BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
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:
EQUIFAX, XXXX XXXX XXXX Ga, because Equifax won't remove the hard inquiries, XXXX XXXX and XXXX  will not either. 

After cleaning up my credit in order to purchase a home, Equifax place a freez on a credit line costin me points needed to qualify for down payment assisantance, then placed a massive amount of Inaccurate Hard Inquiries, During a period of rate shopping for a home in XX/XX/ inquiries where made on my credit report. Some inquiries where duplicate inquiries. I later found that this was being reflected on my credit report. 
This is the 2nd time I have contacted all three credit reporting agencies requesting the removal of Hard Inquiries from my credit report. As a result of a failure to comply with the requirements of the FCRA, I have suffered, and continues to suffer, actual damages, including economic loss, denial of credit, lost opportunity to receive credit, damage to reputation, invasion of privacy, degraded social standing, and emotional distress XXXX XXXX XXXX XXXX NOT AUTHORIESED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX DUPLICATE INQURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX REQUESTED REMOVAL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX MULTIPLE INQUIRES XXXX/XXXX XXXX XXXX REMOVE INQURY XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX  XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX XXXX CA, XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. I have worked very hard in cleaning up my credit and have suffered the cost of losing bond money as a 1st time home buyer and still suffer of having to pay a higher interest rate due to hard inquiries. There are also Zombie accounts that keep being placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX XXXX in the amount of {$80.00} and it 's reporting on my XXXX credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: BB&T CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BB & T Loan number XXXX. Mortgage was against XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. House was sold and closed on XX/XX/2018. Closing was handled by XXXX XXXX XXXX XXXX XXXX branch here in XXXX . XXXX did the research for payoff as of that date XX/XX/18. The quote from BB & T was {$110000.00}. The last monthly payment was made XX/XX/XXXX for {$950.00}. The payoff came XXXX-18. I was confident that BB & T or their contractor might try and ACH another draw of {$850.00} after the closing dollars were paid. I knew the payoff was to happen 3-4 days before XX/XX/XXXX and they would try to draw that payment so I instructed my XXXX XXXX  to not allow them to draw the monies.. So on XXXX-18 they show that stop payment and then proceed to take away from the escrow due to us in the amount of {$1200.00}. Their records show that they would only be sending {$360.00}. We have contacted them via phone calls and two different emails to a supervisor. He has not even responded to those emails. I attached in those emails per his request our bank statement in XX/XX/XXXX which showed the payment made through ACH. I also talked with XXXX XXXX Monday the XX/XX/XXXX and obtained from them the wire service documentation on the payoff. This is SOP for Title companies on a house closing. I am attaching supporting documents that backs what I'm saying as well as BB & Ts ledger that does the same.

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 2018-08-23
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Phoenix financial repeatedly calls me. Sometimes i answer and they hang up without saying anything. So i have to call back. I have to ask what business is calling me every time. They do not state why they are calling until i ask. They call me from different numbers at least 3 times a week. I block the number and they call again. I state every time to stop contacting me. I do not owe any debts in what they are referring to. Then they argue theyve never called me before. When i state to stop contacting me they argue with me. Ive also informed them every time they contact my cell phone i will report them for harrassment under the fdcpa for the repeated phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PAYPAL is currently holding {$1300.00} of my money since XX/XX/2018 even though I satified all of the requirements that are stated in the 1. ) PAYPAL disclousure for holding funds, 2. ) telephone conversations with PAYPAL representatives and 3. ) notices on my PAYPAL account computer page.

In XX/XX/2018 I started listing and selling my collection of toys on XXXX to supplement my income. XXXX required me to open an account with PAYPAL to act as the " BANK '' for payments. I followed the PAYPAL instructions and set up the account as required. I began receiving money for my toy sales which was automatically placed on hold by PAYPAL for 21 days with the option to release my money early if I could provide an proof from the purchaser stating 1. ) the item was received 2. ) they were satisfied with the item they bought. I first provided an XXXX " positive feedback '' from every customer assuming that was what the feedback option was intended for but PAYPAL demanded additional information in the form of an email from the purchaser stating 1. ) the item was received 2. ) they were satisfied with the item they bought. I then contacted every person I sold items to, explained what PAYPAL was demanding for the release of my money and they all replied with mails reconfirming that they were satified along with notes about how they also thought the XXXX " positive feedback '' response should have been sufficient evidence that they were satified to PAYPAL. After numerous telephone calls back and fourth from XXXX, PAYPAL and myself a portion of my money was released. When I started the process to again have the rest of my money from my toy sales on XXXX released, I was again required to " jump through hoops '' but this time with the added demand for and UPLOAD OF PHOTO ID, PROVIDE PROOF OF FULLMENT and PROVIDE PURCHASE RECEIPT FROM THE SUPPLIER. I did as required, going so far as to optain a new NJ MOTORVEHICLE IDENTIFICATION ( I am XXXX   and do not drive ) just to satisfy PAYPAL. I originally submitted my passport as identification which they would not except.

After complying with all of the extra requirements and checking daily to see when my funds would be available I received an email that stated : FOR SECURITY REASONS YOUR FUNDS WILL BE HELD FOR 180 DAYS. I called PAYPAL several times and the representative stated that they did not know what specifically " FOR SECURITY REASONS '' meant and would not transfer my call as the security department did not take phone calls. I tried emailing and submitting comments to no avail. The 21 days hold is long since past. ( XX/XX/2018 ) so my funds should be available no matter what.

Additionally, I requested and explaination in writting of " FOR SECURITY REASONS '' each time I spoke with a PAYPAL representative and have never received and explaination of why or what was necessary to release my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: WELLS FARGO & COMPANY
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I HAD NOT REVIEWED MY STATEMENTS IN A FEW MONTHS, SO I DECIDED I WOULD GO THROUGH EACH CHARGE CAUSE IT SEEMED LIKE I WAS PAYING MORE THAN WHAT I HAD USED IT FOR! AFTER GOING THROUGH I FOUND A CHARGE ONXX/XX/17MADE BY XXXX XXXX  FOR XXXX ONCE I FOUND THIS I CONTACTED WELLS FARGO AT XXXX I SPOKE WITH A GIRL NAMED XXXX SHE TOOK MY FRAUD CLAIM AND SENT ME A NEW CARD THEN A FEW DAYS LATER I GOT A LETTER CLAIMING BECAUSE I KEPT MAKING PAYMENTS THAT I VALIDATED THE TRANSACTION! I KEPT MAKING PAYMENTS CAUSE I DIDNT WANT MY CREDIT SCORE TO GO DOWN, AND I HADNT GONE THROUGH MY STATEMENTS IN A WHILE CAUSE I JUST DIDNT HAVE THE TIME! I DID NOT MAKE THIS CHARGE AND I DESERVE MY MONEY BACK.

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 2017-11-08
Company: First Credit Services Inc.
State: TN
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 an account reporting on my credit file as of XX/XX/XXXX that is in collections for {$180.00} with XXXX XXXX XXXX. I just turned XX/XX/XXXX of this year. This is not my account. I tried to dispute it online with the credit bureaus today but was unable to create an account due to my age.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: AES/PHEAA
State: VA
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:
In 2017, I realized I was in the wrong repayment plan, I had spoke with Fed loan to get on the right repayment plan and they told me I needed to consolidate my loans in order to get in the program. I just found out that my prior eligible employment won't count because this was prior to consolidation. All of my loans were direct subsidized and unsubsidized and did not need to be consolidated. I lost six years of eligible work and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTE ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Navient Solutions, LLC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I paid my loan off last year. XXXX XXXX has been calling me everyday. When I ask for them not to call they said they don't have the capability to put me in do not call and that Navient sent my information to hundreds of places and they are calling me everyday. XXXX is one of the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX account # XXXX was removed from XXXX report XX/XX/2018 unverified/inaccurate account XXXX & Experian please remove & delete false account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A complaint was filed against on XX/XX/2018 against this company, the company responded on XX/XX/2018 and said ( see below ) they have requested to delete the account from Credit Bureau. 
As of today, the collection is still on the report and credit bureau said they have not received any notices form SOURCE RECEIVABLES Management to remove the collection. I have also disputed the collection account with credit bureau and they submitted my dispute to SOURCE RECEIVABLES Management but SOURCE RECEIVABLES Management affirmed the collection being valid.

************************************************************************ XXXX Company responded STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation We have received and reviewed the consumer complaint claiming that this account is fraudulent and therefore he is not liable for the debt we have reported to the consumer reporting agencies, and requests deletion from such agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is calling several times a day, 7 days a week. I have explained my situation to them several times, but the constant barrage of calls every day is harassment in my opinion.

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 2018-02-23
Company: Ad Astra Recovery Services Inc
State: CO
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 XXXX This is on my credit report and I have never signed up with XXXX. Please remove this from my credit report as it does not pertain to me. I have never lived in California and if this debt is no longer in your hands then you need to remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am executor of my mother 's CD account. She had added 3 beneficiaries to her CD ( me, my brother and sister ). When she passed away recently, I tried to close the account and have three checks made out to the beneficiaries, as per my mother 's wishes. The bank refused to give me the three checks, even though they had been issued and were sitting in front of me, unless we provided them with a signed, notarized letter from each beneficiary requesting that the account be closed and checks issued to the beneficiaries. Mom had accounts at 10 different banks and/or savings and loans and this is the only one that required this additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After 10 years of paying my Chase Freedom credit card on time, with no problems that I know of, they cancelled the card, saying that there was " Not enough credit information available '', citing " XXXX '' ( the company that was hacked last year ) as the source of their information. The other two reporting agencies show me as " On Time '' and " OK ''. My credit score is in the low 800s, etc., nor did Chase ask me for more " credit information. '' Since this was the card I used the most, especially for recurring payments, this caused me a lot of trouble to clear up. I just want to caution people about Chase. I pay my credit card off each month, so they are not making much money from me. Is this the reason for cancelling my card?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The CFPB needs to really get their XXXX together. How do you keep closing a claim that I am filing stating that KOHLS is reporting a debt I do not owe because it was paid - then they respond and say it is valid?? HOW??? 
HOW is it valid when the bureaus show it paid and XXXX except XXXX   and HOW is KOHLS responding that the DEBT is valid??????????? you guys are all XXXX and do not know how to do your jobs. 

All you guys just think you can do whatever the XXXX you want and you are ALL in violation!!! Kohls debt collection and reporting on my credit report EVERY MONTH WITH A BALANCE THAT HAS BEEN PAID - how the XXXX is that valid? when I paid the debt and other bureaus show it paid. I paid KOHLS directly! 

kohls is in violation updating monthly to XXXX  for a debt that has been paid!!! I am contacting the attorney general and filing suit again both of you guys. What a XXXX joke. 

They are reporting a balance NOT owed and damaging my credit monthly. I have been denied financing because of it and guess what - that is grounds for a law suit -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a huge concern and I believe your agency can help me. I have lived in the state of Louisiana for 17 years and I have owned a home in XXXX, LA for 10 years. I am a proud community member who is invested in living my life there. My concern is that I am in danger of losing my home. Carrington Mortgage is the servicer of an FHA loan and they are trying to take my home without giving me a chance to make things right. I am a skilled pipe fitter and have been doing this for 10 years. I work hard and make good money but in early XX/XX/2017 my work hours were significantly reduced. I have had a difficult time ever since. I had to use up my savings to hang on, scrimping where I can but I unfortunately couldnt stretch any farther and I missed my first mortgage payment that XX/XX/XXXX. It was humiliating. I have been trying to get help ever since. 

I contacted Carrington Mortgage for assistance but was given the run around. I called and called but with no particular person to help me it feels like a never ending task. I sit on hold for long periods of time before I am told I have the wrong person and have to hold again. One person tells me one thing, then another says thats not right. What else am I supposed to do? I imagine my applications sitting on someones desk for weeks without being touched. Do other people have to go through this if they need help? Whatever happened to customer service? I have applied for a modification now many times and each time I was denied and the process would start all over again. Plus I am never told why I am being denied. So frustrating! I cant seem to get a break. Then I was told I qualified for a repayment plan but, after going through the agonizing process of applying for that I was denied for that, too. Who can help me? I have asked to speak with supervisors, managers and anyone with some authority but I get nowhere. I am getting desperate. I really hope you can help me. 

I am making good money now and I am finally starting to get back on my feet. My sister is now living with me and is helping out with the finances. She is also a hard worker and is committed to helping me keep my house. Together we have a comfortable life and would be devastated to have to move. I know I can make good on this loan if I can just get another chance and have some help in dealing with Carrington mortgage. I am sure there must be laws that protect and help someone like me. I am willing to apply for whatever program would get me started again and follow through with this if there really is hope that I can get the help I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EOS Holdings, Inc.
State: PA
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:
Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: SYNCHRONY FINANCIAL
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: Public record information inaccurate

Complaint:
I filed bankruptcy chapter XXXXXX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my XXXX credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.

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