BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2021-12-28
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I work for a XXXX XXXX XXXX XXXX XXXX  plan. We offer Medicare advantage, which is considered a saftey net health plan. Saftey net health plans do qualify as a public service for the elderly. 

Despite this, my employer has been labeled as not qualifying as an employer for PSLF. Because this informatoin is not redily available, my employer will not 'check the box ' that they offer a public service for the elderly. This is causing my loan forgiveness application to be denied, despite the facts presented above. 

Non profit companies ( not 501c3 ) have no guidance on whether they are qualifying employers, despite the fact they can be qualifying employers. Can you please help confirm the qualifying status of a non profit health plan who offers medicare?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Continuation of complaint XXXX CFPB did not take appropriate acti on for Barclays to cease attempting to collect a fraudulent and invalid debt. Barclays was sent billings for 2 years regarding the time spent of many phone calls and letters. The right of offset was exercised and Barclays was notified many times of those terms. The amount has been paid in full. The continued fraudulent activity has resulted in additional fees. Barclays fraudulently turning the amount not owed to a collection agency without providing the detailed correspondence for two years has resulted in additional fraud fees. The CFPB must take action to prevent further fraud by Barclays. You are not a pass through organization. Your responsibility is to take action against these banks in conjunction with other Federal Agencies. I expect the CFPB to do so immediately.
Barclays has continued perpetrated the frauds over many years. Someone must be charged, convicted and put in prison! We are a nation of laws. Without them marxism and lawlessness prevails.

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 2023-10-10
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from DISCOVER. 

I have attached the documentation to verify and make sure the proper steps are taken to completely get this resolved as soon as possible. 

Changes need to be also reflected on credit file to show no balance owed since account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Inquires on my credit report that I have no knowledge of and/or did not personally authorize.

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 2022-06-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I sent a money transfer in the amount of {$1000.00} through Moneygram to a relative in XXXX. Moneygram debited the funds from my debit card within minutes. However, the receiver was not able to pick up the money. After contacting a Moneygram agent via phone they stated that the transaction was under the review and that they needed to talk to the receiver. I decided to send the money using another company. The next day XX/XX/2022, I called Moneygram to request a cancelation of the money transfer, the moneygram agent gave me the same generic information that the transaction was under review and that within 24 hours they would have a resolution. I called back a couple more times last week, and today Monday XX/XX/XXXX when I called in the afternoon, again the agent tells me that the transaction is under review and that in less than 24 hours they will have a resolution ( this is the 3rd or 4th time an agent has told me this ). It appears that this company is acting in bad faith and is deliberately refusing to process the cancellation of my money transfer and is sending me in circles and providing me with inaccurate information from what is listed on their website regarding their cancellation policy. I am filing this consumer complaint in order to obtain cancellation and refund of the money that Moneygram charged from my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts are fraudulent on my credit report : - 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 explanation
Consumer complaint received 2019-03-25
Company: Navient Solutions, LLC.
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:
I spoke to a representative on XX/XX/2019 to discuss the new payment plan on my student loan. She told me that it would be paid off in 12 years, on the XXXX of every month on a graduated repayment plan. She read me the forbearance letter and told me I didn't need to do anything else, I would see the updated information on my online portal. 
Further, on XX/XX/2019 I got online to review my account. No changes had been made. I called navient and was on the phone with XXXX for XXXX minutes. He told me I was given incorrect information and it was filed in correctly on XX/XX/2019. He hung up on me while trying to transfer me to the supervisor. I then received a call back and was told that the options were to extend my loan out to XXXX at a much higher monthly payment. 
I received incorrect, misrepresented information and was advised to be in forbearance when I had funds to make a payment, collected more interest on the loan, and got falsified information on what my payment would be and when payments would end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get constant phone calls from portfolio recovery. I have 0 debt my home is paid and they continue to bother me. There is no debt I have never paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report. 
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 2019-07-13
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2019 I purchased a phone from XXXX  on that same day they allowed someone to purchase a second phone in my name I called XXXX corporate office and the store where he phone was purchased they asked for a police report I gave them that I also contacted XXXX and sent them the police report still nothing. This action is preventing me from moving forward with my plans because its on my credit now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I s cheduled a payment of {$380.00}, payable on XX/XX/2019, from our joint checking account at XXXX XXXX, R I. to Bank of America 's VISA Signature credit card. 

However, instead of {$380.00}, the Bank of America debited my XXXX Checking account {$38000.00}, that is, 100-times the amount owed -- that is, {$37000.00} greater than the amount owed! 

I discovered this egregious error on XX/XX/2019, a XXXX. 

On XX/XX/XXXX I personally reported this egregious error to my personal banker at XXXX XXXX, XXXX, RI, but she directed me to the Bank of America. I brought this to the attention of Mr. XXXX at the Bank of America on XXXX XXXX, XXXX, RI. However, since the credit card was in my wife 's name I was asked to have her go personally to the Bank ; she did, and met with a banker the same day, XX/XX/XXXX, but at the branch on XXXX XXXX, XXXX XXXX, RI. The banker phoned the card 's customer service # for a resolution of the egregious error and refund the overdraw to our joint account. 
However, as of today, XX/XX/XXXX, the excess amount withdrawn from our joint account has not been credited. This is totally inexcusable.

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 2023-01-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023, I sent EQUIFAX a certified mail letter requesting that my personal information be corrected. I have reached out to EQUIFAX several times requesting that my personal information be corrected, in which I have yet to receive a response. 
EQUIFAX is in violation of my rights as a Federally Protected Consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX : Wells Fargo- After getting a notice that I had reached my Savings-to-Checkings limit ( which the warnings did not count down ; what  constituted a S-t-C transfer, etc ), my checking account reached {$0.00}. The pending charges on my checking are being " Overdraft Protected '' one by one, and then being charged a " Excess Activity  Fee '' every time because it counts as a Savings-to-Checking transfer. 
XXXX : I'm stuck in a vicious circle that's resulting in needless fees, and after explaining to WF what is happening, they only offered 50 % fee-forgiveness, which is unfair as it's the first time this has ever happened.

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 2021-12-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
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:
I have filed a dispute in regards to the inaccurate information that is being reported and displayed on my credit report. It has been well over 30 plus days and I have not received any investigation results. There are a total of XXXX inaccurate accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have an FHA mortgage. We had refinanced with FHA streamline ( XX/XX/XXXX ) and our first payment was XX/XX/XXXX. Our Principal Balance was {$390000.00} ( monthly payment of XXXX ). We entered into Forbearance due to job loss/salary loss from Covid in XXXX of XXXX. We were on forbearance for one year. We exited the program in XXXX of XXXX and qualified for the Standalone Partial Claim to the amount of XXXX. we have been making out payments of XXXX ( the new amount after the SPC ) We are currently attempting to refinance said FHA product and enter into a conventional mortgage vehicle. We were contacted by our mortgage broker that our credit reports have the mortgage as " Under Loan Modification other than government program '' which has propted several of our CC isuers to lower creditlimits and increase interest rates. We contacted Amerihome on XXXX and have yet to have this corrected being told ... '' they are all reported this way ''. That being said when we recieved the payoff letters we were startled to see that the mortgage requies a payoff satsifaction amount of {$380000.00} and the stand alone partial claim has a payoff of the aforementioned {$37000.00}. This total is {$29000.00} more than the original loan amount. When I reached out to Amerihome on XX/XX/XXXX I was promptly given the runaround and over the course of a dozen calls with 9 hang ups and a 3.5 hour hold which I gave up on. No one could explain where this additional XXXX comes from or where we agreed to pay said amount when entering/exiting forbearance. I was supplied with a payment breakdown for the XX/XX/XXXX payments which brought us current but no answer as to how this additional sum has come into existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/22, I sent a dispute letter to XXXX, XXXX and Equifax asking them to validate three accounts listed on my credit report. I have no knowledge of these accounts. I also requested my the wrong spelling of my name to be corrected. I know the bureaus have 30 days to complete an investigation but it has now been almost 3 months. On XX/XX/22, after no response, I sent another letter letting them know I did not receive a response and to please investigate the inaccurate information, provide me with documentation or remove the items from my credit report. Still no response. On XX/XX/22, I sent a third letter asking to now have all disputed items removed since they have violated my consumer rights not once, but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I initially received communication via phone from this company back in XX/XX/XXXX. Specifically, on XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative and asked them to send me verification of the debt they claim that I owed. I did not hear from them again until XX/XX/XXXX when I informed a representative who call that I never received verification of the debt. I received a phone call from the collector on XX/XX/XXXX and XX/XX/XXXX regarding the alleged debt and I explained that once I receive verification, I will review it and if I deem payment necessary I will make the arrangements at that time. I received an email from the collector on XX/XX/2018 with the information. I have received repeated and harassing phone calls from this collection agency on the following dates : XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX I spoke with the representative and they told them to stop contacting me until I review the information sent to me and then I will make arrangements with them. However, I continued to receive phone calls on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, twice on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two times on XX/XX/XXXX. The numerous and repeated telephone calls are completely against the law and I have previously spoken with them and advised that what they were doing is against the law. At this point, I want to take legal action against them for damages for continuously harassing me almost on a daily basis after they have already received communication from me and which I told him I will review the information and if payment is necessary, I will make the arrangements. I have a job which requires me to keep my phone on and these calls are interfering with my ability to work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: U.S. BANCORP
State: IL
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:
My identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.

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 2021-12-27
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As you will see in the details that I provide below, our loan with Shellpoint Mortgage Servicing was paid in full on XX/XX/2018. 

On XX/XX/2018, I requested a payoff amount. 

On XX/XX/2018, a payoff amount of {$2800.00} was received and was valid through XX/XX/2018. 

On XX/XX/2018, a payment of {$760.00} was made on the Shellpoint website ( Confirmation # XXXX ). 

On XX/XX/2018, a payment of {$760.00} was made on the Shellpoint website ( Confirmation # XXXX ). 

On XX/XX/2018, a new payoff amount was requested because the previous payoff was no longer valid. 

On XX/XX/2018, a new payoff amount of {$1300.00} was received which reflected the payments made on XX/XX/XXXX and XX/XX/XXXX with an additional interest amount of {$14.00}. 

On XX/XX/2018, a phone payment of {$1300.00} was taken by XXXX XXXX ( Confirmation # XXXX ). 

On XX/XX/2018, an additional phone payment of {$14.00} was taken by XXXX XXXX ( Confirmation # XXXX ). On this date, our loan balance should have been {$0.00}. 

On XX/XX/2018, I spoke with XXXX XXXX of Shellpoint Mortgage Servicing who confirmed our loan account was fully current with no further payment due on our loan. 

Shellpoint Mortgage Servicing has continued to pay our homeowners insurance and property taxes every year since the loan was paid in full in 2018. 

Shellpoint Mortgage Servicing has also reported us as seriously delinquent to the credit bureaus since XXXX of 2018. 

I have made numerous attempts to resolve this issue with Shellpoint. Each Shellpoint Representative that I have spoken with agrees the loan should have been paid in full in XXXX of 2018, but does not have the ability to correct the account. I have been advised to send an email to the escalations department, send an email to the loan servicing department, and most recently, to use the contact us area of the Shellpoint Portal. I have sent email after email and submitted several requests within the Portal, but our account and credit remains uncorrected.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation