BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: National Credit Adjusters, LLC
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: Account status incorrect

Complaint:
I reviewed my credit report for XX/XX/XXXX and the account information from National Credit Adjust show account is charged off or in collection XX/XX/XXXX on XXXX and XXXX. It show last date of activity on XXXX on XX/XX/XXXX. it show the last date of active on XXXX as XX/XX/XXXX. I looked at my credit report for XX/XX/XXXX on XXXX and now it shows as 120 days late last reported on XX/XX/XXXX with last payment date XX/XX/XXXX. I have been disputing this account but it seems that when I dispute it the company change the report date on it to keep it current on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XX/XX/19 pulled credit with out my permission I did not give them permission to run or sign no contract agreeing to running ( HARD CREDIT ) XXXX very deceptive. I have also file a complaint with the US Attorney office as well on 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 non-monetary relief
Consumer complaint received 2019-04-16
Company: Nelnet, Inc.
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:
I have been a XXXX XXXX XXXX XXXX student at XXXX University in Virginia since Fall  2018. I received federal student loans to pay all of the tuition and related school expenses. I finished the first semester, but we began hearing rumors that XXXX had defrauded the students and misappropriated all of our funds, including amounts held as as students account credits early into the Spring semester. On XX/XX/XXXX, we received written notification from XXXX that the school was closing immediately. On XX/XX/XXXX, I received notification from the Department of Education that my loans for the Spring term were cancelled. As a result I filed the discharge paperwork through my servicer, Nelnet. Arrangements have been made for most of XXXX students, including me, to transfer to XXXX XXXX XXXX in DC as of XX/XX/XXXX. On XX/XX/XXXX, I was informed by Nelnet that the loans were not cancelled and I was now in repayment status ( grace ) because they have decided that the school is not really closed despite XXXX actually ceasing operation and having a trustee appointed. They will not allow me to speak to their claims department, but they can not explain their decision. This is either a case of complete ineptitude on their part or their compensation model is based on collection activity, thus they are motivated by blatant self interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: MONEY SOURCE, INC., THE
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, my wife and I purchased our home with a VA loan ( I am a veteran on XXXX XXXX XXXX XXXXXXXX ) from XXXX XXXX. In XX/XX/XXXX, we went on a covid forbearance for 6 months. We were told that there would be no penalities, no fees and no payments that would be due during the forbearance and when it was over we would be able to push the payments during the forbearance to the back end of the loan and just resume normal, on-time payments when it was done. 

In XX/XX/XXXX, my wife got XXXX  and lost work so we extended the forbearance through XX/XX/XXXX. At the end of XX/XX/XXXX, I spoke with an agent at XXXX XXXX to resolve the forbearance with a plan that would roll the missed payments to the back end of the loan and we would start making regular loan payments in XX/XX/XXXX after they send documents for us to sign and return updating the terms of the loan. They never sent the documents to return and when I called to find out what was going on, I was told that they didn't know why the documents were never written up or sent. They confirmed that the call I made with the agent about resolving the forbearance happened since they didn't seem to believe me and still couldn't explain why it was never done. They made no further effort to resolve the forbearance and update our mortgage, never even sent invoices for mortgage payments and in XX/XX/XXXX, they sold our mortgage to a collection company, The Money Source. When I asked why they sold our mortgage off to a collection company they said they did it to " free up capital '' and that was something ALL lenders do ALL the time. 

The Money Source did not believe or care that we were on a forbearance and their resolution was to charge us varying amounts of interest ranging from $ 27k- $ 43k -- we received multiple bills and they were declaring us delinquent on our mortgage and over 444 days behind on our mortgage. They started a campaign of harassment against us by calling daily early in the morning, every morning, to " update us on the status of our mortgage '', yet could not explain how a mortgage would change so much so often that we would need daily, early morning updates. They tanked our credit scores by reporting us delinquent to all credit agencies and were sending us bills for the full amount of " interest '' we supposedly owed while we were on the forbearance as well as bills for the payments of the mortgage, yet they had never sent us any documentation to resolve the forbearance either. 

We completed 3 payments earlier this year that was supposed to resolve the issue and they were to send documents for us to sign for regular mortgage payments going forward. They sent documents but did not subtract the payments we had already sent them against the total of the mortgage and still wanted us to make higher monthly payments and pay a massive lump sum of " interest ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Sears Mastercard Billing Dispute and Fraud XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Citi Bank Billing Disputes Mastercard : XXXX  _____________________________________________________________________ Sears is giving me the run around and I should have to go through this. I have sent over thirty pages by fax 4 times to their billing dispute department and every time I call, it highly appears they are lost or can not find any of the documents I sent to them about the merchant that deceived me for several months by theft by deception with false impressions for him to obtain a very large financial benefit from my credit card. By this merchants misconduct he knew my XXXX child needed XXXX XXXX XXXX XXXXs and the merchant withheld that information from the family court since XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> just to get money, and he left me special needs child 's life dangling by a string and he did not care if my son XXXX or live. This merchant cause harm and damaged my XXXX XXXX  child and put his life at risk causing a forced removal away from his medical treatments, rehabilitations, and specialize team of medical specialist. I had to hire another merchant lawyer to clean up this mess in a emergency, as this merchant XXXX XXXX of XXXX XXXX XXXX never appeared in court or filed a court motion ever. I found out the truth on XX/XX/XXXX when the family court clerk told me this merchant XXXX XXXX was never on any record in the Court ever. My family and I have been through so much and now Sears whats to play games and cause more unwarranted hardship, even after I sent them over 30 pages with proof. I have filed a complaint in the US Dept of Justice against this merchant for the violations he has conducted and that it other victims he did this to going back to XX/XX/XXXX when they filed lawsuits against him for the same misconduct. Please he this company fight for me and not against me to cause more damages. Because of this horrible merchant and his deception, my case went to the second highest court in the the state of new jersey called the Appellate Division of Superior Court costing me a financial lost of over {$25000.00} now and damages.

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 2022-03-09
Company: Southern Management Systems Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered the collections debt on my credit score account. The following are reasons I am making this report. 

1. I did not receive notice from the collection agency about the debt. 
2. It is claimed that I owe a rental agency now known as XXXX XXXX XXXX ( previously XXXX XXXX ). The rental agency claims that I didnt return the keys among other things. This is not true. I dropped it in the rental agencys Dropbox. I wrote the rental agency to that effect. The rental agency never replied. I met a worker at the rental agency. However, the rental agency said they would reply by email and never did. 
3. This is a fraudulent attempt by both rental agency and debt collections company to put me into debt. 
4. I have attached the email to the leasing agency. They didnt reply the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 someone did a atm withdraw for {$2000.00} XX/XX/2022 another withdraw at a different place for {$2000.00} XX/XX/2022 again for {$2000.00} XX/XX/2022 was the last withdraw for {$2000.00} The company JPMorgan Chase never reached out to me with all these withdraws considering i have never done withdraws like that in the last 8 years i banked with them. I never even been to those ATMs ever in the past. I was only alerted because my landlord reached out that the auto pay for the rent did not go through. My account was over-drafted and still no alert of the withdraws on my account. I reached out to Chase on XX/XX/2022 when my landlord notified me of no payment. Chase said they will investigate and resolve within 10 days. Today is XX/XX/2022 and i called them to see why i dont have my money back in my account for these unauthorized withdraws that someone stole from me and left me with no money to pay anything. They told me on the phone that the investigation is closed and i will not be getting my money because whoever took my money didn't make any mistakes with my PIN during the withdraw ... ... Now im left with nothing in a place i trust to safeguard my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Central Portfolio Control Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was not discharged in Bankruptcy. However, has passed the statue of limitations. 

In XXXX or XXXX I took out two credit cards. XXXX XXXX credit card and a XXXX XXXX Credit Card ( I believe the bank was XXXX  but unsure ) In XXXX I stopped paying on these two credit cards and haven't touched the accounts since. 

In XXXX Central Portfolio took over both of these accounts and posted them to my credit report XXXX balance {XXXX} XXXX balance {XXXX} I have not touched either of these accounts in over 6 years. However on the credit report it is showing as a new debt. It is also showing that the original creditor was XXXX XXXX XXXX I. This is not true. The original creditor was XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yes, first of all I want to say how sad the world we live in that the people that ate supposed to trust our money let us down and its almost as they discredit us and we end up having to deal with the consequences that isnt fair they failed to even give me any type of temporary credit meanwhile case gets investigated further nothing they failed to provide me with some kind of proof that shows or that can prove theres no error posted, I have a letter from my pastor I was at a church retreat the days of the unauthorized transactions for a week nowhere near I was out lf town I have booking hotel pastor letter pictures of the XXXX services i was at all week there needs to be some light into this case Ive waited way to long to walk and gunna start a XXXX live to get media attention so that others in my situation. Can get some light it should not take 90 days it should not take as long and if so the RIGHT way to do it was credit the claim amount until the case is resolved kt make someone feel like there the suspect or a liar you guys got sued in XXXX for the same thing denying claims Ill be reaching out to the media stations as well to shone some light

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 2019-08-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I asked that my mortgage be reported to proper credit agency. If I am making my mortgage payments on and before time, I deserve to have them reported. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Byrider Franchising, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage servicer is Select Port Folio, Requested mortgage assistance because I have been affected by covid-19, and the mortgage term ballooned out. I have requested assistance several times. I have received denial several times, each time I receive a denial for mortgage assistance it has been for a different reason. The mortgage servicer mortgage assistance dept. appears not to know how to process my request. I am a teacher, the pandemic has been difficult for me mentally, financially, emotionally and I lost several family members of which I help to bury to the pandemic. I need a Covid -19 mortgage assistance, my mortgage loan terms fixed with a fixed interest rate and term. I don't want to be homeless. Some of Select Port folio reasons for denial is the investor does not want to modify my mortgage, and they don't have my income information of which I have faxed and emailed several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently applied for and received an XXXX XXXX XXXX XXXX XXXX XXXX XXXX offered through Barclays Bank. 
I was offered the card on a recent flight on XXXX XXXX. I asked at that time if I could apply online and was told that I could. I was told to refer to the promotional code on the application ( see the attached picture showing that code, XXXX ). 
When I applied for the card, I was told that the first years annual fee would be waved, ( see attached photo of the application brochure that states that ). 
On my first statement, I was charged the XXXX  fee. I complained to Barclays about this charge and their written response to me stated that Were currently unable to assist you with your Rewards issue. 
I think this is clearly an unfair business practice and would appreciate it if you can help me get the XXXX  fee refunded.

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 2021-10-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called FedLoan Servicing to ask a question. The computer voice said wait times were longer than 20 minutes and to press 1 in order to receive a callback without losing your place in line. Instead of being offered a callback, the computer system repeated the same message, no matter how many times I selected the 1 option when asked to do so. Finally, FedLoans phone system hung up on me. This is only the latest example of how pitifully bad FedLoan Servicing behaves towards federal student loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: SYNCHRONY FINANCIAL
State: IN
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:
My data was both hacked and my server was changed by remote access 3 years ago. Every sire was hacked and ruined. XXXX, XXXX  and all browsers were hacked. 

Last year, my bank, XXXX XXXX XXXX  in XXXX In, was invaded and a XXXX dollar phone transfer was made. On XX/XX/XXXX, a telephone transfer was made. The bank XXXX, when I told them about it-they said they had my info. However, I was at XXXX XXXX in XXXX recovering from XXXX XXXX on XX/XX/XXXX. I have documents to prove it. My emails, XXXX, business and job sites were hacked. 
6 months ago I made a XXXX payment to Care Credit. I never received another bill. My bank, XXXX XXXX XXXX  at the time, said the payment went through. But not to my account. Someone else was getting it. 
Today I received a letter from Synchrony Bank denying a Pay Pal Account. 
I did NOT DO THIS. 

I also received ed a bill from lawyers that said XXXX card was suing me for XXXX I know my XXXX email is being used and so is everything else I own. Phones as well It began with XXXX router being hacked in XXXX and still is happening

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 2022-03-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My complaint is against Wells Fargo Mortgage Department/Short Sale, Division. 
I am a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and am certified in SHORT SALE. I have been the listing agent for property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX since XX/XX/2020. There have been three qualified buyers for this property but the first two gave up and withdrew their offers while waiting for Wells Fargo to approve the short sale. During that time Wells Fargo has been paying all expenses on this property including taxes and insurance- literally wasting WELLS FARGO stock holder money because they have been unable to get the job done. The attorney representing the homeowners is told WE ARE WORKING ON IT every time inquiry has been made over the past 2 years. These homeowners - an elderly couple- have remained in the unit waiting for this process to be done as they do not want to abandon the property. 
I am well aware that processing a short sale is more lengthy than a traditional sale, but in my experience it has never taken this long and it SHOULD NOT take this long on a relatively inexpensive property where the payoff has now grown to a staggering amount ( penalties, interest and legal fees ) during the two years while the bank has failed to process this short sale.

When a property is ultimately foreclosed upon everyone loses- the community as the property will fall into further distress and devalue surrounding properties, the bank stockholders, and the homeowners who have been trying to do the right thing.

As stated, the amount now due is staggering compared to the amount due two years ago when short sale relief for the first buyer was submitted.. That staggering amount now due is the result of the efforts- or lack thereof- WELLS FARGO SHORTSALE DEPARTMENT.

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