BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
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: Old information reappears or never goes away

Complaint:
Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXXCreditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00}XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} XXXXighest Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
In XXXX of XXXX a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion Honda financial still had a XXXX balance. But she this car was purchased directly from.honda we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. Honda financial has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from XXXX XXXX through XXXX XXXX XXXX. I used XXXX dollars of the XXXX loan to make purchases at XXXX XXXX. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX/XXXX XXXX has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Caliber Home Loans, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CALIBER HOME LOANS XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX USA Account was paid off and sold to another lender it ; s still reporting negative on my account it was disputed with the lender to remove and why it was paid late due to hurricane season and My sister passing of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: U.S. BANCORP
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On Wednesday XX/XX/XXXX spoke with a Jade after XXXX and advised her I didnt have the card. She stated to me she was unable to change my address in the system to get a new card - and told me there is money on the card and its inactive- well yea it expired in 2019 and never got sent a new one. I need a new one I have been calling every day since and I have been on hold for almost 6 hours before I hang up. 6 HOURS?! Someone should have answered by then, and this is happening more than once. I have done a change of address at the post office so if she sends the card to my old address I will still get it. I need my funds my rent is due and these people dont answer the phone and she never offered to go ahead and send another one she just wanted me to call someone else. I called those people and my address was updated so someone XXXX  up and I need my money I dont have any food and my car note is due and my rent is due I dont want to be living on the streets. My landlord said I had to pay my rent. I have money on the card its my money.

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 2018-01-14
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:
Equifax previously deleted and permanently blocked the following fraudulent and unauthorized accounts between XX/XX/XXXX-XX/XX/XXXX from my Equifax credit report, now the accounts is back on my Equifax credit report : XXXX XXXX XXXX and XXXX XXXX. The accounts are fraudulent and unauthorized, and dont belong to me. Equifax previously deleted and permanently blocked the accounts from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I requested my capitalone credit card and they sent me one after I made a payment which left me with a balance they closed my account and have not let me know anything else but it 's affecting my credit score now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I have been lied to by Capital One Auto Finance. Here is what happen to me. I set up a payment plan with Capital One Auto Finance. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report. 

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: NC
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 submitted a dispute to Equifax for my XXXX XXXX XXXX account which was reporting inaccurately. I included my full credit report and supporting documentation highlighting the many inaccuracies contained in the report. I got the dispute results which did not address any of the questions raised in my dispute letter. Equifax did not meet its obligation under the Fair Credit Reporting Act. I am therefore filing a dispute so that the XXXX XXXX XXXX account can be deleted from my Equifax report for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
During a forbearance period ( back in XX/XX/XXXX with Citizens Bank NA ( DBA Citizens/Citizens One ) I was making principal payments ONLY. I was just notified on XX/XX/XXXX that I was not able to make such payments, if any payments received would also be applied to my monthly payments as well. I requested proof of this policy which I never received. 
I was asked to provide proof of all payments that was misapplied. I complied with this request and faxed copies accordingly. Said payments were NEVER applied as agreed. 

I have spent hours trying to reach a manager, the correct department that supposedly made this issue and have yet to hear from Citizens. 

Today XX/XX/XXXX I tried again to discuss this matter with a manager and was advised that the manager would NOT take the call that they would get back to my by EOD. As I type this complaint it is XXXX EST and NO callback from anyone. 

I want my payments applied correctly and proof that my loan principal amount is well below $ XXXX per my records and prior agreement from an agent by the name of XXXX XXXX and " XXXX ''. I was also advised today, that for most of the conversations I've had with Citizens, there are NO notes. Per their upfront recording all calls ARE RECORDED. Although there are no notes, they have records of my calls unless they have destroyed them ( which wouldn't surprise me with this company ).

I'm trying to pay ONLY what I owe hence, the reason I want my principal ONLY payments applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: LA
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:
There are many mistakes appear in my report without my understanding.

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 2018-01-14
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we paid ourXX/XX/XXXX mortgage payment of {$1200.00} by USPS certified mail. Chase misapplied our mortgage payment as a principal reduction payment onXX/XX/XXXX. Chase reversed the misapplication on XX/XX/XXXX after numerous secure messages and a certified letter. Chase refused to send our XX/XX/XXXX mortgage statement from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, Chase uploaded our XX/XX/XXXXmortgage statement to the Chase Mortgage Online site. The actual XX/XX/XXXX mortgage statement was backdated to XX/XX/XXXX. I received the XX/XX/XXXXmortgage statement by USPS on XX/XX/XXXX. Chase is backdating customer financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: AES/PHEAA
State: MD
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:
Several issues with payment count due to issues on their part several were corrected but Payment counts are still incorrect. They requested request in writing to be uploaded to my account. This was completed the first issues were corrected but i have been waiting almost a year ( XX/XX/2018 ) for a recount and correction. Payments have been completed on both subsidized and unsubsidized loans equally yet counts are off by varying amounts with Max different of 12 payments. I feel as though 10 months is ample time for this to have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-07-22
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've been on the PSLF program since graduating from XXXX  school in XXXX. At that time, Fed Loan Servicing took over my accounts and I've been making monthly payments ever since ( while employed at the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX ). 

Fed Loan Servicing has recently made several mistakes in handling payments on my account which has required me to make no fewer than 15 calls to get straight answers and get my issue resolved. Several months ago, Fed Loan Servicing agents promised to conduct a review of my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to ensure they are " qualifying '' payments. Most recently, I've tried to get answers about the status of the review ( which has been going on for months ), but I've been told that Fed Loan can not provide me with any information or even an estimated time frame when they can complete the review. As I close in on 10 years of payments, this is very distressing. This is also extremely frustrating and not the only time I have had serious issues in getting answers from them. In some cases over the past couple months, I've had agents provide incorrect information. ( For example, when the company involuntarily placed my account on " forbearance, '' they stated that it would not affect my credit score ; it did and I had to file a CFPB complaint just to get the issue resolved ). 

What I want is for the company to complete its review of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, to confirm that each of the payments have been applied to PSLF, and a final accounting of all the qualifying payments I've made over the last 9 years, because I am getting concerned that, based on past experience, the company can not be trusted to get the information correct or to do the right thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
At the end of every year NewRez pulls this non-sense. Always trying to make me pay a double payment even tho I add the {$18.00}. Payment runs from the XXXX to the XXXX after that the late fee of {$18.00}. Straighten them out on this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: TN
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:
Good morning. There are inquiries on my Experian credit report that I did not authorize. I 've called and written them letters and I 've yet to get a response. Below are the inquiries that I did n't authorize. 

XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/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 2021-02-18
Company: AES/PHEAA
State: NE
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:
I have filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent a Bitcoin transfer from XXXX to XXXX at XXXX XXXX - XX/XX/XXXX XXXX. As of XXXX XXXX. The transfer has still not gone through. XXXX still does not show the XXXX transaction hash ( the hash shows for previous transfers ) and the XXXX is nowhere to be seen on either of my accounts. The transfer was for XXXX1 XXXX. 

I contacted XXXX customer support one week after the transfer and have still not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
The Inquiries listed below, are what needs to be removed : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for Capital One, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: SUNTRUST BANKS, INC.
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 information incorrect

Complaint:
In XXXX of XXXX, I took a XXXX  dollar 84 month installment loan from XXXX XXXX through Sun trust INC. I used XXXX dollars of the XXXX  loan to make purchases at XXXX XXXX. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX/SUNTRUST Inc has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from 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 2019-04-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
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:
XX/XX/XXXX, I requested my First Citizens Bank Credit Card reward points to be deposited into my checking account with First Citizens. The Amount of  XXXX was never deposited. I have attempted three times since XX/XX/XXXX to start the process again. 
First Citizens has put in multiple expedited requests but they go unanswered. I called again on Monday XX/XX/XXXX and a very rude representative from the Credit Card Department told me she couldn't do anything for me. She then asked if there was anything else she could help with and she hung up on me. 

I have not received any follow up calls on my requests. Since then my Credit Card has been closed and i have not had any movement with this. The phone number that I last received a call from was XXXX, on XXXX XX/XX/XXXX. She would not give me her name and was completely insistent on not being able to assist. 

I would like to submit this complaint to have First Citizens Bank honor their promise in fulfilling my request to have my rewards of XXXX deposited into my Deposit Account. I am looking into consulting with my Attorney. I feel that this is a violation of UDAAP. This was a rewards card which I had rewards available  prior to my account being closed. The request to transfer my rewards was never fulfilled which is a violation of the marketing for this Credit Card.

Company response to consumer: Closed with explanation