BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: AES/PHEAA
State: MD
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:
When I filed out my Income-Based Repayment ( IBR ) for 2018, I went to the student aid government website but somehow got redirected to my fedloan website. FedLoan is 1 of  my 2 loan servicer 's. I filled out my IBR on fedloan.org, instead of the federal student aid website. I had never done that before and did not realize American Education Services ( AES ) didnt get my IBR. AES also did not have the correct contact information for me, even though I have had the same telephone number for over 15 years. Once I finally realized the mistake, I filed out my IBR for AES. Usually when I fill out my IBR, my current balance decreases, or is zerod out. With my other loan servicer FedLoan it decreased b/cthey immediately applied a forbearance to the outstanding amount owed before my IBR was processed. However, AES my 2nd loan servicer never applied the forbearance and let that large amount carry over each month. I noticed it was being carried over, but in the past it has taken a few months for that decrease to show up on my bill. I also recently noticed they were charging me a {$40.00} late fee as well, even though I was making my IBR payments on time. After receiving several bills with the large balance, I just went ahead & paid it in full. In the meantime, I had been making my IBR payments on-time every month. Currently, AES has reported me to all 3 credit bureaus as being over 180 days late even though I have been making my IBR payments every month on-time. 
I sent American Education Services a letter only requesting that they change my late status to all 3 credit agencies as on-time, however they denied my request. When I looked back at my online bills I noticed the late fees AES was charging me. I believe they never applied the forbearance and have no desire to work with borrowers so they can scam more money out of people. The late fee is almost {$40.00} a month. I was being charged {$40.00} a month for 8 months even though I was making my IBR payments on time. FedLoan servicing received my IBR, applied my forbearance and I have had no issues what so ever. I'm sure if you look further into American Education Service 's business practices you will find other victims of their fraudulent, and dishonest activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: ALLIANT CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I requested that my Credit union attempt to recover funds I wired to XXXX per the situation summarized next. They said they could not help me. I wired {$85000.00} between XXXX and XXXX to the " Escrow '' account. After eight wires, they said they would not wire any more funds for me, but they would not tell me why. I asked my credit union if this was a scam and I also reached out to the wire company and asked them if I was subject to a scam and they said they could not tell me anything except that they would not wire any more funds for me. I found the Escrow company listed on the North Carolina government page under businesses and it even listed the person at the company with whom I was working - XXXX XXXX XXXX XXXX, XXXX XXXX, so I thought this transaction was legitimate. I proceeded to send another {$80000.00} through my bank. This was my life savings and it is now gone. This was the biggest mistake of my life and I can not believe how easy it was to have so much money stolen. I signed up to sell a timeshare and make a decent profit as I had selling my house, but wound up in dept, ashamed, and broken. These people must be stopped. 

SCAM : I was called by a XXXX rep in XXXX and asked if I wanted to sell my timeshare at the XXXXXXXX XXXX in XXXX. I said maybe. I was sent a letter of intent to purchase and I checked the North Carolina Gov website to see if this business was listed and it was. I signed and returned the agreement. XXXX XXXX with XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX, phone XXXX, email XXXX emailed me information about the opened escrow account. I was told I would need to wire funds on different occasions, but that I would be reimbursed. I checked the North Carolina Gov website to see if XXXX XXXX was listed and it was and even indicated XXXX XXXX as the owner. I proceeded to wire and then bank transfer funds as requested, but at one point asked for some type of guarantee that his was not a scam and that I would be paid. XXXX XXXX XXXX CEO XXXX XXXX  called me and sent me a notarized affidavit guaranteeing that I would be paid. The last time I talked with XXXX and XXXX on the phone they told me the funds should be in my account within 48 hours. That was now over a week ago and my repeated phone calls, voice mail messages and email have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: VA
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 went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last month I contacted Nordstrom regarding a late fee charge. I was told that the charge would be reversed. Which was a relief because I am on a strict budget. 
When I made my payment this month on XX/XX/XXXX, I was told that the fee still hadn't been refunded and I should only make the minimum payment, which was {$44.00}. So I made that payment on time. I thought the situation was worked out. 
However, this morning I received a call from Nordstrom stating that I owed more money due to the previous late fee charge. I explained that the fee was reversed and the customer service representative said no I still owed more money, which does not make sense. 
I went back and forth and finally decided to pay the amount of {$27.00}. 
Before we ended the call the representative said I was going to be charged AGAIN charged for a late fee. I didn't understand and he did not completely explain what happened. 
He said my new minimum payment would be {$80.00} next month. He said the charge " jumps '' up automatically when I am late. However, I was not late and I feel that Nordstrom Credit Card services is acting in a predatory manner towards me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
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:
Consider this as a follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2018-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2018 I was defrauded and scammed into depositing {$1000.00} is dollars using XXXX quick pay from my CHASE account to a XXXX XXXX XXXXXXXX account. Im currently working with law enforcement in XXXX XXXX XXXXXXXX where I live and with law enforcement in XXXX, Florida where the account holder of XXXX  XXXX XXXX lives. I mmediately contacted both banks within minutes of transferring the funds. CHASE at the time of my claim only gave me the option to submit a claim and all I can do is wait. Its now been 6 days and CHASE has not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
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: Account status incorrect

Complaint:
Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: IN
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 the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Navient Solutions, LLC.
State: HI
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:
Navient Solutions , LLC - Incorrectly processed my loan payments on multiple dates. 
*most recently that I found, were on XX/XX/2019 and XX/XX/2019 * {$490.00} and {$690.00} - Incorrectly calculated interest fees prior to faulty processing of payments. 
- Haven't fixed these payments after multiple complaints and escalations over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Mountain Run Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mountain run solution located XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX violated my consumer rights. 

Pursuant to 15 USC 1692 B. ( 5 ) Pursuant to violation 15 USC 1692B. ( 2 ) Ive submitted exhibit A and B in the complaint

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 2023-08-23
Company: KP ASSET CONSULTING LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have filed a complaint for the phone calls and misrepresentation. After speaking with the KP Assets again they confirmed they do not own the debt so I asked for debt confirmation/validation letter. Again the repress themselves as a mediator and threaten legal action contact family and friends etc. They work with a company called XXXX but act as if they are not affiliated. 

I requested the calls to stop they said no since they are a mediator. They then sent the attached document stating they were without providing all the required information of a debt validation letter.

Company response to consumer: Untimely response
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:
As a result of the XXXX data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: ERC
State: AR
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:
ERC ( Enhanced Recovery Collection ) continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry was placed on my credit reports and ERC never communicated in writing nor notified me that they were attempting to collect on this debt. I have never conducted business with ERC nor have I ever heard of them. 

Once I became aware of this entry, I immediately disputed this erroneous, inaccurate entry with the bureaus. To my dismay, the bureaus reported that ERC had verified the entry they are reporting. To that end, I disputed directly with ERC and to date, they have not responded to me. They have not provided sufficient documentation to prove the veracity of what they are alleging. ERC is blatantly reporting this negative entry on my credit profiles and updating them monthly further damaging my creditworthiness for an entry they violated my consumer rights in reporting. 
No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. 

Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that ERC has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, Bank of America made the decision to close my account for a undisclosed reason. I gave my account information out to someone over text message. They were asking to pay off my debt, and I was willing to give them that account information, now I think they have something to do with this. The company didnt disclose why they closed the account though, and that really got on my nerves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC is claiming that I owe them {$440.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital one has seized my account for XXXX loan. Stating I did not qualify, I sent all documents ( tax forms ect ). Please note this loan has already been repaid. I submitted repayment letter as well. Capital one stated the are closing my accounts and sending my personal money to lender in which is no longer owned. I qualified for LOAN and FORGIVENESS. With same documents and tax forms I submitted to capital one in which deemed unacceptable but XXXX deemed acceptable and repaid the loan. I have included proof of repayment to lender. Loan is done and over with. In which I fully qualified for anyway!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Ocwen Financial Corporation
State: NY
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: Billing dispute for services

Complaint:
During XXXX I had a family emergency. As my brother was hospitalized and in a XXXX. I reached out to PHH mortgage and explained the situation with an account specialist and paid {$1000.00}. Some to carry over to XXXX. Upon this we made an agreement about payment option due to lack of work. ( On our mortgage agreement both my fiance and I are account holder. ) In XXXX we had another conversation about catching up in the month of XXXX. XX/XX/XXXX we made a payment of {$1500.00}. XX/XX/XXXX PHH stated my mortgage went up {$630.00}. I called and found out they wrongly placed our XXXX payment elsewhere. After 2 phone calls with 2 different agents they " found '' it. On our call the agents both admitted they reported it wrong to the credit agencies Which brought our account in good standing. My credit has dropped 156 points due to " XXXX '' being 30 days late. Which it was not. I have asked them to correct this. It has all been one big mess and now my credit is the one being hurt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX for XXXX dollars account is closed and confirmed by a company representative. Paid off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM Financial reported on yesterday that my account was 30 days late. I have never received a call or letter that my account was 30 days late. When I log on to my account it shows that my account is one day late and I have already made arrangements for this payment. This is the second time that my account has been reported past due 30 days and it wasn't. Also, the amount that tI owe and the balance they are reporting is not correct. It has never been correct.  GM Finance is not being fair and is violating the Fair Credit Reporting Act. They are not updating my credit report accurately and timely. This impacts me negatively. I have never received written correspondence saying that my account was past due 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
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 have gotten an absorb amount of credit hard inquiries within the past month I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
In the beginning of XXXX, while sitting in my den at the front of my house, I saw a car drive by and someone was taking pictures. I thought nothing of it. In the beginning of XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from a lawyer 's office, XXXX XXXX XXXX, P.A., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Az, telling me my house was in foreclosure. I had no idea why. I called the lawyers and received no response ; I called the mortgage company and didn't get any cogent answer either. 

I had to hire a lawyer to find out what was happening and why. As I have a reverse mortgage on my home, I couldn't have been late in any payments. What the lawyer discovered upon speaking to the complaining lawyers, was that when that car drove by taking pictures, the people taking the pictures didn't see a car in the driveway and surmised that no one was living in the house which is a violation of my reverse mortgage. Had the come to the door, I would have answered it. My car was in the garage where it belonged. I just as easily could have been running errands, at an appointment, etc. There is an illegal foreclosure sale set for XX/XX/XXXX. Copies of letters and Notice of Trustee 's sale are attached.

Company response to consumer: Closed with explanation