BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for re-financing with my current mortgage company at my current residence back on XX/XX/2020. It has been one delay or surprise after the other and often I am the one doing ALL the follow up. Delays include documents going into someones spam ( or so they claim ), them trying to push the responsibility of finding HOA documents on me, delayed and/or inconclusive responses to my email inquiries and also big surprise half way through the process that my mortgage is being sold before I close. I won't go into too many more details here but I have many emails documenting my claim.

It has been almost 60 days now and my life has been in the balance. I haven't been able to make any major purchases, takeout a new credit or other for going on 5 weeks now plus all uncertainty and during this time is is causing me a lot of grief and stress.

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 2017-09-21
Company: Navient Solutions, LLC.
State: CO
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:
My loan was suppose to be fixed rate. I consolidated my loans with XXXX XXXX which sold to XXXX. its been XXXX since then them changing my payment plans, when the loan is finally paid off. Originally my paperwork states XXXX. Last time tho last year they sent out indefinite will increase for as long as they gather interest rate. The variable changes greatly as I pad XXXX a month roughly and only XXXX goes to principal and its been that way since it was transferred but was bad even before and I have been paying it it since XXXX. XXXX  years almost XXXX and its only gone down XXXX dollars, it was XXXX k something XXXX roughly XXXX and now its XXXX. I have another school loan that was predatory from XXXX that I finally had enough and am paying back at XXXX a month which will be completed in XXXX. I cant afford much more with this company and they wont work with me and play games. 

I am a normal hard working person who has been been late or missed a payment. This is so predatory. almost XXXX years of XXXX year original loan I took out and its only gone down XXXX? on top of that they went from XXXX to now .... XXXX???????? How is this possible I never signed anything stating they can do that nor was I told about it when I was XXXX living with family and desperately trying to afford college. In which case my degree from XXXX was obsolete ( print design ) by the time I graduated. So Im stuck here. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Shellpoint Partners, LLC
State: MN
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX and XXXX. Despite sending them request to provide a proof of last payment and documentation that these accounts belongs to me, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. They did not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting incorrectly on my file : NEW RES-SHELLPOINT MTG XXXX Date opened XX/XX/2017 Balance {$0.00} ; NEW RES-SHELLPOINT MTG XXXX Date opened XX/XX/2017 Balance {$0.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: SYNCHRONY FINANCIAL
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:
Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX synchrony, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.

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 2021-02-25
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After multiple phone calls to TIAA bank and also using their online contact forms I am unable to obtain my 1098 tax form from the company.

Their email reply to me is to retrieve the 1098 from their website. I have replied twice with this text below that they either are not reading or are ignoring : -- -- -- -- -- -- -- -- -- -- -- -- -- When I sign in and click on " View Year End Statement '' it still displays a message saying " Requested 1098 File Does Not Exist ''. 

I did not receive a XXXX statement with the 1098 and now I've just received my XXXX bill. 

If you can not fix the website then just attach my 1098 PDF to an email and send it to me so I can complete my taxes. 
-- -- -- -- -- -- -- -- -- -- -- -- - This is getting serious as it is preventing me from completing my 2020 taxes. This is costing me money and will eventually force me to deal with the IRS which I have never had to do before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I did not receive my Social Security payment for XXXX and XX/XX/2020. 

Social Security Administration said they sent the payment to Direct Express. 

Direct Express said they did not get any from Social Security. 

Both are ping-pong me back to each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, - 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 2022-08-05
Company: ADP Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/2022 I contacted the customer service number XXXX XXXX from my Wisely card mobile app after a transaction failed to post. After speaking to a representative I was told that the employers account was no longer active, and was told that I would need to upload 2 forms of ID to unlock my account. After the third time uploading the documents with the provided link sent to my phone the representatives continually tell me that they have not been received the documents. 

I've asked them is there other way to verify the information required no response other than to retry it again. 

I've attempted this afternoon to call using the ADP support help center line XXXX XXXX which is ONLY for business clients not employees. So after searching their site and finding a hissycat complaint form I've finished filing my complaint on the ADP website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Navient Solutions, LLC.
State: RI
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:
When I received a nearly 10k stipend for serving two years in XXXX, I thought my lump sum payment would have paid my XXXX loan in half. That was in XX/XX/XXXX. Would you believe I still have XXXX to pay on that loan in XX/XX/XXXX? 

How could this be? I was told by navient that after paying the lump sum I did n't have to pay for a few years. I assumed this meant that they were using my government stipend to pay both principal and interest. But not so. In essence they put my loan on a deferment like status ... What they call 'advancing the payment date 's so that during the time I was told I did n't have to pay, interest was accruing. 

A few years later when I started paying again, I owed a lot of interest. What I did n't realize was that all my payments were going to that accrued interest and for years my pricipal was getting hit with more interest as I slowly paid down the accrued interest only. Again, I did n't realize all this until it was too late. 

At the end of the day, through confusing practices, they swindled a young college graduate out of her hard earned government stipend. 

In the end, I am fiancially stable ... But it does n't make it any better. And for thousands of others like me that are still struggling we must take action against navient a d other loan servicing companies like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX  ) I am not sure how this happened. I  believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One said they have closed all accounts due to a business decision. However, if this the case how was the investment account not closed? I had to go through several means to get the investment account closed. Capital One explained why they could not send a postal confirmation. Just wanted clarification in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Freedom Mortgage Company
State: PA
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:
( This is a continuation of a previous complaint ) XXXX XXXX XXXX from Freedom repeatedly justified the credit inquiry on XX/XX/XXXX by providing a letter via Freedom 's records signed by the loan officer,  XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second credit inquiry. 
That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. My records show ( and I have repeatedly provided ) email transcripts between myself and XXXX, where I specifically told him a month prior I did not want my credit pulled a second time. After it was pulled on XX/XX/XXXX, XXXX stated in another email that he would have the second inquiry removed off my credit report within 10 business days. My records also display the text conversations with XXXX on XX/XX/XXXX, immediately inquiring why my credit was pulled after I was alerted to it, and XXXX stating he would look into why it was pulled without my consent. Obviously I did not give him consent on XX/XX/XXXX, and XXXX was aware of this, as seen in the text conversation that day.

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 2020-10-18
Company: Kriya Capital, LLC
State: TX
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:
Credit Repair company has sent letters off on my behalf, but the collection agencies have not responded, corrected inaccuracies, or verified the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$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 2023-01-22
Company: EQUIFAX, INC.
State: FL
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:
Equifax, XXXX and XXXX are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never supersedesFederal Law. Also15 U.S.C 6802 B - I was never given the option to opt out! Please remove all late payment transactions. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: CA
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, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX U.S.C 1681 Section 604 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2. ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: AZ
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:
The company is XXXX credit Card. I have a credit card showing on my bureau that is not only not mine but one I've not received or applied for and it just appeared with a balance of {$930.00} all past due. When I told them they said it would be verified and removed of which they won't do. They say they will correct this and just never reply. Ive attempted to dispute 2 times by calling them and also XXXX dispute online with Equifax.. All they do is update the date and never provide me or the bureau how or why the appears. By just updating a date it seems the bureau thinks its fixed. they are playing games with my credit report. Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: JPMORGAN CHASE & CO.
State: NJ
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 disagree with the last complaint they did not address the issue. chase auto has Not been reporting accurately to XXXX credit bureau.Chase auto state theres a block from XXXX which is a different company from XXXX. chase as advised me they '' re not going to report my account anymore to the credit bureau, but at the same time state they reporting accurately.XXXX   says they can not change anything on my consumer report unless chase auto update the account. The balance your reprting i owe is incorrect..the status they '' re reporting for this account is incorrect.I disagree with the accuracy, completeness of the following information as being erroneously included on my credit report, as i advised on more then two separate occasions, more than 75 days ago again 40 days ago. Under FCRA thats in Violation, to  continue to report inaccurate information sec 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for a SBA loan and was granted {$31000.00}. I had it sent to my checking account in my name, since I do XXXX  as a XXXX XXXX. The credit union started acting very suspicious after I asked about removing the money for XXXX  reasons. I was asked for all types of documentation and I supplied everything asked of me. They would not release the money. They were not properly instructed on how the loans worked and who was entitled to receive them. They eventually said they would sent me the money in a cashiers check, but in reality sent it back to the SBA. My XXXX  has been suffering because of these situation. They closed all my accounts and shut me out totally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: MI
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:
This is my 11th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-14
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection is reporting TWICE on my credit report. with two different account numbers. XXXX and XXXX same dollar amounts. i don't know what they are trying to pull. This does not appear to be legal and it appears to be shady collection practices.

Company response to consumer: Closed with explanation