BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: Higher Education Servicing Corporation, Inc.
State: AR
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:
Hello, I consolidated my Federal Stafford loans ( roughly $ 50k ) received from XXXX XXXX XXXX XXXX XXXX ( XXXX ) in late XX/XX/XXXX after graduating from XXXX XXXX at XXXX in XX/XX/XXXX. I have managed to pay down my student loan balance since XX/XX/XXXX on time each month and was also able to pay additional amounts to help reduce the outstanding balance subject to interest charges. Based on a recent financial event that has allowed me to completely pay off my remaining balance, I paid {$10000.00} to XXXX on XX/XX/XXXX ( XXXX is the servicer of my consolidated loans ). I did this by using the pay online function that displayed the 'payoff amount ' and simply entered that amount to pay off. 

After I did this, I remembered that XXXX offered 2 benefits when we were told about using the consolidation option for our subsidized and un-subsidized Stafford loans. One benefit was a 0.25 % interest rate reduction after a certain period of on time payments and I was given this benefit several years ago ( my interest rate went from 3.5 % to 3.25 % ). The other benefit was that the final {$590.00} of our loan balance would be forgiven if we continued to make our payments on time. It does not appear the XXXX website gave me the benefit of the {$590.00} forgiveness so I emailed XXXX about my questions regarding this forgiveness benefit. I was told ( emails back and forth with XXXX on XX/XX/XXXX ) that since I paid my entire loan balance off, that I am not eligible to receive this forgiveness option. 

I have a hard time understanding this since I 've been a good payer on my loans owned by XXXX and serviced by XXXX for over 10 years. I have also paid thousands of dollars in interest charges since XX/XX/XXXX on my amount borrowed, so I do n't believe that being able to receive the benefit of the {$590.00} forgiveness benefit is something that is such a terrible request even if I am able to pay off my loan early. If I had realized this, I would have simply paid the full amount due minus the {$590.00} so it would have been forgiven through whatever process they have set up. But because I did pay off my entire balance, XXXX is telling me that I 'm not eligible to receive the forgiveness benefit. 

I find this very unfair since I have been a faithful payer on my loans and am being penalized for paying off my entire balance. Also, why does n't the XXXX website allow for consumers to understand this forgiveness? {$590.00} is a lot of money and I do n't believe it 's asking too much to receive the benefit that XXXX has given others that qualify for it like I do. 

Thank you, 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 2022-01-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I sent a remittance coupon to my bank to deposit the funds into my account but the stamp duty was incorrect. On the coupon I instructed them that they had 3 days to return the negotiable instrument if they did not accept it. It has now been over a month and I have not heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I certified mailed a dispute letter to Ford Motor Credit /XXXX  to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of a electronic contract with e signatures, and bill statements saying they verified the debt. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and BBB hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact comcast for the balance I had pay them before which was {$460.00} different than the one they reporting???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have received NOTHING by mail but XXXX has apparently transferred our mtg without proper notification. I already scheduled my payment for XX/XX/XXXX online through the XXXX XXXX page it is their only option to pay online as I have since they started handling the loan. Top of page had red letter heading about IF YOUR LOAN WAS TRANSFERRED ... So when done I went to my email acct and logged in today XX/XX/XXXX and In an Email dated XX/XX/XXXX XXXX XXXX so at earliest if I checked emails everyday I would have recvd it XX/XX/XXXX I find a notice from XXXX saying they are transferring our loan as of XX/XX/XXXX. WTH? 
That is a 1 week notice for something as BIG as Changing where we send our Mtg payments? And NOTHING IN WRITING IN THE MAIL? And I am supposed to send my payments to Mr. Cooper DBA as Nationstar Mtg? This does not even sound real OR Legit, Mr. Cooper DBA? 
This is the email I received. 
XXXX To : XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX is the servicer for the loan ending in XXXX. 
You should have received a Transfer of Servicing Notice from us indicating that, effective XX/XX/XXXX ( " Transfer Date '' ), the servicing of your mortgage loan will transfer to Nationstar Mortgage LLC d/b/a Mr. Cooper ( " Mr. Cooper '' ). 
This means that Mr. Cooper will start accepting payments on XX/XX/XXXX at Nationstar Mortgage LLC d/b/a Mr. Cooper, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX. If you have scheduled any payments for after the Transfer Date through XXXX XXXX XXXX, those payments will be cancelled and you will need to contact Mr. Cooper to reschedule them. If you use online bill pay through you financial institution, you will need to change the payment information to Mr. Cooper. 
Nothing about the terms of your mortgage loan will change. You should receive a letter after the Transfer Date from Mr. Cooper with your new loan number, additional information and instructions for setting up a new online secure account at www.mrcooper.com. In the meantime, you can find additional information on our website here. 
If you have not made your XX/XX/XXXX payment, you can still make your payment quickly and easily online until XX/XX/XXXX. Remember, all payments made on or after XX/XX/XXXX should be made to Mr. Cooper. 

Sincerely, Seterus , Inc . 

They say after XXXX won't even be able to access documents, but only documents available are tax XXXX no other files for transfer from B of A or anything have anything in them now ... 
XXXX provides no number for live contact via phone or email ONLY an address for sending LETTER. 
We have not been provided any phone numbers to call the new company either. 
Is the GOAL to stress and worry homeowners? I mean seriously I am supposed to pay My Mortgage to www.mrcooper.com?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I hereby do not acknowledge the following accounts and/or account balances described in the attached documents.

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 2018-04-18
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
All my American Express Membership Rewards points ( XXXX ) were frozen, I can not use or transfer any of them.

It is tough to imagine paying $ XXXX+XXXX   annually to keep cards with frozen points particularly after a freeze prevents me from getting an award ticket.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to have XXXX remove an unauthorized XXXX XXXX with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed several collection accounts on my credit from Amcol Collection agency.I requested validation of the debt from them, because I have insurance and paid my part. my insurance sent me a copy of the claims showing the debt to be paid. This agency ignores my requests for validation and proof that the accounts are erroneous and are paid. They continue to report this inaccurate information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
State: NV
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 sent several letters to the credit bureau asking to have student loan that was paid removed from my credit report this has not been or corrected and I don't believe it was investigated because I called the Board of Education and the Debtor myself only to be told that I do not have an account in default with them. I am also in school and have checked the status of those loans and they are in deferment I have sent several request only to get the same response please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2020 I discovered a fraudulent account in my name issued by Wells Fargo. I have notified Wells Fargo of this fraudulent account and submitted Identity Theft documents

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 2019-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2016 Colelction agency- XXXX XXXX XXXX  Balance : {$5500.00} I have contacted Equifax multiple of times asking to investigate this account on my credit profile and they just respond saying verified a identity therefore report was filed months ago as someone else was using my social so I went into the social security office and received letter XXXX XXXX and I continued to dispute it and all they respond saying is verified as accurate never sent any proof or why they are saying its accurate. This same account was deleted from XXXX and XXXX but Equifax is not doing their job correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am a victim of the fraudulent loan practices from Wells Fargo for my auto loan from 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 2021-05-02
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX had reported a frivolous collection on my credit report, that had frivolous charges associated with it for which I was about to file the attached lawsuit against them for. 
XXXX XXXX agreed to remove the account following notice of legal action, ( see attached letter of deletion from XXXX XXXX However now United Collection now is reporting the account. 
I am hereby serving notice to United that I am disputing this debt and I refuse to pay it and I will proceed with filing a suit in the even United continues its collection endeavors and reports this account on my credit report

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 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 is a inquiries on my credit report that shouldn't be there! And I want them removed as soon as possible. My name is XXXX XXXX XXXX! And the person that has applied for credit name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CBC Companies, Inc.
State: MD
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 XXXX XX/XX/XXXX, I received a letter from Innovis ( XXXX XXXX XXXX XXXX XXXX, OH XXXX ) dated XXXX XX/XX/XXXX. 
" Per your request a Security Freeze is in place on your Innovis Credit Report. We are writing to inform you that the following information was recently added to your Innovis Credit Report -The Birth Date XX/XX/XXXX was added on XX/XX/XXXX I do not have a relationship with Innovis XXXX 
I did not request a security freeze I did not add a birthdate. 
In order to challenge this information, Innovis wants copies of my Social Security Card ( I have been told to never provide a copy of my SSN ), Driver 's license, address history, and the PIN code from the freeze. Since I didn't initiate the freeze, I don't have the PIN. 

I am the recent victim of identity fraud and severely limit the distribution of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2019-02-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019, I wrote a check in the amount of {$4000.00} to XXXX XXXX which he attempted to cash at the Wells Fargo branch in XXXX XXXX at XXXX XXXX XXXX XXXX. Upon learning of the holding period of cashing such an amount, he requested they not deposit it into his account and took the check back, giving it back to me to be destroyed so I could write him a check for a smaller amount. The check I wrote XXXX from my XXXX XXXX account, check XXXX was subsequently destroyed. Unfortunately, Wells Fargo had already cashed that check and the funds were taken from my account. XXXX requested the transaction was reversed and the funds were taken out of his account. The manager of the bank informed XXXX the transaction had been reversed and that I should see the funds within 24 hours. It is now 5 business days later and that {$4000.00} is nowhere to be seen. Wells Fargo has kept the money and not issued a refund for their unintentionally cashed check. Upon visiting the branch I was given the same " 24 hour '' timeline for the funds to be refunded to me, yet I have not seen any of the money they took from me. I even asked for them to write me a check which they refused.

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 2019-02-27
Company: JPMORGAN CHASE & CO.
State: NV
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 client, XXXX is a victim of identity theft. He was notified by your Chase/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his credit reports with XXXX, XXXX and XXXX XX/XX/XXXX related to that application. A formal dispute of that application was sent to Chase/XXXX XX/XX/XXXX, as of this date no reply from ChaseXXXX has been received. This is a violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased something for about {$230.00} from Best Buy. I was supposed to pay it interest free in 90 days. The first payment was a few days late, but I paid the balance in full. Citibank charged a {$27.00} late fee. I protested but paid the fee. Citibank said they would close the claim. However, they continue to charge {$27.00} each month, a late fee on a late fee on a payment made early. The late charges total {$130.00}. They have reported me to the credit agencies. This is a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I did not authorize anyone employed by XXXX  XXXX to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion is exploiting the security catastrophe caused by the malfeasance of XXXX. TransUnion is charging {$10.00} to freeze each credit history account ( which I was forced to pay to freeze my credit ; order # XXXX from 2017XXXX ). With highly private information stolen from 143M people, TransUnion can expect to receive {$10.00} * 143M = {$1.00} XXXX. What 's special about this amount is that TransUnion earned $ XXXX in revenue for XXXX. Hence, TransUnion will more than *double* their revenue by exploiting the American public who were impacted by the incompetence of XXXX. This is an unacceptable business practice and shows the contempt that credit bureaus have for the American public. 

Shame on TransUnion for not doing what 's morally right by removing fees to freeze credit history.

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