BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a home loan in XX/XX/XXXX with XXXX XXXX. They filed BK as XXXX in XX/XX/XXXX.On or about XXXX XXXX, XXXX, a person named XXXX XXXX is allegedly claiming to be employed as an Assistant Vice President by XXXX XXXX XXXX , XXXX , as attorney in fact and servicer for XXXX XXXX XXXX , XXXX, as a Trustee for XXXX XXXX XXXX XXXX, but has not provided an employment contract nor a servicing agreement to substantiate these claims. 

I would like for Caliber Home Loans and XXXX XXXX to prove that she is in fact employed as an Assistant Vice President by Caliber Home Loans, Inc., as attorney in fact and servicer for XXXX XXXX XXXX, XXXX, as a Trustee for XXXX XXXX XXXX XXXX, and specifically that she has the credentials to act as an Attorney in fact for this group of companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient sold my loan to Aidvantage. They never gave me an option to negotiate. Aidvantage then immediately capitalized ALL interest. I had never been made aware of this EVER and I asked many many many times if deferred interest would be added to the principal and Navient/Aidvantage always, ALWAYS said no. 

I was never told how this would happen. Now, they added interest to my loans as capitalized principal totalling over 45 % of my loan. I offered to make ump sum payments and they simple send the same message over and over - no. I will take this up with other regulatory bodies including State AG and other private pursuits. 

I tweeted this to XXXX head XXXX. Aidvantage said in a recent interview they serviced all CFPB and XXXX complaints. They haven't. This is a lie and I will no longer be taken aidvantage of by predatory loan issuers. The fines against Aidvantage say it all. 

XXXXCFPB NEEDS TO TRULY HELP AND FOLLOWUP ON THIS BECAUSE THIS TYPE OF PREDATORY NEGATIVE AMORTIZIATION AND DEFERRED INTEREST CAPITALIZATION SHOULD BE ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: NJ
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:
there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section XXXX within 30 days. This was n't done and section XXXX states that the accounts can not report without this. These accounts must be deleted. 

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section XXXX so why are they still on my credit report?! 

Here are a few examples : Experian is reporting different open dates than the other XXXX bureaus XXXX  is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all XXXX bureaus XXXX and XXXX is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.

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 2017-10-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charge XXXX for and a purchase from XXXX i did not authorize and someone stole my card and did this transaction on my TD Bank checking account please help me resolve this issue my money was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
We are a finance company and a customer wanted us to pay off his loan to XXXX XXXX title loan ), which we did. The customer sent us a letter from XXXX dated XXXX/XXXX/XXXX, stating that the payoff amount for the loan was {$960.00}, if received no later than XXXX/XXXX/XXXX. We sent the payoff check to XXXX on XXXX/XXXX/XXXX and check was cashed XXXX/XXXX/XXXX. 
As of today, XXXX XXXX, XXXX, we have not received the title for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is asking me to pay them XXXX reference # XXXX and cant explain what for. They sent me 2 papers with no especifications saying that i have to pay this absurd amount. I had stay with them 1 night and rent 2 rooms. Now, they say i am in debt. Which is not truth. Everything i paid ( both rooms ) thru XXXX XXXX XXXX. And they say i shouldnt be in debt with XXXX. Also, there was not damage to either of the rooms after we left. Now I feel victime of this Scam and need help. Could find that this corporation is sending notificarions ro customwrs like me, and thru this scary tactic mading millions of dollars in revenue. 
I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX Southern Credit Recovery Inc. reported to XXXX, XXXX  and XXXX I had one account in collections for {$100.00} dollars, I have no knowledge of said account and I do not owe Southern Credit Recovery Inc anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Southern Credit Recovery Inc or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Southern Credit Recovery Inc are a clear violation of the Fair Debt Collections Act.
I am requesting that Southern Credit Recovery Inc remove this collection account from each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: DISCOVER BANK
State: FL
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:
Trying to reach discover credit card services showing i was denied credit due to delinquent accounts not the case no delinquent accounts on any of my credit files all 3 .very upsetting to receive mis information saying for denial of credit.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Complaint about Apple Goldman Sachs credit card deceptive billing practices. There are no options to receive paper statements. Not all customers are computer savvy or able to decipher Apple 's confusing online statement. There is a card balance payment due once a month. There is a separate screen which is difficult to find containing an " installment balance '' with the total balance due. The minimum payment gets transferred to the " card balance '' each month, then showing a balance of " zero '' after the minimum is paid. This is incredibly confusing not allowing to view a total balance due to be visible unless you know the exact place to click. It was so confusing that I had to call to find out if there was minimum payment due, and what the balance was left. The payment was made on time every single month. Emails are not always seen, and upon calling for help, I was told I had no balance due, that there was no payment due, and that they could not see a problem or late payment anywhere. They still reported XXXX as 30 days late! I had to call for a supervisor who spent at least 30 minutes attempting to explain how this happened. She apologized up and down and told me to try filing a dispute again as it did seem very confusing. They still have not removed the late payment and their XXXX  deceptive billing procedures are the cause of this mistake. They are hurting consumers who are older or may not be able to understand their deceptive billing display. I am considering retaining counsel as this mistake should not cost me for 7 years. Credit should not be affected because someone is older and a company does not give an option to receive paper statements. Not even an option available to pay for a statement to be mailed out. After much research, come to find out that Apple offered a deferments to their customers due to COVID but I never heard a thing about it. My husband lost work for 12 months and not only did they give me incorrect answers, but failed to inform me about help that may have avoided this in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
When Wells Fargo noticed we went to branch monthly to pay mortgage, persuaded us to open a savings/checking accounts with Wells Fargo for no charge and ease of payment. After we setup monthly automatic mortgage payment, there is no activity in our accounts. Monthly fee started to be assessed ( because our savings account balance have been bellow {$2500.00} XXXX. Because of no paper statements from the bank, even though each month we got a email reminding statement is ready, we never logged on to check. 

This has been going on for more than a year, without warning or call from Wells Fargo until this XXXX when we accidently noticed the only activity of the accounts has been the fees for more than a year.

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 2017-10-29
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over the last 14 months I have asked for Validation of a medical bill Just to be told it meets FCRA.
I have tried to show that the accounts are dulicated by two Collection company 's. If the Reporting agencies remove one Collection it will sale the account to the next Collection company and at other times both Collectors will report the same account with different Reporting Agencies at the same time.
I need these accounts removed or properly validated and only one company to report it and not duplicate it. 
CommonWealth financial Systems XXXX Reporting Agency. {$880.00} Dulicated. 
XXXX XXXX XXXX. XXXX XXXX XXXX. For {$880.00}. 
Creditor is XXXX XXXX in all wrong reports. 
Thank you in advance for your help. 

Very thankful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Equifax informing them of improper collection account on my account. This was for a visit to Urgent care center. My insurance submitted payment as well me for my co pay however Equifax has not removed the account after I provided payment documentation along with my dispute request. I'm confident they didnt even review it because it came back the next day saying verified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I applied to PayPal Here Service provided by PayPal.com and I was denied. It is a credit card processing service. I called to inquire as why I was denied from using the service. 

The company stated that they could not provide the reason due to proprietary methods. I believe that credit decision or financial application system needs some oversight. If there is no transparent criteria then the company should not be offering the service or denying service. 

The basis of the denial may be bias or an illegal reason. 

Complaint about paypal.com From XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, INC.
State: NJ
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:
Filled out a dispute with equifax for almost all the accounts on my credit report. I had my social security card and license stolen some years ago and the people stole my identity and I was a victim of fraud. I tried to tell XXXX that these accounts were not mine but they lowered my credit score even more bc these were not paid. I demand that these be taken off my report or I will have no choice but to file a complaint in court against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
forbearance extension documentation submitted to SPS mortgage servicer. 

Social Security documentation REJECTED because bank statement and SS award letter was {$9.00} /month more that award letter stated. 

XXXX award letter REJECTED because award letter showed expiration date of XX/XX/XXXX XXXX even thought bank records showed current XXXX payments. 

SPS sent me a Notice of intent to foreclose during forbearance evaluation which was delay do to these irrelevant inaccuracies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: ALLY FINANCIAL INC.
State: MN
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:
I have several credit inquires i did not authorize creditors will not remove when asked

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 2017-10-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or about XXXX XXXX, XXXX, after learning about the Equifax data breach, I followed the instructions provided by the company and visited XXXX. On that page I provided my ssn and it was confirmed that I was affected b the breach. I signed up for the free credit monitoring offered. The process could not be completed at the time ( Equifax issue ), so after XXXX-3 days I went back and completed the steps. On XXXX XXXX, XXXX I received an email from " Trusted ID Customer Service '' [ XXXXXXXXXXXX ] which read : " Dear XXXX XXXX, We recognize you may not have received your activation email for TrustedID XXXX. We apologize for the delay and assure you we are working diligently to send your activation email as quickly as possible. '' As of XXXX XXXX, XXXX I had not received the activation email. That same day, I went back to XXXX and called the customer service number listed there. 
After talking to three different people, I was told that I had to sign up again at XXXX. I think it is deceptive for Equifax to represent that they are offering this service if they dont intend to. And their negligence continues to expose my personal information to identity theft. Equifax is not taking this matter seriously. Equifax should not need anybody to sign up for this since they already know whose data was hacked and they also have people 's personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All 3 of my credit reports have been exposed and breached and the federal and private loan officerso like XXXX XXXX is reporting inaccurate information on my report showing delinquent when I have not graduate from school just yet. This is causing issues for my lively hood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: NV
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:
There is a creditor that I don't recognize, and address I have never lived at, and inquiries I have never authorized. Please remove them 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 2021-05-12
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NV
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:
There is a creditor that I don't recognize, and address I have never lived at, and inquiries I have never authorized. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase online for 2 bottles of facial cream from a company called XXXX sometime at the end of XXXX XXXX which clearly stated it costed {$12.00}. After using the phone system for Georgia 's child support XXXX on XXXX i noticed XXXX unauthorized charges. It took this long to catch the charges as this company does not provide any kind of statements and i have been locked out of their online system without any assistance to get back on. I immediately called to start a fraud claim the same day. I was given an XXXX # for the company XXXX XXXX XXXX who i called immediately on XXXX as well. After asking them to cancel my account XXXX cancellation # XXXX ) and to stop their fraudulent charges they stated in order to be reimbursed i would have to call back with the bank. After filling out the paperwork XXXX sent and waiting i received a notice on XXXX from XXXX that they could not find where an error occurred. 
I was told when i reported the fraud to XXXX that there was probably something in fine print about subscribing to something. Whether that 's the case or not, that 's the definition of fraud. Deceiving to gain monetarily. As i stated to XXXX, i did not receive any products, services, or emails from the fraudulent company ( XXXX ) besides the initial purchase for 2 bottles of facial cream that clearly stated {$12.00}. I could not even find a website for the company online.

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