BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
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:
I recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud. 

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX XXXX  is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.

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 2020-10-29
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Shellpoint Mortgage Servicing reported my XX/XX/2020 payment as 60 days delinquent when the loan was in an approved Forbearance status. See uploaded document from Shellpoint that shows the loan was in Forbearance in XX/XX/2020 and therefore could not be delinquent in accordance with the CARES Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The Credit Bureaus are reporting Erroneous information on my credit file.

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 2018-12-04
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have never received any federal student loan to attend any colleges. I have never received any type of billings or notice from any federal student loan stating that I owe for any federal student loans. 
My income taxes from different years tells a different story as to the moneys that has been taken in regards to student loans for which I had thought for the longest time that my income tax check was all being garnish by the state student loan. 
I've received a letter from XXXX  XXXX XXXX stated that I had federal and state student loan mixed up which was not the case at all .... 
These folks have collected over {$12000.00} for federal student loans for which I've never had. The documents enclosed are proof of my claim. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/ I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major XXXX XXXX XXXX, I am at a lost of how to resolve this issue as this theft has ruin my life.

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 2018-02-28
Company: Metropolitan Title, LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The proceeds of the sale of my deceased mothers home are held in Escrow at Metropolitan Title , LLC [ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ] since the close of the sale on XX/XX/XXXX. At that time I was given a settlement statement. 
Issue # 1 : The estate is still in probate and has not been closed. Because the money in escrow belongs to the estate there are accounting 's that are filed with the Commissioner of  Accounts. Prior to the first accounting which was due on XX/XX/XXXX, XXXX XXXX had been contacted by both myself and the estate attorney on multiple occasions asking for an updated statement with a current balance. Such statement was never produced and the accounting was filed to the Commissioner of Accounts without the necessary paperwork. 
A second accounting is due to the Commissioner of Accounts on XX/XX/XXXX. I have both emailed and spoken with XXXX XXXX XXXX and his staff. He agreed over the phone to send a statement to the Estate Attorney. The contact information to do so was emailed to him immediately after the phone call. Two weeks have passed since, and to date no such document has been received.

Issue # 2 : The proceeds of the sale of the decedents property have been held with Metropolitan Title for a considerable time. There are three joint administrators of the Estate who could not reach an agreement on how to disperse the funds. From my very first phone call with XXXX XXXX back in XX/XX/XXXX he has stated that if the money had not been taken out of Escrow within 1-2 months he would inter-plead the case and it would go to court for a judge to decide. This threat of the case to go before a judge has been reiterated numerous times over the past 18 months with no action taken. On XX/XX/XXXX the estates 3 administrators reached an agreement regarding the release of the funds. XXXX XXXX was immediately notified and by email given names, addresses and phone number of each of the three administrators. Two weeks have passed since this time with no word from Metropolitan Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was informed that a USBank Reliacard was issued to me XX/XX/XXXX, even though I did not request one, nor was I interested in receiving one, but was forced by DC DOES ( unemployment ) to have my payment made on a Debit Card. 

On XX/XX/XXXX I had still not received my Debit Card and I contacted USBank, an agent told me they could expedite me a new card, and we decided it was best I use a different address in DC that has a better record of not losing my mail. I was told it would take up to 5 business days for my address to change in the USBank system. 

On XX/XX/XXXX I called USBank to see if my address had changed, it had, and I requested a replacement card as my initial card was lost in the mail. USBank XXXX and her supervisor XXXX told me that I could only receive a replacement card if I paid a fee of {$5.00} further I was told the only way I could access my funds for a VISA transfer is if I paid {$5.00} for a card with my name on it. I was told this would take another 10-14 days. I asked about the previous agents offer to expedite the card and was told that I must pay for it. 

USBank in essence is telling customers that it the customer 's responsibility to make sure they receive the card and if the card is lost in the mail ( or even not mailed by USBank ) that the customer must pay a fee to receive the new card. 

USBank has been holding onto {$6600.00} of my money for 6 weeks, I have escalated this to their executive office where I received a cut and paste response saying someone would get back to me within 15 calendar days. 

These debit cards are a way for banks to attempt to create additional wealth by charging fees, taking weeks to send the cards and then requiring additional fees to get the cards that may never have been sent.

I waited 4 weeks before reporting the card was lost and still USBank placed the blame on me for not receiving the card. 

Banks should not be allowed to issue Government payment cards if they can not guarantee they will get them to the consumer in a timely manner.

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 2021-01-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My right to privacy has been infringed upon according to 15 USC 1681 ( 4 ) with this unauthorized reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted this company to supply my Medicaid information to have this account rebilled. I have given the insurance information several times to the original creditor to bill. I have contacted my Medicaid representative who states per federal law this debt is not owed and the claim has been processed. I contacted the company to try and resolve off my credit and I was told there is nothing they could do. I am not responsible to pay this debt and it needs to be removed as it is causing me a financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
To whom it may concern,From XX/XX/XXXX toXX/XX/XXXX, the credit card company named XXXX XXXX/XXXX XXXX  reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.

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 2017-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a new account ( Checking/Savings ) consumer with Bank of America based on a promotion that stated we were eligible for a {$300.00} Promotion when using ACH. Other terms applied. We called a BOA center. The account was opened " online '' via the call. We then proceeded to a branch to validate our identity ( we, being Husband/Wife ). I have now called on numerous occasions and have visited the branch twice. We have not received the promotion. We have been told it is due to a missing targeted code on the account. However, when we opened the account this was not discussed and we were assured we would be receiving the bonus offer. The offer is available on their website here : XXXX XXXX XXXXXXXX We have also noticed that there is now another offer here : 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 monetary relief
Consumer complaint received 2019-08-20
Company: SOUTHWEST FUNDING, LP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
After many calls, emails, and text messages, my lending company, Southwest Funding, in XXXX, Texas, is no longer returning my calls to update when we will close. The lending company forgot to order the appraisal until just before anything was sent to underwriting. We have had to get 2 different appraisals because the lending company said the first one was not good enough. We have failed to get a response about our earnest money, if the seller decides to back out. This has been going on for two months, and the seller has chosen to walk away from the deal if we dont close in the next 72 hours. We were told that our file was perfect and ready to be approved once the final appraisal was submitted. It has been 8 days since then and we have heard nothing. Our lender has urged us to spend money out of our comfort zone with little explanation as to what it is for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received an unsolicited prepaid debit VISA Reliacard in the mail XX/XX/XXXX from US Bank. I did NOT activate the card. I tried calling US Bank to cancel the card but havent been able to reach an agent. The card has my name ( without middle initial ) and was mailed to my current address. 
Searching online revealed that there is fraudulent activity going on with these Reliacards that are being used for unemployment payments in Colorado. I dont and never have lived in Colorado. The only time I was on unemployment was in XXXX. 
I received an early retirement package from a large company in XXXX and now I am a XXXX  XXXX  XXXX. I recently worked for the XXXX XXXX XXXX but no longer work there. 
There was fraud on two of my XXXX  account debit cards in the past year. Both cards were issued to my husband and were activated but never used. Both were cancelled after working with the bank ( not US Bank ) to clear the fraudulent charges.

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 2019-02-19
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Penn Credit Corp attempted to collect a debt that has been paid in full with the City of XXXX XXXX. The amount that Penn Credit has placed on my credit report is incorrect and also paid in full. They claimed that this account was opened on XX/XX/2016 for the original debtor City of XXXX XXXX, GA. 

I have disputed this with the company as well as the credit bureau and they claim I owe this to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The modification makes the amount due more than the value of my home. If I died ( I 'm XXXX ), and the home was sold tomorrow my estate would be liable for the balance on the loan ( XXXX ) and the balloon payment of XXXX, XXXX. At the time I fell behind I had about 25,000 in equity principal balance was around 57,000, in the new modification, I would be underwater.

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 2018-02-28
Company: First Credit Services Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have today sent a letter of dispute. I received a call from 1st Credit Services claiming that i owed XXXX XXXX XXXX {$30.00}. In fact, i have never been a member of XXXX XXXX XXXX nor have i ever attended XXXX XXXX XXXX. 

The agent explained that XXXX XXXX had acquired XXXX XXXX XXXX of which i was a member and that therefore XXXX XXXX had taken an assignment of all memberships. I was never notified of this, nor did i sign an authorization for XXXX XXXX to debit my bank or credit card account. It is a simple matter for XXXX XXXX to obtain updated information and authorization since they clearly had my phone number - they provided it to collections. Failing to get updated information and permission, they would have known to cancel the membership ... in which case there would be no debt. Instead they decided to bluff their way to collect money to which they are not owed. In short they conceived a " scam '' to squeeze a few more dollars out of former XXXX XXXX XXXX members by using an outside collection agency ... rather than calling themselves. They released my personal information and most likely have tried to damage me by reporting this debt to a credit bureau ( another form of intimidation ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The Credit Bureaus are reporting Erroneous information on my credit file.

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 2020-10-29
Company: AES/PHEAA
State: NY
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:
I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. At the end of the Fall semester in XXXX, I spoke to a counselor, about discontinuing my enrollment, because my grandmother and mother were having serious issues with their house, that was in the flood zone of XXXX. I was told by the school that I could register for the semester, and if I had to withdraw because of XXXX that my costs would be covered, and my transcript would reflect the mitigating circumstances. Well, I was forced to withdraw, and move back to XXXX XXXX to help with clean up and to rebuild, and now the VA says I owe the money for withdrawing. Also, there is no mention of mitigating circumstances anywhere on my transcript. I attempted to go to the school, but the building was empty, and when I tried to contact the school, I found out that they had changed locations, and none of the same people were still there, and I was told that there was no record of them having talked to me about mitigating circumstances. I was also told that the school would soon be closing for good. When I was told that I could withdraw without penalty, the counselor also told me that my Post XX/XX/XXXX GI Bill wouldn't cover another semester after the Winter of XXXX, leading me to believe that I could not graduate anyway, which strongly affected my decision to withdraw. 

I have since found out that I had enough left of the GI Bill to cover another semester, but I can not find ANY schools that will take any of my XXXX credits as transfer credits. When I apply for jobs, I am laughed at when they get to the XXXX part of my resume. I have been told by several former classmates that they are also having the same problems, and we all remember being promised that all of our credits would transfer to any other accredited school, and how XXXX students were among the elite, and super successful, like XXXX XXXX. I feel like I have been lied to, manipulated, and taken advantage of, and feel like I have no recourse. I feel like my time at XXXX was a waste of time and money that I will be paying for, for decades, and now that the school is closing, I will never even get a degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received a letter stating that I owe XXXX to a credit card company. They are seeking legal assistance. The letter was dated on XXXX of XXXX, and I received it on the XXXX of XXXX.

Company response to consumer: Closed with explanation