BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-30
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I took out my first private loan in XXXX with XXXX XXXX bank as the lender and AES as the servicer. I have a total of 6 loans with a remaining balance of {$88000.00}. Over time my loans were sold to NCT. Over the life of the loan I have paid a total of {$160000.00}. I have been given incorrect information by AES on multiple occasions. In XXXX I was told if I made full on time payments for 5 years I could release my co-signer. Once I completed those 5 years I was told I couldn't release my co-signer because in the past I used a reduced payment plan. 

Current date I have requested contact information for NCT so I could speak to them directly. I was told " XXXX XXXX XXXX  '' was the contact for NCT. I called and gave them my SS # and they informed me they do not that my loans. I reach out to AES via certified mail twice to provide me with legal documentation with with NCTs contact information or paperwork stating they own my loans. As of today XX/XX/XXXX the only thing I have received is the original loan paperwork. Zero information for my lender-NCT. 

I am trying to find the lender for my set of loans to provide information of ownership as my lender with contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NJ
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 have been disputing this account for a XXXX  months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I opened a checking and a savigns account with Chase on XXXX. I deposited a check of {$15000.00} ( from XXXX XXXX XXXX with owner 's name XXXX XXXX ) to the checking account ( account no XXXX ) on XXXX XXXX and another check of {$15000.00} ( from XXXX XXXX XXXX XXXX with owner 's name XXXX XXXX XXXX to the savings account ( account no XXXX ) on XXXX XXXX. The funds were made into both accounts. However, I received a letter from chase that they closed both of my accounts and a check of {$330.00} was sent to me on XXXX XXXX. I was told they could n't verify the senders ' information and will withhold the two checks of {$15000.00}. 

The checks are written by XXXX XXXX ( my daughter in law ) and my son ( XXXX XXXX ) who live with me in the same address in US.  Chase was telling us that they could not reach them to verify the information and chase does not reject the checks or return the balance to me. The only option I have is to go to a branch with them together to verify the information and get the funds released. However, I am living abroad right now and not planning to visit US in a short term. I would need the funds either sent to me or sent back to the senders. However, chase does not give us the option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM DEMANDING YOUR ARBITRITION DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote a letter asking for proof that this debt is in fact mine ( i.e, a copy of my driver license, a contract bearing my signature ). I also requested verification of this debt collectors ownership of this debt. Nothing has been provided but a printout

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Shellpoint Partners, LLC
State: UT
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:
Shellpoint Mortgage - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with Shellpoint, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: EQUIFAX, INC.
State: MN
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:
I had a payment plan setup with the loan company which is XXXX XXXX XXXX bank, XXXX XXXX XXXX never notified the right department. Because of their error, my credit now is severely being affected. XXXX XXXX XXXX told me that they were going to fix it, yet they never fixed it. The late payments are still there on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted by what I thought was a person I work with, asking for my to make a paypal paymnet on her behalf It was a fake. But I didn't realize & paid {$920.00} via Paypal. They contacted me again asking for more money. XXXX & paypal won't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was just transferred to SunTrust now Truist. What terrible service. They bought my loan and assigned me a new loan account # but never bothered to mail or email me the new number so I have no way to create an account online to pay it. Calling their customer support number it just hangs up or gives busy signal. Requested an immediate call via their XXXX  page ( where many similar complaints can be found ) no response.

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 2021-05-14
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I owed {$120.00} for XXXX XXXX XXXX. I had mailed {$64.00}. I went to the website and made the remaining {$64.00} by credit card ; however, {$64.00} did not reflect towards the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022 - {$2000.00} and {$1100.00}, sent certified mail to XXXX, XXXX, and Equifax to dispute wrongful credit reporting and to provide proof or have that deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: CITIBANK, N.A.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Macy 's credit services has innaurately reported a missing payment states from XX/XX/2018. When this first appeared, I spoke with customer support regarding the issue and they resolved it immediately. This was due to an error with their payment system stating a successful payment even though there was a server error. The system was also showing my actual address but they were sending mail to an address that was two years old - which means I was not properly notified about the payment issue until well after. I had email billing notifications on and they failed to acknowledge this, and still sent physical mail to the over two year old address. The support team agreed to remove this negative report after I successfully paid the amount due over the phone. This is having a negative impact on my score and when I inquired most recently to remedy the situation and even close my account, I was denied doing so.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/XXXX, I submitted a formal complaint. I received a response from the company on XX/XX/XXXX that does not address the XX/XX/XXXX complaint. It almost appears that a computer generated the response as opposed to a human being looking at the issue. 

This is an account I have attempted to bring notice to the fact is not being reported accurately on my credit report, yet you have not disputed these correctly. The response to the dispute I get state this account belongs to me, yet I have not disputed ownership whatsoever. According to 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. How can this account be verified as being 100 % accurate without the necessary authorization shown provided by me?

Again, I AM REQUESTING TO RECEIVE THE DESCRIPTION OF THESE FINDINGS ACCORDING TO 15 USC 1681 ( 7 ). By law, Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If my written consent for the reporting of the following accounts was not provided and can not be provided, the following accounts must be 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 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One XXXX  closed my account on XX/XX/2021 for no reason at all. They never disclosed what the issue was. I had previously filed a complaint against them for failing to refund my money from a fraudulent XXXX wholesaler. They failed to do this so I filed a complaint. On XX/XX/XXXX they closed my account and said they would be transferring my funds to an attached outside account if I had one within 2-3 business days. I do in fact have a linked XXXX outside account and it is now well over a month that they have not sent my funds to that account. THIS IS ILLEGAL. WE ARE IN THE MIDDLE OF A PANDEMIC AND THEY ARE HOLDING THOUSANDS OF MY DOLLARS. I would like them to send my money to my XXXX account now. They have held my funds for over a month prohibiting me from paying my bills. This is unacceptable, unprofessional, illegal and I will pursue this matter even if it needs to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Global Lending Services LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My wife and I bought a XXXX  XXXX XXXX from XXXX XXXX, back in XX/XX/XXXX. We were financed through Global Lending Services, and have been paying on it ever since. 

Then of XX/XX/XXXX, my wife & I ask for the payoff amount to pay the car off. The total came to {$5800.00}, so we had to make two payments to them. One for {$4900.00}, and one for {$800.00}, due to they could only take a payment up to {$5000.00}. 

We figured that it was done, and now owed the vehicle. That was until XX/XX/XXXX, when my wife & I were trying to buy a house, and found out they reported to all three credit bureaus that our account status was repossession/foreclosure. 

I call Global Lending up, and they said they wails correct their mistake, and once again .... I figured that was the end of it. 

Until I took my title to the DMV. They told me I needed a Lien Release Letter from them, to have them taken of as the lien holder. 

I call them today, to get that .... To find out they gave the lien to an auction company. 

This is now getting to become a problem. 

They are messing up my credit score with XXXX XXXX and XXXX, as well as giving some auction company property that I have in my possession, and have paid off as agreed to the contract. 

This has to be illegal, and my wife and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX Reported : XX/XX/2021 {$92.00} There are no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2023-05-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business checking account on the phone with Truist on XX/XX/, with a welcome offer of {$300.00} ( promo code XXXX ). I requested that the agent opening my account attach the promo code XXXX, and she confirmed that she did. Till this day, after fulfilling the terms on XXXX I still haven't received the advertised {$300.00} bonus. I contacted Truist multiple times via both email and phone, but the issue still hasn't been resolved.

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 2020-05-30
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a senior, trying to pay ff my mortgage. When I called Mr Cooper for the payoff number earlier this month, they wanted to charge me {$25.00} to tell me the number. Instead, I paid off the outstanding loan amount. Yesterday, I received a letter with the pay off amount {$100.00} if I paid it THAT DAY. I got onto my computer and transferred the amount plus 2 days additional interest to the lender. 
After reading the paperwork sent with the statement, I saw the payoff amount must be via a wire transfer or a certified check. This is a huge problem for me right now. Pennsylvania is still a red state. It is difficult to do a wire transfer or certify a check with limited bank hours and since I've been quarantined for the past 11 weeks, I'm not comfortable going into the bank. Then, the several days it will take for the mail to deliver to the lender, or the additional money it would cost to XXXX  the check plus the cost of a wire or certified check all add to my financial burden. Why is this a stipulation when the mortgage company will already have my pay off amount on Monday and I certainly would not be ale to take it back? This arbitrary rule would annoy me under normal circumstances but as an immuno-compromised older citizen, I find it to be heavy handed and mean under these Covid 19 circumstances. I might also add I have never been late with a payment and have never given this company any trouble in the past. I simply need them to work with me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation