BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-09
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a loan with XXXX XXXX and after trying to work with them in 2017 to see what I could do to make payments since I couldnt afford them. I was told to apply for a forbearance or deferment right away without getting the option to see about an income driven repayment plan. Not only was I not aware of this but I was told I needed to pay {$50.00} dollars to be put into a forberence state which I couldnt afford to pay since I was living paycheck to paycheck just trying to survive. After all this happened, I stopped answering there phone calls for a short time to reset my thoughts and see about options. The very next time I communicated with them. They were rude, disrespectful and wouldnt let me talk without them talking over me. At the end of the phone call. I told them to stop calling me and to leave me alone. No sooner then the very next day, I started getting phone calls from them day after day after day. I answered quit a few times and told them to stop calling me especially since I was at work the majority of the time but still had no luck. The very last time they called me, I recieved a letter in the mail a couple days later saying they sold my loan to another company. My loan at the time with XXXX XXXX was around 5,800 dollars. By the end of everything when the loan sold, its over 8,000 now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Flagstar for servicing. The date of the first notice I received was the XXXX statement. 

I found out in trying to pay online via my old Servicer, XXXX, that my mortgage was sold. I was on vacation in XXXX XXXX I called and spoke to customer service and I was assured by them that my RESPA period is protected per FCRA, but they reported a Late Payment during the protected RESPA period in violation of my rights. The protection is in place for a reason! I did not have access to online banking and did not know my new account number, etc. 

Once I established online banking access, inaccurate amounts owed showing on online banking access. It appeared like I had missed 3 month 's payments but when I spoke to customer service, they gave me opposing information, and they were confused too. They " guessed '' that the following months ' payment due was also showing as late, in error. 

My rights were not protected during RESPA period! Worse than their erroneous and inaccurate info and reporting, I started getting threatening communication from Flagstar mortgage without regard to the RESPA Service Transfer period.

I spoke with a Service Rep names XXXX, and she indicated Flagstar would write to me regarding my complaint. To this date I have received ZERO communication back from Flagstar. My case number with Flagstar is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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've asked TransUnion to remove the hard inquires below from my credit report. They are not mine and I do not know why they are on my credit report Creditor : Date : ____ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please have these unapproved inquiries removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX is the Parent company I actually attended the campus in XXXX XXXX, CA which as you can see no longer exists. I was unable to complete my degree program because this campus closed. I received a certificate. The classes I needed to take were not available in the next module so I had to wait for it to roll around again, so technically I was not enrolled when the campus closed. I explained this to the Navient representative in a request to relieve me of the debt under the provisions of the school closure provision. They denied the request because I was not enrolled. XXXX would not allow me to enroll because THEY KNEW they were closing the campus! They gave me the option of going to XXXX or XXXX/XXXX XXXX to finish. Those are HOURS away from my home. This is not what I paid for or signed up for. Navient indicates I have the option to finish because I can go to one of these campuses.XXXX is a XXXX XXXX, it does n't have dorms, XXXX is 1.5hrs one way with traffic it 's more like 2 hours. XXXX is 3.5 hrs away. This is an absurd idea that I would spend 4 to 7 hours on the road each day in order to finish this degree. 
I feel they are not following the intent of provisions of the school closure remedy because they are only interested in their money not the burden it has placed on the student.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
first of all i am NOT a career disputer if i dispute its because i have been wronged and i protect my rights I dont want any scripts in the answers here. I have been an american express customer a long time. I bought tickets to go to XXXX with daughter with this card. I have disputed the purcchase because there was a problem with security at the theater and i missed most of the show and as such preserved my tickets so i can get a refund or another show. They cotninue XXXX  to send their policies despite me disputing this twice now they keep sending their policies. which in no way address the fact that due to a local issue at the theater i was prevented from seeing the show. I want my money back and refuse to pay this. Twice now i have disputed this on my every day card and twice now its been closed in their favor. NOT handled right very frustrating. refund or i am done here. and i still wont pay it not for a show i missed due to security issue not my fault. Policies and procedures cant violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As XXXX student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : TransUnion # XXXX ; XXXX # XXXX ; XXXX # XXXX. 

TransUnion ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XXXX. XXXX did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All XXXX XXXX account were removed now reinserted. 

XXXX ( File Number # XXXX ) Is stating the XXXX account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again XXXX is the only account reporting this information. In addition ; XXXX is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XXXX for XXXX because they would not correct someone credit report. I close on the XXXX of XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Account status incorrect

Complaint:
* XX/XX/XXXX - Application for For COVID-19 Forbearance is Approved by XXXX for 360 days. At this point my account with XXXX is current. 

According to XXXX 's Forbearance terms : " If your loan was current at the time of entering into this Forbearance plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current '' * XX/XX/XXXX - I am notified that mortgage servicing will be transferred to XXXX XXXX  XXXX d/b/a/ XXXX XXXX effective XX/XX/XXXX * XX/XX/XXXX - Servicing of my Mortgage is to XXXX XXXX  XXXX d/b/a/ XXXX XXXX * XX/XX/XXXX - XXXX XXXX  reports a 90+ day delinquency to TransUnion -- in violation of their agreement to report my account as current * XX/XX/XXXX - While applying for refinancing, I am informed of the XX/XX/XXXX entry in my credit report. This makes me ineligible to continue my application. 

I then contact XXXX directly. I speak to representative XXXX. She tells me that this mistake happens sometimes with accounts that are in forbearance. She then guides me on how to submit a credit dispute to XXXX. 
After submitting the dispute, she informs me that it will take up to 30 days to receive a response. I ask if this review can be expedited and ask to speak to a manager. 

XXXX 's manager then comes on the line. The manager informs me that the because my account was behind when I entered into forbearance, then it is reported as behind. 

I correct her that I was not behind on payments before entering forbearance. 

She then seems to come up with a different explanation -- that when they transfer mortgage servicers they have to report accounts in forbearance as behind. 

I then remind her that this is violation of the forbearance agreement. As I'm explaining this she talks over me repeating the same explanation as before. Trying to make my case, the manager hangs up on the call as I'm speaking.

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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
to whom it may concern, there is misleading information on my credit report. XXXX XXXX claims i owe them {$3800.00}. I do not owe them any money or any companies they resprent. I asked them countless times to show me proof of me signing any documents and over 45 days passed and they never did. To my understanding of the fair credit reporting act this should be removed off my file as it is in accurate and i have no idea what they are talking about. I had this also on my equifax which XXXX removed but for some reason transunion never did.

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 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am writing for the second time regarding this account. Last year, I stated that I never received cash advances totaling over {$12000.00}, when my cash advance limit was {$3200.00}. They sent me several years copies of past statements for me to go over to defend my complaint. However, when creating a month-by-month spread sheet deducting payments, adding interest, etc., I found that there were several months missing. So I could go no further. They sent me a note indicating that I applied for a balance transfer and that is why the entire balance was applied to a cash advance. Why would I apply for a balance transfer for an APR rate that is over 29 %. Furthermore, my original credit card was with XXXX XXXX XXXX. It was sold to XXXX, and then to Capital One. I had nothing to do with this account going from one bank to another. 
I want them to go back and recalculate my balances from day one, apply the correct rate to purchases and deduct the high cash advance rate, and credit my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Credit Protection Association, L.P.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter about debt from credit protection association l.p I  had already once told them I disputed the amount with original creditor. They said if I didnt set up an arrangement it would go to my credit an ruin it. Im on XXXX I explained just had a XXXX they would not budge and said 5 monthly payments of XXXX I said I cant afford this right now an I had the choice to refuse or ruin credit. I put XXXX down and my next payment was due XX/XX/XXXX I had credit card fraud and my card was closed completely forgetting about this I never got a letter nor was I 30 days late they sent it to the credit bureaus. I called them XX/XX/XXXX to ask them to remove this and I would pay in full they refused to help I said Id seek legal advice or help they then said your account is closed no contract and we are giving it back to the original creditors. I called back to speak to a supervisor stating if they would not work with me its not fair to have on my report where I cant fix it do to their refusal to speak or have anything further to do with this they kept speaking over me and hung up. I filed a complaint heres my confirmation with you guys 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 2017-12-05
Company: TRINITY HOPE ASSOCIATES
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trinity Hope has made numerous calls to me referencing a debtbhat they would give me no information on. I tried several times to get information on the debt but the woman was rude and onl had an account number. She wouldnt tell me who the debt was to, when it supposedly occurred or validate it in an way,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Problem with personal statement of dispute

Complaint:
I was in the emergency room ( hospital in 2016 in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) I had XXXX XXXX XXXX. I missed payments these 3 months. Once I had a chance and out of the hospital I caught up on all the payments. Now I have 12 missed payments on my credit report, I think this is hardship and they should be removed. I was in the hospital XXXX XXXX. PLEASE HELP AND REMOVE THE MISSED PAYMENTS FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to XXXX XXXX XXXX XXXX to validate the debt they say that I owe on four accounts. I sent the letter certified on XXXX XXXX.2017. I gave them 30 days to respond to my request.They have failed to validate the debt. I have a copy of the letter that was sent to them that was received by someone in their office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So on XX/XX/XXXX, I saw an transaction of XXXX dollars that is mine transferred to another account that I dont have or I dont know about. When I called chase 2 days in a row to get this resolved they could not give me details nor could they tell me what account it was transferred to so I could get my money back. So me, my mom and sister have a joined account but separate checking accouts. So I can not see their money nor touch it. My little sister was involved in a fraud thing where she got scammed someone withdrew XXXX from her account and chance was suppose to handle it and close her account. So I guess chance took my funds out my account and put it in her account to cover it. But I dont get how they can take my money from mine to use to hers just not right. Plus I had nothing to do with her stuff. Just have a join account. We spoke to someone from chase and they said that ; that account was suppose to be closed and no one should be about to touch it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was told by the Consumer Financial Protection Bureau ( CFPB ) to submit my complaint again. 

XXXX reported six 90-day late payments to the Credit Reporting Agencies ( CRAs ). 
Those payments were put on forbearance to bring your account current. 
Due to the forbearance, XXXX should remove the negative reports because it contradicts the Advisory Opinion to Harris to the U.S. Department of Education. 

XXXX denied to update the credit reports on the basis that it was " correctly reported '' and that the Advisory Opinion to Harris relates to information that is incomplete or erroneous. 

In XXXX 's response to my first complaint, they are completely ignoring their duty as a " Furnisher '' under the FCRA. The 90 day late payments that are being reported as late are no longer late due to the forbearance. The attached approval for the forbearance shows that all payments from XX/XX/XXXX through XX/XX/XXXX were " postponed '' Therefore the payment that was due on XX/XX/XXXX which was 90 days late, was no longer due on XX/XX/XXXX, therefore no longer 90 days late and my credit reports should be updated. 

The information that they have provided to the CRAs is not complete nor accurate, directly conflicting with the FCRA. 

It is XXXX 's duty to update the information. 

" This duty extends to all student loan accounts reported toCRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ''

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 2019-02-09
Company: FC HoldCo LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded the XXXX XXXX XXXX that was being finance with XXXX XXXX XXXX on XX/XX/XXXX. The pay-off amount of {$28000.00} has been received by XXXX  which " {$0.00} '' my account out. They are showing a payment for {$XXXX} for the date that my old loan would have been due XX/XX/XXXX. 
Due to the fact they have been paid and received the told pay-off, this account should completely close and zero 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 2019-02-09
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered an XXXX from XXXX XXXX XXXX. This was an XXXX XXXX. XXXX XXXX XXXX over the course of a month could not get the phone set up properly : They could not get it to adequately connect to their network, they could not get Voice Mail to work. They had me go to XXXX and get a different phone and still they could not get it to work properly : I had been an XXXX XXXX XXXX  customer for over 15 years at that point. 

I attempted to return the phone to XXXX XXXX XXXX directly ( twice ). I canceled my account with them and went on to XXXX. 

XXXX XXXX XXXX is attempting to collect a debt for service, merchandise, and product support that they did not provide. I attempted to resolve this with XXXX XXXX XXXX three different times and even offered to restart service. XXXX XXXX XXXX could not even make that happen. 

They attempted to collect on this previously. It was removed from my credit reports as it was not a valid debt by the debt collection company. 

I do not owe money : They could not keep to their Service Level Agreement, and I discontinued my patronage of their business. 

The debt they are attempting to collect is not owed and is an issue that is now nearly three years old.

I even kept the new phone in it's packaging for two years.

Company response to consumer: Closed with explanation