BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: Experian Information Solutions 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:
To whom it may concern, These inquiries reporting on my credit file do not belong to me. please remove them as soon as possible inquiries for dispute : XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date FiledXX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX Nature : not mine

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 2021-08-22
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 Medical Data Systems Inc. started reporting I had owed XXXX XXXX XXXX XXXX XXXX {$2800.00} AND reported the exact same debt as 2 collection accounts. 

I never received a bill from XXXX XXXX XXXX XXXX, or was I aware of a bill owed them. I have sent two certified letters to Medical Data Systems Inc. requesting they verify the debt and both have been ignored.

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 2021-09-03
Company: AES/PHEAA
State: NY
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 recently leaned that some students can make retroactive payments on their Fed Loans. I contacted Fed Loan today and was told that I can not make retroactive payments from XX/XX/XXXX to XX/XX/XXXX because I was in deferent while in school. This is not true. I was never billed for the loan during their set up period. 

Fed Loan has had me in deferent or forbearance for two years and I had to file a School Related Deferment Waiver Form to come out of deferment for incorrectly being placed there while I was making payments. I was never allowed or afforded the opportunity to make retroactive payments from XX/XX/XXXX to XX/XX/XXXX and was never billed for this period. From XX/XX/XXXX to XX/XX/XXXX I made payments without being billed. 

Then my loan was transferred to XXXX then some other company, then Pheaa, then Department of Education then XXXX then Fed Loan. This all occurred from XXXX to XXXX. During this time, I was in school and making payments since XX/XX/XXXX. My loan was not payable until around XX/XX/XXXX ( as per the Direct Loan letter ) when I was sent to XXXX XXXX. 

In XXXX I asked to make payments but was told that the program was not set up and payments will be sent back to me. In XXXX a financial person on TV said to make the payments ASAP. I called XXXX XXXX  ( Fed Loan affiliate ) at the time and was told how much my payments were, but no payments were due, and no bills were sent out. I still made the payments by what Fed Loan told me over the phone. 


Please review my paperwork. I had the same XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and I transferred to another XXXX XXXX XXXX. I work for the XXXX XXXX XXXX 

I would like the opportunity to make these retroactive payments from XX/XX/XXXX to XX/XX/XXXX. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I was approved for XXXX payments on XX/XX/XXXX in which they would make payments for the next 6 months starting XX/XX/XXXX for both utilities and mortgage. My utility payments have been applied no issue. However, my mortgage payment has not applied. When I called XXXX ( XX/XX/XXXX ) they advised the payment was sent first week of XXXX along with utilities. When I call Freedom Mortgage ( XX/XX/XXXX ) they say no payment has been received. They have my approval letter ( sent on XX/XX/XXXX ) but say no payment received even though Ive informed them XXXX confirmed payment sent.

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 2019-02-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I initially had my home loan with XXXX XXXX XXXX XXXX who never had any trouble assessing property tax. My loan is impounded so the tax should be collected each month. They did not require money from me at the end of the year and in fact I received an escrow check. When the loan was purchased by Penny Mac they could see what I paid in property tax. Last year they asked for money to cover a shortage and if I could not do this they would spread the amount over the next 12 months. This results in me paying more interest on a loan that will each year have a higher payment because they either can not figure out property tax or are purposely engaging in unethical business practices. I have spoken with them before about this as well as emailed them last year. I as a single consumer can not fight an unethical or incompetent company please advocate for me as I am on a fixed budget. My sole income is XXXX and this company infuriates me and causes me unneeded worry. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: TX
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 notified Equifax that I had someone attempting to open accounts with my information. The dispute was received but I was told they could do nothing due to my Identification information was not included. I have attached what Equifax has requested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 balance transfer

Complaint:
To whom it may concern, I need your help to return my money from Bank of America.

On XX/XX/XXXX, I was paying my Bank of America credit card balance online and by mistake, instead of {$1500.00}, I transferred {$15000.00}. When I realized this mistake I contacted Bank of America customer service department, and requested a transfer of {$13000.00} back to my XXXX XXXX XXXX   account. I provided all account information bank routing number and account number.

On XX/XX/XXXX, Bank of America made a readjustment and debited my credit card account for the transferred amount. I received a letter, stating that {$13000.00} were transferred to the original source. Unfortunately, this money never came to my checking account. After all my contacts and communications with Bank of America Customer resolution department, I did not achieve any results. Three cases were opened, closed, and marked as completed. In order to find the lost money, I requested that detailed information about this transaction is sent me, but Bank of America representatives refused to cooperate and help me solve this problem. 
At the time of the first transaction, I did not have enough money on my checking account, and this money came from my XXXX XXXX XXXX  credit card, linked to my checking account for overdraft protection. Now I am paying daily interest for this amount, and already paid about {$400.00} dollars. 
Please help me resolve this problem, and return this money to me.

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 2018-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital one spark  business card which I have spent over 500k on and they closed my account because a payment of XXXX was bounced because I put the wrong routing number. 


I feel that I have been a good capital one cardholder and have never bounced any payment and simply made the mistake of putting wrong routing number capital one even called to confirm funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please take this seriously. Annually, please visit http : XXXX to review and our credit file with all three credit bureaus. With all the recent few cyber security breach with XXXX and XXXX XXXX XXXX and all the government subsidized loans, I.e. SBA 's EIDL ( Economic Injury Disaster Loan ), thefts are applying credit with lenders and government under your name.

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 2020-06-25
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX  that I had a collection on my credit report. I called the Kimball, Tirrey, and St. John and advised them that I do not owe this and was told to send a letter to them advising that I do not owe the amount that was on my credit. I sent the letter to them and received no response. I was never sent a letter of collection from them at all. I contacted the XXXX XXXX XXXX   and Kimball, Tirrey, and St. John advised that they would send a letter to me of what was owed and I did not receive that letter. This is fraudulently on my credit and I advised them of this and the amount still remains. I need this deleted from my credit and a deletion letter issued to myself as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX/XXXX/XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute filed ftc reporting public records when I opted out

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 2017-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I took out a home loan to purchase my house at XXXX XXXX XXXX, in XXXX XXXX, CA XXXX and requested a loan modification according to HAMP to lower my payment and have still no received a reply. According to my attorney many documents have been falsified and I would like a copy of all documentation per the FDCPA and this Qualified Written Request ( QWR ) from my Account regarding all documents I am entitled to per RESPA and TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: AES/PHEAA
State: TN
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:
Hello, My loans were transferred over to Fedloan ( a process that took more than 8 months ). 
Regardless, the wualifying payments on my account are inaccurate. Currently XXXX payments are listed as nonqualifying, most are listed as late payments. These " late payments '' were paid on time to my last student lam servicer, so it is obvious that there is an administratove error. 
I would live some assistance getting this issue resolved. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts listed on my credit report that do not belong to me. Additionally, there are inquiries in which I did not authorize. Please remove them immediately.

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 2017-12-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just wont to fallow up on my complaint 's I no that it wont go any where we just do n't have any Justus for the people in the USA it is funny I worked since I was XXXX and I do main work and when I was ask to serve my country I went I did not burn my card I did not run to XXXX and after it was all over com back and be treated like a hero you tell me way do n't or country help when we need it I do n't care what chase sais the lied when they said no one would tell some one to stop paying them well I got news for them they did the women that I talked with did and it was recorded all they have to do is get the tape I no that they do n't destroy them unless the do n't wont to get cot with it but it was recorded for training purposes when we ask for a mod that is when chase would not work with us after that they sold us to XXXX XXXX XXXX bank but that was after they cheated us and a hol lot moor the same way XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: JPMORGAN CHASE & CO.
State: VA
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:
On XX/XX/31, my card was declined at the grocery store. I called Chase and they told me they closed my account due to another account closure. They were very vague and wouldn't give me a direct reason. They also said that I can never open the account ever again and that the decision was final. This is the only credit card I have had with Chase for 4 years and 5 months. No other accounts with them. I always pay my balance in full on time for the 4 years and 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: BARCLAYS BANK DELAWARE
State: FL
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: Didn't receive services that were advertised

Complaint:
Barclays Credit card. XXXX sold me the wrong laptop and then the keyboard never worked since the purchase. Tried to exchange with no luck.

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 2017-12-07
Company: Experian Information Solutions 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 log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site.

go on till lose connection playing a stupid game on consumer

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 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I receive hundreds of credit card applications. TransUnion, XXXX and XXXX are selling my credit report as a prescreened offer. I have never gave permission for them to benefit using my credit.

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 2021-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraudulent checking USAA XXXX Account with former spouse Closed Spring XXXX XXXX  Alert : Personal Information distributed dark web Communication with Impersonating representatives Unable to contact USAA No access to account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: NY
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 am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, XXXX  and Equifax I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: United Financial Service
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Firstly please let me state that I am a victim of identity theft. I have a current police report on file with XXXX and a federal listing with the FTC VIA XXXX. The alleged debt that I am seeing on my credit report was previously removed, sold or transferred, re-aged and then showed up with this current company 's name but the old debt collector 's address the DAY after I filed my police report with XXXX XXXX Police Department. United Financial Service of XXXX XXXX XXXX has disregarded 2 previous attempts to validate with XXXX certified mail return receipt. They call my cellphone very early in the morning ( XXXX ) and also very late at night XXXX XXXX XXXX. They are harassing my family and friends on their cellphones and also calling my current and former employers. I don't even know what this debt is for and other that this derogatory mark I have 100 % perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I never had business with either of these companies and truly have no idea who they are..I do not owe this debt. You need to get this XXXX off my credit report immediately as it is damaging to me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
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: Information belongs to someone else

Complaint:
This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts TN XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ally just closed my savings and checking accounts for no reason. 

I got a letter today from Ally saying they've made the " business decision '' to close all my accounts without without giving me any real answer. Just that they " have the right to do so ''. Confused, I called them up and they basically repeated what was on the letter, with the reason being that they can close any account for any reason at any time and no additional info. 

How can I figure out what the real reason for my account closure was? I think I'm a pretty standard customer, I don't do anything weird with my accounts. I have over {$6000.00} in funds remaining in the account. I owe NO fees or fines, and never have in the past and this is the only account I've used. They just ... closed my account without explanation? What was the real incentive?

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