off XXXX and a small government pension. I am appalled that this or any other company of this nature preys upon people. If it has happened to me how many others has it happened to. In spite of my health conditions, I understand how insurance works as I am retired from XXXX after nearly 40 years, of which over XXXX was served as a XXXX at the XXXX, NM XXXX XXXX XXXX. This fraud must be investigated so that others, especially the elderly, will not be taken advantage of by this or any other company of this sort in the future.

Company response to consumer: Closed
Consumer complaint received 2017-03-18
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On  XXXX   XXXX ,  2017  - I tried to open the  Citi ch ecking account with a promotion offer. Completed everything and account was opened. I provided my  XXXX  bank credentials also to deposit $  XXXX  but it did n't worked. Then i provided  XXXX  routing # and account # of my   XXXX   bank account. I was told that w ithin 2-3  business days trial debit/credit will happen. It never happened. Later I go t one e mail to send the signature card. I tried sending it by fax - fax failed on both the fax numbers.

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 2021-10-05
Company: JFQ Lending, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are completely satisfied with our current FHA mortgage. We keep receiving letters and phone calls from JFQ Lending. On several occasions over the last 4 months we asked them to remove us from their mailing and asked for the phone calls to cease and desist. The letters come in the form of official government documents. We would like assistance getting our address off their mailing list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Was looking on my report saw a bill from a collection agent knowing that I have insurance for seventeen years call up the doctor they get paid call the insurance company the said nothing was sent to them and this was from the year 2011 the company say there 're going to look in to the problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Deposited a check from XXXX XXXX on XXXX at XXXX in the amount over {$2500.00} to my Wells Fargo I used the ATM to make the deposit since the bank line was long and I 've been told I get quicker access to funds. 
The receipt advised funds would be available XXXX. 
The funds show posted to my account but the amount is not available as of today at XXXX. 
I talked to a claims adjuster for XXXX, who said the funds cleared his bank XXXX. 
Wells Fargo is saying they got a code from the FED that an item was returned earlier by Progressives bank and accordingly they have an extended hold on my funds that expires XXXX. I have spoken with Wells Fargo twice at their XXXX number and was told 1st that the funds were not available til XXXX. on the 2nd call I was told the funds were not available unitl XXXX and the expiration on the hold was XXXX. I spoke with a supervisor who said nothing could be done. Attached is a copy of the receipt from Wells Fargo when I made the deposit. I 'm stuck between XXXX who says the funds have cleared and Wells Fargo who seems to be holding the funds for no reason related to me, under the guise of " Protecting me from a fraudulent check ''. 
Please advise.

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 2017-04-04
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Again I do not have {$100000.00}. It sure looks like they are looking to forclose to. Now because this has dragged out so long and banks have all but distroyed my credit no other bank will touch me. My next plan is to sue all these banks and see how that comes out. This has been a nightmare for about 3 years, needless to say what it has done to both our health not knowing if we will have a home in the morning. I need some help please!!!! Four banks with the same results where is all the help all these politicians talk about. My name is XXXX, Conn. XXXX, XXXX It may be a nightmare reading this but living it was worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: OH
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:
My Equifax credit report has been split for more than a year. Attempts to correct the error by phone have not been successful as I can not get past their identity questions. The last time I called they asked 11 questions, most have nothing to do with the information on my report. IT SHOULD NOT BE THIS DIFFICULT TO TALK TO A CONSUMER REPORTING AGENCY VIA PHONE. The version of my report that is mailed should contain a total of 28 accounts : 20 closed & paid student loans, 4 credit cards, 3 closed paid auto loans and 1 closed gasoline account. It contains 26. The other 2 accounts are only being reported in my online MyEquifax account. This also results in XXXX never being able to verify my identity and send my report because there are two different Equifax reports. All 28 of the accounts are mine and reporting correctly. A letter to Equifax via Certified Mail dated XX/XX/2021 asking them to merge the two reports resulted in 4 of my student loans being removed as " belonging to me. '' Student loans were never part of the issue and were not mentioned in my letter. The mailed version of the report is still missing 2 accounts that have been reporting to them for more than a year. As of today, the online report shows only 3 accounts : 2 credit cards and the closed gasoline account. I am requesting your assistance in obtaining a complete report containing all 28 accounts so that my credit score accurately reflects all 28 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am on a Pay As You Earn repayment plan for my Direct Unsubsidized Stafford Loans and Direct Student Plus loans. My servicer is Fedloan Servicing ; I work for the United States Department of the the Treasury and am participating in the Public Service Loan Forgiveness program. I believe my monthly payment has been calculated based on my gross income, rather than my Adjusted Gross Income, as it should. FedLoan Servicing has been unresponsive, and I am unsure where to turn. 

I finished XXXX XXXX in XXXX XXXX with approximately {$60000.00} in federal student loans ( Direct Unsubsidized Stafford Loans and Direct Student Plus ). I immediately began working for the XXXX, and entered repayment in XXXX XXXX, following the grace period post-graduation. I asked to be placed on the plan with the lowest monthly payment, so as to maximize Public Service Loan Forgiveness ( PSLF ). Of course, I can provide more specific details, as well as the exact documentation provided to the servicer. 

I did receive a raise in XXXX XXXX, and this past XXXX ( XXXX ), my monthly payment was set to a higher amount, as I expected. However, this time around, I took a closer look at the amount specified and believed it to be too high, even accounting for the higher income level. I emailed FedLoan Servicing on XXXX/XXXX/XXXX ( I have an auto-confirmation email to document this ), and never received a response. In turn, I called and spoke with a representative Friday XXXX/XXXX/XXXX. When I explained the situation, the representative verbally confirmed the " discrepancy '' in the payment amount calculation, and notified me that I would receive a follow up in 7-10 days following a review. The representative 's name was XXXX, and her Employee ID # is XXXX. 10 days have passed, and I have not received a response. Please also consider that i originally contacted them on XXXX/XXXX/XXXX. 

Specifically, I do believe that my payment amount has been incorrect since I entered repayment ( XXXX ), and I have been required to pay more than is required under the program. I wonder if this is something you can assist with / review, and could advise me as to what my rights and options are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent in  2 no torized certified mail and still have been ignored the following information is incorrect and I did not authorize these inquiries or account (  1  )   XXXX   XXXX    XXXX  (  2  )   XXXX   XXXX    XXXX    XXXX   XXXX     XXXX  ( 3 )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  4  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( 5  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  6 )   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Professional Placement Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation