BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After multiple calls over many weeks, Carrington Mortgage Services has yet to transfer my account over to the permanent loan modification that was fully executed on XX/XX/XXXX ( I have the hard copy that was notarized by Carrington as executed ). 

It states that as of XX/XX/XXXX, my balance would be {$100000.00} which includes the {$3600.00} not paid during my forebearance period. My new interest rate should be 2.7500 %. 

I entered forebearance in XXXX of XXXX. 

Since that time, I have made the following payments : {$970.00} on XX/XX/XXXX via phone {$970.00} on XX/XX/XXXX via phone A second payment of {$970.00} via phone on XX/XX/XXXX Once offered a trial modification, I made the following payments in accordance with the trial modification offer : {$950.00} on XX/XX/XXXX via phone {$950.00} on XX/XX/XXXX via phone {$950.00} on XX/XX/XXXX via phone I have also made the following payments : {$990.00} on XX/XX/XXXX via the Carrington website {$930.00} ( my new monthly payment per Carrington for the permanent modification ) on XX/XX/XXXX via phone {$930.00} via phone The dates on the loan modification documents don't line up as my first set of documents did not pass Quality Control ( Carrington stated the notary stamp was blurry ). 

I have called and called, been transferred to different departments ( some who state that they can't even see my payments that I have made ), told I will need to make my trial payments ( which I have - and for which they have documentation ). I have been spoken to as if I am clueless about the process and my part in it. One recent representative didn't believe that I had the permanent loan modification documents in hand that had been executed and notarized by Carrington. 

My most recent statement shows a number of adjustments that don't reflect the payments I have made. I addition, most of the payments I have made are sitting in a suspense account, not applied to the balance of my mortgage, and the escrow portions have not been applied to my escrow account. 

I am asking for assistance from your agency as I have had made no progress communicating directly with Carrington. In fact, it is getting worse. Whereas my mortgage statement dated XX/XX/XXXX shows my escrow account at - {$1800.00}, today my online account shows it as - {$2400.00}. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2021-10-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Crate and XXXX/Synchrony Bank offers customers the option to get reward points or deferred interest on qualified purchases made using the XXXX XXXX. Purchases made under the deferred interest option are purportedly tracked under the cardholder 's " promotional '' balance. Those made under the rewards program are tracked under " non-promotional '' balance. Unfortunately, it seems like the company lacks the necessary computer systems to keep track of " promotional '' balances separately from " non-promotional '' balances, leading to incorrect interest charges on customer accounts. My experience is summarized below. 

On XX/XX/XXXX, I made a couch purchase using the deferred interest option totaling {$3400.00}. The company reported my " promotional '' balance as {$3400.00} on this date. 

Subsequently, on XX/XX/XXXX, I placed another order totaling {$870.00} using the XXXX credit card. I chose not to use the deferred interest option with this purchase. Because the company could not fulfill the order on a timely basis, I cancelled this order after few days. Accordingly, I received a credit of of {$870.00} on XX/XX/XXXX. Based on my conversation with the company 's representative, this {$870.00} credit was going to be applied against the original charge. I thought my " non-promotional '' balance was effectively {$0.00}. But this turned out not be the case. Instead of applying the {$870.00} credit to offset the original " non-promotional '' charge, the company 's systems applied it to my " promotional '' balance which is not subject to interest in the near term. Consequently, I was charged interest for carrying an average " non-promotional '' balance of ~ {$800.00} for about a month. I found this out when I read my statement. Today ( XX/XX/XXXX ), I spent over an hour with three of the company 's representatives to figure out what went on. I was told that this issue would be reviewed and that I would get an answer within two billing cycles. I was told that to avoid further interest charges, I need to pay off the incorrect " non-promotional ' balance by the current month 's due date. Effectively, the company is forcing me to pay undue interest and pay off part of my " promotional '' balance which I supposedly don't need to pay off until 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 monetary relief
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: AL
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A company is required to report accurate information on a consumer report. XXXX XXXX XXXX is using Coercion to try an make me pay for a debt not owed. They have reported false information on my consumer report without my consent or permission. I here by OPT-OUT of any assumed or presumed consent to share my nonpublic private information with 3rd party non affiliates. Any further reporting on my consumer repost will be a violation of Regulation P of the Code of Federal Regulation.

The original Creditor deals in securities and has failed to credit my account for the dividends made off the securities they hold in my name. This debt has been discharged in accords with the Securities Exchange Act and the Uniform Commercial Code.

Diversified has 15 days to remove this inaccurate information from my consumer report or Form 211 will be filed to have the account audited and a form complaint will be made with the Securities Exchange Commission. My private information is copyrighted and you are infringing by using my information in Commerce in and attempt to profit off it's use. I will be filling a Federal Copry Right Law suit against your company also.

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 2023-09-14
Company: EdFinancial Services
State: MI
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/23 my husband applied for a loan consolidation, and a IDR. Im student aid.gov. They are still showing in review yet. They have already been consolidated to the new lender, which is ED financial. The IDR is also showing still in review it is affecting our mortgage and our family could end up homeless unless Ed financial gets this fixed. I have tried to contact ED financial on several occasions and on XXXX occasion it said XXXX minute wait time and I waited XXXX hours on hold and no one answered the call. Another time it said XXXX minutes wait time and no one answered the call. I sent an email and no response, the chat never works it always says no one available goodby. I was told by student aid. Gov the only way to get this resolved is to get a hold of the lender yet there is no way to get a hold of ED financial I have even tried social media pages to see if I can get them to respond. XXXX suggestion the federal aid.gov had after talking to multiple people was maybe try to file a new IDR. For XXXX we dont have the time to wait for a new one to be processed since we have been waiting for months for the other one to process literally we are within days of our mortgage being rejected and out on the streets, not only that we can not file XXXX while XXXX is still being processed. I dont understand why someone cant just help us. Why would the government allow a lender that is unreachable?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

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 2022-02-01
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is attempting to collect through I.C. Systems. This is not mine. We have not had any services from XXXX XXXX. I use satellite for TV and Fiber for internet. I do not know what this debit is for or when it originated. I have received no communication from XXXX in regard to this debt. The first I have heard about this is a notification from XXXX that someone was attempting to collect a debt. I do not miss payments for anything. My payment history is perfect.

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 2022-06-21
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 XXXX 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 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 2023-07-10
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My 2 years lease was end on XXXX, 2023 and I extended the lease for another 6 months. My payoff amount in XXXX was {$29.00} Now, I called to Ally bank, asking how much is my payoff amount as of today. They gave me the same amount as 6 months ago. On my question how it's possible, they said it was courtesy of the bank. So, I used the car extra 6 months, got more miles, paid almost {$2300.00} and price stayed the same. 
Is it legal, I think this is consumer ripe off Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, I paid UNITED WHOLESALE MORTGAGE {$2500.00} for an additional Principal Payment. On XXXX, The XXXX XXXX XXXX took 3-payments of {$2500.00} XXXX {$7500.00} XXXX from my account instead. 

Additionally, there are 5-payments of {$2500.00} Pending for XXXX {$12000.00} XXXX These Criminals are stealing {$17000.00} from my bank account. 

I want XXXX  charges against XXXX XXXX, XXXX XXXX XXXX This is a money grab that affects over 1 million people according to the XXXX at United WholeSale Mortgage, XXXX XXXX XXXX. These are crooks of the highest order. They have been informed I will not be making another payment except to pay off the mortgage. I want my money back and my pay statement immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Noticed there was a forged check that someone used mobile deposit to withdraw {$1500.00} on XX/XX/2022 around XXXX PM~. 

Called VyStar to start process of forgery. Paperwork was done incorrectly, was also told I need to go in on Saturday XX/XX/XXXX to sign paperwork for forgery. 

Signed paperwork for FRAUD, which was not the correct paperwork. 

Called throughout the week of XXXX XXXX multiple times per day. Spoke to different agents each time. Every single one said they would call me back with an update. I never received an update. 

On XX/XX/XXXX, a phone rep. finally told me that my paperwork wasn't done correctly and that I would have to go into the bank AGAIN to sign the correct paperwork. 

Called police and filed a police report about the incident as of XX/XX/XXXX evening. 

Went in on XX/XX/XXXX. Signed proper documents. Vystar Manager tells me " Yeah my notary expired HAHA so we'll have to do it Monday, sorry! ". 

Called the XXXX XXXX location on XX/XX/XXXX 6 times with no answer/call back. Unable to confirm if my paperwork has been submitted. 

Called general help line XX/XX/XXXX, 3 times. Hung up on after holding for XXXX minutes. Finally waited XXXX hours to be told the paperwork has yet to be submitted for forgery. Vystar rep said he would call me back later today with an update after not being able to contact anyone at the XXXX XXXX location.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan servicer was Fedloan Servicing. I had Fedloan Servcing set up as the bill payee for my student loan through my bank pre pandemic. I stopped paying my loan during pandemic and didn't update my bill payee to XXXX, which became my new loan servicer after Fedloan Servicing shutdown. I made a {$200.00} payment to Fedloan Servicing on XX/XX/XXXX  in error. The {$200.00} was somehow accepted even though Fedloan Servicing no longer exists. I've contacted XXXX and my bank, neither can do anything to get my money refunded. I'm not sure what to do as Fedloan Servicing customer service no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Received an invoice to pay for bicycle repairs through paypal. They use a deceptive user interface to induce account creation while hiding the ability to perform a guest transaction. They subsequently demanded copies of social security and driver 's license to process the credit card payment. I made credit card payment to the vendor through other means. Paypal refuses to " close '' the " account '' without providing social security and driver 's license information even though it was created in error on the same day and has never sent or received any transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended XXXX XXXX during XXXX. I received a Pell grant and student loans to pay for my tuition, books, fees, etc. My last completed semester was fall of XXXX. I enrolled in the winter XXXX semester approximately XX/XX/XXXX. The courses began XX/XX/XXXX. I became XXXX with XXXX  symptoms at that time and was not well enough to start the course. I dropped the classes on XX/XX/XXXX the day classes started to avoid any impending charges to occur. The school has a policy to drop within a specific period without penalty or having a W for withdrawal on your transcript. I dropped the classes in the allotted time frame. Several weeks went by and there was a hold on my account stating I owed the school {$1000.00} for dropping the courses and a book fee. The Federal Pell grant paid for my courses which is free and does not have to be paid back. However, the school states I owe them because they paid my refund that was left over from my Pell grant. I am trying to receive my transcript and the school refuses to issue me a Official transcript with the seal on it until I pay them the money they say I owe them. I talked to Federal student aid and they say I do not have an overpayment listed in their database and as per the federal student aid agency I do not owe anything. I also was told by the federal student aid agency that a law was passed in XX/XX/XXXX that it is illegal for colleges to hold transcripts because of student loan. I did not have a personal loan with the school I had a grant. Since then the school has written the debt off and now it is with a collection agency. The collection is Merchants & Medical Collections XXXX XXXX XXXX XXXX, Michigan XXXX phone XXXX ( XXXX ) XXXX. I was told that I do not have a debt with the collection agency. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX phone XXXX ( XXXX ) XXXX. I did not agree for the creditor to sell the debt the claim I owe to a third party. I was informed the collection company does not have a right to collect nor did I give verbal consent. I need my Official transcript with the seal to transfer to a university.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Mortgage XXXX Acct # XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

16 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take any consumer report containing the following items of information, other than records of convictions of crimes which indicates the report by more than 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: EQUIFAX, INC.
State: NV
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:
Equifax has accounts that are over 9 yrs old on my credit I been disputing them and equifax does not do anything just leaves them on understand investigation and its been 90 days equifax needs to take these off of my credit if the companies dont respond its well pass the time frame to respond and to be on my credit

Company response to consumer: Closed with explanation