BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: Performance Settlement, LLC
State: NY
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:
Hello, I have recently learned that the company who claimed I could get my student loans forgiven from has been charging me for " re-consolidating '' my loans and doing something that my loan provider offers for free. They made it seem as if the money I was paying to them would be going towards my student loans when it was going towards the company, and I had stopped paying my student loans because I was eligible for a payment of {$0.00}.   Date of contract was  X/XX/2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XX/XX/2020 I sent letters to Equifax, XXXX and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy Court and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them on XX/XX/2020. they have also exceeded the time allotted by law to remove these items off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: NC
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:
See document attached

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 2021-03-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Notification from your company that you have entered my account number in the new address to cancel the account on the previous incorrectly opened and deleted address. At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 

Reference ID : XXXX my account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My nephew graduated in XXXX from XXXX XXXX, XXXX Graduation set for XX/XX/XXXX so we had to pay {$210.00} on XX/XX/XXXX for cap and gown, venue, and picture. 
The school postponed ceremony to XX/XX/XXXX My airline flight non refundable was scheduled for XX/XX/XXXX My XXXX expires in XXXX on XX/XX/XXXX Thus I need to leave and not attend ceremony Assumption asked me to contact credit card and get chargeback as Admin is out of office ( due to Covid ), all next semester on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced our home with Chase bank, the refinance included a pay off to XXXX XXXX  for existing loan. Chases Title company XXXX insisted on changing the name on title even with written email from me saying do not do that the name when bought the house is good we are only refinancing. This delayed signing the loan doc 's from Monday XX/XX/XXXX to Wednesday XX/XX/XXXX. On XX/XX/XXXX we got up early to meet with notary at XXXX am and that time came and went and no notary we finally got a text at XXXX saying the title company XXXX canceled the closing at XXXX pm set without notifying myself or wife or Chase bank! Finally at XXXX pm on the XXXX we signed all doc 's and closed, the doc 's state the closing should fund on XX/XX/XXXX and that day came and went and no funding it was funded on XX/XX/XXXX. XXXX collect a years of taxes from XXXX {$9400.00} and XXXX XXXX paid those taxes to XXXX on XX/XX/XXXX. I insisted all during the closing that Chase make sure XXXX is not going to pay the taxes and if they are Chase can not also charge me for them! I was told by Chase do not worry about this they would make sure that does not happen. It is exactly what happen as well at {$94.00} of a per diem charge for XXXX XXXX XXXX from XXXX? I have tried to get Chase and XXXX to correct this from XX/XX/XXXX and then it was easy fix just not send the taxes to county but refund me! and still to this date I have not gotten back correspondence from either party, accept 1 email from XXXX saying Chase did not fund them onetime so that is why this happened? What chase has done instead of taking responsibility and refunding my money and going after XXXX or XXXX XXXX they have made there negligence my problem? In my emails I included XXXX XXXX XXXX home lending officer and XXXX XXXX legal not even 1 reply?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Data and Contact Management Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
File XXXX Contacted repeatedly regarding a debt from XXXX owed by my father that died in XXXX. Have repeatedly informed them ( both on calls and with letters ) that my father never had services from XXXX. I finally demanded they furnish proof of the charges they say my father owes. They say it is on my dead father 's credit report now that he has a collection against him. When I got the proof it turns out they never even bothered to verify the name or address, but just picked my father 's name out of the blue. We provided death certificate from XXXX for the bills that were from XXXX & XXXX. And we proved by a two-minute internet search that the XXXX XXXX they wanted was really XXXX XXXX XXXX at the address in XXXX on the bills they sent, not my father who lived in XXXX, Ohio and never XXXX. And XXXX XXXX XXXX is not the same as XXXX XXXX XXXX. All of this was provided multiple times and yet they still continue to send me demand letters. They deserve to be put out of business. My time and money should not have to be wasted because they are XXXX. I have asked my personal attorney to draw up a lawsuit for harassment and aggravation, but I would prefer the CFPB put them out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-29
Company: McCarthy, Burgess & Wolff, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recieved calls from McCarthy Burgess & Wolff. 
Attempted to collect debt - XXXX. 
Sent mail asking for verification / validation - No reply. 
Recieved follow up texts- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Called the office - respondents refused to identify themselves- had to ask several times. 
Calls placed on hold - no responses- or just hung up... 
This is not a valid debt- per acknowledgement of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/2021 I sent a letter pointing to inaccurate and false and accounts reporting on my credit report. It has been 60 plus days and nobody has yet to respond to my disputes on the matter. According FCRA 15u.s.c. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 u.s.c. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ) and caused me stressed and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX Data Breach or I will file for litigation.

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 2019-03-29
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I only have Social Security Benefits and in XX/XX/XXXX I applied for a Loan Modification on my home, because I had to resign from my job due to health reasons, caused by stress with my employer ( XX/XX/XXXX ). I have been looking for work everyday. Only make enough doing XXXX XXXX, so I can survive. I received a letter dated a letter dated XX/XX/XXXX offering me a Trial Payment Plan, commencing from XX/XX/XXXX thru XX/XX/XXXX. 
I accepted their offer and signed the Letter-Trial Payment Plan Offer and mailed to them on XX/XX/XXXX. My first payment for XX/XX/XXXX was made within the terms, by XX/XX/XXXX. The XX/XX/XXXX was also made by XX/XX/XXXX. 
I received a letter from Caliber Home Loans asking me to sign a Title Subordination Form and mail or EMAIL to them with 30 days. I in fact emailed the signed form on XXXX, to the email address provided in my letter. I received no other correspondence, stating they did receive the Signed Title Subordination Form. On XX/XX/XXXX I called to make my last Trial Payment and was told that my LOAN MODIFICATION was closed. I asked the SPOC employee why the Loan Modification was closed and when was that decision made. He told me that it was closed on XX/XX/XXXX, because they did not receive the signed Title Subordination FORM in time. 
I called their office again the next Monday, XX/XX/XXXX and was told that they did not receive the FORM until XX/XX/XXXX I asked where was my signed form from XX/XX/XXXX until XX/XX/XXXX. She could not tell me. XX/XX/XXXX happened to be 31 days after my letter dated XX/XX/XXXX, stated that they have to receive the signed Title Subordination FORM within THIRTY DAYS ( 30 days )??? All I was told was that my Trial Period was over and I would to reapply again for another Loan Modification, which I did on XX/XX/XXXX. Received all of my paperwork and TODAY-XX/XX/XXXX received a Letter dated XX/XX/XXXX from  Caliber Home Loans, they denied my Loan Modification. They will start Foreclosure process if I do not bring my Mortgage Loan Current or I CAN APPEAL their decision, which I intend to do immediately. I am also contacting a HUD Approved Counseling Service on Monday XX/XX/XXXX to get some help, I PRAY to stop any Foreclosure procedures. I have only been able to work doing food delivery at almost XXXX years old and struggling to HOLD to my HOUSE. I got behind in XX/XX/XXXX. I did receive a loan modification in XX/XX/XXXX after my son passed away on XX/XX/XXXX and I was his only caregiver and he had not income and was waiting on SS   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-19
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I opened a Savings account with XXXXXXXX XXXX XXXX adding to the Checking account I have held with them since XXXX Without warning or clear explanation, my Savings account was locked and access to my funds restricted. 

Despite my proactive efforts to resolve this situation, including reaching out to customer service on XXXX  the bank has failed to provide a valid reason for these actions. Instead, I was informed that the review process could extend to a period of between 15 to 30 business days. Additionally, I was told it could take up to 7 business days to receive a letter providing further information regarding the review of my account. 

This unexpected restriction has put me in a precarious financial position. The inability to access my own funds for such an extended period is disruptive to my financial planning. The limited information and inadequate assistance from the bank further exacerbate the situation. The timelines given for both the review process and subsequent communication appear excessively long, contributing to unnecessary hardship for me as a customer. 

I hereby request the intervention of the Consumer Financial Protection Bureau in this matter. I hope your involvement will expedite the review process and ensure that my rights as a consumer are upheld. I eagerly anticipate a swift and favorable resolution to this issue. 

My aim in submitting this complaint is not only to seek resolution for my situation but also to contribute to the prevention of similar incidents in the future. It is essential that our banking system operate in a manner that is customer-friendly, transparent, and fair. 

Thank you for your attention and support in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Professional Credit Management, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hey, I am XXXX years old and I have a collection from Professional Credit MA located in XXXX, AR for the amount of {$160.00} that is reporting illegally on my credit. I was not old enough to have signed a contract, at that time I was 14 years old and right now it is hindering me from moving forward in my life while I'm trying to establish my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: JPMORGAN CHASE & CO.
State: MI
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:
There was an unauthorized credit pull from XXXX XXXX that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with XXXX XXXX, Chase and XXXX XXXX was pulled fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The credit company called net spend will mail you a actual debit card and will and when you try to cancel it they ask for your social and after that is entered they say no account is linked to the account and ask you activate their card

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 2021-06-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent account and inquiry listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EdFinancial Services
State: CO
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:
The company is my current student loan servicer EdFinancial. Here is the most recent email I sent to them ( no reply ), after waiting 4+ hours on hold following another 90min wait where they hung up on me today ( XX/XX/XXXX ) : I called your help line on Friday XXXX to discuss the illegally high IDR amount ( $ XXXX ) you had auto-enrolled me in, as well as to figure out why my account showed a past due amount of {$750.00}. I left my info for a call-back at XXXX XXXX. I received a call from XXXX at XXXX XXXX Monday, XXXX. She agreed the IDR was too high, and I expressed I wanted to opt for the Extended Graduated Repayment plan, for which I know I qualify per the student aid site. She placed me on hold several times to figure out what the past due {$750.00} referred to, before eventually conceding she had no idea. 

When I asked for confirmation in writing that my plan should update to reflect the correct EGRP amount due, and would remove the unknown {$750.00} past due charge, XXXX assured me it would reflect on my account shortly. When I asked what I should do if I approached the XX/XX/XXXX auto-pay date without corrected statements showing, she said I should turn off auto-pay, as { you } can go up to 2 months delinquent before it gets reported to credit agencies. I expressed that seemed legally and financially dubious as a suggested solution, she swore it shouldnt take that long to update me account. 

When it still showed the wrong amount due + the errant {$750.00} past due as of XX/XX/XXXX, I canceled the auto-pay and attempted to call the help line again ( signed up for call-back & never received one ). 

Since my credit score is showing dinged with a delinquent payment on XX/XX/XXXX, I called again to sort it out, as my account is still not corrected, still shows {$750.00} + {$2800.00} past due from XX/XX/XXXX and another {$2800.00} upcoming due for XX/XX/XXXX. 

I would like to confirm 1 ) I am enrolled in the Extended Graduated Repayment plan ( $ XXXX ), 2 ) The {$750.00} past due amount is either pulled from my record, or written justification for it is given to me, and 3 ) That the missed payment your representative told me to cancel payment on is removed from my account as a delinquent amount & is not reported to credit agencies as if I chose to avoid a legitimate payment ( which your own representative said this was not ).

Company response to consumer: Untimely response
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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