BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to get my credit score. But it is unavailable and has been for awhile. I checked today XX/XX/21. And was told it's because I am deceased. My daughters can verify that I am still alive and social security can also verify. I really would like to fix this ASAP. I'm thinking of buying a home or car. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
JPMCB Sapphire Preferred Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 85 % Payments on time, percentage was higher at time of closure. 
Recently became aware that account was delinquent and had been closed. Found this out after a rental company pulled my credit report. 

Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. 

On XX/XX/XXXX I made an online agreement with Chase for this card to make 3 payments of {$210.00} dollars, and Chase reported that they would bring my card up to date. I see nothing of this on the account. I do see the withdraw from my checking account and application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. 

On Chase account online, there are no No notices or letters on my account.

There are also no branch documents. 

I am a XXXX  that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. No I am unable to secure a place to live do to these negative marks. The creditor did not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called Portfolio Recovery has called my landline ( registered with the Do Not Call Database ) every single day for the past few months. Every day, they call from a different phone number so I can not block them. They have never once left any type of message on my answering machine. I have not received anything in the mail and my husband and I have no outstanding debt whatsoever. These calls are burdensome, frequently early in the morning or late at night, and will not cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: Vital Solutions, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Vital recovery makes repeated phone calls during the same day. I have asked them to stop. Today they made phone calls back to back, two minutes apart. This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was send a credit alert stating that I had a negative remark. So I pulled my credit and got information and phone. And I was told that my name was used for several hospital visit with no insurance and had not paid the bill. I told the lady that it was not me. I requested a copy of bill. She only info that could be provided was date if XX/XX/XXXX XX/XX/XXXX and a date in XXXX. The name of responsible party name was XXXX XXXX my name is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21
Company: EQUIFAX, 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:
There is a hard inquiry for XXXX XXXX on my Equifax credit report from XX/XX/2019. I do not have any XXXX services, this must be fraud or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: SYNCHRONY FINANCIAL
State: DE
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:
thise inquiries i didn't authorized they made it fraudulently. 

XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX. 
XXXX Syncb/XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX, PA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX   XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, MD XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX, CO 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 2017-11-29
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a XXXXXXXX XXXX student loan that I began repaying in XXXX. I was working for XXXX XXXX and now a XXXX XXXX XXXX XXXX for the past 33 years. I applied for public service loan forgiveness and was told I qualified except for my repayment plan.i was never told I should change by repayment plan and I always stayed in whatever payment plan the department of education established for my loan. I feel like I have been taken advantage of.XXXX XXXX XXXX tell me they have now but my loan in an approved payment plan but said I still wo n't qualify as I do n't owe another 10 years of payments.they made my monthly payment go up {$3.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX and XXXX XXXX sent the ftc and affidavit to them with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion continues to report fradugelent accounts. I have sent all requested documents to have these items removed yet they are still on my report. Please delete the following account XXXX XXXX with the balance of {$530.00}, XXXX XXXX XXXX  the one that has been closed that is not mine, XXXX XXXX with the balance of {$310.00}. Please delete these accounts & the inquires for XXXX XXXX & XXXX XXXX they are 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 explanation
Consumer complaint received 2019-09-22
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, On XX/XX/XXXX - XXXX, 2019 I was contacted several times by Quicken Loans mortgage to apply for a refinancing loan. On XX/XX/2019 I did apply and after I was assure that I will get a better deal than my current mortgage situation, I applied for a cash out refinancing in order to consolidate some of my credit card debts. Based on my credit report, income, etc. the mortgage representative sent me the loan estimate and Uniform Residential Estimate. Based on the numbers provided I did agree to proceed with the condition that, these numbers won't change later. Two days later when, I tried to contact Quicken Loans representative with whom I started the loan, I was told that, that person left for a vacation trip and somebody else will take care of me. This was the first red flag. The new mortgage representative sent me a new loan estimate with different numbers this time and pushed me for signing the updated disclosure. Of course, I complained about the new changes, and asked to go by the first Loan Estimate numbers we agreed from the start. At this point I refuse to sign/acknowledge any document they tried to pushed it on me. I stated that it's not in my best interest and it was not what I was promised. From the start, I was assured that, if anything happened, I'm not happy or the loan won't close for any reason I won't be charge any money. It was not the case because I was charged {$400.00}  for the appraisal. I didn't close this loan or sign/acknowledge any disclosure, so I wonder why I was charged for a service I didn't receive? 
I believe Quicken Loans, through their mortgage representatives used a deceptive practice to lure me in with some " good deal '' and after that, change the Loan estimate 2-3 times, knowing that I will be pushed to accept their deal they'll try to offer me, which wasn't in my best interest. I tried a few times to contact them and ask for my {$400.00} I was charged for no service or any benefits received. So far nothing happened. I just want my hard work money to be refunded. Thank you for any feedback and help. 
Loan number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: AES/PHEAA
State: OR
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:
On XX/XX/XXXX I attempted to change my payment plan to a standard repayment plan. On XX/XX/XXXX I was notified that my student loans had placed in deferment. I submitted an email pointing out this error and requesting that it be addressed. In response I received a stock letter and no further contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TCF & ASSOCIATES
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received multiple calls from the following number : XXXX. 
They also called my husband, who has a new number that would not be associated with the account in question. 

" XXXX XXXX with XXXX XXXX XXXX '' is who this person claimed to be. At first, she told me that I had formal complaints made against me, from a XXXX XXXX. I don't know anyone by that name. She then told me that this is in regards to a medical debt from XXXX, that she received from the hospital. This debt was paid in XXXX. 
After contacting the office that handled this account in the first place, I called " XXXX '' back, requesting documentation of this debt and who was obtained from.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-04
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 have been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last month.

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 2019-09-22
Company: I.C. System, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2021-06-04
Company: Aspen Yo LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Account Information : Mortgage Servicer Information : Gregory Funding, LLC XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : XXXX XXXX XXXX transferred my home mortgage to Gregory Funding in XXXX of XXXX. Currently, I am in the process of trying to pay the mortgage off. I have reached out to Gregory Funding for the past year and feel I have not been able to receive satisfactory information concerning the mortgage. I initially contacted XXXX XXXX but was told no other information was available as it had been transferred to Gregory Funding. According to paperwork Ive obtained from the credit bureau and from Gregory Funding the amount of the mortgage originated in XX/XX/XXXX was {$130000.00}. I have reached out to Gregory Funding and XXXX XXXX to obtain the correct information and the payoff amount on many occasions but have not been able to receive the correct amount that was actually owed since XX/XX/XXXX because according to the documents the original mortgage amount in XXXX was {$130000.00}. To date from XX/XX/XXXX until the present time XX/XX/XXXX I have paid Gregory Funding approximately {$120000.00}. The interest rate is 6 %. I received a payoff statement from Gregory Funding for {$140000.00} several months ago and have spoken with many of the staff but still havent received the correct information. 
Over the last year I have reached out to the headquarters many times, tried to speak with someone in management to see I can get the correct amount. The number at the headquarters located in XXXX, Oregon goes to an answering machine and no one returns your call. The wait on the office phone located in XXXX Oregon is normally over an hour or more, and when someone gets on the line the information that is received is normally not what you request. I have had several calls just dropped after holding for way over an hour. I have waited several months for another payoff statement after I told them that the original mortgage amount was {$130000.00} in XXXX ; and that is not the amount that should have been transferred in XXXX. It should have been much lower. I have not gotten any additional information from them. 
From what I understand they are plagued with lawsuits for mishandling customers accounts, mortgage balances not correct and not providing correct information concerning mortgages that they hold. I have enclosed a copy of a lawsuit that theyre trying to settle now due to them violating the federal Fair Debt Collection Practices Act. 
I certainly hope your organization can help me obtain correct information relative to my mortgage so I can pay it off! Thanks for any consideration, given this request. 


XXXX XXXX XXXX XXXX cell preferred XXXX office

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: EQUIFAX, INC.
State: TX
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:
equifax have me as XXXX XXXX  XXXX the fifth enclosed documents proving such remove it and take off the ftc violation also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law saids if the inaccurate information cant be fix must remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: MOHELA
State: DC
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:
As a note - I didn't realize there was anything I could do about the issue I had with Mohela until recently. I figured they were just big bank getting away with all sorts of things - until I heard some news stories saying these loan servicers were involved in giant lawsuits. 

Originally, I had a government college loan ( unsubsidized ). As part of the agreement, if I made a certain number of on-time payments, my interest rate would be reduced. 

At one point, Mohela took over as the loan collector ( I don't have the exact dates of this, as the information is no longer available in my Mohela account because I paid off my student loan - several years early ). Mohela informed me that one of my  payments wasn't on time, so I wasn't eligible for the reduced interest rate. When I called to inquire how this was possible as I had setup automatic payments - they told me that one payment wasn't on time - and came from a bank account that wasn't my own. When I asked how that is possible - they said they weren't at liberty to tell me. And they couldn't tell me who the other payer was. Up to that point in my life - I had one bank account. So this was impossible.

My guess was that when Mohela took over, the payment for that transition month was routed through the previous lender. The person who took my call clearly didn't care - and enjoyed the interaction from what I recall. They offered no assistance and refused to help in any way. When I asked to speak to the agent 's supervisor - she refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I was the victim of a malware attack that apparently got into my XXXX account, was able to change my email filters so I would not see certain emails about " bank, fraud, or recovery '' and likely got into my stored usernames/passwords and financial credentials stored in XXXX. Subsequently, my PayPal account and 2 other finanacial institutions were targeted for fraudulent transactions. 

On XX/XX/2021 two unauthorized transactions took place on my PayPal account that went into my PayPal credit account. # 1 was a {$1.00} " Donation via PayPal Giving Fund '' which I theorize was a " test run '' before # 2, a {$1400.00} transaction to " XXXX XXXX XXXX. '' Both of these transactions were made without my authorization or knowledge. I had to XXXX what this company was, and it was some video game design class or something that I have no dealings with. 

I did not notice these transactions until XX/XX/2021, where I immediately submitted an unauthorized activity case submission to PayPal. On XX/XX/2021, they denied my claim responding : " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' The following day on XX/XX/2021, I wrote an appeal to their decision, explaining that 2 other financial institutions had agreed I was the victim of parallel fraud activities and argued that the transaction was not " consistent with my PayPal history '' as my PayPal credit account had set dormant for months, I have a PayPal credit card I have used for credit purposes, and I have never purchased any video game-related items with PayPal because I don't play video games. I also made available my willingness to provide any additional information or documentation. 

On XX/XX/2021, they again denied my appeal, citing " This decision was made because this transaction was not unauthorized. '' I am writing to the CFPB to complain that since I did not authorize these transactions, PayPal did not perform an adequate investigation into my fraud. I do not have in my possession whatever video game item was purchased for {$1400.00}. I am the victim of fraud. At no point did PayPal reach out to me to ask for any information coming from my end, yet somehow they concluded that I authorized these transactions. I respectfully request that my complaint be escalated that a more competent investigation be completed and that PayPal not ignore their platform being used for fraudulent activity.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  did not resole the dispute in 120 days, XXXX XXXX XXXX  did not contact my 2 XXXX XXXX XXXX  and XXXX to get that debt paid

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