BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So I received my XXXX check from XXXX on XX/XX/XXXX for the amount of XXXX I then deposited the check into my chase bank account on XX/XX/XXXX by mobile. Then I get an email stating the check will be available on XX/XX/XXXX. On XX/XX/XXXX I receive a letter from Chase bank stating my account was on hold and was facing being closed for this check, so I then proceeded to call to see what the issue was. They explained that they were having problems verifying my check and asked did I have a verified number for them to call I provided the number from my check they stated that it wasnt in their system. I then called XXXX to ask and they said the number I dialed which was XXXX was the number the bank would use to verify checks. I called chase bank back and told him what was said the rep then did a XXXX way call with that number and verified with that rep that the check was good. She told me give it about XXXX minutes and the hold would be lifted. The next day I try to use the card and couldnt. I call chase back again and the same thing they cant verify i have to provide a number I XXXX several different numbers linked to XXXX none of those are verified its insane now I have to wait even longer then their going to close my account and bounce the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela incorrectly sent me a letter stating that one of my prior government employers did not list their contact information. 
I have tried multiple times to get someone from Mohela on the phone but can never get through. 
I'm attaching my PSLF forms again to the CFPB complaint, and I want Mohela to correctly process my information and forgive my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Farrell Holdings, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Account : XXXX Insurance policy updated and sent to PAC, and another request to stop abusive charges, related to insurance.

INSURANCE UPDATED AS REQUESTED.

COMPANY INFORMED ABOUT IT Company does not reply confirming they received the information and removed any charges.

Requesting for the 3rd time to have the information about paying the remaining balance, and fully pay off the loan. 

Company does not respond properly. 

Federal agencies should overlook this company closely, if they are adopting abusive practices against customers. 

I need to finish this loan ASAP and I am requesting the balance of this loan, and they don't reply the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I keep getting harassed by Navient about student loans from XXXX XXXX XXXX who did some shady buisness to begin with cause their education sucked and I was never able to get a job because of them if it keeps I will sue XXXX XXXX XXXX and Navient for everything they are worth because they have already tried to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TD BANK US HOLDING COMPANY
State: NC
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:
RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX. 
They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00}. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX. 
TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me. Due to an error on their part. 
TD Card Services again went past the 90 day limit. I received a letter ( please see attachment ) dated XX/XX/XXXX stating when I have previously stated. Also please refer to Complaint ID # XXXX. 
I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years. 
Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: VW Credit
State: TX
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX dated XXXX XXXX, is the result of identity theft, and They are not belonging to me.

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 2019-09-12
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told by XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I had been over paid when I was working for the XXXX XXXX as a civilian employee. I requested time cards and pay statements from XXXX on five separate occasions over a two year period and all they would send me was the pay periods that I was over paid, not enough data to determine if I was actually over paid. I noticed back in XXXX of 2019 that the treasury has started taking money out of my pay check. About two weeks after this started I received a phone call from Trans World collection company and they informed me that they were a third collecting a debt for the department of treasury. The representative told me that I owed the treasury a little over {$5800.00} and I told them the original debt {$4500.00} she explained the additional amount was late charges. I explained to her that I have never even received the requested information to determine if this was actually an over payment or a time card error. She told me if I settled the debt within two weeks I would only have to pay {$4600.00}. I told her that I had already had {$1200.00} Taken out of my check. She said she can not see the money that had already come out of my check so I would have to pay the full {$4600.00} and I would get the over payment back form the treasury. Five months have gone by and numerous calls to XXXX and the treasury and still have not received my money .I have asked Trans World six times for a compromise letter stating what was agreed to in the settlement and still have not received this. I did record on audio the conversation with Trans World so if needed I can provide .representative from XXXX  actually had the nerve to tell me that I should get my {$1200.00} back from Trans World . As far as I know if the government contracts with a third party they are responsible for the actions of their contractor Not me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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:
I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXX XX/XX/2023 & XXXX XX/XX/2023. These Companies Violated my rights because I didn't give written access for them to obtain my credit report.

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 explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-13
Company: EQUIFAX, INC.
State: TN
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Last week I sent you a complaint about the way Mr. Cooper is handling my loan with conflicting information. They responded to you with a letter apologizing for giving conflicting information, followed by claiming they did no wrong. 
They stated that the payoff is due. They also stated the reason it was due was that once remaining interest bearing balance was paid the remaining non interest bearing amount becomes due. 
On XX/XX/XXXX Mr. Cooper received the amount of the interest bearing balance, plus escrow as stated on the statement which I previously sent you. However, for some reason, THEY HAVE REFUSED TO APPLY THIS MONEY TO THE ACCOUNT ( please see payment ledger ). 
Today, XX/XX/XXXX, I found on my account a letter dated XX/XX/XXXX ( I believe they promised this by XX/XX/XXXX ) with the payoff quote. It also showed that the interest bearing amount would be charged interest until the payoff was received. I found this accidentally, I assume they mailed it yesterday and I should receive it by XX/XX/XXXX, it states I must pay it by the XXXX by Certified check or wire transfer for the payoff to be valid. 
This is not an issue of the amount of interest they will be charging, that is negligible. These people sent me a check for XXXX cents recently. I haven't cashed it. I will use it to show how fouled up these people are. 
I don't know why the money I sent them is not being applied but it concerns me, once again, if these people have a clue as to what they are doing. 
I would still like to know how they can demand the payoff, which is due when the interest bearing amount has been paid, when they refuse to apply the money already sent to them to the account to pay off the interest bearing amount of {$80.00}. 
I have sent the {$270.00} which they have not applied. They are now demanding {$6000.00} by the XXXX, that letter I assume will arrive, as I said, by the XXXX. 
I just want to make sure that Mr. Cooper will properly apply the money sent and refund my balance immediately. I no longer trust Mr. Cooper to handle this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Thaxton Investment Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is my final communication regarding your claim that the account below is being reported accurately. In your response to complaint XXXX XXXXXXXX, you stated that the inaccurate information such as the Date last active and other information was updated when in fact it is still reporting incorrectly. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for mental anguish. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. I have proof of communication and proof that the account was paid off so why was it sold to XXXX. Lastly the balance that was reported to me is not the same balance I was informed of by the alleged collection agency. The balance they reported was {$620.00}. I will be taking legal action against both companies. The following account is to be removed from my credit report within 14 days due to false and misleading information : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: ALLY FINANCIAL INC.
State: PA
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:
My complaint is against my Bank, Ally Bank. And also XXXX XXXX XXXX. They have not refunded my money for forged and illegally cashed checks. 

My first complaint to Ally occurred XX/XX/XXXX. Each time I call them for an update, they tell me they cant give me my money back. 

I wrote XXXX checks that were stolen from a local mailbox ( I did file a police report ) and the person washed the checks, forged a different name, and they were cashed illegally and funds withdrawn from my checking account totaling {$6700.00}. 

The first check was mailed XX/XX/XXXX for the amount {$2200.00}. It was written to the photographer for my wedding. 

The second check was mailed XX/XX/XXXX for the amount of {$4400.00}. It was written to the catering company for my wedding. 

On XX/XX/XXXX, I discovered the checks were washed and cashed illegally when my catering company asked where their check was. I immediately contacted the police and then called Ally Bank. Ally required I fill out XXXX forms and get them notarized ( which cost me over {$30.00} ) Ally received all required information to get my money refunded no later than XXXX weeks from XX/XX/XXXX. 

As of today, I still havent received my money. Ally is claiming they are asking XXXX XXXX XXXX to research it, then refund Ally, and then I can get my money once Ally is refunded. Ive been very patient, but since Ally allowed my funds to get withdrawn, I hold them accountable and liable for this situation. The checks were obviously forged, yet Ally gave my money to XXXX XXXX XXXXXXXX. It is clear that neither bank has proper policies in place that verify checks arent forged before cashing them. 

Anything you can do to help me get my money would be greatly appreciated. 

Thank you, 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 2021-03-26
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Did a refinance but the payoff was incorrect. Attempting to solve the problem, it went past the late payment date, normal. The amount the late fee they are trying to charge is {$52.00} on the Unpaid Principal Balance of XXXX. After citing guidelines, they have refused to adjust the payment to the correct percentage of the unpaid PITI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am attempting to reach my service provider : Neltnet and determine the right loan repayment for me. They are completely useless when it comes to responding. 

I called Tuesday morning ( XX/XX/XXXX  ) and was on hold for almost two hours. They never gave me an updated waiting time. I e-mailed them on XX/XX/XXXX. A month has passed now with no response. There has been NO updates from them.

Company response to consumer: Closed with explanation