BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Specialized Loan Servicing has been horrible to deal with and they are a collection agent company Now after trouble with them in paying off the mortgage in a short period of time they are now refusing to report to the credit companies that it is paid in full and they are saying they do not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transfer to Specialized Loan Servicing LLC. the reporting of credit much later than paid keeps my credit score lower than it should be and in my opinion is not fair or correct at all and I would think it is illegal to do so. I will send copies proving it is paid and their refusal to report. 
It is said when a collection company doesn't abide to the law and treat their customers with so much disrespect and little concern to what is right or wrong they just do what they want and don't even care at all.. In closing I will send the papers they sent me about the mortgage being paid and when they will tell the credit companies it is paid 3 months later than it is paid in full which is wrong. Bow we still don't have conformation ob the deed and tittle who knows when that will be they said 60 days but their word isn't worthy of honor or truth.

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 2018-08-19
Company: National Collection Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled in the XXXX XXXX Program at the University of XXXX XXXX XXXX for the Spring XX/XX/XXXX semester and Summer XX/XX/XXXX semester. For each quarter, I enrolled in one class. The tuition and fees for the Spring XX/XX/XXXX semester totaled {$5100.00}. The tuition and fees for the SummerXX/XX/XXXX semester totaled {$5000.00}.

I received a partial scholarship of {$1500.00} for each semester. Consequently, the outstanding net balance for both semesters was {$7100.00} ( {$10000.00} tuition less {$3000.00} scholarship awards ). 

As of XX/XX/XXXX, I paid {$3600.00} toward that balance, for a remaining balance of {$3400.00}. Because I was delinquent in paying that balance, I entered into a payment plan with the University. As of XX/XX/XXXX, the date of my last installment payment, I had paid an additional {$1500.00}, leaving a net outstanding balance of {$1900.00}. 

I then noticed that the University had been adding fees and late fees equal to {$600.00} to my balance for the Fall XX/XX/XXXX and Winter XX/XX/XXXX semesters -- semesters for which I was not enrolled. Additionally, it had allocated {$300.00} in payments I had previously made to these fees and late fees. 

The University subsequently assigned my account to a collection agency called National Credit Management, or NCM. On XX/XX/XXXX, I received a collection notice from NCM. The notice demanded payment of what it called a past due balance of {$2800.00}. The notice provided that I was entitled to dispute the debt by registering with a website operated by NCM. I did so on XX/XX/XXXX, via email to an individual named XXXX XXXX. 

In that email, I disputed both the amount demanded by NCM, as well as the actual net amount I owed to the University. In this respect, I disputed the {$300.00} in fees that the University had already allocated from my payments to semesters for which I was not enrolled, as well as late fees totaling {$300.00} that it had assessed with respect to those semesters. 

Accordingly, I informed NCM that I wished to resolve the debt, but only in the amount of {$1300.00}, which reflected the actual outstanding balance on tuition and fees attributable to semesters that I attended the University less the {$300.00} in fees I already paid and {$300.00} in late fees assessed for semesters I did not attend the University. I also informed NCM that I wished to pay the actual debt and bring the matter to resolution. 

I also informed NCM that it no event should it allocate any payments I make to it for any fees attributable to any past, present or future semesters for which I did not attend the University. 

I am eager to pay the actual debt and resolve this matter. However, I refuse to pay any improper fees. I have attached documentation evidencing the information above. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: ReliaMax Holding Company
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account. I had identity theft. Someone got this loan in my name. Was reported late. Remove from all credit bureaus.

Here 's the police report number XXXX XXXX City Police

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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 been a victim of identity theft. I have reviewed my credit report and there are fraudulent accounts on 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 explanation
Consumer complaint received 2018-02-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX Has been reporting a late payment on my XXXX and Experian credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.

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 2017-12-23
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: Public record information inaccurate

Complaint:
I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have provided a copy of the wire transfer showing that SLS rejected the payment. SLS did not inform me of the rejection of wire tranfer. Account number has been verified as correct there was no reason for SLS to reject the payment. SLS does not have record of rejecting payment but the Free pay wire transfer provided a copy of the rejection from SLS stating wrong account or account closed. The account number is correct.

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 2018-06-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
JP Morgan chase bank holds the proceeds from a flood policy payment as a result of hurricane Harvey. For 4 weeks, I have tried to get money disbursed. Rather than disburse the funds in accordance with their own policy, chase continues to demand additional information ( much of which does not exist or is not required ) as a way to delay paying these funds. I have asked to speak to someone who can review the file, approve payment, and issue the check within XXXX business days. Chase refuses to put me in contact with such a person, and insists that it can't be done. Then, they demand more documentation further delaying the process, while telling me there is no way to move the process forward. For example, after being told payment would be issued by XX/XX/XXXX, I was told several times it was being processed before being told on XX/XX/XXXX that it had been cancelled. Chase then demanded a signed contract ( which does not exist ). I submitted an invoice from the contractor. Chase insisted it had to be signed. I complied with that request and asked to speak with someone who could review it, approve it, and issue the check. Chase refused, and then called the contractor and demanded a copy of his license. GC 's are not licensed in Texas, so chase then asked for the license numbers of any subcontractors. He provided that, and chase responded by demanding a copy of the license, a publicly available document from the state of Texas website. Even though this process has been going on for 4 weeks, and chase has had all information it requested for 4 days, it refuses to place me in contact with someone who can approve the disbursement. My expectation is that chase will demand additional information to continue delaying payment since they refuse to put me in contact with a person who has the authority to approve payment. Feel free to contact XXXX XXXX at chase bank in Georgia, XXXX. She candidly admits she can't resolve my problem, but refuses to transfer me to someone who can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Google Compare Credit Cards Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Well, I was scammed by some one pretend to be a loan company

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 2018-06-22
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have resolved this dispute previously and and the collection was removed from my report due to being invalid. I never received notification of this debt, nor agreed to this charge, and this was case was previously resolved anyway! Now it has simply been sold to another collector and XXXX  has not verified nor forwarded any proof of debt either from the original creditor nor the collection company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payments on an item/account that I had taken care of years ago and paid it off completely. I've called Toyota Financial Several times and spoke to dozens of representatives where I was told that they will submit a change to my credit report to reflect paid as agreed, never late. I am not sure how this happened, but I made my monthly payment as required by the contract, but I believe the dealership added extra products that subsequently changed the terms and contract without my knowledge. I clearly remembered dealing with your toyota dealership to removed the extras that was added. It was then removed, and i'm not responsible for the extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a capital one secured Master Card credit card account in XX/XX/2018 to reestablish my credit. I put up a {$420.00} deposit, and got a {$570.00} credit line. The agreement with the credit card company is after a time the consumers deposit would be returned in the form of a statement credit, if the account was in good standing. MIne has been in good standing for 6 months, never missed a payment and the credit card company just issued a {$300.00} additional credit line, making the total credit line of {$870.00}. I called today ( 5 times ), to speak with different represenative ( s ), to ask about " when will my account be eligible for it to be unsecured so as to get my deposit back in the form of a statement credit '', but no one would give me an answer. Below is a copy of the secure card deposit refund information on Capital One Secured Card Website ; Why Does Capital One Require A Security Deposit? 
" The security deposit is used as collateral against your credit line. The security deposit is refundable if you close your account and pay your balance in full. If your account is deemed eligible for unsecuring, we will return your security deposit to you as a statement credit ''. 

I ask the representatives if my credit card account was in good standing they all said " YES '' but would not give me a reasonable explanation as to when my account would be eligible to be a unsecured account so as to get my deposit back as stated above? Non of them had an answer and they were rude to say the least, three of which hung up on me. If my account is in good standing, then it should be eligible to be deemed unsecured, since the payment shave been made on time. 

Also, I ask if my deposit was in a interest bearing account and if the return/ or statement credit would include the interest accumulated, the representatives would not give me an answer, they were rude and indifferent..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX of this year ( 2018 ), I was at Home Depot and I made a purchase and they offered me a {$50.00} discount if I applied for their credit card, so I did because that was a substantial discount. But to my surprise, it was declined, they said they would send me the reason in writing. 
In the mail ( XX/XX/XXXX ), I received a notification from Home Depot telling me that it was Citi business that notified them not to do business with me. ( copy of the letter is attached ) A year prior Citi cancelled my Visa account and they refuse to give me a reason for their action, all they wrote was that they have the right to do so, with or without cause.

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 2018-08-19
Company: EQUIFAX, INC.
State: MA
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:
I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called XXXX and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: AES/PHEAA
State: CA
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 requested a review of my Public Service Loan Forgiveness qualifying payments in XX/XX/XXXX. XXXX has repeatedly told me they are unable to provide a date by when the review will be completed. Today I asked why 37 of 99 payments are not being credited as qualifying to my loan forgiveness. XXXX says my previous loan servicing companies stated they are not qualifying payments due to the payment not being " fully satisfied ''. XXXX maintains they are unable to provide a timely review and response because these payments were made under two previous loan servicers : 1. XXXX XXXX XXXX XXXX and 2. XXXX. I am unable to verify the information on my own other than downloading my payment history and last 3 monthly statements from XXXX. The XXXX XXXX XXXX XXXX is not operating any longer and I have no way of obtaining any documentation of payments made prior to XX/XX/XXXX. I graduated in XX/XX/XXXX and entered repayment in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Stenger & Stenger, P.C
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Law Firm regarding a letter sent of an unrecognized debt with no information regarding supposed debt. Therefore, I promptly responded in writing a notification requesting verification and validation of unrecognized debt. Received no verification or validation of unrecognized debt. I never received any notification from debt collector. Law firm did not provide verification or validation of supposed debt and now threatening lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
BLOOMINGDALES DEPARTMENT Has been reporting a late payment on my XXXX and XXXX credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.

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 2020-05-11
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:
CONTACTED CREDIT REPORTING AGENCY VIA USPS CERTIFIED MAIL ON XX/XX/20 ABOUT INCORRECT INFORMATION ON MY CREDIT REPORT. AND CREDIT REPORTING AGENCY DID NOT REMOVE OR MAKE NECESSARY CORRECTION.

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 2018-02-25
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/XXXX, XXXX erroneously placed my account into collections with XXXX. My balance with XXXX was paid at this time. I didnt understand when received call from XXXX and paid them XXXX . Then realized that I did not need to. By XX/XX/XXXX, XXXX had corrected the issue, sent me a refund check and state my balance is XXXX . Yet, XXXX continues to send me bill after bill and when I call them they dispute that the debt is paid. XXXX is aware of this issue, yet nothing is being resolved. 
Can you please help? 
Thank You 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 2018-08-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  , XXXX XXXX  XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts.

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