BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-15
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Over the past 3 years I have experienced life changing events that have caused me to have difficulty to make my student loan payments in a timely manor. I have been through a very costly divorce and custody battle with my ex-husband after 10 years of marriage. I had contacted XXXX the servicer of my XXXX XXXX XXXX loans on multiple occasions requesting help with my student loan payments. There were no options available to me other than to pay the payments set. In XX/XX/XXXX I was unable to make the payments. The accounts serviced by XXXX for XXXX XXXX XXXX defaulted after 120 days of non-payment. I was able to locate that my loans were in default status with a collections company called XXXX, XXXX XXXX XXXX. In XX/XX/ I made a {$2300.00} payment to XXXX XXXX XXXX over the 5 loan origination 's to bring them current. I requested a reasonable payment plan and for my loans to come out of default status if I brought them current on the past due payments. I had brought the past due amounts current in XX/XX/XXXXand I was willing to resume payments. The collections agency XXXX XXXX XXXX on behalf of XXXX XXXX XXXX refused to work with me. They continue to threaten me that the entire balance due of {$36000.00} is due immediately. They threaten me with wage garnishment and that these loans will stay on my credit report until the full amount is paid. I have paid XXXX XXXX XXXX for almost 9 years. The payments have been consistent. This company is being unfair, unrealistic and abusive. It is not practical for me to come up with {$36000.00} when I have been struggling to make my minimum monthly payments. I have investigated that many companies will bring an account out of default and negative credit reporting when the account is brought current. This company is refusing. They threaten to ruin my life and my financial stability for many years to come. Even though I have made an evident effort to reconcile my debts. When I called XXXX & XXXX the first week in XXXX to make a payment. The representative refused my payment and told me to just mail it in. This makes it appear as if my payments were even more sparse. I know they are able to accept payments by phone because they took my payment of {$2300.00} by phone. I assume since the payment was much smaller in scale. It was not worth the representatives time. I am absolutely disgusted. I have been a good payer of my debt to this company for 9 years. Now my life and my children 's life will be ruined for ten plus years because they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX I paid my Mortgage to US Bank, XXXX and {$200.00} toward principle reduction. The receipt show the date paid as XXXX XXXX which makes the payment late and a late fee of {$50.00} is due. I ask the teller that accepted the payment, XXXX, I do not beleive that XXXX is her actual name I had to ask her 3 times for her name, claimed that US Bank policy forbid her from writing the actual date the payment was received on the receipt or giving her name or Employee # to identify her. She said quote " I do not want to be liable for receiveing the Mortgage Payment ''.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2018-01-24
Company: EQUIFAX, INC.
State: WA
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:
Last XX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: JPMORGAN CHASE & CO.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
When I received my XXXX statement from Chase for Visa ending in XXXX I noticed 9 fraudulent charges dated XX/XX/XXXX and XX/XX/XXXX totaling {$410.00}. Eight of these charges were to XXXX XXXX and one was to XXXX seller repay. 
I contacted Chase to report the fraudulent charges. My credit card was canceled to stop further use, I was issued a new card with a new account number and the fraudulent charges were removed from my account. 
I then received a letter from the Fraud Department dated XX/XX/XXXX stating that after an investigation into the unauthorized charges they had determined that the charges were not fraudulent and were being added back to my account. The reason given for each of the 9 charges was You received benefit from this transaction. 
After receipt of this letter I telephoned the Fraud Department and spoke to XXXX insisting that the charges were, in fact, fraudulent. I was told that a second investigation would be launched and XXXX assured me that he would call me the following week. XXXX did not, as far as I can tell, ever try to contact me. 
I then received a letter dated XX/XX/XXXX from XXXX, Sr. Specialist II, stating that the second investigation confirms the previous findings that the transaction is valid. 
I am appealing this decision. 
I have filed a police report. 
I am filing a complaint with the Consumer Financial Protection Bureau. 
I would like my account closed immediately as I no longer wish to do business with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I want to file a fraud transaction report that happens to me, I have become a fraud victim on our transaction with XXXX XXXX, XXXX, XXXX, Florida. 
- I pre-ordered five XXXX Bikes with total of {$15000.00} in XXXX XXXX. I did a wire transfer to XXXX XXXX Account two times, {$9000.00} in XXXX and {$6000.00} in XX/XX/XXXX. XXXX XXXX promised to deliver these five XXXX in XXXX XXXX. However, until today ( XXXX of XX/XX/XXXX ), they have not delivered any of these bikes, or sent any refund to us. 
- I have tried to discuss with them since mid-XXXX XXXX, regarding our order and possibility of refund. However, they always make an excuse to us in regards the delivery, pick-up in store & refund, also I have a difficulty to contact them. 
- I have contacted our Bank, to help me to get the refund. However, they could not help me to reverse the wire transfer that has been made. I made XXXXhree wire transfer with two different Bank. My first bank transfer was with TD Bank, and my second & third transfer was with XXXX. 
- Furthermore, I checked some review in XXXX, XXXX, XXXX, and XXXX about XXXX XXXX, I found there are some people that has a same issue likes me. Based on this information and our above-mentioned situation, I believe that XXXX XXXX has done a fraud transaction to us. 
- I have all the evidence to support my case, such as my wire-transfer, invoice and written communication with XXXX XXXX. I hope CFBP Team could help us to solve this issue, and prevent this issue happens again to our community. Thank you so much for your attention and further support. 
- Warmest Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: KY
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:
There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( XXXX, Experian and XXXX ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XX/XX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue.
2. In XX/XX/XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special Handling US Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!

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 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries were not authorized because I was already pre financed through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Finance of America Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I closed on a refinance of my mortgage with Finance of America Mortgage Company. My mortgage was assigned to a company called XXXX XXXX for servicing. 

Problem : The amount that XXXX XXXX deducts from my monthly mortgage payment is XXXX ( {$3600.00} annually ). On XXXX I received a letter from the XXXX County Tax Commissioner 's office that my homeowner 's taxes would be reduced from {$3600.00} to {$1200.00}. Based upon this reduction, the amount that XXXX XXXX should be deducting from my monthly mortgage payment should be approximately {$100.00} per month as opposed to {$300.00} per month. 

I have contacted XXXX XXXX on 3 occassions via their website and via phone regarding this situation. I submitted the attached documentation provided to me from the XXXX County Tax Commissioner 's office, however Loan Care has not made the correction, instead, I received the attached document from them called Annual Escrow Account Disclosure Statement dated XXXX which indicated that the correction was not made. 

Today I looked at my account on the XXXX website. The escrow and insurance page reflects that my escrow amount is now {$1200.00} annually. However the on the Payment Information page it reflects that my the escrow tax amount deducted from my monthly mortgage payment is still XXXX ( {$3600.00} annually ). This is an obvious discrepancy and XXXX XXXX is still deducting the wrong amount from my mortgage payment and is charging me the wrong amount for my mortgage payment. 

I would like my escrown payment to be corrected, my mortgage payment amount to be adjusted accordingly and XXXX XXXX to send me any overage that I am due. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Premier Student Loan Center
State: OH
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:
I was told about the company Premier Student Loan Center by my cousin who had spoken with a representative that told her he could get her student loans forgiven and that if she referred people to him she would get a {$25.00} gift card for each referral. I called the company and a representative told me he could get my loans reduced but he had to confirm that I qualified. I gave him all of my demographical information and verbal permission to access my loan information. He stated I owed {$81.00}, XXXX and if I stayed with XXXX I would end up paying {$160.00}, XXXX but if I went with his company he could get my loans reduced by {$69000.00} and only have to repay {$11000.00}. He stated I needed to authorize my automatic monthly debits and his company would get my loans forgiven. I was to make 5 payments of {$230.00} and the remaining payments of {$86.00} for 120 months and my loans would be paid in full. From XX/XX/XXXX to XX/XX/XXXX I made my required 5 payments and then I began to see monthly payments of {$40.00}. I thought nothing of it because I was making my payments. In XX/XX/XXXX I received an alert from XXXX XXXX that my loan balance was going up rather than down. I called XXXX and was told no payments had been made and that I had no payments due because this company had told the US Department of Education that I had no taxable income during XXXX. I was astonished and afraid all at the same time as this company had lied to the federal government and I could suffer the repercussions due to their negligence in providing false information. XXXX advised me to contact CFPB to file a complaint and seek financial resolution for the 12 months + payments I have made that never went anywhere towards my actual loans. To contact www.studentloans.gov to get my password reset. To contact my financial institution to stop the payments. So I contacted CFPB and was told to complete these preliminary steps to get the complaint filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JFQ Lending, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a Report of Available Funds from a company called JFQ Lending , Inc. that looks very much like an official state document, with a file number linked to my state, urging me to respond by a deadline. The fine print notes this is an advertisement but the document will likely fool and defraud many consumers. This is deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX years old and will spend the rest of my life having to freeze and unfreeze my credit accounts because of the Equifax security breach. As I move towards buying my first house, I called to unfreeze my account so a mortgage lender can review it. The online and phone systems both do not allow me to unfreeze, and also alerted me that after XX/XX/XXXX, I will be responsible for paying for freezes and unfreezes. This is blatantly unfair that the burden rests on consumers to pay these fees. They have essentially, in the process of poorly safeguarding incredibly sensitive information, ensured themselves ongoing profits! This is unacceptable. 

As a financial institution, this security breach shows that this company should not be trusted with consumer information that can make or break our lives. I 'm writing to request that the CFPB do whatever it can to shut Equifax down, and to please include me in any class action suits against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: ND
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 do not understand why Experian is refusing to delete a XXXX account on my credit report that does not belong to me. It is reported to have been opened in XXXX XXXX with account number # XXXX. I have called XXXX and XXXX XXXX multiple times and it has been confirmed by their representatives I have never taken an account with them in their records. Experian and XXXX mistakenly started reporting this account a couple of years ago and since then, I have been fighting them tooth and nail to delete this from my report. XXXX recently finally deleted this account once they validated it was not my account but Experian is refusing to acknowledge my complaint and keeps telling me to contact XXXX. I am filing this complaint because I have already done my part in contacting XXXX and Experian is the one who is not doing their job. This is not my account and it needs to be deleted as soon as possible from my report. I am including a copy a recent report which shows how only Experian has this account on my credit. XXXX and XXXX are not reporting this. I am also including a screenshot of the deletion letter from XXXX verifying it is not my account and it was deleted.

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 2021-03-24
Company: Skopos Financial, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Skopos Financial is reporting inaccurate and old information to my credit report. This account was not authorized by me. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.

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 2018-01-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC is reporting I owe XXXX XXXX I have never had XXXX XXXX this is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries were not authorized because I was already pre financed through my bank.

Company response to consumer: Closed with explanation