BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: Academy Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Academy Mortgage Corp. rejected my mortgage application ( {$230000.00} ) because of my age. I am XXXX years old. After reviewing may credit status with each credit company and finding no negative items, no late payments or poor reviews from any creditors, and I have credit scores from each of the three credit corps ; XXXX, XXXX  and XXXX, of 800 or better. Without any negative responses they rejected my application with the standard XXXX data sheet about credit scores. Since there are no negatives on any credit report, and credit scores over 800, and my only depts a mortgage of {$210000.00}, with 8.5 years left on it, and a car loan of {$17000.00}, with an after tax income of over {$10000.00} a month and a net worth of {$2.00} XXXX dollars in property and investments ; the only conclusion reached is that my age of XXXX  years can be the only reason I was denied a pre approved ( {$230000.00} ) mortgage from Academy Mortgage Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: TX
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to Discover Card to pay my balance in full using XXXX XXXX bill pay service. I had deposited a large check, so XXXX XXXX put a 5-day hold on the funds ( other than for the bank to use my money, I don't understand the purpose of this ). The funds were to be available XX/XX/2019, so I scheduled payment to discover ( along with payments to all of my debts ) for that day. Discover received my payment early and deposited the post dated check which then bounced. My bank charged me {$38.00}. 

Neither Discover nor XXXX XXXX will accept responsibility for this problem. I am out {$38.00} and I have a blemish on my payment record with Discover because my payment was late due to this check which should not have been deposited early and in turn should not have been accepted early. Discover blamed the problem on automation ; while XXXX XXXX blamed Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Sunday, XX/XX/2022, I was trying to buy tickets for a XXXX game from someone on XXXX and it turned out to be a scam. Unfortunately for me, I did not know it was a scam until after I sent the money through XXXX using my PNC Bank account. I never got the tickets, and can no longer get the person who emailed and texted me to respond. I know it is a scam the more I have looked into it. I need someone to help me get my {$480.00} back. I contacted PNC within an hour or so of the transaction and they said to call back and dispute once the transaction had posted. It posted today so I called PNC back and they told me there is nothing they can do. Not exactly the answer I was looking for. Please let me know what I can do to try and resolve and get my money back from this scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, 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 have asked for an investigation into the matter previously. It was not corrected. I have filed a complaint with the FTC. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage XXXX  have not furnished verification to my concerns about their jurisdiction over my complaint against XXXX XXXX XXXX , XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX. Asset-Backed Pass- Through Certificates Series 2005-WCH1 and Ocwen Loan Servicing . In addition, PHH Mortgage XXXX HAVE NOT addressed in detail explaining their jurisdiction over my foreclosed account with the Trust of my property:XXXX XXXX XXXX, XXXX , PA XXXX and my Qualified Written Request for information, including documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX , XXXX XXXX , as Trustee for XXXX XXXX XXXX XXXX Asset-Backed Pass- Through Certificates Series 2005-WCH1 and all notes that should have been properly indorsed each time they were transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting to Equifax that this account is missing payments when this account is closed and paid in full. XXXX XXXX is repeatedly reporting fraudulent report and XXXX  XXXX  is fraudulent reporting the. This is repeatedly a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account XXXX XXXX XXXX is reporting incorrect balance in the amount of XXXX and payment history information to the Credit Bureaus. This account has been paid in full since XX/XX/2020.

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 2018-12-28
Company: AES/PHEAA
State: GA
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 continually been employed in Public Service since my student loans entered into the repayment phase and this has been accepted by my lender. I was told by my lender that my first three years of FULL loan repayments would be counted retroactively towards my Public Service Loan Forgiveness program once I was accepted to the PSLF program. Now I am being told that because I wasn't first registered in a preferred repayment plan such as the Income Driven Repayment Plan, these three years of on-time and FULL payments will not count as qualifying payments. I've been told that I've lost out on approximately 36 payments I've already made of my required 120 overall payments for PSLF. I paid the full amount monthly for three years which is greater than those monthly amounts required by plans such as the Income Driven Repayment Plan. This makes absolutely no sense and is a substantial time delay in my repayment process. Information given to me as I signed up for PSLF was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Navient Solutions, LLC.
State: OK
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:
Navient began giving deferments & forbearance 's for my loan, .... and suddenly I rec'v a bill for the total, ... PLUS interest, penalties - with my orig. loan being {$30000.00}, and the bill ( due immed. ) of {$53000.00}. 
A company called " XXXX XXXX XXXX '' is calling now, .... telling me my loan can be INSTANTLY forgiven! When I asked for information about the company- they just hang-up. 
Their number is : XXXX, ... ... which a search provides no information - except that it is suspected as a scam! 

I've heard that Navient is scamming people, ... & suffering from lawsuits thereafter, so I want my debt cancelled - in full! 
I'm not going to pay - just to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted ( 2 ) online disputes with Experian. The first time, they listed a US dept of Ed account as a loan with terms of 1 month and several missing and incomplete pieces of information or conflicting and unverifiable information. The balance history noted an ontime payment XX/XX/XXXX and a Collection in XX/XX/XXXX. Yet, the last payment noted as XXXX XXXX. After I requested a reinvestigation- they changed the terms to 120 months which is still inaccurate because I did not ever take out a loan from US dept of Ed.  Furthermore, Date opened is still listed as unknown, payment history is still showing the same, balance, balance updated, and recent payment amount are incomplete. 

Experian has failed to properly investigate and when I called US dept of ED they said I need to dispute directly with Experian.

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 2021-07-20
Company: Chime Financial Inc
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX I was double charged {$1000.00}. This was on chimes prepaid credit builder card. BC it was on the Credit Card, I asked to have the payment for the charge held during the investigation And The {$1000.00} put back in My account which they are refusing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report reflects inaccurate personal information regarding my former spouse. It currently reflects XXXX XXXX, as my current spouse. I have since divorced in XX/XX/XXXX. My current spouse is 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 2020-11-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am a victim of identity theft

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 2023-01-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a call from JP Morgan Chase that there had been an attempt to wire out {$8000.00} from my account. I informed them I did not authorize this. I was informed that my funds of XXXX needed to be transferred to aa new account due to the current account being compromised. dates of the transactions occurred from XXXX XXXX XXXX ranging from XXXX to XXXX adding to a total of {$49000.00}. 

I filed a unauthorized wire fraud claim with JP Morgan Chase on XXXX.I was told that JP Morgan has had their number spoofed and that fraudulent claims have been common. I was informed it would take 24 hours for the paperwork to be processed in order for JP Morgan to begin the process to recover my funds and that it would take 3-5 business days to update me. 
I called JP Morgan on the 5th day XXXX  to ask for an update. I was informed that the accounting department was working on recrediting my account, but that I needed to open a new account with JP Morgan Chase in order to refund my funds due to the old account being compromised. I was also informed that I was supposed to have filed a police report, of which I was NOT made aware of at all then I submitted the paperwork for the wire fraud claim. 
I submitted the police report as soon as possible on XXXX  JP Morgan Chase confirmed they received it and that it would take up to 5 days to process I called JP Morgan Chase on XX/XX/XXXX for an update and spoke with a account supervisor XXXX who informed me that my claim had not been processed at all and that my police report had not been attached to my claim. 

I have attempted to follow all formal processes with JP Morgan chase to correct the Situation. JP Morgan chase has not taken responsibility to correct their mistake. JP Morgan Chase has been very negligent in the process of my claim and did not make an attempt to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I can't access my Bank of America account online. I have called them several times and I was on the phone waiting for them for over XXXX and XXXX. Just for them to say they can't do anything. THey just said they would escalate the problem but would not give me any number or trouble ticket for this problem, nor give me a time line when it will be fixed. This is unexpectable customer service. I need access to my account records to do my taxes and they are unconcerned.

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 2023-05-15
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The original debtor never sent the bill to me. They sent ONLY to a debt collector. When I received the bills from the collection agency They were over the amount I should have been charged. The original debtor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX. The Debt collector is Credit Service Inc, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
State: IL
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 have disputed this collection on this XXXX XXXX XXXX  XXXX XXXX for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2020-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Receiving two credit card charges every month from Experian for more than a year. We have engaged Experian more than half a dozen times to get resolved, and while doing so we found out from a supervisor that there are actually " two '' Experian divisions billing us. Per that supervisor ( from the division that actually answers their support phone line ), they can't help us with the " other '' division that is erroneously billing us - and that " other '' division won't answer their phone even when numbers are provided to us by the " responsive '' division. We are officially at a dead end and now we are disputing the erroneously billing each month with our bank - but the charges keep coming and we keep disputing.

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 2021-05-04
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A loan of {$630.00} was sent to collections as unpaid from speedycash.com. When I contacted the collection agency AD Astra Recovery Services they advised it was sent to an attorney XXXX XXXX XXXX. I contacted their office and paid the entire debt in full with my credit card on XX/XX/XXXX. XXXX weeks later I received an update on my credit report showing that the balance was now back with Ad Astra and I owed the full balance. I contacted their office in which they confirmed XXXX along with providing them with a receipt showing I paid in full ) they received the payment from the law office on XX/XX/XXXX but proceeded to update my credit report on XX/XX/XXXX showing the balance was still owed??? I asked that it be removed because they did in fact have the full balance however, I was advised that because they received the payment on XX/XX/XXXX it can take their office weeks to update their system XXXX even though they acknowledge their system is currently showing as paid ) and in turn my credit report, which made no sense as they updated the report as owed on XX/XX/XXXX. In essence, even though I have paid in full, and their office has acknowledged they show my account was paid to their office in full on XX/XX/XXXX, they will continue to report my balance as owed IF they ever get around to wanting to fix the fraudulent update to my credit report. As a consumer, I am at a loss and very frustrated that between this many entities I can not get any assistance and their offices continue to tell consumers that even if paid, they have no obligation to accurately report any information. At this point I dont know what consumers could do, other than contacting an attorney and being forced to spend funds there to get recourse. This payday loan was a nightmare and now almost 2 years later I am still dealing with this issue as are XXXX others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX will cal repeatedly ( 6-7 times in less than 2 hours ) in attempts to collect a {$50.00} payment that is less than 2 days late. On XX/XX/2019 they called me 6 times between XXXX and XXXX XXXX from various phone numbers.

Company response to consumer: Closed with explanation