BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX / TransUnion did not fix my child support reporting on my report. I send them proof three or four times and they were legit a FAMILY court order XXXX XXXX  XXXX child support worker Revolution.Letter. The judge ruled on XX/XX/2022 starting on XX/XX/XXXX. I will pay the mother directly and not through the child support unit case XXXX. but department of child.support was my account {$110.00} XXXX XXXX XXXX and finally they corrected it. give me credit to a zero balance and they close my account. The credit bureaus did not correct my account and hes doing a lot of damage. On my credit report it tells me its still open and it was late in XX/XX/2022 that is not correct and this needs to be corrected or delete the whole child support account because its close now. this is causing me a lot of headache and it seems they are not working with me on this issue.

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 2022-04-10
Company: Rocket Mortgage, LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I went through Rocket Mortgage to refinance my home loan. I informed them that I had to close In certain amount of time they said it would happen because I had to return to XXXX, XXXX. When it came time to close they rescheduled XXXX different times and acted like I wasnt leaving saying they didnt know. They then had me get a POA for my wife which I paid for and then their legal team said it wouldnt work. Then they scheduled and changed closing about 5 times after they argued with me and my wife saying that the paperwork would get to XXXX in 5 days well its been over XXXX weeks and they keep changing my pay out and interest rates and have already cost me money trying to get through this whole process I just feel they are incompetent and have know idea how to do things for a military member or Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: AES/PHEAA
State: OH
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:
Currently I'm with XXXX XXXX  XXXX for Student Debt Relief Program. From my understanding the school I was attending XXXXXXXX XXXX XXXX XXXX and they closed down during the time I was starting my XXXX XXXX XXXX in XX/XX/XXXX. I was to start on XX/XX/2015. Wouldn't I be eligible for Closed School Discharge? I wanted to enroll in another school after they closed and my credits didn't transfer. Honestly I feel I was defrauded into the debt. False job placement and online certificate class. They closed down and I wasn't able to finish my educational program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have 2 collection accounts with National Credit System, which was placed by XXXX XXXX. 
First account is for {$2500.00}, and the date of last payment was XX/XX/XXXX. However, they are claiming the date of last payment is XX/XX/XXXX. This is incorrect. Also, they are reporting that the date of first delinquency is XX/XX/XXXX, it should be XX/XX/XXXX. 
The second account is for {$500.00}, and they are saying I never paid it when I provided a ledger of all activity while I lived at XXXX. I had to pay {$500.00} for a sure deposit before I could move in, and it is on the ledger that I paid the {$500.00} on XX/XX/XXXX. I have submitted numerous disputes with XXXX, and I provided the ledger with all information w my disputes. 
XXXX  keeps coming back that they contacted National Credit Systems, and XXXX  will not remove the 2 collection accounts when I am providing them with the information of my ledger and all payment activity. XXXX   keeps saying that National Credit Systems is providing them with the information that the data they have is correct, and it isnt correct! XXXX   will not use the ledger I am providing to them, and they are going with what National Credit Systems says. 
I would like to file formal complaints against XXXX  for not using the ledger that shows the actual information, and I would like to file formal complaints against National Credit Systems for the 2 collection accounts that they are saying I owe with false date of first delinquency dates along with last payment made as false. 
Im providing the actual information, and XXXX  wont do anything to correct/delete the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CCS Financial Services, Inc.
State: KY
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:
I have two debts that appear on my credit reports from credit collection svcs one for XXXX for XXXX XXXX and another for XXXX from XXXX. I have sent the company over and over my court paperwork and police report which clearly state these are not mine and I am a victim of identity theft. They instead sent back false paperwork with my wrong name and address that was dated 3 years after the debt took place. They are intentionally trying to collect an illegal debt and ruing my credit history.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the company unable to speak with a live person but I am at the end of fixing my credit got everything off that wasnt mine and paid everything that was mine there was 1 thing left on Equifax submitted a dispute because because the collection Did not belong to me and my score dropped 54  points and I am in the middle of trying to buy a house I am very upset because this sets me back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NV
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:
NAME : XXXX XXXX. 
ALIAS : XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- Experian continues reporting 30 days late for XX/XX/2016. 
A ) Attachment XXXX shows due date as the XXXX. 
B ) Attachment XXXX is the bank statement showing timely payment on XXXXXXXX

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 2023-02-28
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was in a US bank today to open an account myself I told to the lady that I want to open account and she said ok go and seat down I was waiting patiently because she was doing something on her computer after that she assess drop off a deposit and is still waiting for one another lady came out said wait and we will be with you so I'm still waiting for nobody else inside except me I'm just seating there if there is no drop-off deposit they working something inside the teller office then there is a woman came inside and they assess here I was thought maybe after this lady they will assess me then but I'm wrong because they do another thing again I feel I'm discriminate me because I am a XXXX, but I'm US CITIZEN ALREADY then I decide to leave because nobody want to assess me to open my account and when I leave nobody says anything US BAND IN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Evergreen Recovery 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:
AFFIDAVIT : VERIFICATION OF DEBT 1. That I have the requisite knowledge of the facts regarding [ name of bank ] Account Number ENHANCED RECOVERY # XXXX including the credit card agreement, account ledgers, and bookkeeping entries ; is my experience that ENHANCED RECOVERY does not follow Generally Accepted Accounting Principles ( GAAP ) or the Federal Reserve Banks policies and procedures, and did not create credits from the Contract holder signed receipts, promises to pay, notes, or other instruments ; all material facts and terms and conditions regarding the alleged account, have been disclosed to the contract holder in the purchase agreement and promissory note. I request real proof that ENHANCED RECOVERY is the legit holder of a contract that can enforce a claim upon my person. 
.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : I initiated disputes in XXXX of XXXX, and followed up with the disputing process beginning XX/XX/XXXX. Since XX/XX/XXXX, I have asked the credit bureau, Experian, to assist with getting these items from XXXX XXXX XXXX and XXXX removed from my credit report due to it being an error, the collection agency for verification and validation of the debt, and another request to the credit bureau requesting a re-investigation with the provided documentation that the collection agency failed to verify and validate this debt. 

My consumer reports shows that there is a fraud alert on my files due to information that isn't mine and accounts showing up on my report that did not belong to me, but because of similar names and state of residences, their information was intertwined with mine through the collection process of " skip tracing ''.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.

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 2022-10-20
Company: Jon Barry and Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the hospital in XXXXXXXX XXXX 2021, XXXX XXXX XXXX XXXX. The only bill I received was for {$1100.00} and I paid online but most was paid my insurance. I never received a bill for XXXX , until a collection noticed came and I called and disputed and never heard from them again. Then it hit collection without notice and Ive been harassed by collection since it has hit, but Ive explained and sent this information I have in and still it sits in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CITIBANK, N.A.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
To whom this may concern, On XX/XX/XXXX I reached out to Customer Service of Citigroup to ask for a refund of overpayment during XXXX. I was told I needed to show proof of bank statements. However, I did not have that kind of proof since the bank account where the automatic payments were made had been closed and thus I had no access to electronic bank statements to show these transactions and even less the paper records. 

On XX/XX/XXXX I reached customer service from Citibank again since I found records of such extra payments through my annual credit report and a letter I received ( for tax purposes ) regarding the payments made during XXXX and that should be refunded since the loan had been forgiven. I have been receiving ambiguous responses from customer service that lead me to believe they just want me to drop the topic. 

On XX/XX/XXXX I placed a complaint about this issue. On XX/XX/XXXX, I received a notice ( attached ) letting me know my name was not listed in the loan account and so I am submitting this new complaint with more verification documents hoping this time I can get the refund I have been requesting for many months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This bank treats me horribke with my application first the verification process is so long I was approved for my macys XXXX account but they wont send me my card they refuse they cant even find an account in store. Or when I call them to request my card so frustrating and what do I do if no one can find my account how do I use it this is so unfair Im also XXXX and feel discriminated against.

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 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Several disputes have been filed with the Capital One Auto finance and I called and still have no resolution. 

They continued to report on an account which was closed in XXXX of XXXX and in XXXX of XXXX they reported the account as negative. When I asked them to correct I was advised I needed to provide proof of an on time payment. There is no payment to be on time. And it is the obligation of the agency to ensure corrected information in their reporting The account literally shows that they closed it in XXXX of XXXX which was why it was closed. I would not have any proof to provide that they had received payment and I never received anything with documentation of the loan being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: MOHELA
State: NY
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:
I paid one of my loans ( XXXX XXXX XXXX, 7.08 % interest rate ) in full on XX/XX/XXXX and received confirmation from MOHELA that the payment was accepted. I continued to make payments on XXXX of my other loans ( XXXX XXXX XXXX with a 6.6 % interest rate that was reduced to 6.35 % due to XXXX XXXX of which I have been enrolled in since XXXX ). Following the resumption of student loan interest, my remaining loans ( XXXX XXXX XXXX, XXXX, XXXX & XXXX ) were properly reflected in my account through XX/XX/XXXX. I called XXXX times to advise that my XXXX XXXX was scheduled by MOHELA to come out on XXXX different dates ( XX/XX/XXXX & XX/XX/XXXX ), asked for it to come out on XXXX date to prevent issues, and was assured that it would come out in XXXX lump sum payment on XXXX date ( XX/XX/XXXX ). Despite this, a payment for XXXX XXXX XXXX, XXXX & XXXX came out on XX/XX/XXXX and a payment for XXXX XXXX XXXX came out on XX/XX/XXXX. I called on XX/XX/XXXX and was told by the rep this would be remedied and would start coming out on the XXXX of each month. 

My account information was then erroneously changed by MOHELA so that XXXX XXXX XXXX ( paid in full ) was reapplied to my account and is currently accruing interest, while XXXX XXXX XXXX was put into a purported " credit '' status so that I couldn't pay it in full. Moreover, I received a delinquency notice ( and purported delinquency forbearance ) despite the XXXX XXXX taking out the full amount of the payment for all active loans. I called MOHELA repeatedly about this issue and was told on XX/XX/XXXX by a supervisor that it would be rectified within XXXX to XXXX business days ; however it has not been corrected. I then called about the interest accruing on my account based on erroneous principal balances and was told that my account would be put into a forbearance wherein the interest would not accrue. To date, interest continues to accrue on my account and the interest rate on XXXX XXXX XXXX was suddenly changed from the reduced 6.35 % to 6.6 %. Additionally, the representative that I spoke to this evening ( after trying to speak to a supervisor for over XXXX hours to no avail ) told me further incorrect information related to my account : that my interest rate was only to accrue at 6.6 % although my auto debit has been approved and in place since XX/XX/XXXX with multiple correspondences with MOHELA affirming same. 

MOHELA appears to be playing with the numbers because while the overall total balance appears correct, the individual principal balances on the loans remains incorrect and erroneous interest continues to accumulate on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My initial closing date was Friday XX/XX/2022 which was known since day one.  XXXX XX/XX/2022 my loan processing analyst states the earliest they could close is Wed XX/XX/2022. Friday XX/XX/2022 at XXXX I receive an email from XXXX XXXX XXXX that closing will be at XXXX on Monday XX/XX/2022. I received no notification from my lender, nothing about requesting to change the date or asking to change the date. At this point this also means theres not enough time to receive the closing disclosure document in the required XXXX business days so that I can review it. Also means I had to pool all my money into one account prior to when I anticipated to do so, so that I could send over the wire to the title company. I called my loan officer to see if he could forward me the documents so that I could review them. He for some reason thinks its a joke and starts laughing saying ill get everything. I let him know that I dont have access to the email that I have on the application and that I need the documents to be sent to another email. He assures me that when all the documents come in that XXXX send them to my email address. I am currently out of the country so am XXXX hours ahead of the loan processing department and have not received a single document. I have had other issues with this process so I am not fully confident that what is in the documents even are the same as when I received the loan estimate. Since the closing date was changed t XXXX on a Friday before the closing date there was no way to receive the closing document within the REQUIRED time frame. I still have not received the documents thus I can not sign them let alone read them. This entire process through this bank has been ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I unfortunately had my house flooded From a broken pipe I ended up getting a check from the insurance company for repairs I took it into the branch XXXX XXXX XXXX Before depositing it to make sure whoever had to endorse it did. The banker looked at it and asked his manager and they said its good. As to which I told him to deposit it The following day I get a call from chase telling me my account is being closed & they are holding my money hostage for reason that makes zero cents whats so ever. If they didnt like the check they shouldve told me in the branch or atleast send the funds back to me or to the maker instead they are holding it back from me and I cant even finish my house. Please help me

Company response to consumer: Closed with explanation