BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Good evening- my information was transfered from XXXX XXXX, and is showing in the Mohela site. I had a few issues XXXX XXXX was helping me with along with the ombudsmen team at student aid. My issue is, data is missing from my count, years are missing ( XXXX ) and there are also gaps within the subsequent years. ( post consolidation ) Also, some forbearance was accounted and others not during the PSLF waiver. I was waiting for the fall for the rules of the IDR waiver to apply and all the forbearance/deferment would count. I have sent mohela, emails for assistance with no luck. Cant get a live person on the phone. During those years my servicers was XXXX XXXX. I am not even sure if the DOE had done their final review. Can someone please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-09-08
Company: EdFinancial Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently serving with XXXX as a public health service worker. Onc of the benefits is pausing my student loans while in service. I have applied for this service and they denied stating I am still in school but I am receiving billing statement regardless. My graduate program will resume in XX/XX/2024, but I should not be receiving a bill since I am doing XXXX work. I have phoned Edfinancial on numerous occasions waiting on hold for literally XXXX hours at a time. I have also emailed Edfinancial without any response. I have read numerous reporting errors with this company in addition to their noncompliance and poor/non-existent customer service. I need assistance in trying to navigate this company.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-09
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Got an email saying I had opened a Target XXXX XXXX. 

Also got a notification from my bank regarding a hard credit pull on my account from XXXX  XXXX XXXX. 

Got an email saying I was approved for credit card at XX/XX/2022 at XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife earlier this year after the birth of our XXXX daughter and things have been really tough for me and my girls and to find out I have this now on my list is really heart breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I XXXX XXXX the president of XXXX XXXX diposited in my chase bank account {$100000.00}/ also recieved a zelle of {$30000.00} also diposited {$200.00} / chase closed the account for two months and the hold the money and not gave my back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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:
On XXXX a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017, I went to the XXXX XXXX XXXX XXXX XXXX Hospital in XXXX. I provided them my insurance information from XXXX XXXX XXXX XXXX XXXX XXXX ( we had just moved and our insurance was still active ). We paid the co-pay of {$250.00} and they billed insurance for the rest of the amount. 

The original total was {$1300.00}. 

For some reason, the insurance payment did not go through due to a coding error. XXXX XXXX XXXX XXXX XXXX resubmitted it, but before the payment was received by them from insurance, they had sold the debt to a collection agency. When it originally went on my credit report in 2017, I called them and they removed it from the collection agency ( it was too long ago for me to remember which one it was called ), and that collection agency removed it from all credit reports including XXXX, XXXX and XXXX. 

In early XXXX, I noticed on XXXX XXXX that I had a new collections added to my account and I saw it was for Sequoia Concepts Inc. I never recieved anything via USPS ( mail ), email, or a phone call to inform me of this debt being collected. They put it on my credit report before I had a chance to refute it with them and work it out on a three-way call with the hospital. 

When I called Sequoia Concepts INC and asked for them to send me proof of debt, while refuting it with them and doing a three-way call between them and the hospital, they told the hospital and myself they could not send a letter of proof, but that the debt had been sold to them and accrued over four years of interest on it, now making the balance {$1900.00}. They said my only option to get it removed from my credit report was to pay it in full. They refused to send proof, or agree to remove it at the request of the hospital. 

I have tried to dispute this with XXXX but they wanted me to file with the CFPB first because Sequoia Concepts INC just tell them it's valid. I'm left with no other option than to try to see if you guys can help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Navient Solutions, LLC.
State: NJ
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:
My student loan is serviced with Navient. I applied in XX/XX/2018 to get my student loan forgiven through the XXXX  loan forgiveness program that requirs 5 continuous years XXXX  in a XXXX XXXX XXXX XXXX. I have met all the requirements, filled out a completed and correct application and submitted it the application in XX/XX/2018. The application was processed and submitted for approval and forgiveness. During this process, the loan was placed in forbearance. On XX/XX/2018, I received an email from Navient stating I must complete a new student loan forgiveness application since the address of the XXXX  is missing in section five of the application. That information from Navient is incorrect. The application and all pertinent information was completed, accurate, and submitted in XX/XX/2018. They accepted the application as complete since all infotmation was correct and completed on the application. This process has caused undue stress, XXXX, and worry. It has delayed me the opportunity to buy a house, start a family, and get married.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX ) Opened XXXX 's store credit card with Comenity in order to receive discount. Total purchase and total charge {$20.00}. 
XXXX ) Paid {$20.00} in full XX/XX/XXXX and it posted XX/XX/XXXX. 
XXXX ) XX/XX/XXXX Received confusing statement showing charge {$20.00}, payment {$20.00} and yet still had a balance {$20.00}. 
XXXX ) XX/XX/XXXX called about confusing statement received. Call reference # XXXX. Customer service person confirmed I had already paid in full on XX/XX/XXXX or XX/XX/XXXX and had a XXXX balance and no further payments were owed. 
XXXX ) Made no further purchases on account. 
XXXX ) XX/XX/XXXX Received another confusing statement showing a previous balance of {$20.00}. {$22.00} in fees charged and a {$42.00} balance. 
XXXX ) XX/XX/XXXX called customer service - call reference # XXXX. 
XXXX ) Customer service representative apologized for the " inconvenience '' of the errors on the account and for not being able to correct anything except for a {$2.00} minimum interest charge. 
XXXX ) XX/XX/XXXX customer service representative informed me that during the earlier call # XXXX, on XX/XX/XXXX, there was action taken by the Comenity rep : the rep credited a {$20.00} late fee ( this was not disclosed to me at the time ). 
XXXX ) XX/XX/XXXX call with rep also informed me the earlier XX/XX/XXXX call rep was aware of an additional late fee of {$20.00} and interest charged on my account that was posted XX/XX/XXXX, before I called to confirm on time payment had already taken place and I owed XXXX. The first Comenity rep did not mention this nor inform me. And simply told me I already paid on time, owed XXXX and owed nothing more, it was corrected. 
XXXX ) Rep explained she could not credit / correct the account to XXXX  because of their " XXXX credit per every 18 months rule ). She escalated the issue XXXX  with no resolve. The " team '' would not correct the issue. 
XXXX ) I explained I would be reporting the fraud/theft. 
XXXX ) I was forced to donate {$19.00} from my checking account on XXXX to attempt to stop this bank from stealing more money from me. 
XXXX ) Rep said my over-the-phone payment of {$19.00} would post within a XXXX hour window. She could not confirm if I would be charged any additional fees/interest within that XXXX hour window ( she may have said I would not be charge, but at this point I don't believe anything they say ). 
XXXX ) I am unaware if my credit score has been affected negatively or not from this encounter of fake and fraudulent fees and interest charges. 

Happy to provide additional information as needed. Expecting to get my money back. Realize I will NOT get my time/stress restored. 

Please take all necessary measures to ensure this does not happen to others. According to social media, this happens all the time to others now. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: AR
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 recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information : XXXX XXXX XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Premier Auto Credit
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are trying to collect a debt from somebody else that gave my phone number from what I gather. They don't stop calling. I do not know the person that they are trying to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got a loan from tower loan put my car up for collateral. I set up payment as automatic bill. First payment came due XX/XX/2017 I waited a week then called them to find out why they had not taken the payment. I was told I would have to come into the office and I said it was automatic bill pay and they said they would take care of it. Another week went bye and still no payment came out called back and they need checking account # because they shredded it so two days later I called back for to give them checking account info. One week later still no payment came out. Called back and heard I would have to come in office and fill out another form. No problem did that couple of months went by bank rejected a payment called them and took care of it. 4 months went bye same thing happened when I tried to take care of it they said if it happened again I could no longer use auto pay fine I had them cancelled it so I could use my debit card on Friday to pay them. On Friday I called to make payment and they said I couldn't do that that I would have to come into the office I was in Pennsylvania no way so contacted their home office in Mississippi so I could pay bye debit card or online he said he would take care and he would call me back never did I called him and he said everything was taking care of. In the meantime XXXX was calling my job for me to call. At this point I'm irate to say the least. I go online to pay bill and I still can't pay it. So I call their management again and I here cash or money order so he asked me when I would be home I told him end of XX/XX/XXXX not good enough. So I asked what was next they repossess my car I hear no they didn't want the car they would abartrait and I said OK and hung up. So I called my attorney to find out if I could legally consolidate them so thats what I did. Today I was served papers that their sueing me and I have to appear in court after excepting to negotiate with dept 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 2023-05-31
Company: SW Linear Investment Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased the car with a XXXX down payment, I was not aware that it was balloon payments. I have already paid in about XXXX dollars into a car that is only worth about XXXX dollars because my interest rate is 22.03 % I am honestly drowning because of ridiculous monthly payment of XXXX and am nowhere close to being down paying this car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I applied to open a checking and savings account with JP Morgan Chase to which I was approved. I made a deposit to my checking account because disclosure stated I needed to make a deposit within a specified time to which I did. I used my account accordingly and was in the process of setting up my direct deposit with my employer. On XX/XX/2019 my fiance attempted to send money to me via a feature called XXXX however the payment she tried to send did not go through. Upon realizing this I called Chase to find out that my account was in the process of being closed. I asked why this was happening and three different representatives stated that chase chose not to do business with me and this is forever. I can never have a chase account as long as I live. They did not give me a reason or anything, the representatives stated that " it is what it is '' and according to the disclosures chase sent they are able to close an account without reason. MY complaint is that if this was the case why did the compliance allow me to open my account in the first place. I did not overdraft my account nor did I have a chance to even have my direct deposit to be deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive never had a XXXX XXXX XXXX and Ive always wanted one. I didnt recieve goods or services from my credit account listed I unauthorized these avctivitys and didnt apply for this or agree to give autherised permission for my credit history. Please erase these fraud credit charges and account charge offs collected for {$610.00} im trying to apply for a target red card its a emergency if you let me get a red card I wsnt a target visa credit card to use for life I want to switch to target visa credit card instead of XXXX XXXX I get XXXX XXXX need a ballance transfer to my social security number is XXXX caid # is XXXX birth place is XXXX, ca XXXX madam name is XXXX my address is XXXX XXXX XXXX XXXX ca ( XXXX XXXX is XXXX zip code is XXXX ) I make XXXX XXXX dollars each year and I also want a I phone XXXX XXXX XXXX XXXX XXXX XXXX buy my assessors on my own thanks Ill be XXXX  after then thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started with XXXX XXXX from XXXX XXXX who pre-approved me for a VA loan after he ran my credit and took all my information including my income, etc. and said he could do a VA loan for me up {$160000.00}. This was in XXXX of 2018. On XX/XX/2018, I found a brand new home for myself and my family and I signed a contract. We were to close on the home XX/XX/2018. Mr. XXXX assured us this loan would go through and everything was on track but as the days passed there was little to no contact from him.I began to get more and more weary of him especially when I was getting paperwork from Carrington Mortgage. It had looked liked he brought it another mortgage company without me being aware of this. I still was not able to get in touch with him nor was my realtor or the title company.But I was signing all paperwork that I was sent and giving all the necessary information needed to proceed with the loan. Then when I finally did hear from Mr. XXXX, he told me that the loan was to be postponed to XX/XX/18 because he had not ordered the VA appraisal yet. Our realtor, the builder, the title ; company was all waiting for Mr. XXXX to order the appraisal and give final approval of out loan so that the final closing date of XX/XX/2018 could be set and then the call came in to our realtor NOT to us that our loan was in fact denied. NO explanation was ever given to anyone especially us and we were never called, never sent a letter or anything!! Never use XXXX XXXX or Carrington Mortgate. EVER. Now weeks before XXXX my family was all packed up with no home to go to.

Company response to consumer: Closed with explanation