BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: AES/PHEAA
State: CA
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:
The reason I document this issue is that there have been numerous attempts to correct this issue regarding the Public Service Loan Forgiveness Program and the company continues to cause issues regarding the proper tracking of the qualifying number of payments I have made in PSLF. I have recently been notified that the loan servicer would be changing hands in the coming months, so I have been submitting the proper paperwork to ensure that everything is in order. In one instance, I was told that the wrong person had certified the paperwork at XXXX XXXX of XXXX XXXX and they were rejecting the paperwork from XXXX XXXX. The County of XXXX XXXX is a large agency in the XXXX XXXX where thousands of people work. I can not control who signs the paperwork that is given to the main XXXX XXXX Department to send out for signature by who they deem is the proper person. I was also notified that I needed to submit new paperwork if I wanted a previous period that was unaccounted for to be considered as an additional period of employment due to recent changes in the legislation. The deadline to submit the paperwork under the TEPSLF program is XX/XX/XXXX. I re-submitted paperwork for the period of XX/XX/XXXX to XX/XX/XXXX, to show that I worked for the City of XXXX XXXX for one year, instead of the 6 month period that I was previously given credit for in past years. I would like for all of my periods of public service work to be accounted for and an update to be sent to me please on the total number of payments I have made toward the goal of 120 payments or 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: US MORTGAGE CORPORATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
US Mortgage violated several federal laws. XXXX XXXX, XXXX US Mortgage is in violation of 15 USC 1635 Right of rescission as to certain transactions. XXXX, XXXX is aware and has proof in attachment labeled as exhibit A that US Mortgage Corporation is in violation of 15 USC 1605 ( a ) ( c ). XXXX XXXX  is aware and has proof in attachment labelled as Exhibit B that US Mortgage Corporation is in violation of 15 USC 1605. * Fact, Affiant is aware and has proof in attachment labelled as Exhibit C that US Mortgage Corporation is failing to observe a law 12 USC 1431 b. XXXX, XXXX is aware and has proof in attachment labelled as Exhibit A, B & C that US Mortgage Corporation is in violation of 15 USC 1611 *US Mortgage Corporation willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 160 . Additionally, violated 18 USC 1341

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I was unable to link my PNC Bank account with my XXXX XXXX account. The XXXX website stated PNC Bank has made a change in their policy that does not allow their users to link their accounts with external sites like XXXX. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: The Bureaus, Inc.
State: NY
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:
OnXX/XX/2021, THE BUREAUS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE BUREAUS has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
At the closing of my mortgage XX/XX/XXXX I asked the Chase Mortgage representative, what is loan to value percentage I need to remove PMI if the house appreciates in couple of years. At that time he respond 78 %. I called Chase on XX/XX/XXXX to ask for an application to get my house reappraised since the value has gone up and they told me that ratio is now 75 %. I told them that was not what I was told and wanted to file a complaint on the person who had miss informed me. After be transfer 3 times and but on hold for over an hour. I asked the person in the originators office ( at least that is where I was told I was transferred to last ) if they have persons name so I can file the complaint. They said they can not give me that information, I asked if I can have the branch in which is filed so I can lodge a complaint on how they where miss leading customers they said they can not give that to me. I asked why ca n't you not give me the branch info and they hung up. Tried calling back and when I got transferred to the originators office and start to explain what happen they hung up again!

Bottom line, when you are dealing with Chase mortgage department make sure they show you the numbers and not just tell you them. Especially when comes to PMI because that information about how to get out of paying the PMI insurance is buried in the paper work and does not match what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
These accounts do not belong to me. XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX/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 2021-08-18
Company: EQUIFAX, INC.
State: PA
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:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPT OF ED/NAVIENT-Balance $ XXXXDate Opened : XX/XX/XXXX DEPT OF ED/NAVIENT-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX. XXXX-Balance $ XXXX-Date Opened :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, 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:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had two accounts with resurgent capital, they are now paid, resurgent states that when the accounts are paid off, all trademarks will be removed, my two accounts XXXX  and XXXX  XXXX XXXX  are listed as derogatory condition, I have contacted resurgent and they state that there is no such account. This is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I often have problems paying my mortgage online with LoanCare LLC. First you login, it kicks you offline, repeatedly. Then once you  can successfully stay logged in, then the site starts to ask for a new password because its been over 28 days since your last password change. Then, you endure 10 minutes of the system booting you out again with the new password. Once you get in, you have no way to click on paying the bill. It just doesn't allow you. I took video of this..its comical. I would be happy to submit it. I called in, was informed it was a one hour wait, then the call disconnects after 20 minutes. If this was once off, nothing to see here. But this happens often. As a result of these malfunctions, they will hit me with a late fee. My payment was due the first of the month, I usually pay on the XXXX cause its around the due date of my other bills. After reading reviews on XXXX and XXXX XXXX XXXX, I am concerned about with whom we have our mortgage.

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 2022-08-13
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Complaint Regarding PayPal Withholding My Payment I'm writing with regards to help with the release of my payment in PayPal PayPal sent me an email claiming that it had limited my account Upon inquiring the circumstances behind the limitation, PayPal informed me the account had been limited for security reasons- reasons they can't reveal. 

Please note that I'm a single mother of XXXX, I'm paid by my employer using my PayPal email address and my bank ( paypal ) has permanently limited the account with money in it. 

I feel so devastated, shocked, overstretched and completely overwhelmed. 

I'm slowly sinking into XXXX and I think this issue is having a toll on my health and mental wellbeing. 

I can provide the PayPal email associated with the limited account The amounts withheld are {$84.00} dollars Date of withholding was XXXX XXXX, 2022 The reasons they cited for limiting my account was that the account was closed for security reasons they can't disclose and that my money will be made available to me 180 days after the date of the limitation. 


I hope that you'd been of assistance in this matter. 


Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Opened up XXXX XXXX XXXX card Live in Idaho. Saw card was used in California - Called XXXX XXXX XXXX and disputed charges, told me they closed my account for fraud / identity theft. 
Then get notice I am being sued for " debt '' bought but Midland credit management for account that was closed for fraud. 
Process server for Midland credit came to home and threatened to notify neighbors, friends, family and work. ( Have on video via our XXXX camera ). Asked to please leave property and stop threatening us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/19, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, SOUTHWEST CREDIT SYSTEMS, L.P., PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE ORIGINAL COMPANY THAT SOUTHWEST CREDIT SYSTEMS , L.P . PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES. WHEN SOUTHWEST CREDIT SYSTEMS , L.P . PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.

According to 15 USC 3002, I am a XXXX person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XXXX XXXX 1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' SOUTHWEST CREDIT SYSTEMS, L.P. is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I also have proof of claim against SOUTHWEST CREDIT SYSTEMS, L.P. admitting to getting my information from original creditor of the alleged debt, which constitutes information shared without written consent from me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # 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 2021-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i contacted them on XXXX XXXX and i haven't received anything from portfolio concerning this item : PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Alleged Original Creditor : XXXX XXXXXXXX XXXX  XXXX Alleged Original Creditor Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$600.00} Dear PORTFOLIO RECOVERY ASSOCIATES : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Due to a clerical error made by Chase, apparently according to a banker over the phone, there is a safe deposit box in my name, but with an address that was never mine ( according to the banker ). Rather than flagging a potential clerical or serious identity theft issue, the incompetent banker refused to correct the situation - perhaps to cover up someone's incompetence or misconduct at Chase. This is a serious issue if my safe deposit box in Texas has an address not ever affiliated with me. I am fearful for my physical safety now, along with identity theft, because of Chase 's misconduct here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent XXXX  mail with XXXX  receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over XXXX different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the XXXX XXXX. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. I'm uploading a new FTC report also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: SC
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'VE BEEN TRYING TO GET THIS MATTER RESOLVED FOR QUITE SOMETIME WITH XXXX XXXX. MY FIRST ISSUE IS THE DELIQUENCY DATE IS INCORRECT AND THEY HAVE YET TO HAVE IT UPDATED AFTER SEVERAL ATTEMPTS. IT'S SHOWING 2017 WHEN ITS ACTUALLY INCORRECT. ALSO, I'VE REACHED OUT TO XXXX  AND XXXX  IN REGARDS TO IT BEING ON MY REPORT WITH THEM AND WAS INFORMED AFTER 7YRS IT WAS DELETED SO HOW COME IT'S STILL SHOWING ON MY EXPERIAN CREDIT REPORT AND ALREADY DELETED OFF THE OTHER TWO CREDIT BUREAUS. I NEED THIS MATTER RESOLVED AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation