BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: Utah System of Higher Education
State: NC
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:
XXXX XXXX XXXX XXXX by uheaa will not allow me to make a principal only payment. I am currently paying more than my contractual payment requirements and would like to focus on paying down the principal balance. When I have contacted the servicer in the past, they have informed me that this is not possible and any accrued interest would have to be paid first. I would like to have the option of paying only principal. Additionally, when I navigate their website, the links to the payment application information ( how my payment will be applied ) do not work. I would like be to provided with the payment application that explains how the payment hierarchy works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
After making a {$1500.00} payment to my credit card on XX/XX/2021 lowering my balance to {$1000.00} on that card Equifax reported my balance to be {$2600.00} even after claiming that the new update was received on XX/XX/2021, I filed a dispute on XX/XX/2021 and the inaccuracy was corrected on XX/XX/2021, but the inaccuracy and acknowledgement was only corrected on the notification that they sent me and not on my credit report I called Equifax on XX/XX/2021 and explained my concerns and gave the reference # for this dispute ( they have several other reporting inaccuracies that I have disputed based on when payments were made and when they did updates after payments were made there was ample time for that update to be reflected on my report ) How is it that XXXX XXXX is able to have the correct information and this Major credit reporting agency ( and the other two ) has so many inaccuracies? These companies hold the livelihood of millions in their grip either this is willful and intentional or incompetency, Either way there need to be serious investigation into their practices, I would encourage anyone going though something similar to just document EVERYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Unable to come to an agreement on interest rates on used car loan when my credit was good. Now Im behind on payments and my credit got worse I e been upside down on this loan with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
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 am a Connecticut resident in an out of the state and coming to visit for months to the State of Florida XXXX County/ Back in XXXX I was stopped by my fiance because supossely he was speeding. The policeman made us park in the mall parking lot near by. The cop asked me to get out of the car and I removed my seatbelt I am a seatbelt faithful driver and passenger. The cop lied about me not wearing the seabelt and lied about stating I was XXXX years old at the time. I was XXXX years old and I gave him a copy of my drivers license he proceeded to do a ticket stating I was not wearing the seatbelt and I was XXXX XXXX XXXX. I also was informed although unaware because I moved many times in the state of florida that I had another ticket for failing to stop in a yellow light camera back in XXXX. My son drove my car to work many times and I was in the state of connecticut at the time of the ticket. I am going to contact an attorney because this two unfair discriminatory tickets had ruined my life and they will have to show in court I was driving the car in XXXX despite of If I own it. And prove that I was XXXX at the time and not wearing my seatbelt my exfiance can testify we are not speeding or I was wearing a seatbelt. The cop saw a Connecticut license plate and decided to make his cuota in our expense. I want to dispute these charges and demand proof I was driving and I was XXXX years old or failed to put my seatbelt. This is preventing from getting a job

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an addition to my original complaint from back in XXXX XXXX with this company. Rushmore loan management Services. I did get a response that you sent me stating that a man named XXXX XXXX who was really another relationship manager. Well i did call him thinking that he was a CEO, or an administrator or some kind of an executive of which i ask for, that can be verified. But instead i only had this XXXX XXXX who said to me that the only person that could help me was the person that caused the problem in the first place. I could not believe what he was saying. But it came to me that he was protecting this person named XXXX XXXX. So i did tell this XXXX XXXX that i did not want to deal with him or any other relationship manager. Well after that i had so many relationship managers call as if to harrassed me. I ask to speak to an executive that i can verify that is who they are. This group of people have been playing games, until it makes me wander if there is a CEO, or is this just a group of people or working from with no supervisor. This has been going on so long to cover up what really did happen, and this XXXX XXXX is really trying to protect her. He has not been a very nice person. I have all the names of the other relationship managers who has been steady calling me. My complaint was to be able to speak to someone in charge, but what are they trying to hide or cover up. This is very strange for any company. Usually by now someone in charge would have called to find out the problem. The company is Rushmore loan management services. My loan number is XXXX. If you look back in XXXX XXXX you will see the complaint i did before. Nothing has change, it has gotten worst. I have a feeling that this complaint will go to XXXX XXXX the relationship manager. They go by your loan number and whoever that person is, is responding back to you. I do not feel that it ever got to an executive. I would like to know how you can find out to make sure this gets to the right person. And i would like a name and a contact phone number, so i can make sure of this persons credentials. Maybe there is only investors that put this company together. Please look into this. How is this protecting me if we can not get to the bottom of this, especially since i have told all of the relationship managers that i am not going to deal with them. The first two people i had seemed to be honest, but since them it has been a very hard ride and it seems as if no one cares. If you have people that are dealing with the public they would care about an complaint. But this has been too, too long. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Executive Office Mail Code XXXX XXXX XXXX XXXX XXXX, OH XXXX CASE REF : XXXX / CFPB XXXX XXXX XXXX I received responded latter from I submit complain though CFPB. 
Today ( XX/XX/2019 ) I went XXXX XXXX and given paper check # XXXX amount of XXXX has been declined. 
Seven digit dined reference # XXXX I am already tired with dealing with issue and I am going to serious legal action soon. Please fix this issue as soon as possible. 

Please approve debit card as soon as possible. 


Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: First Data Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 TeleCheck XXXX XXXX   XXXX XXXX XXXX, MD XXXX CFPB Complaint XXXX - TRACKING NUMBER XXXX XX/XX/2019 I received XXXX XXXX responded latter from I submit complain though CFPB. 
Today ( XX/XX/2019 ) I went XXXX XXXX and given paper check # XXXX amount of XXXX has been declined. 
Seven digit dined reference # XXXX I am already tired with dealing with issue and I am going to serious legal action soon. Please fix this issue as soon as possible. 


Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: FACTUAL DATA CORP.
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:
I have noticed that FACTUAL DATA have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both FACTUAL DATA and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Hello, Transunion still reporting Released Tax lien, I 've sent 3 notarized certified letter and they are still report after XX/XX/XXXX Released date XX/XX/XXXX Reference number XXXX Name : 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 2017-07-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
AS OF   XX/XX/XXXX   MY CREDIT SCORE WAS  XXXX . I HAVE NO NEW INQUIRIES AND NO NEW ACCOUNTS IN COLLECTIONS. AS OF  XX/XX/XXXX    XXXX   XXXX   UPDATED MY CREDIT REPORT AND INSTEAD OF EQUIFAX ADDING THE NEW POINTS FOR A NEW ACCOUNT THEY TOOK THEM AWAY. OLEASE INVESTIGATE THERE IS NOTHING INDICATING WHY THE SCORE WENT UP WITH   XXXX   AND  XXXX  AND DOWN WITH EQUIFAX. I AM SURE THIS WAS A MISTAKE AND NEEDS IMMEDIATE ATTENTION. PLEASE FIX PROPERLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charged XXXX by XXXX XXXX XXXX for a XXXX on XX/XX/14 for a child named XXXX XXXX. I contacted the doctors office to let them know that this wasnt my child my sons name is XXXX XXXX and that he did not receive a XXXX  when he was born. The office did not fix the problem and sold my case to XXXX collections who then added this debt to my credit report. I tried to dispute this charge and it was denied because the creditor claimed that it was a valid collection however when I received the claim in the mail it said the responsible person for this childs medical bill was a man named XXXX. When I spoke to XXXX they said they would remove the collection off my account because they saw the error but this collection is still on my account so nothing has been done by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, I am writing to you for TransUnion they made a huge mistake They received my dispute letters via Certified Mail I checked with tracking by USPS I will include that in my attachments. 
TransUnion received my dispute letters on XX/XX/2019 It's been XX/XX/2019 and still no reply from TransUnion so I sent a non response letter on or around XX/XX/2019. 
I finally received my credit report I recently disputed from TransUnion on exactly XX/XX/2019 As I opened the envelope too look at my credit report it dated On the report papers it was made on XX/XX/2019 So I looked through the dispute letters carefully. 
As I looked at the envelope it dated as a postage stamp on XX/XX/2019. 
So they are trying to be slick and play games with me They fixed everything in hopes I don't catch the date postage mark. That dates XX/XX/2019. 
Everything will be with proof included in the attachments from the date TransUnion received my dispute letter to the date I got my updated credit report back to the date stamped on the postage stamp by TransUnion. 
By law if it is past 30 days I do not get a response within that timeframe everything I disputed needs to come off my credit report. 
I'm just very upset with TransUnion playing games with me. You will see my attachments Sincerley, 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 2017-07-12
Company: D2 Management LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today, XX/XX/XXXX I received a phone call from XXXX D2 Management A. they called before XXXX XXXX.
B. when i returned the phone call, they said they were looking for XXXX, but never verified my identity. C.  When I asked for prove of the debt, they declined to send it, saying they have sent it to the old address on file, being XXXX XXXX XXXX XXXX XXXX Illinois XXXX D. When I pushed to get a copy of the debt in writing, they pushed to saying that I was refusing to take pay my debt.
E. I then asked to speak to a supervisor, XXXX XXXX, and asked her the same, she refused to send proof of the debt in though the mail, and pushed to send it via email, which I continued to push for sail mail, saying it would cost them postage. Saying they have sent it to my old address on file, someplace I have not lived at since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One failed to follow mastercard policy and the law regarding my dispute with XXXX, aiding XXXX in defrauding me. 

I was charged {$99.00} despite having cancelled a service before the billing date. The service was online classes and I did not access any content. There is no way to reach a human being at XXXX so I asked for Capital One to initiate a dispute. They did so but pursued it incorrectly, so I have paid for something I both cancelled and did not receive. I did not receive any notice from XXXX that I was charged, and I discovered it only in my credit card statement. 

Capital one asked me to prove that I cancelled. I cancelled online via XXXX 's system, meaning that I rely on them entirely to send or otherwise provide proof. They did not do this, and lied saying it was not cancelled. I believe this is intentional rather than computer error but I don't really know. When I logged into my account, it showed cancelled and asked me to sign up, proving without a doubt that I had cancelled and had not access to the paid content. I told Capital One all of this, but still they chose to assist XXXX  in ripping me off. In addition, I discovered that I was getting all emails from XXXX in duplicate, which may mean that they accidentally duplicated something and only one got cancelled. Not sure, but clearly something wrong. 

I was forced to pay for something I cancelled, never accessed, and then told I had convince the scamming merchant to admit cancellation or just accept being defrauded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-06
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX ( XXXX  ) markets a XXXX through Barclays Bank that advertises free checked baggage. There are multiple restrictions and loopholes that effectively voids this benefit. Ive tried to resolve this issue with XXXX  and they refer to the fine print. XXXX & Barclays fraudulently advertise a benefit that is not available except under very specific conditions resulting in consumer fraud.

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 2018-01-31
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pressler & Pressler debt collectors placed a lien on my home for a paid in full credit card debt and I provided a copy of the cancelled check as proof and by leaving off the last four digits of the card account number, stated "it is for the wrong account"  so liars and so deceptive it is beyond comprehension!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
New Rez lender refinanced an owner finance loan. A 2 parcel 168 acres total. The residence financed is on 46 acres, the balance of acreage classified as 'excess land '. The property entirety was appraised out at {$240000.00}. My loan amount then was {$160000.00}. Someone placed a lien on the excess inhibiting me from selling a portion of excess land 80 acres. Had a buyer contract, the buyer walked leaving me with {$1200.00} legal fees due to the lender refusing to do a partial release. Someone also subdivided the 168 acres 2 parcels to 4. Do not know who, I never signed with the county to do so. Someone therefore took ownership of the balance of acreage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with LexisNexis and the 3 credit  bureaus and it came back verified. I wrote a dispute letter to LexisNexis and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record 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 is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened an account with TD bank and I noticed i was been charged a service fee of {$10.00} that i shouldn't have been charged. i notified td and they told me they were going to fix it, This was 3 three years ago. I have called several time to get this issue resolved and they say the same thing we are going to fix it. I went to the branch in XXXX and they lady told me to go to the branch that i opened the account, that she can't do anything. i called to file a complaint and the lady on the phone placed me on old and hanged up. I finally got to speak to XXXX on XX/XX/2019 at XXXX and she said its not the banks fault and that she couldn't do anything about crediting me back my fees but she was going to fix it and get back to me. I told her that that was what the last person i spoke to said in XX/XX/XXXX of this year. it was funny when she told me that she was the one i spoke to back in XX/XX/XXXX, and she was not sure why the issue was not fixed, and that she will look into it.

Company response to consumer: Closed with monetary relief