BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am writing now in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a vital part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XXXX/Toyota Financial ( XXXX/TFS ) erroneously charged me for excess mileage. I had 2 lease accounts ( for 2 different cars of the same year and model ), and they mixed up the 2 contracts one had 12,000 mi. per yr. ; another had 10,000 mi. per yr. 

As a result, the calculation for my mileage allotment on the one that should have had 12,000 mi. per yr. was way below the correct number. XXXX/TFS claimed I was only supposed to have 33,350 mi. when shouldve had 39,000 miles.

They charged me {$1900.00} which was due on XX/XX/XXXX. 

I called XXXX/TFS on XX/XX/XXXX to help them realize their mistake. I spoke with a rep named XXXX ( XXXX ), who eventually saw the mistake and told me that she has escalated the issue. She also told me to call back in 7 to 10 business days to check on the status. I asked her if I should be worried about the due date ( XX/XX/XXXX ), to which she said no, because the issue has been escalated for correction. 

I called back on XX/XX/XXXX. I was upset to find out that XXXX/TFS had assigned my account to a debt collection company called XXXX XXXX XXXX XXXX. 
Not only did XXXX/TFS not correct their mistake, they even made it worse by saying that they can not help me clear the issue because its with the debt collector now! 

Even my attempts to contact XXXX XXXX to clear my record have been futile. All Ive gotten from them are voicemails because the rep hasnt been available so far when I have called. That, and recently Ive been given the excuse that their system has been down for a couple of weeks, so no one else can help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the XXXX center. I was in the XXXX center at XXXX in XXXX XXXX for my XXXX  XXXX from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then XXXX added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.

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 2019-02-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the trauma center. I was in the trauma center at XXXX in XXXX XXXX for my head injury from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then XXXX   added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I was told my lender would defer one payment after I make my next payment, but they refused to do so and I made the payment they requested. Consequently, they are reporting my payments thirty days late.

Secondly, they are charging me fees that I think are illegal in California and I owe the company more now than at the time of purchase after about two years of payments.

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 2020-11-16
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
APPLIED FOR LOAN, LOAN APPROVED XX/XX/2020, PAYED XXXX DEPOSIT, 3 MONTHS LATER THEY TELL ME LOAN DIDN'T GO THROUGH, CALLED AND ASKED FOR DEPOSIT, WAS TOLD NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have evidence of mortgage fraud being committed. In the attachments to this complaint, see the first page of a Deed of Trust dated XXXX ( NationStar ), and take note of the borrower 's address and his designation as 'an unmarried man '. It is a matter of public record that he was married in XXXX ( we lived here and rented from him at the time ) and it is easily shown that his primary residence has been with his wife in XXXX XXXX, CA since at least the time of their marriage. He and his wife come on weekends sometimes and stay downstairs in the garage apartment. No more than 20 to 25 % of any given year. 

Part of his scheme has been to compell us under an implied threat to our tenancy to supply him with a print out of our utility bills which we pay the entirety of. He has said he uses them on his taxes ( tax fraud? ) to falsely establish that this is his primary residence. I have a video of him telling me to do this in the context of signing a new addendum to the lease ( attached ) which we politely contested ( attached ). He has bragged to my partner/co-lease holder once when I was 'late ' getting him the print out, that, as owner, he had gotten them anyway. He also had the water bill changed over to his name. 

This is our predicament. We love this place very much and take good care of it. As a professional XXXX  and XXXX I have redone the entire grounds surrounding it and made a lovely garden. So we do not wish to be evicted, but nor do we want to be complicit in his fraudulent activity. And since he has indicated that he will use our utility bills whether we like it or not, we are seeking help and/or advice as to putting a stop to this. 

Thank-you for your concern

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Security Credit Services, LLC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received notification of a collection on my credit bureau for a company I have never heard of. It says original creditor is XXXX XXXX and the collection agency is SECURITY CREDIT SERVICES. I XXXX  XXXX XXXX and it is some type of leasing company. I have never leased anything in my life. I want this investigated immediately. I want to know where this originated, what identity documentation was used. I 'm very concerned that my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: ACS Education Services
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please forgive me if I mix up servicer and owner of my loans. Its not always clear what is actually going on and I think that is the point of it. 

On XX/XX/XXXX I was accepted a loan modification offered by loan science on my private student loan consolidation serviced by ACS education. There was a principle reduction and an interest rate reduction to 0 % in the loan modification. The principle reduction was honored which was great, however there has been no movement of the interest rate. 

I first reported this to the CFPB on XX/XX/XXXX that the interest rate had not been changed. The complaint number for the original complaint was XXXX. On XX/XX/XXXX loan science replied that the suggested changes ( interest rate 0 % ) had been made to my account. I waited several weeks to see the changes and they never happened. On XX/XX/XXXX I  provided feedback that the interest rate had not been changed. However, my complaint was still closed. 

What actually happened is that XXXX XXXX sold my loan to XXXX after my complaint without changing the interest rate. That sounds like a crime to me. 

Today I learned that my loan will be switching servicers to XXXX XXXX on XX/XX/XXXX. It was also noted in this document that XXXX will " create a new account number '' for my loan. I assume this is some sort of move to try to distance my loan from my loan modification documentation to further avoid honoring it. Its time to get this sorted out and to quit playing musical chairs with my loan to avoid the loan modification that was offered and accepted. 

The current lender listed on the XXXX website is XXXX XXXX XXXX XXXX and the gaurantor is XXXX XXXX XXXX. This information itself is out of date and probably illegally so since this information has been wrong for over a year. 

I believe that ACS, XXXX, XXXX XXXX, XXXX XXXX XXXXs and XXXX should be contacted and the responsible party should then act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We applied for two separate XXXX Mastercards for XXXX XXXX and XXXX XXXX. The MasterCard  promotion was offered through a link from the XXXX XXXX  website ( See Attachment A ). The credit card promotion consisted of a {$100.00} Statement credit ( see attachment A ) with an annotation to see the Terms and Conditions to receive the {$100.00} credit ( see Attachment B & C " NEW ACCOUNT OFFER ). XXXX XXXX applied for the card on XX/XX/19 via the XXXX XXXX  " Apply Now '' link ( also see Attachment A ) and received it on XX/XX/19. XXXX XXXX applied for the exact MasterCard onXX/XX/19 also using the XXXX XXXX " Apply Now '' link and his account was approved awaiting receipt of card.

XXXX  upon receiving and activating the card sent an E-mail to Barclays Bank ( the issuer of the card ) confirming the {$100.00} credit for each of our XXXX MasterCard Credit cards as we were preparing to buy tickets for a flight on XXXX.

We received two replies from Barclay 's Bank.The first onXX/XX/19 the second onXX/XX/19 informing us that we ( XXXX and XXXX ) were not going to receive the {$100.00} credit as " we did not apply for the XXXX XXXX Master card  '' ( See Attachment D & E ).

We contacted BARCLAY 'S Bank at XXXX and tried to resolve this issue. We conveyed to the Barclay 's Customer Service Representative that the link from XXXX XXXX for applying for the XXXX card ( promoting the {$100.00} statement credit ) automatically brings you to only one application process that being for the XXXX MasterCard. There was no other MasterCard offered except for the one we applied for and immediately approved for. The representative advised us that there was nothing that he could do reference the {$100.00} credit for each account.

We advised the Barclay 's Representative that we would consider filing a complaint with CFPB for the false and misleading MasterCard promotion.The Customer Service Representative indicated that Barclay 's would not credit our accounts for the aforementioned {$100.00} statement credit but we could earn miles if we spent at least {$1000.00} in the next 90 days. We advised him we would not have opened the XXXX Master card account if we didn't believe we were going to get the {$100.00} credit statement Following this conversation we did prematurely cancel XXXX XXXX MasterCard Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I paid of most of my credit card a nd a few days later they put in a late fee on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/XXXXI sent a debt validation letter to XXXX XXXX XXXX. I asked them for proof that They were bonded to collect debt in the state of Texas and validation of this account. They sent me a bill. They did not send validation of said account. I then contacted the Texas Secretary of State. They verified that XXXX XXXX XXXX is not bonded to collect debt in this state. Texas Section 392.101 prohibits third party debt collectors from engaging in debt collection unless they have obtained a surety bond and filed a copy with the Office of the Secretary of state. XXXX   has has not done this. XXXX XXXX XXXX are in clear violation of Section 392.101

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 2020-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of an employment scam. I was working as a personal assistant where bad checks were given to me to run errands. I was unaware these checks were fraudulent as they were from a major banking institution. Two months go by and the bank, without notice, determines the checks are fraudulent. When I saw my account I called the bank immediately, went to my local branch, and my police department. I have everything to prove I DO NOT have this money. Receipts, texts, emails, etc.

The bank, Citizens Bank, charged off and closed my account on XX/XX/XXXX. In error my tax refund was sent to that account on XX/XX/XXXX and the bank reopens my account and proceeds with collection and seizes my tax refund on XX/XX/XXXX. Theyre collection practice is illegal!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I requested the method of verification you used to determine the items I was disputing were accurate. I specifically asked what certified documents were reviewed to conclude the investigation and to provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation as required by the FCRA. You claim that you have verified the items I requested an investigation of, so I legally requested a copy of the procedures and documents you used to verify the information by certified letter return receipt # XXXX. Experian received and accepted my letter through registered mail dated XX/XX/XXXX. To date you have not responded to this request and have not provided me with any information on the method of verification used in your investigation and have thus not performed your duty mentioned in the law. I expect an actual verification method other than the XXXX used to determine the accuracy of my information. Your companys response to my complaint with the Consumer Financial Protection Bureau is nothing more than the legal disclaimer you are required to submit to consumers by law and not an actual answer. My next action is to file an actual lawsuit against Experian with my attorney if my original request from XX/XX/XXXXis not honored.

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 2019-02-10
Company: AES/PHEAA
State: MI
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:
All of my loans were with XXXX XXXX throughout my XXXX  school training, from XX/XX/XXXX to XX/XX/XXXX. When XXXX from XXXX  school in XX/XX/XXXX, I made many calls to my loan serving company so that I could properly consolidate my loans and enroll in an income based repayment plan, and begin working toward the Public Service Loan Repayment Program. At that point, my loans were switched ( without my knowledge ) to XXXX. I was told that my loans had been consolidated, I waived my 6 month deferment, and began paying my monthly payments to beginning accruing toward my 10 years of payments. Unknown to me, XXXX XXXX had only switched HALF my loans to XXXX, and the other half ( two different loans ) were still with XXXX XXXX, and not enrolled in any repayment plan. It wasn't until 6 months later that I received a ~ {$3000.00} bill from XXXX XXXX that I was told I was " still in school '' when I had attempted to consolidate my loans, and therefore these loans were not consolidated. Of course, that makes no sense, since I had already XXXX  from XXXX  school in XX/XX/XXXX and half of my XXXX school loans WERE in fact consolidated and sent to XXXX. And it makes no sense since the consolidation had taken place after my public and exciting XXXX   from XXXX  school. The XXXX  was on XX/XX/XXXX. In any event, even if they were to argue that I didn't truly XXXX until XX/XX/XXXX, I was not informed of this issue, AND they actually did consolidate half of my XXXX school loans. You simply can't have it both ways. Because of this, I lost 11 months of IBR on my now " second '' and " third '' consolidated loan. I simply want to be credited with the 11 months to my second and third loan just as I was to my first. Please see attached documetation, especially the email from XXXX XXXX noting I had submitted my consolidation request ( XX/XX/XXXX ) after the date of my XXXX  ( XX/XX/XXXX - picture of XXXX ticket also attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: DE
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:
For the past 8 months Ive been actively trying to rectify errors on my report and XXXX XXXX  & the credit bureaus has been disregarding my rights according To the fair credit reporting act. 

The close date, charge of date, current status and date of last activity is incorrect and varies from each bureau. 

I was denied a mortgage today because of the discrepancies. 

I also attached a statement of truth for my and your records if i need to use this in the future.

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 2022-08-08
Company: EQUIFAX, INC.
State: AK
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:
In accordance with the Fair Credit Reporting act DEPT OF EDUCATIONXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: AES/PHEAA
State: TN
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 have been in the PSLF  program for years and am still having difficulty getting FedLoan to count my years that I have been employed in public service toward my loan forgiveness count. Today I called to inquire about the discrepancy between several of my loans being calculated for different amounts of time. The customer service representative was rude, and unhelpful as has been my experience many times. I was told that my loans had not been consolidated by XXXX even though I was led to believe I had followed the process for that to happen initially when I began repayment through XXXX. I'm honestly unsure of who mishandled my account, but I do know I have been given misinformation by both parties which has led to my PSLF forgiveness being miscalculated. There have also been times where I was informed that I was under a qualifying income based repayment plan only to later find out they were calculating as under forbearance. I have been employed under a PSLF qualifying job for almost 10 years and they are only calculating 65 months towards certain loans and 35 for other they say I had not consolidated. Both companies told me I had completed the process to consolidate and FedLoan took nearly a calendar year to process moving my loans from XXXX which has also negatively impacted my months towards PSLF loan forgiveness. There is no reason that some of my loans should be calculating for a different amount of time than others and I should have at least 7 years paid in by now.

Company response to consumer: Closed with explanation