BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: AES/PHEAA
State: NC
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:
In 2014 i attended school here. During this time they were doing just like XXXX XXXX was i imput my information and the " loan advisor '' made sure i had the " appropriate '' amount of money for tuition. 
I was not given a credit hour cost they took out tge max they could to cover the tuition. 
This place did predatory lending to maximize there profits. And this needs to be addressed. As the amount need for the degree was way over the wage limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 explanation
Consumer complaint received 2019-05-19
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is how my phone call went Hi Im calling from waypoint debt collector can I please have your address to verify that youre XXXX XXXX. 
Im sorry what company is this and what are you calling for? I wont give that information to just anybody over the phone. 
Sir I cant explain any more of who we are. 
So I hung up. You guys need to do way better. If I had known it was real I wouldve happily paid off whatever it is. I recently lost my debit card and have a new one. So whoever you are all you need is simply my new info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently checked my credit report and there is fraudulent activity still on my credit report. I have reached out to XXXX, Transunion & XXXX. I have sent them letters and told them that i have contacted all of the companies that placed the inquiries on my profile and told them that they're fraudulent. The told me to contact XXXX , Transunion & XXXX & There has been no change. I filed a FTC Report today as well and asking for The 3 Bureaus to Please remove the inquiries off of my report as they don't hold accounts & ARE NOT MINE! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
I sent XXXX, XXXX & TransUnion a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). These FTC ID Theft Reports and requests for validation and Methods Of Validation were received on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, XXXX nor TransUnion. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.

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 2019-05-19
Company: FirstPoint Collection Resources
State: NC
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 no idea who this is or even how to contact and can not find away to dispute this because it is not on my credit report! I have been trying hard to correct and get my credit on track and this shows up! 

Alert Date : XX/XX/2019 Source : XXXX Company : Firstpoint Coll.Resources Inc.

Activity : Unpaid Balance : {$400.00} I have not even seen this in the mail? 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NY
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 recently checked my credit report and there is fraudulent activity still on my credit report. I have reached out to XXXX, XXXX & Equifax. I have sent them letters and told them that i have contacted all of the companies that placed the inquiries on my profile and told them that they're fraudulent. The told me to contact XXXX XXXX XXXX & Equifax & There has been no change. I filed a FTC Report today as well and asking for The 3 Bureaus to Please remove the inquiries off of my report as they don't hold accounts & ARE NOT MINE! 

XXXX XXXX XXXX XX/XX/XXXX . XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.

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 2019-05-19
Company: URS Holding, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I received a notice of collection from Alltran Financial , LP / XXXX   XXXX on the date of XX/XX/2019. Im informing to all parties involved this account was a result of identify theft. This account has already been reviewed and removed by the original creditor XXXX XXXX XXXX. The account also has been removed by XXXX XXXX. XXXX XXXX is in direct violation of the FCRA for attempting and also passing off a debt to another company and they are fully awhere this account is a result of fraud. If XXXX XXXX attempts to contact me again in any form email, phone, mail. I will pursue all legal options against them and all parties involved. I also will be reporting this violation to the CFPB again. Thank you have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report which I have filed in my local Police Department. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
As far back as XXXX I was the victim of scammers on line. But in XX/XX/XXXX I found out that I had been the victim of Identity theft as well. 

I immediately contacted Bank of America ( I called and talked to a woman named XXXX ) and was told that I should contact the Federal Trade Commission, which I did. I filed a report with the FTC and mailed the letters they provided to all 3 of the major credit reporting agencies and Bank of America. I  also put a 90 credit block on my social security number and name since all of my personal information had been compromised by the scammers. I waited to hear back from Bank of America and the credit reporting agencies but didn't receive any responses until XX/XX/XXXX. 

I received a summons to two different court cases, even though both credit cards that had been compromised were with the same bank. I am being sued, by Bank of America, in Civil Court and I guess small claims court for all of the amounts on my credit cards, despite the fact that I disputed the portions that I believe the scammers and the identity theft were responsible for and can not afford legal representation due to being a XXXX veteran on limited income. I receive XXXX and a small stipend from the Veterans Administration as income. 

At almost the exact same time my son, who lives with me, was involved in a near fatal car accident by falling asleep while driving home from college ( he had earned his tuition through the XXXX  program to attend XXXX  University ) but when I tried to explain to Bank of America that I would be unable to pay even my portion of the bills I had legitimately accrued they never responded to my hand written letters and the only response I have ever received was the summons.

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 2021-10-12
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2021, I applied for the third time an application for mortgage modification. I have submitted documents as they were requested in a timely fashion. The process has drawn out 6 months. 

XX/XX/2021, I was told that my original application for modification was expired, and that I would need to submit an entirely new application by XX/XX/XXXX. I resubmitted an application. 

I was told on or about XX/XX/XXXX that the application was complete and was being sent to the underwriters for review. 

On or about XX/XX/XXXX, I was told that I would need to upload a previously uploaded lease that was in their possession as well as a written statement of income and another signature on the application. Those documents were uploaded on XX/XX/XXXX. I was told that the application would be closed on XX/XX/XXXX if all of the documents were not received. I contacted the mortgage company on XX/XX/XXXX and was assured that the application was complete. 

On XX/XX/XXXX, I received a letter stating that the application was incomplete as they were still missing the lease submitted o n XX/XX/XXXX. 

In a phone call today XX/XX/XXXX, I was told they were still awaiting the lease that was sent on XX/XX/XXXX. 

The phone agents are doing their best to push the information to the underwriters, however there is a disconnect which is preventing my application for modification a proper review. 

I would like a proper response from the mortgage company to reopen the application and process it for a modification prior to my home going into foreclosure. I have submitted every documentation asked for in a timely fashion. So that I can keep my home.

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 2019-05-19
Company: PHH Mortgage Services Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan was with XXXX. I fell behind and do an application for a repayment plan. XXXX of this year 2019 XXXX sold to PHH mortage. I finished The three month trial payments. I called Phh regarding the end of my trial. I was advised to wait for documents to sign and notarize XXXX I called them two weeks later telling them I have not received anything I was advised to continue to wait. I called for the past two months and no one has gotten back to me Regarding my next payment. 
Now its XXXX  19 and my credit report states I am 120 days behind and I am unable to contact my account manager his email is also incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2021, I paid off my loan in full with Capital One Auto Finance on a XXXX XXXX XXXX. As of XX/XX/2021, after more than 20 phone calls I have yet to receive my title and am continually told 5 to 7 working days to address my issue. I have spoken with customer service, titling department and various resolution experts with no results. I am still awaiting my title 90 days after the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed a bankruptcy and received correspondence that it had been removed from my report and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The car was reported a total loss by the insurance company. Monthly payments were made on time. The insurance company paid off estimated value, we paid the difference as we didn't have GAP insurance. 
Credit Agencies are showing that there was a 30 day late payment, which has dropped my FICO score 15-17 points. No payments were late.

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 2019-05-19
Company: Bull City Financial Solutions, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company which I believe is a third party is trying to make me pay a debt that is not mine. How they got my name or social security number is beyond me but at this point I do not trust this company and would like to solve this in a court of law under oath where this 3rd party can present signatures, DNA, pictures or something to show who started this debt to clear my name. Court is the only safe option. As professional thieves this crooked company are they ask for information that can not be obtained. If I can show two things its not good enough because they want 4 or five its a bullying tactic that they knew is impossible not only that I do not trust these crooks at this point with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My name is XXXX XXXX XXXX. XXXX. I went to the ATM Machine Drive Thru in Bank of America in XXXX XXXX XXXX XXXX, CA XXXX with my EDD debit card on XXXX XXXX to withdraw cash during business hours. I withdrew {$1000.00}, but it didn't dispensed cash. I have the receipt that the cash is already deducted. I reported it to the no. on the ATM machine. I gave the ATM machine no. I went inside the bank too to report, the bank clerk said do not worry they have camera on each ATM machine. When I called they transferred me to 3 different departments which they asked my card no. to file a claim. I suspect one of them use my no. because their the only one I gave my cards no. Then the next day XX/XX/XXXX there's a fraud withdrawal again from my account which is far away from my place which is in XXXX, CA. which I don't go to. Then I called again and reported it. Then I called again today XX/XX/XXXX, they haven't return my money. and told me they denied the claim. How's that, we should be protected by the bank and also it's their security that messed up. It's not my fault but they are still holding my money. They said it will take up to 90 days. That's not right. The problem is they have merchant, its different company who takes care of the ATM machine that's why there's too many fraud. For me an ordinary person {$2000.00} is a lot of money. Please help me. I don't think it's fair. My email 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 monetary relief
Consumer complaint received 2018-10-23
Company: Kehoe Financial Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls repeatedly including my work. I can not receive calls of this nature at my place of employment. Futhermore, I have no idea what this debt is for or who the original owner of the debt might be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: CAVALRY INVESTMENTS, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Cavalry SPV I , LLc attornies filed a summons in Civil court against me XXXX of XXXX, 2019. Served to me at my home address and only address on file on XX/XX/2019. I then intern filed a Response to the civil suit on XX/XX/2019. On XX/XX/2019 Cavalry SPV I , LLC violated section 805 ( b ) my sharing my personal and confidential information with a Third Party. On XX/XX/2019 Calvary SVP, LLc filed a Certificate of Service of Plaintiffs initial disclosure in the Civil case against me. It was sent and signed for by someone in the state of Texas. I was informed they also broke rule 26 of Utah law. Failing to provide the debtor with proof of debt within 14 days. I still have not received any documents pertaining to the debt I am being sued for. I was told file a complaint with cfpb as Calvary has a history of such violation in many states. 
I can provide court records, case numbers and other documents that validate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I Have already filed a complaint on issue # XXXX. In that complaint CFPB ask not to send any personal info in the narrative which I understood I should not upload my social security number. I now understand I can upload that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Western Union short changed me when sending money to XXXX. Their exchange rate is much less than the actual exchange rate. This hidden fee is dishonest and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: U.S. BANCORP
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:
i applied for a checking account with us bank i checked the box that asked if i wanted to attach my usbank credit card to the checking account no where did it say on the application that i was applying for a usbank credit card they did a hard inquiry on my credit i asked them to remove the hard inquiry they refuse to remove it they say it was part of the application process this makes no sense i don't think that you have to apply for a credit card to apply for a credit card to apply for a checking account at us bank and if you do they should tell that you are applying for a credit card

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