BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: WSFS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX took over this debt around 2017. The debt in questioned a principal balance amount and a Non Interest bearing amount of approximately $ XXXX. I tried to negotiate a payoff with the holder of the debt XXXX whom XXXX would not provide me with the contact information. I dealt with an individual at that time called XXXX XXXX who made me complete a hardship form, against my wishes in order for me to attempt to negotiate a payoff. I wanted to payoff the loan and my reason was not as a result of a hardship. I stressed this over and over again and he said. " If you want to try and do this then you have to fill it out '' I reluctantly did and the following he call and said very curtly that it had been declined without providing me a reason. 

It was then that XXXX began harassing me accusing me of non payment. In the past 2 1/2 years I began receiving calls from XXXX  representatives informing me that this is an attempt to collect a debt. On each occasion I have been accused of non payment. 

The problem : My principal balance is not at XXXX cents. I have been making payments on time each and every month yet XXXX seem unable to apply my payments. Instead the monies are not applied but are shown on the statement listed as an " Unapplied payment ''. This is when the phone calls begin stating that they are attempting to collect a debt. 

I have attempted on countless occasions to resolve what is a payment processing problem by XXXX. I have spoken to numerous individuals who have apologized profusely and have promised that they will rectify what they have admitted to me is their problem. This has never been achieved and every 3 months I begin receiving calls from XXXX representatives attempting to collect a debt. I am going to attach the escrow statement that I received from XXXX when they last denied my claim to have late fees removed. 

During this time XXXX  have sent people on at least 3 occasions to the property. A property that my XXXX year old mother lives in. These individual were taking pictures of the home. My mother called me distraught that she was getting thrown out of her home. 

I have tried my best to be reasonable with XXXX  XXXX  and after almost 3 years I have given up. 

I have attached the escrow account provided to me by XXXX showing the numerous occasions where I had to request return of late fees. 

I would like to report XXXX for harassing myself and my mother for almost 3 years.

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 2022-04-29
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My father XXXX XXXX suddenly leaving no will and many debts, I was on XXXX, I have now been able to get a job, but I still have lawyers and other debts from my father 's XXXX. I have explained this to Capital One, I may be filing bankruptcy, but I am trying to avoid this. Even so Capital one calls at XXXX XXXX, with a recorded voice, a woman named XXXX , I work odd hours, so the calls wake me up, they even call on Sunday. They refuse to give me sometime to get my finances straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted Transunion and spoke with a agent and explained that I was not aware these inquiries and it looks like something suspicious is going on .She told me to contact these companies directly. That was n't very pleasant thing to say because when I tried to call these companies they do n't know how to handle my call and end result, I 'm on hold for several minutes and then they tell me to contact the reporting agency. 
I would appreciate if someone can please remove these unauthorized inquiries. 
Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 did not perform their due diligence in verifying the identity of the individual who opened an account with them using my personal information. The account ultimately went to collections and is reporting on my credit. I have requested validation of the debt from XXXX, they sent quite a bit of information which was helpful in proving the debt exists. However ; since they did not provide a copy of the instrument used to verify the person 's identity I have no idea who actually opened the account. All I do know is they opened the account in my former 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 2019-09-16
Company: Immediate Credit Recovery
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Pursuant to Chapter XXXX Adversary Case No. XXXX filed in the XXXX XXXX of Texas, the student loan debt for the US Dept of Education against XXXX XXXX was administratively discharged due to his total and permanent XXXX. As such a Motion to Dismiss was filed on XX/XX/XXXX against the US Dept of Education in the Adversary Case. The Motion declares the student loans discharged and enjoins enforcement of the discharged educational loans. The Motion was approved and an Order of Discharge was filed on XX/XX/XXXX. 

XXXX and I ( XXXX ) jointly filed our XX/XX/XXXX income taxes in XX/XX/XXXX, but have not receive the anticipated refund of {$8500.00}. We contacted the IRS to inquire as to the status of our refund and were advised that the U.S. Dept of Education had offset the refund for payment of {$100000.00} in student loan debt owed by XXXX XXXX ( which was the debt discharged in XX/XX/XXXX, discussed in the preceding paragraph ).

We contacted the U.S. Dept of Education, who advised that they had sent XXXX debt for collection to Immediately Credit Recovery , Inc., who, in turn, reported XXXX 's student loans delinquent on his credit report beginning XX/XX/XXXX. 

We have not received a call or letter from Immediate Credit Recovery , Inc. We have left several messages to explain the discharge and to request resolution, but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
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: Account status incorrect

Complaint:
please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except experian and i have attached the same letter over and over again, i have also verified with the creditor XXXX XXXX and they have sent the notification many times please have experian change their reporting thank you

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 2017-09-27
Company: Debt Management Partners LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for XXXX XXXX, she stated that XXXX XXXX has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from XXXX XXXX or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that XXXX XXXX did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law XXXX XXXX does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called XXXX XXXX head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Navient Solutions, LLC.
State: CA
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:
My Federal Loans were transferred by the Department of Education to Navient Loan Services to manage my loans. Around 7 years ago, I was instructed by Navient Loan Services about that my student loans would qualify for XXXX  Forgiveness or Public Service Loan Forgiveness programs. In 2017, I submitted the XXXX Forgiveness application. It was turned down for some technicality, I still do not understand. Subsequently, I was recomended to apply for Public Employee Services Forgiveness program. Today, I called them and was told that my 2. ( {$200.00} total ) out the 3 loans do qualify, but not the {$24.00} XXXX loan. I have being making payments under the impression that I would qualify for Loan Forgiveness for working XXXX XXXX   areas and providing XXXX XXXX with the government. I was wrlong! I was cheated.I have made payments for the last 7 years and beyond and never compensated for my services as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made a purchase on my Nordstrom credit card. I ordered two boots in the amount of XXXX On XX/XX/2021. The delivery was made and left on the street. We live in a security building. The package was left outside the security building one the street. I contact the credit card company and Nordstroms to either reship my order or give me a credit. I have been given the runaround for a month now with no resolution. I want credit back for the package I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the credit bureaus are reporting my XXXX XXXX XXXX account as being late on XXXX, XXXX, XXXX, XXXX as being late. these payments were late due to covid pandemic, and it should have been reported as such

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled in XXXX  XXXX XXXX XXXX  program in Accounting I was unsure whether I would like the online learning format, so I asked the enrollment counselor with whom I spoke on the telephone what date I would have to withdraw by in order to not incur tuition charges. And I was been told you will receive student grant financial add you don't have to pay anything I hated the online format, and was absolutely certain to withdraw by the date I was told by the advisory. However, I was subsequently billed by XXXX, nonetheless. I disputed the matter back and forth with XXXX, informing them of the conversation I had with the enrollment adviser, but they insisted I withdrew past the deadline. Since the conversation I had with the adviser took place over the telephone, I have no proof -it is merely word against word. But I am certain I withdrew by the deadline in order to not incur charges. XXXX turned the matter over to collections Agency and they, in-turn have now reported a derogatory remark on my credit report, resulting in a lowered credit score.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX /Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXXXXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ) Has violated my XXXX XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights

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 2017-09-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I did a loan modification with Chase Bank under the federal HAMP program on XXXX of XXXX, during that time, I had financial hardship and was approved for the loan modification. During the signing of the documents, I noticed a clause of a balloon amount of {$210000.00} at maturity date, I asked the processor about the clause and the answers was, not to worry, that was the accumulation of interest during the life of the loan. During the following years I called the bank to do the same questions about this balloon amount and the answer was always the same, not to worry this is the accumulated interest for the life of the loan. 
Recently I received an offer from Chase Bank to recast the loan, the bank sent documents for me to sign, I noticed the same clause, but now with additional notes, ( attached the recast documents ). In my curiosity, I called the Chase Bank to ask about this clause, but this time they informed that this was an amount that I needed it to pay if I were to sell or pay the property off. 
My Complaint is as follows, I looked to Chase Bank for help under the federal program HAMP to save my property, instead of helping me, they deceit me, with malice and purpose. From day one, their purpose was to defraud and gain from a home owner in hardship. I came in with a debt of {$360000.00} and came out with a debt of {$530000.00} just by signing this contract. Chase Bank did not help me at all, instead they defrauded me as they have done with thousands of customers. 
I plead to the federal government to put these greedy thieves in jail and make them pay for all the suffering and stress they have caused to the honorable people of this great country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello- I just sold a property that was serviced by Caliber Home loans. When I got the payoff quote, I believe I was incorrectly charged. I signed up for a 6 month deferrment during the pandemic and i was told the mortgage was put on pause. I was insured by an advisor at the company the 6 months of payments would be added to the END of the loan. When I got the payoff, they included 6 months of principal + interest. So they collected the amount of {$19000.00} ( early ) and incorrectly. I would appreciate your help in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I opened a Chase Mortgage loan application XX/XX/XXXX. I put an offer on a home and secured a rate of 4.125 %. My realtor asked my loan officer who I will list below whether I can get the loan due to Fannie Mae and XXXX XXXX requirements on condominium buildings only have 60 % investor. She stated it was ok and it wave financial contingencies. XX/XX/XXXX escrow was supposed to close. It could not because XXXX did not do her due diligence. I had already transferred $ XXXX into escrow. I lost my deposit due to XXXX 's negligence. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XX/XX/2021, XX/XX/2021,XX/XX/2021,XX/XX/2021 I've disputed inaccurate information and have not got a respond FCRA LAW requires 30 days its been 4 months without any verification, validation or investigation tooken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
CLAIMS OF COLLECTION MUST BE WITH PHYSICALLY PROVEN CONTRACT, TRUE, ACCURATE, COMPLETE AND COMPLIANT SO DELETE OR CERTIFICATE EVERY NOTE, DATE, BALANCE, AUDIT, IDENTITIES, SOURCE CODES, P6 STMNT OR PIECE OF CONFIRMATION

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