BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-16
Company: RoundPoint Mortgage Servicing LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint mortgage servicing corporation obtained the mortgage I closed with XXXX XXXX on XX/XX/2018. This loan includes an escrow requirement for property taxes. On XX/XX/2018, I provided XXXX XXXX with a letter from the county indicating that I owed no property taxes for XX/XX/XXXX. I asked XXXX XXXX to remove the property tax escrow from my mortgage payment. They indicated they had sold the loan and could not do anything and I should contact the new owner of the loan, but they couldn't give me the new owner 's contact info until XX/XX/2018.

On XX/XX/2018, I was notified that the owner of my loan was now Roundpoint mortgage servicing corporation. I immediately provided XXXX   with the letter from the county indicating I owed no property taxes for XX/XX/XXXX and asked them to remove the property tax escrow requirement from my loan and to apply the XX/XX/XXXX property tax I already paid to my loan balance. XXXX notified me that they received my request and would contact me by XX/XX/2018. I never heard from them. They sent me a letter saying that the escrow could not be eliminated since I owed escrow payments for insurance and for PMI payments. I notified XXXX that I did not request the elimination of the escrow, only the removal of the property tax component. I spoke with a supervisor at XXXX who guaranteed me that my issue would be resolved by XX/XX/2018, and she guaranteed me a call on XX/XX/2018, to verify the resolution. I have not heard from XXXX and my account still shows the payment required for the property tax escrow.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have been sending letters to the bureaus because I have inaccurate items on my credit. My husband and I have yet to hear anything back and we really need these items fixed. I have attached the letters we sent that are the most recent but there have been more. Please fix accordingly.

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 2018-11-16
Company: Nelnet, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX After viewing my XXXX  credit report I noticed that there are several duplicate accounts listed on my credit reporting and a few accounts reflect incorrect dates on loan origination, loan term & payments. 

I have 4 to 5 duplicate accounts listed on my XXXX credit report starting with page 8 Account # XXXX {$470.00} page 10 Account # XXXX ... XXXX {$3800.00} Page 12 Account # XXXX .... {$3800.00} Page 12 Account # XXXX {$470.00} Page 12 Account # XXXX {$3500.00} Page 13 Account # XXXX ... {$3500.00} Page 14 Account # XXXX ... {$3500.00} Page 14 Account # XXXX .... {$3500.00} There are several errors listed as well with the TERMS of the loan, loan origination dates & payments. I can list them all its so many. I would like to start my dispute with the duplicate accounts listed thatll give me time to write all of the errors. 

Under the provisions of the 1977 Fair Credit Report act I hereby request that the reporting agencies prove to me in writing the accuracy of the reporting this account. Under the terms off the act & succeeding court cases they have 30 days to improve the accuracy or they must remove the account from my credit report. 

Please feel free to call me with any questions you may have at the above number. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is against XXXX XXXX. They repossess my car after being late approximately 70 days past due. I had spoken to several representatives in order to work out payment options. 8 had been previously laid off and have been playing catch up since recently being employed. 

I immediately contacted GM Financial on the day they repossess my car on XX/XX/13 and made a payment in full for the balance. In spite this fact, FM Financial has reported a repossession with all three credit beareaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Paypal Holdings, Inc
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 : I received an email from PayPal notifying me of the Permanent Account Limitation on my account with no valid justification or reason for the decision that was made and the action taken relative to my account.

The email notification also did not provide me with any direction or ability to resolve this matter, which is a part of PayPals user agreement and a potential violation on behalf of PayPal, which could deem the user agreement between the two parties null and void.

PayPal shutdown this account instantly and without merit and is holding my available funds for 6 months with no explanation or factual basis stated to justify the right to govern the transfer of my available funds to my linked bank account. 
I have communicated through the resolution center on numerous occasions requesting factual evidence related to this issue and for a solution to resolve this matter with no success.

PayPal Inc. refuses to provide any valid/factual violation to justify PayPals decision regarding my account and PayPal refuses to release the balance of funds for transfer to my linked bank account. 

Prior to this current matter, I have never received any communication or notification from PayPal concerning any negative activity associated with this account in reference to fraudulent activity, high risk behavior or any other matter that has violated PayPals user agreements and represents any associated risks for PayPal in the 9+ years the account has been active.

The balance of funds in the account present no associated risk for PayPal as the funds were processed via customer credit card payments not PayPal account balances and the funds are backed by legal binding
sales contracts for services rendered and would be governed by the state of South Carolina should any dispute arise. Therefore, PayPal does not have the right to govern the funds at this point, leaving no valid or credible reason for the funds to be held in the account and not be released for transfer to my linked bank account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied to Chase freedom unlimited card as of XX/XX/2021, under the impression that I will be receiving 5 % cash reward on groceries up to XXXX in the first year, as described in the website : https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited. 

However, I do not see that information in my card reward earn section in my chase app. I called on XX/XX/2021, the customer representative instructed that the 5 % on groceries promotion ended on XX/XX/2021, so I am not eligible for this reward anymore. She said she checked with the team and is sure of this, after I asked multiple times. The line is recorded. 

The information about 5 % on groceries, however, is still in the advertisement on the official website. I feel falsely adversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TD BANK US HOLDING COMPANY
State: MI
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:
I am the victim of Identity Theft. I notified my local police agency and my Credit Card, Nordstrom Signature VISA of the unauthorized charges. have complied with all of Nordstrom 's request, completed and supplied them with an Affidavit of Fraud. Nordstrom Card Services, without even contacting me has arbitrarily and capriciously not credited my account for unauthorized transactions, has adversely effected my Credit Worthiness as they have reported to the three Credit Reporting Agencies, XXXX, XXXX, and XXXX, I have used my card in an amount over the Credit Limit, where in fact I have not and the balance they are reporting is because of the unauthorized transactions.I have attempted to pay Nordstroms in fact what they are owed as an appropriate minimum payment on what charges were mine, have requested on multiple occasions they provide me with a true and accurate statement. They have not and I have no idea what amount I actually owe for a minimum payment as Nordstrom Card Services has not told me. Further, as part of the Nordstrom Card Services I am entitled to Nordstrom Reward Points, my account reflects that I have reward points but Nordstrom Card Services has refused to allow me to use them. Nordstrom is in violation of State and Federal Consumer Protection Laws and State Law of Defamation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received a credit alert from XXXX  that a new collection account has been added to my credit file in the amount of {$1000.00}. The company is Capio Partners/XXXX XXXX XXXX. On XX/XX/2018 I sent a validation letter by certified mail via USPS to this company requesting that the debt be validated and requested that all communications be conducted by USPS. On XX/XX/2018 the validation letter was delivered to an individual at Capio Partners office address. Between XX/XX/XXXX and XX/XX/2018 the account was removed from XXXX and XXXX. At that time I was not disputing the account with the credit reporting agencies directly and after Capio Partners received the validation letter requesting validation of debt per the Fair Debit Collections Practice Act and the Fair Credit Reporting Act the account was removed. Capio Partners was not reporting to XXXX at the time, As of XX/XX/2018 I have not received any communication from them through USPS as  requested validating the debt they claim I owe. I believe that XXXX XXXX is being negligent in reporting to XXXX  an account that was requested to be validated by me per FDCPA and FCRA. This company has directly affected my credit worthiness with possible lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card 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:
Hello my name is XXXX XXXX and I have been getting harassed by two different companies a year apart for the same account from capital one as well as the capital one who told me they sold my account back in XXXX or XXXX to a company who is no longer in service I recently received a new Capital One card thats under XXXX now the first company is called XXXX XXXX XXXX who told me last year around XX/XX/XXXX or the XXXX of XXXX they had me pay them close to XXXX dollars and I thought that they was clearing up my collection bill and then I get a call this year on XX/XX/XXXX with the same Information just a different company name and the same account numbers and almost the same amount they want almost {$1900.00} and they are trying to make me pay just like the first time I really need some Help I can email you all the information they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NC
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:
Equifax says they could not identify me with this fraudulent account on my report. I have attached copies of Driver 's license, Social Security Card, return receipt for company that has received my dispute. I have also attached a copy of the affidavit of truth ( copy before notary ), cease and desist letter, and Identity Theft Report. Equifax I would hope that you do your job and protect my consumer report as it has been ruined by this fraudulent account. Please have it removed from my consumer report. I want XXXX XXXX XXXX to also send a letter to Equifax and myself stating it is being removed as well as pay the invoice attached for violations against my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: IL
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:
I have submitted multiple complaints and have even gotten the dealership involved at this point. I have read multiple complaints via the XXXX  and I know I'm not the only person XXXX  has taken advantage of recently. One credit agency has seen through XXXX  faulty claims and has corrected my credit file. The other two need to as well or I have no problem getting my lawyer involved. I have previously included multiple documents. I am including what is new at this point. 


I ended my lease early because the dealership wanted my car back. The dealership agreed to pay the amount left on the lease. They didnt do so in a timely manner. Payment was due in XX/XX/2020, the dealership didn't pay it until XX/XX/2020. They DID pay it after numerous attempts on my part. My credit should not have taken such a terrible hit due to their late payment. XXXX has been sent a letter from the dealership themselves stating that this was in NO way, shape or form my responsibility or my fault. I no longer had the car and had signed over everything to the dealership in XXXX. I am including a document that states the dealership was supposed to pay in full what was owed as well as a letter from the dealership stating that it was entirely their fault. 
XXXX also falsely claimed they weren't sending late payments to credit agencies during this Covid 19 pandemic. So even if this were my fault, they have fully taken advantage of covid 19 to hurt a lot of peoples credit. It is a terrible business decision on their part and one that will result in numerous lawsuits.

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 2018-11-16
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had several problems with XXXX XXXX. Every year I have to submit my employment verification form several times in order to get it processed, even though I serve in the XXXX. I have also had trouble with deferment issues. I am currently enrolled in a Master 's program part-time and every semester XXXX automatically puts my account in deferment. I call and submit the deferment waiver form to be taken out of deferment because I am in the PSLF program and every month I am in deferment is a month that does not count towards PSLF. Every time I call and submit another deferment waiver form I get told that it takes time to process and that it will all be sorted out, but this seems to be a pattern with XXXX and I can not figure out why I keep getting put in automatic deferment when I have specifically requested to not be placed in deferment. Additionally, when I applied for PSLF, all of my loan where transferred from XXXX to XXXX. During this period I was unable to access my account to ensure my payments where being processed. I made several calls and every time I was told not to worry I would have access to my account " soon ''. By the time I got access XXXX informed that my loans where past due because I failed to pay on time. Then a year later they tell me because I had a late payment that my forbearance funds were being nullified and the interest was being added to my account. This only amounted to around 150 additional dollars but its about principal. This company has failed me and other customers at every turn. Furthermore, they seem to not care about the effect that their malfeasance has on borrowers. In fact, I seldom receive customer care that is not rude even borderline hostile when I call about my account. Including today XXXX XX/XX/XXXX, after waiting no less than 20 minutes on hold I was greet by XXXX, employee number XXXX, who could not have been more rude and insensitive about the fact that my account was being placed back in deferment and I was having to take time out of my duty day to attempt to correct this action again. I want to know when XXXX will be held accountable for their deceptive practices relating to deferment and public student loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: GOLDMAN SACHS BANK USA
State: NY
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 got these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts 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 been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Improved Data Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt collector was calling and harassing friends and family members and telling them to get a message to me. When they said that they didnt know anything about what the collector was talking about they asked if I had committed fraud on the original application. I then started getting calls about how my social security number was being deactivated because they found out that someone was using it to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: ENOVA INTERNATIONAL, INC.
State: NM
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:
On XX/XX/2021 I noticed there is another inquire that I did not recognize, from XXXX 
Details as below : NETCREDIT FS XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION This is not done by me and I have sent an email to XXXX ( which I got from their website ), as the contact number provided did not answer my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: VA
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:
Please help me as I found some strange accounts in my credit report yesterday. I do not know them and they are not mine. Its identity theft and therefore I filed a report. I just ask you to start the investigation and figure out how that possible. And of course delete them from my profile. Thank you and take care

Company response to consumer: Closed with explanation