BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: AES/PHEAA
State: MA
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:
I am a XXXX XXXX. I have been part of the Public Service Loan Forgiveness program for many years. When I came out of XXXX  school in 2009 with a XXXX XXXX in XXXX XXXX I had about {$92000.00} in student debt. I have been a XXXX for these last ten years paying as much as I can a month. Over {$500.00} per month for the last several years, my wife is in the same boat. The amount of money we pay each month is close to {$1000.00}, like having another mortgage. This has kept us from purchasing a home, but we were willing to pay because we are so grateful for our education. I pay currently {$540.00} a month, which is less than the interest on the loan. I'd wager that I have paid between 25K and 35K in the last 10 years, but my loan ( originally XXXX ) is now XXXX. All that money paid and my total has only gone up ... XXXX XXXX dollars. The promise of forgiveness has kept me focus on working hard and paying, even though my balance each month goes up after I send them 100 's of dollars. 

To see now that others have completed the program but are being denied forgiveness is totally terrifying. I feel that we were all lied to, and that our future is in jeopardy. The Attorney General seems to be the most focused on this outrage of anyone in the country, and I feel very lucky to be a Massachusetts resident. I need your help, and would like the support of the CFPB to protect my family, and make sure that the promises were made to us over ten years ago are kept. 

We became XXXX to help make our communities better, we ignored the chances to make more money in order to give back, because we believe in public service, just like you who are reading this. The ability to be free from these debts after our 10 year commitment, and the chance to by ourselves a small house somewhere and get a dog should not be outrageous dreams that are unattainable. 

Please let me know what I need to do, and I will do it. And thank you so much for this chance to fight back and not be bullied by these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have call Experian several times regarding many factual errors in reporting on my credit report. And i have discussed those errors to a supervisor and nothing was ever done at all to fix or removed that account off from my credit report. 

It is illegal for a creditor or collection agency to change the purge from date on a negative credit listing, causing it to remain on a consumers credit report longer than allowed by federal law. 

please see attach docs ... .PLEASE DELETED 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 2019-03-04
Company: LCO Financial Services, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My original loan was {$1400.00} My fotst payment was {$260.00} on XX/XX/19 Senconf payment {$370.00} on XX/XX/19 Third payment {$370.00} on XX/XX/19 Then i can on friday XX/XX/19 to schedule the full loan amount the representative that day say my remain balance to oay in full was XXXX cents Then they wildraw out my account {$1600.00} cents i call and try to unfetstand the XXXX say he review the conversation and hecsay the amount was okey to be charge then i make the numbers and dont make sense after 3 payments 2 of XXXX and one of {$260.00} total of pauments is {$1000.00}. 44 then yo pay complete {$1600.00} is way over payment i considering this and abuse of people on need like me. Please help The comoany go with another name XXXX Or BLUE TRUST LOANS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage. I refinanced my condo in XX/XX/XXXX. I received a letter XX/XX/XXXX requesting proof of XXXX insurance. I purchased XXXX insurance XX/XX/XXXX and provided proof to Freedom Mortgage. I received a second letter asking for insurance from XX/XX/XXXX to XX/XX/XXXX or I will be fined over {$500.00}. I contacted my agent and informed him I was not informed to purchase XXXX  during closing. I looked over the closing documents it states fire insurance my HOA master insurance cover fire insurance which Freedom Mortgage has on file.

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 2017-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged unreasonable service fees by Capital One Credit Card Company. I made a cash advance transaction from ATM Machine in XXXX on XXXX XXXX 2017. Capital One charged me extra service fees for the same transaction in violation of the Fair Trade Act.. I was charged 3 additional amounts of {$10.00} for the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Every time I am contacted by credit acceptance or call them. They use abusive debt collection practices. Demanding I make a payment immediately and then continue to ask why I am late. After, I have called and explained why several times. They refused to accept my card information until I tell them why I am late every time. I have asked them to stop using these tactics and they continue to refuse. This violated the fair debt collection practices laws. I have offered to pay them. Asked the rep. to please stop asking me every time she will not. Then refused to take my payment information. Making it a violation again.

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 2020-11-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

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 2023-03-21
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was under personal circumstances and were convince to accept. Then no help to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: EQUIFAX, INC.
State: CA
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:
About four months ago i discovered that i have been a victim of identity theft. At that time i had filed an identity theft report through www.identhithytheft.gov and reported my finding to all three major credit reporting agencies ( equifax, XXXX and XXXX XXXX ). all the account that was reported on my credit report that was opened up by the identity theft person was removed from XXXX XXXX and XXXX. but in the other hands equifax has not done nothing to my dispute letters and my rights as a consumer and all it states in my credit report ( consumer disputes - re investigation in progress ). this has been gone for four months and they have not done nothing to protect my rights.and that is the reason i am here now to get help resolve my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been received phone calls from XXXX today I called the number back was advised that this is regarding a debt from 2011 from a payday loan. since this is a debt collection company I was NOT advised of my mini Miranda right since this was the initial contact that I had with company, according to the FDCPA it has violated the Fair Debt Collection Practices Act, the law that governs what debt collectors can and ca n't do.. I advised the representative that I never had such debt and if I did it was included in my bankruptcy. She began to get rude and would not let me speak and then disconnected the call when I attempted to ask her to validate the debt and send the information to the address they had on file. she hung up. I called back and she stated that they call dropped and then I once again requested they validate the debt. she gave an address that I have not lived at in over 10 years. this company is a scam and they are attempting to extort money that is not owed and threatening to take legal action with no validity to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, 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:
To whom this may concern, About a month ago, I received a notification from XXXX XXXX how my scored had changed in the Equifax report. I noticed a collection was added of almost {$200.00}. I looked up the company and have never heard of them. I quickly pulled an Equifax credit report and the collection charge was still there. I reached out to Equifax customer service and a great representative gave me some clarity and also agreed that it may be a mistake. XXXX XXXX ( the Equifax representative ) told me to give him a call in a few days for an update as he began an investigation. Few days later, I call and receive a different representative. They have a lot more trouble pulling up my account. I gave them my full name, DOB, SSN, etc. Nothing was working. After a good 15 minutes of being on the phone, they tell me they a supervisor and places me on hold. I then get disconnected. I want to think they did not hang up on me, but I expected a call back since they did know my phone number. I was never reached. Today ( XX/XX/30 ), I call again. First of all, the representative does not say they are Equifax customer support, so I am already skeptical that I even called the right phone number. The person then says they represent Equifax. This rep is also having issues pulling up my information. Roughly around 15 minutes, they put me on a hold and I get disconnected. This is the second time this has happened so they must be hanging up on people when they are struggling to help a person. Of course I did not receive a call back. I called again shortly after and I ask for XXXX XXXX immediately since he has been extremely helpful since the start. I get transferred and although he also struggled to find me ( he said he had to look me up through the collector ), he never hung up on me. 

So I have two issues at hand here : 1 - Equifax is showing a collections debt from another person. The charge is for the same name but that person has a different date of birth and different address. XXXX XXXX states that an SSN is not even present. XXXX  does not show any of this. 
2 - Equifax customer representatives are hanging up on people. 

Please get in contact with me as I need an update on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Last year i got fully verifed letter from Quicken loans that said on it '' as good as cash '' then i won the bid on a Hud home on XXXX XXXX ca and then my relator told me we needed a appraisal done, the appraisal looked faulty and was told water damage in the kitchen need to be fixed and the only way was with a esscrow hold back. So i called quicken and they said they dont ever do esscrow hold backs which did seem like as good as cash. this all happen XX/XX/2018. Two weeks ago i was on XXXX  XXXX and seen it was back in the market so i called my dad who was in relastate so he could look up buyer and seller, he got realy mad ..then a few days later i whent back on XXXX XXXX and the dates all changed on buyers history and it no longer showes the date when my bid was excepted when before it said pending. 

It was first time i was ever in a postion to own and flip a house or just own and if i was a victim of dihonest practice i should be comfisated, the house has went up over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an account with SUNTRUST mortgage since 2005. I have never been late on the payment because my payments are automatically withdrawn from my account. For the past XXXX months i have been charge late fees due to errors in the SUNTRUST mortgage department. I am being told that payment are put in some sort of account because Suntrust reports they did not know where to apply the funds. Their response is very questionable since the draft payment have the mortgage account on it. I have called and have the error corrected in the past. but the problem continue to happen. I am in the last phase of paying off my home and based on evidence based actions from the bank and on my experience, the Bank is making errors so that it will not happen. I am not sure what other options I have since I am soon to be in my XXXX 's and not sure if i will qualify for another mortgage. I am very concern I maybe the subject of elderly discrimination with this bank. Please review my complain and advise what are my options. Also after speaking to the Bank representative, they want access to my account. I am very concern and will not permit the Bank access to my account because of the potential of Banking errors.

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 2021-06-22
Company: EQUIFAX, INC.
State: AL
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:
Credit repair company has failed to investigate and delete the accounts requested to be deleted due to being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2021-02-24
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was released from XXXX XXXX on XX/XX/XXXX. I was originally placed into XXXX XX/XX/XXXX -- So I was physically not able to leave any XXXX XXXX during that time. 
Upon release I checked my credit reports and saw that multiple credit card / store cards had been opened. I also saw these two medical complaints as well and disputed them at the same time. 
Companies like XXXX, XXXX, XXXX XXXX all did investigations with the documentation from my XXXX XXXX  and they resulted in removal from my credit history/report. 
The only two remaining debt collection accounts that I COULD NOT HAVE OPENED BEING XXXX, are being held by a company called XXXX XXXX XXXX our of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The company is always threatening, verbally and literally aggressive during calls to inform them post-disputes that they have something incorrect. I have been trying to resolve this because of two reasons ; 1. I was in FEDERAL XXXX XXXX 2. IF SOMEONE HAD USED MY NAME WHILE I WAS IN XXXX THEN WHY SHOULD I BE RESPONSIBLE FOR THE DEBT? ANY MEDICAL DEBTS WHILE IN XXXX ARE COVERED BY THE BUREAU OF XXXX OWN MEDICAL SERVICE TRIAGE EACH XXXX LOCATION HAS. 

I tried at least 5 times to calmy speak with this company, I have disputed at least 8 times on the 3 different bureaus and this collection agency always comes back with the answer of, " Verified as accurate ''. 
But I could not have left XXXX, I was sentenced for XXXX XXXX and they do not give furloughs to XXXX XXXX even though my charge was XXXX XXXX  with a note. Because XXXX  is XXXX  I under federal guidelines can not leave the XXXX and could not leave the XXXX in XXXX, PA United States XXXX XXXX. 

Today is XX/XX/XXXX I have lost count of exact attempts at disputes with a actual Federal letterhead stating that I was in XXXX  during that time. This is what resolved all of the other opened while in XXXX. This company seems to be aggressive, and not cooperative at all when I try to inform them that its impossible for me to have made these. I have documentation proving my XXXX. Thats all I need to show that I could not go for a drive from PA to IL and open these accounts for whatever medical issues they are for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: Experian Information Solutions 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
my XXXX XXXX XXXX  was canceled and closed on XXXX, I've disputed this with all XXXX credit reporting Bureaus and they will not fix this and are reporting a balance of over {$4000.00}, it was a secured credit card that never actually held a balance but now even after several disputes and calls they will not fix it, I've contacted the bank and they agree that it was closed, and I have a screenshot of the chat with the bank with them stating when it was closed.

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 2020-09-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
Money order was purchased XX/XX/XXXX in XXXX, NY for {$1000.00} I totally forgot about the money order, and I tried to use it XX/XX/XXXX to pay my XXXX XXXX XXXX XXXX The money order was returned to XXXX XXXX XXXX - I didn't realize that the money order loses value after 3 years and that's why it was returned. However, since XXXX XXXX XXXX is such a big company with a huge AR department, they can't find the returned check. 

I've been dealing with Moneygram with 2 years and they are playing games with me till this day. They are able to pull up the money order and see that the money order was never cashed, but still request the original money order. 

Essentially, Moneygram is holding onto my money that is not rightfully theirs, but mine.

Company response to consumer: Closed with explanation