BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am in received some letters from XXXX XXXX  XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX****, XXXX  # XXXX****, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between FFCC and myself, XXXX A XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

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 2022-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I recently joint XXXX for our local school and I received email from unknown sender XXXX ( I was accessing my XXXX gmail through my phone and I couldn't see the actual email address ), named as our XXXX president, demanding payment to a vendor, which I would be reimbursed later. I transferred {$1300.00} on XX/XX/XXXX and another {$2000.00} on XX/XX/XXXX through XXXX pay, before I realized it was a phishing email and the whole thing was a scam. 
I called Chase today XX/XX/XXXX @ XXXX. Chase 's answer is that they can't recover my money that has been transferred. The only thing they could do was to put a alert on this fraudulent XXXX account and hopefully prevent others being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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:
I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX  : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - XXXX Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My complaint number XXXX was closed without giving me an opportunity to dispute Wells Fargo 's incorrect claim that my loan was not paid off until XX/XX/XXXX. Attached please find receipts that prove this claim to be false. Wells Fargo withdrew funds from my XXXX Account on XX/XX/XXXX despite the fact that this loan was paid in full on XX/XX/XXXX. The poor communication and patronizing attitude from Wells Fargo -- not to mention their delay in refunding my money -- is unprofessional and unfair to consumers.

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 2020-05-12
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) I believe that my mortgage account with SLS is being mishandled and miscalculated. 
a XXXX My mortgage was with XXXX XXXX and my payments were {$490.00}. XXXX XXXX assigned my mortgage to SLS a few years ago ( maybe XXXX ago ). On the second year they raised the amount {$160.00}. They claim they miscalculated my property taxes. I understand that this could happen, but I believe their amounts are incorrect. 

b XXXX XXXX weeks ago I called them to let them know that I purchased cheaper home- owners insurance ( as a heads up ). And, two payments later my payment amount has NOT changed. 

c ) I have a XXXX {$30000.00} balloon. XXXX XXXX explained that the amount will not change or collect interest. But, after speaking to SLS rep that amount has changed. 
2 ) I am exhausted and unsatisfied with the whole process.

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 2020-05-14
Company: Northstar Location Services, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting daily calls from Northstar Location Services regarding a debt. The calls ask me to call XXXX. When I call this number and give them the phone number that they are calling, they claim to not have any records of ever calling me, yet I keep getting daily phone calls from them. 

The caller ID on the recorded calls shows the calls coming from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
while reveiwing my credit report i found a debt that i have no knowledge of i have tried numerous time to contact them but no answer i dont know who this company is nor have i ever signed a contract with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan servicer is AES and XXXX. This debt has caused many problems for me and my family. My father cosigned for me on the loan, because I was young at the time. My father did not speak English, and still to this day does not speak English, does not comprehend, nor can read or write English. I was XXXX at the time this loan was signed. We both did not understand the terms of this loan. I had just graduated high school. Only been living in United States for six years. Neither of us understand the term of the loan. At the time we were in the understanding that we would pay back the amount borrowed after I graduated from college.
However when I graduated college, I noticed the amount of the loan has almost doubled. We owe more now than when we borrowed the loan. We borrowed {$29000.00}, we have paid back {$24000.00} and now looking at the balance of the loan, we still owe you {$33000.00}. I was making payments during my college years as well as after gratuating.
This contract is invalid due to The Deceptive Trade Practices Act ( DTPA ), because my father and I did not understand what we signed at the time of the contract, and I believe the worker was aware of the communication problems, but did not properly address it, or try to make us aware of what we were getting ourselves into.
Everytime I try to contact the loan servicers I get the run around, with out a real answer of how come I owe more than I borrowed after paying so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: TX
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:
XX/XX/XXXX received a voicemail from a person named XXXX stating I was on his schedule to be served at my job. My husband received the exact voicemail on his phone. XX/XX/XXXX my employer received a call from the same man stating the same thing. He left a number to call and a case number. I call and talked to someone in loss litigation and was told it was a collection of a debt by Chase dates XX/XX/XXXX with the last payment on XX/XX/XXXX. I have researched and the statue of limitations to sue has expired. It is a time barred debt. They man I talked to said I would be served at my work place in 5 to 7 business days I asked to be served at my home. But according to my research their time has passed to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Navient is the second company that claims I owe XXXX  ( student loan ). The first company called XXXX, I paid for 5 years. I kept all reciepts to find out the company was pocketing my money. I entered a class action lawsuit after I won the company Navient appeared asking for debt that I paid. I do not owe any money and i would like to dispute such in court. I never got a chance to dispute now Navient is harrasing me at work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My complaint stems from Bank of Americas refusal to reimburse me for stolen funds that occurred through Bank of Americas banking services. On XX/XX/2020, a check I wrote for {$3900.00} was altered and cashed at Bank of America ( Attachment A ). As you can see, the payees name was covered up and written over with a new payees name. Part of the payee line was also erased, with what appears to be correction tape or fluid. The alteration could not be more obvious, and even the thiefs handwriting does not match my own. 

In conducting its investigation, XXXX XXXX, the bank that issued the check from my checking account, found that Bank of America was the bank of first deposit for the stolen check. Thus, they filed a claim with you to recover my funds. However, the claim was denied by you ( Attachment B ). 

What is most troubling is that your Deposit Agreement and Disclosures states that customers should notify Bank of America within 60 days of any account irregularities or fraud ( Attachment C ). I contacted XXXX XXXX about my stolen check on XX/XX/2020 on a recorded telephone line well within the 60 days that your deposit agreement stipulates. And then XXXX XXXX contacted you with the details of my claim. Therefore, there was no reason to deny my claim. 

Again, the stolen check was cashed on XX/XX/2020 and I contacted the issuing bank for the check, XXXX XXXX, on XX/XX/2020 well within the 60-day reporting period. 

Furthermore, and what I have found equally disturbing throughout this process, is that you are failing in your fiduciary duty to me as I am also a Bank of America customer. Even though the stolen check was from my account at XXXX XXXX, I am also a Bank of America customer. I have had a checking account with you for at least 15 years ( account # XXXXXXXXXX ), I have an XXXX  XXXX credit card issued by Bank of America, and I have paid off a second mortgage that I once held with Bank of America. 

For your information, the claim number for my case is # XXXXXXXXXX XXXX. XXXX XXXX officials said you should be able to locate my claim through your fraud or investigations department. 

I am filing a complaint through regulatory agencies because your Customer Care team could not help me. They said it was because the claim was not directly related to an existing Bank of America account.

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 2020-05-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX. 
Company Inquiries 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 2020-05-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I called BMO on XX/XX/XXXX to request a mortgage payoff amount. BMO told me on the phone the payoff letter would arrive in a couple of weeks and for me not to pay my monthly mortgage as it would change the final amount. I waited for the letter but it never came. On XX/XX/XXXX, I requested a refinance from my bank for an auto loan as I needed a score of 750 or higher to qualify for the low rate, however BMO reported that I missed my XXXX payment and my score dropped nearly 100 points and I was denied for the loan. I wired the payment in the BMO that very day. I called BMO on XX/XX/XXXX to submit a dispute on the matter. They verified my email address and mailing address at that time. I have called BMO three times over the past few months to request a status of the dispute. Each time they told me someone would call me back but I never received a call. I called BMO again on XX/XX/XXXX to request another mortgage payoff letter. I again waited and NEVER received the letter in the two weeks they told me it would take to arrive. Covid came and I decided not to pay off the mortgage and would continue making payments in case I needed the extra money for emergency use. I have paid BMO two additional monthly payments this month proving I have the funds to pay them. Today I talked with a BMO representative and stayed on the line until they sent the letter to my proper email address. After I finally received the denied dispute, BMO simply says in the letter " The XX/XX/XXXX bill was not satisfied until XX/XX/XXXX. The late mark is valid ''. My aim is to get the late payment mark removed to restore my good credit rating. I feel I have done nothing wrong and BMO has denied my dispute without proof.

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 2017-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Did n't work for a week now I ca n't borrow from XXXX XXXX until my bank sends some information to the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Experian Information Solutions 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:
Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.

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 2019-08-28
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was notified of the lingering debt for XXXX dollars after trying to receive help 4 months on end from Speedy Cash. Since then my English has gotten better but at the time hardly understood the directions and making the payment and why the payment continue to adjust an order for me barely not to be able to afford it why they stepped on unbelievable he's on top of each other. Several times I my vet reached out for help hanging directions on how to properly play an explanation of the fees. I never once got any sort of bilingual assistance. The den tone is significantly different from the amount borrowed and they have yet to furnish proof for that amount. From what I read in the library this violates the Fair Credit Reporting Act and Fair Credit Lending Act since this would be considered a fraudulent loan through to the violations of the bank Promises of everything fine. I had no problem selling me alone in XXXX but servicing alone and making sure I was okay it was a different story. The account should be eliminated from my credit because of the Fair Credit lending violations so that my family and I can live the American dream. From what I have read this Shady collection agency attempts to collect more than 900 over the original debt and we'll practice any short of abuse in order to get me to pay what I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to recast for four months and they keep making it impossible to accomplish it. I really think they are dragging their feet and  making it difficult because they want my $ XXXX/month interest.

They made me jump through all these hoops and then did it incorrectly. I called to try to get clarification on how to proceed and they emailed me back about a completely separate issue. 
Also, I got my homestead filed in XXXX and they still have not adjusted my escrow. Again, they keep more of my money longer by not doing what they're supposed to.

Every time I call it ends with no resolution. Wait times are usually upwards of 30 minutes.

Even supervisors are unable to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: EdFinancial Services
State: TX
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'm XXXX years old and have XXXX for the third time. I have paid on my school loans for over 25 years. Borrowed a total of {$26000.00} from the government-Texas Guaranteed Student Loan Corporation/now- FFEL loans and at this time still owe over {$83000.00}? I was a XXXX XXXXXXXX for nearly 21 years ( 20 1/2 years ) and was hoping to obtain Public Service Loan Forgiveness ( PSLF ). However, Ed Financial ( my servicer ) is telling me that my loans are not eligible for PSLF due to the type of loans I have ( FFEL ). I retired in XXXX and was told I consolidated my loans back in XXXX. When I originally went back to college in XXXX, they did not have Direct Loans. I am currently working full-time for a private company, XXXX, as a XXXX XXXXXXXX dealing with XXXX XXXX. I was not even informed that I could not retire to obtain PSLF, and had to be still working as a public servant. I'm very frustrated due to the fact I am trying to obtain a USDA home loan and would only qualify for {$140000.00}? due to my student loans. I have excellent credit score. Then I spoke with a company ( not sure of the name ) to reconsolidate my loans for PSLF ; however, would have to pay another 25 years on them ... REALLY! To pay on my student loans for 50 years??? I will probably not even live that much longer, so is there anything I can do at this point?? I think this situation is CRAZY!!!! 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can not freeze/hold credit with Equifax online or over the phone. My husband and I had no problem holding credit with XXXX and XXXX online yesterday XX/XX/2018 using their websites. 
My husband was able to have credit held with Equifax over the phone but their website did not work yesterday or today XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Navient Solutions, LLC.
State: MS
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:
Interest rates keep rising with no explanation. They are continuing to report to the credit bureau that my loan is in default despite payments and forbearance that I have on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX reported our account 30 days late when we have never been 30 days late. 
We refinanced our mortgage with XXXX XXXX and closed on XX/XX/2018. They reported our account 30 days late on XX/XX/2018. 

XXXX XXXX acknowledged that this was an internal error and stated they would remove the 30 day late payment from my credit reports. The 30 day late is still showing on XXXX and Equifax which is preventing me from refinancing my mortgage.

Company response to consumer: Closed with explanation