BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: MONEY SOURCE, INC., THE
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX services a mortgage I have on a residential property. I use their auto-pay service, set up using their web site. 

On XX/XX/XXXX, I logged in to adjust the automatic payment amount. The web site told me as part of this process that it was cancelling my existing automatic payment. It was not clear to me whether this meant my XXXX payment was cancelled and I needed to make a new one time payment, so I called customer service. 
XXXX customer service on XX/XX/XXXX told me that yes, my XX/XX/XXXX auto-payment was cancelled and would be automatically refunded to me. They said I needed to make a new one time payment for XXXX, and auto-pay would resume in XXXX. Following their instructions, I made a one time payment. 

On XX/XX/XXXX, I saw that my checking account balance was very low, and that the XX/XX/XXXX auto payment had actually gone through, in addition to my subsequence one time payment. I called customer service to confirm that the first payment would be automatically refunded to me, and they told me that no, it would not be. So, I had been fooled into double-paying. 
After escalation to a manager, they agreed to wire the money back to my account that Friday ( XX/XX/XXXX ). They asked for, and I provided, a PDF of a screenshot of recent transactions from my bank 's web site, showing that the original auto-payment had posted. 

On XX/XX/XXXX, when I did not receive the money, I called again. After escalation to a manager, they told me that their refunding department had rejected my PDF because the page did not say the full name of the bank. They did not inform me of this until I called them on the afternoon of XX/XX/XXXX. I explained to them that my bank 's web site does not show the bank 's name, only their logo, on the page that lists recent transactions. They said there was nothing they could do about that. 

I also called the bank to find out if they could provide me a PDF of recent transactions that shows the bank 's name, but they said all they can give me is what's on the web site, or I could wait for my monthly statement- which will be on XX/XX/XXXX. 

I've tried several more times to get XXXX to refund my money quickly. They are unwilling to take responsibility for the fact that their misinformation fooled me into paying them, and they are unwilling to fix the problem. Even though their own systems clearly must show that they withdrew this payment from my account, and that they have my money, they still insist on receiving a PDF from me to prove what they already know, and they require a PDF they know I can not provide because my bank 's web site doesn't display its name on the transactions page.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Nelnet, Inc.
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 received an e-mail from XXXX, the servicer, on XXXX/XXXX/XXXX. I logged into my account to read the message and observed that the site listed my current payment as past due. I contacted XXXX chat support the same day and inquired as to why my payment did not post on time. I explained that I have been subscribed for automatic debits for well over a year and I have not made any changes to my accounts. 

The representative, XXXX, explained that it was not my fault or their fault. He explained that " Your due date was on the weekend, and payments are only process on business days ( Monday-Friday ). It takes 2-3 full business days to process auto debit payments. Your payment will be effective on XXXX/XXXX/XXXX, and should be visible on your account by XXXX/XXXX/XXXX. No late fees, or negative credit reporting will occur because of this issue. '' I inquired as to whether the company would continue to list this as a past due payment on my account. The representative said " Your payment will appear to be 3 days late, but that will not be reported to your credit, and is a non-issue once the payment is processed. '' Unfortunately, the claim that this is a non-issue is false. Records of my payment history can be required for future financial applications. Potential loan refinance offers may be contingent on perfect on-time payment history. There are other circumstances where it is plausible that this " late payment '' can cause me harm. Yet, the company claims there is no mechanism to reverse the status on my account to reflect their responsibility for this situation. The representative explained that, if I wish to prevent this in the future, I need to end my auto debit plan and make manual payments. 

I contend that, if this company offers an auto debit service through their site, they have a legal responsibility to conduct their debits in a way that does not occasionally but permanently tarnish my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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 status incorrect

Complaint:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Employer XXXXXXXX XXXX  Date Updated : XX/XX/XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the past 2 years I've been receiving numerous phone calls from AWA Collections in regards to a alleged debt of ( original debt ) {$1700.00} ( interest & fees ) {$600.00} ( Total ) {$2300.00}. On XX/XX/2019, I sent AWA Collections a " Affidavit of Debt Validation '' asking for a certified original " wet ink '' signature of an contract between " AWA Collection '' and myself. On XX/XX/2019 I received a response letter without an original contract to substantiate their claim. AWA Collection did submit to me in their response, that they are aware that the debt has been " Charged Off ''. Per the FDCP a collection agency that is continuing to collect a debt that has already been used as a tax loss is considered " Unjust Enrichment '' and is grounds to be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been denied the right to open an account with XXXX  XXXX an investment service owned and operated by Ally Bank. The reason given is because the suffix " XXXX '' does not appear on my social security card. I have produced my bank statement, my driver 's license, my birth certificate and passport all of which contain the suffix " XXXX ''. I was asked to produce my social security card which does not contain the suffix " XXXX '' and was denied the right to complete the account opening process. The process applied against this applicant is arbitrary and capricious as well and a pretext for racial discrimination.

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 2017-11-01
Company: TD BANK US HOLDING COMPANY
State: VA
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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX E-Mail : XXXXXXXXXXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : TD Credit Card XXXX XXXX : Work Item Number : XXXX Ref. No : XXXX XXXX XXXX, XXXX are the following items that I am continuing to dispute for the following reasons : XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX for tickets to the Jazz Festival that were sent to me by mail XXXX month after the event. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX for office supplies that were delivered to the wrong address and left by the XXXX. 
XXXX. XXXX/XXXX/XXXX XXXX Deals XXXX} for a drone that was purchased as a gift for my grandson that was also left at the wrong address. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX this was an order that was placed through my XXXX account that was hacked, we did not place this order. 
XXXX. XXXX/XXXX/XXXX The XXXX XXXX} for XXXX concert tickets that were never used as the concert was an hour and a half late getting started. We left after waiting over an hour and requested a refund of the tickets. 

I have sent his information last month by mail and it was lost or is sitting waiting for a response. I would like for someone to call me at XXXX XXXX XXXX XXXX to acknowledge receipt and to conclude this matter asap. 

Very Truly XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
XXXX XXXX - XXXX added incorrect late payments to my credit report on this closed account. This is a violation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened XX/XX/2017 Amount {$1600.00} Account was not opened by me. Account was opened by family without my knowledge or approval

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Radius Global Solutions LLC
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:
There is a recent medical collection on my account that is not mine. I have never heard of this company and if I did indeed owe it, I have never been notified either by mail or a phone call. Here is their information... they also have no phone number to call RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-03-11
Company: Experian Information Solutions Inc.
State: MI
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:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7200.00}

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 2018-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
X/XX/2018 cabelas XXXX credit card changed the policy that we agreed to pay without a op out option, we never received a notification in the mail, they changed the way they calculate the minimum payment and our payment increased {$100.00} above what we agreed to normally pay in our policy agreement, I talked to the company and they said too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XX/XX/XXXX I was awarded XXXX ( Ill attach the paper ) like many my edd was frauded I won the money n in XXXX when the state tried changing things anyone who made a fraud claim I guess got there charges added while they did identity checks I called XXXX they said I was a real case n my account was valid they said b of a had to put the money back .... after weeks of b of a saying XXXX has to pay u they finally said yes we need to XXXX open ur claim n take them off weeks go by n Im told my case is being worked on then XX/XX/XXXX when I was told XXXX XXXX my money they said they might not re open it.. I already won it I was negative XXXX missed payments of XXXX XXXX XXXX XXXX its finally back positive XXXX Im XXXX in the hole Ive lost my bank account bc had to over draw it my family wont talk to me bc I have to borrow money there killing me.. I need help they give me the run around n this is a claim I already won .. pls help me Im on the streets bc this its not right

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 2019-08-07
Company: Experian Information Solutions Inc.
State: SC
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:
XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Bankruptcy Chapter XXXX-Dismissed : XXXX Bankruptcy Chapter XXXX-Dismissed :  XXXX Bankruptcy Chapter XXXX-Dismissed : XXXX Bankruptcy Chapter XXXX-Dismissed : 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 2022-03-11
Company: EQUIFAX, INC.
State: GA
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 DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ATTACHED INQUIRES. 
PLEASE SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, 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:
XXXX XXXX is reporting a Bankruptcy on my credit file, and the bureaus are claiming that they verified that the bankruptcy is reporting accurately through XXXX XXXX. 

I demand XXXX XXXX provide me with their METHOD OF VERIFICATION for how they verified that the alleged bankruptcy is reporting accurately. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. 

In compliance with the FCRA 15 U.S.C section 1681 et seq, i request that they re-investigate the account they are reporting to verify its accuracy. 

Failure to verify this information within the required timeframe as outlined by the FCRA i ask that they subsequently remove this record from my XXXX XXXX riskview report. 

ACCORDING TO THE BANKRUPTCY COURT WHOM IS THE ORIGINAL CREDITOR THEY DO NOT PROVIDE THIS INFORMATION TO XXXX XXXX BECAUSE XXXX XXXX IS UNABLE TO VERIFY THIS INFORMATION I REQUEST THAT EQUIFAX AND XXXX  DELETE THIS INFORMATION FROM MY CREDIT REPORT AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: MI
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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX currently services my student loans. I am enrolled in the public service loan forgiveness  program and my employment was certified back to XXXX. Twice I have sent letters ( XXXX and XXXX of XXXX ) asking XXXX to review my payments made under this program during the time periods for which they already certified. I sent very clear information to them documenting payments made over the past ten years. The first letter I asked them to certify payments already listed in the XXXX XXXX XXXX XXXX. Unfortunately this database is missing payment information related to over 5 years of payments made under three different loan servicers. I 'm not sure why payments made toon federal loans are missing ( XXXX ) from the database especially since I have always had federal loan servicers such as the XXXX XXXX XXXX XXXX. 

XXXX initially certified 28 payments which were mostly recent payments made after XXXX. Not long after their records changed to indicate that only 26 payments have been approved towards the 120 payments required for PSLF. No reason was given as to why two payments were dropped. I explained in both letters to XXXX  which servicers held my loans and during what years. In my most recent letter of XXXX XXXX I sent bank statements indicating payments that were made for over 50 months during time that they have already certified. This was because the database did n't have any records of payments being made during this time period. 

There has been no response whatsoever since. I have several sent messages on their website asking for why two payments were dropped from their calculations, what months have actually been qualified thus far and the status on the bulk of my payments made since XXXX for which I provided detailed documentation. 

Both my ex wife and I have maintained public service employment for almost 20 years she as a XXXX  and myself with XXXX and XXXX XXXX. Our experiences with the loan servicers has been nothing less than a nightmare for the past ten years. The servicers have no accountability towards the customers when questions are posed or information is sought after. The practice of capitalizing interest is even worse for students. Our original XXXX in student loan debt has turned into XXXX during this time. We 've never been in default and always made our payments except a few times for financial hardship during the great recession. 

We are counting on loan forgiveness and concerned the Department of Education will not follow through on its commitment.. 



In any other financial program this would not be acceptable. 

Please help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
my personal information las taken somehow including my address, my social security number and my license information and opened 2 bank accounts in TD Bank on XX/XX/XXXX of XXXX. 
The account numbers are XXXX with the amount of {$2200.00}. 
Then another account mas open XXXX and {$510.00} mas transfer from the XXXX account. 

I did call the bank already to report it and the accounts have been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank changed their policy to charge overdraft fees when pending transactions overdraw the account and do not allow customers to remedy the overdraft with the instantly availability created by a cash deposit, something every other bank allows. When questioned, customer service retorted that this was requested by customers. When pressed on the issue, customer service cleared out my inbox.

Company response to consumer: Closed with explanation