BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
Company: AES/PHEAA
State: CA
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:
XXXX handled my student loan from XXXX, XXXX, XXXX. I noticed that XXXX utilized a glitch to charge more fees/interest to students, and upon review of XXXX payment history, it appears XXXX also utilizes a glitch to collect more fees/interests as well. 

XXXX responded to complaint XXXX in which it referenced XXXX practices ' in regards to my student loan, so before this case goes to court, XXXX has an opportunity to resolve any discrepancies. 

Fact XXXX. I began paying back this XXXX year loan to XXXX in XXXX XXXX. 
Fact XXXX. The beginning balance of the loan was approximately XXXX 
Fact XXXX. I was only required to pay back XXXX per month starting in XXXX XXXX. 
Fact XXXX. From XXXX XXXX to XXXX XXXX XXXX XXXX total months XXXX, I paid XXXX XXXX XXXX XXXX doc ). 
Fact XXXX. If I was only required to pay back XXXX per month then $ XXXX months paid. 
Fact XXXX. Since XXXX months paid, that equates to XXXX years, XXXX months. 
Fact XXXX. Since I started paying back in XXXX XXXX, XXXX years, XXXX months after that is XXXX XXXX. 
Fact XXXX AES XXXX processing my loan in XXXX XXXX, and at that point, I was already XXXX years, XXXX months ahead in paying my loan. 
Fact XXXX XXXX XXXX that I was late in XXXX XXXX, which was false. I was ahead. XXXX assumed I was late and did not consider payment history when making false assumptions/decisions. 

Fact XXXX XXXX XXXX reporting that I was late with XXXX XXXX when this is not possible, as seen in the payment history, I paid more than the required amount. 

Fact XXXX. XXXX refunded me late fees in XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX because the system it uses has a glitch that automatically charges late fees when the student is already ahead. I did not ask for these refunds, however, it appears, someone within XXXX recognized that I was in fact ahead in my loan, and refunded me accordingly. 

Fact XXXX. Since XXXX is reporting that XXXX considered that I was late in making payments, I need documentation relating to those facts, otherwise, when a lawsuit is filed against XXXX, I must also file against XXXX. 

When borrowers pay back over XXXX in under XXXX  years, and when the starting loan is under XXXX, it can easily be seen that the borrower was ahead several months. However, since the loan was transferred to XXXX in XXXX, XXXX, the late fees that were previously refunded in XXXX, XXXX, XXXX due to system glitch caused XXXX to think that my loan was late when it was not. XXXX XXXX not have reviewed loan properly before it was transferred, however, XXXX needs to review it now and verify that I was in fact ahead by over XXXX years. Documentation is needed so it can be relayed to XXXX, and this will help XXXX to avoid costly litigation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: CITIBANK, N.A.
State: CO
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:
On XX/XX/2020 I made a purchase for an item. When the item arrived it was a counterfeit. I called Citi to get a case open on XX/XX/2020. I provided all the proof they needed and they ignored my case. On XX/XX/2020 they close the case on the buyers favor, when the buyer is selling counterfeit items. Citi does not care tho, Ive trying to contact them again but its been impossible since their lines are always busy. They told me to try to shop the item back, but its like {$30.00} just to send back to the country where it came from. Thats why I have tried contacting the seller multiple times but no luck. In the pictured that I provided it shows what I was supposed to get besides what I received.

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 2020-12-21
Company: DailyPay, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I work for XXXX XXXX  and joined an advance pay app affiliated to XXXX XXXX in approximately XX/XX/2020. In XXXX I began experiencing that daily pay was no longer making my wages available to transfer for a fee after hourly rates shifts was worked. Additionally after contacting them they alleged that I transferred XXXX or XXXX ( literally changed amounts from XXXX to XXXX ) and was overpaid by them when my post quarantine paycheck net was XXXX. She then calculated XXXX - XXXX = XXXX and said they would deduct XXXX from my next pay ( of XX/XX/2020 ). I argued that nothing provided that I was over drafting from the app nor did the app make that possible or notify of such a thing. They continued to not give me services that I received from the app before that would update automatically and make available my paycheck in advance where they could have deducted the XXXX. 
The daily app gave notification that On XX/XX/XXXX XXXX of XXXX pay check was sent to my account at XXXX XXXX XXXX bank. XXXX - XXXX is XXXX. So daily pay took XXXX from that paycheck and not XXXX and not indicating any over draft fees etc. 
Additionally my paycheck was never received from m & t bank. I called XXXX XXXX XXXX on friday XX/XX/XXXX. I contacted dollar tree corporate and HR in email XX/XX/XXXX and was replied to. I continuously called dailypay on friday and saturday XX/XX/XXXX and XX/XX/XXXX with correspondence in emails. Daily pay tried to blame XXXX XXXX XXXX XXXX  at the latest of several calls the others of which only said my pay was sent and no information. Dailypay has had no HR department availability either. 
I went to XXXX XXXX XXXX XXXX XX/XX/2020 and they accused that my pay is under another name. 
Attachments area

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Aspen Yo LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was acquired XX/XX/XXXX by Gregory Funding LLC. Even after receiving Letter of Authorization from my Bankruptcy Attorney ( XXXX XXXX ), The servicer has failed to provide me with detailed information regarding my loan- making it unclear where I stand. After excessive hold times and an escalated call back from a Bankruptcy Representative today, the servicer stated that they are unable to provide me with these two basic requests : -What months am I currently due for? ( In other words, if I make a payment today to your company OUTSIDE OF MY BANKRUPTCY AGREEMENT/POST PETITION PAYMENTS what month will my payment be applied to ) -What is the total delinquency amount? 

The reasons I am requesting this information are as follows : I am currently under review for mortgage payment assistance with the Virginia Mortgage Relief Program and they are in need of detailed information regarding my delinquency that I have been unable to provide due to the incompetency of my current mortgage servicer. My application has been opened since XX/XX/XXXX. 

My intention is also to begin making payments directly to the servicer to pay down the arrearages quicker in the event that I am denied for the XXXX however, I am disputing the total delinquency amount and would like a breakdown of payments due prior to doing so. 

On the call today with representative 'XXXX  XXXX in the Bankruptcy Department XXXX She stammered and stuttered through the reasons she was unable to provide assistance with my requests. On the first 34 minute call ( XXXX XXXX XXXX  ) I was advised that the information could not be provided to me due to the active bankruptcy ... although she acknowledged receipt of executed Authorization from my attorney. On the second outbound 37 minute call ( XXXX XXXX XXXX ) she advised the reason she could not provide the information because the Post Petition Plan was not currently in effect. She argued that the reason that they can not view or obtain the information ( months currently due ), was because the bankruptcy protects the account from Foreclosure. I advised that I am aware of the Bankruptcy Protection Act, however the mortgage servicer should still be able to provide an explanation of arrearages. 

She offered to send out a contractual reinstatement letter but did not seem confident that the letter would provide the information requested. 

I am disputing the total delinquency amount and I am requesting that all arrearages for which can not be explained be forgiven. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My wife and I applied for a Home Equity Loan with Bank of America to pay off some debts, credit cards, department cards and auto loans.The loan process started approximately at the start of XXXX XXXX. My wife talked to XXXX XXXX at XXXX ext XXXX email : XXXXXXXXXXXX. We received an email on XXXX XXXX XXXX to review Loan Documents, which are new documents related to the mortgage loan application are now available Bank of America online in the Home Loan for our review. XXXX sent us an email on XXXX XXXX explaining us what we need to provide them to start the loan process. Which documents was provide. They are as listed ; One month of paystubs, W2 's XXXX & XXXX, a letter explaining them a credit was run from XXXX on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, from XXXX on XXXX/XXXX/XXXX ' How long we lived at the previous address, why we were delinquent on payments from certain credt cards, some accounts that were place on collection. Then on XXXX XXXX we recived a Conditional Loan Approva from XXXX XXXX @ XXXX email : XXXX. Then approximately on XXXX XXXX my wife received a call from XXXX XXXX and letting us know we must close out credit card department cards cards in order for Bank of America will pay off the close accounts except the auto loans which they also be paid off. So we had a conference call from to verify the credit cards and department cards are closed. Once we closed the accounts and they were verify by a representative from XXXX we were promise the loan will be closed on XXXX XXXX XXXX. A few days later we received a Notice of Action Taken letter via mail dated XXXX XXXX XXXX which is telling us we were denied on the loan. We were told from XXXX the loan will close on XXXX XXXX and she now tells us we were denied on the loan because we applied for other credit card accounts, which we have never did. We were told not to apply so we can get approval on our loan. We have left numerous emails and phone message on XXXX XXXX XXXX to XXXX. On XXXX XXXX XXXX we talked to her so Bank of America can provide us some proof when and where we applied for credit. She responded that there is nothing they can do and they are not liable. Now our credit scores were about over 650 now they are at XXXX. Since we closed the accounts and Bank of America did not pay the loans they promise, we have been receiving phones calls every day from the creditors when we will pay off the accounts.

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 2021-11-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is an address on my credit report that is not mine, I never lived at that address. 
The address is XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equafax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX-Balance {$0.00} XXXX XXXX  XXXX-Balance {$0.00} XXXX  XXXX-Balance {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX. I called CPS at XXXX and dialed extension XXXX to speak with XXXX. I spoke to XXXX about paying 2 monthly payments that were due on XX/XX/XXXX and XX/XX/XXXX, XXXX each payment is {$290.00}. I paid a total of {$580.00} for the XX/XX/XXXX and XX/XX/XXXX payments and XXXX gave me confirmation number XXXX. 
On XX/XX/XXXX, I began to get calls and texts from CPS stating the payment due on XX/XX/XXXX was not paid. I went to their web site and seen on their payment history that XXXX misapplied {$290.00} to fees on XX/XX/XXXX. This was incorrect and I never agreed to pay fees on XX/XX/XXXX, I only agreed to pay 2 monthly payments. XXXX did not mention paying fees. 
Now CPS is saying I owe {$290.00} for XX/XX/XXXX when I paid it on XX/XX/XXXX over the telephone with their rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Santander took and sold my car against my will in XXXX. I've reached out several times to see who it was sold to and how much it was sold for. I've never received the proper disclosures pursuant 16 cfr 433.1. I do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 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. 
Company XXXX XXXX XXXX XXXX  XXXX  XXXX  PLUS XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing in reference to my credit card and the three late payments from XXXX, XXXX and XXXX of XXXX that are on my credit report. Also, the reduction of my credit limit causing my excellent credit score to plummet. I opened this account in XXXX, and I really loved Chase prior to this inhumane dealing. It was my first credit card and has been my only to this day. For my first credit card, I have always done very well with it. It helped me to build a XXXX credit score prior to the end of last year. Last year I fell into a XXXX due to the pandemic and financial hardships from this plague. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was a tough time, and my first time being XXXX. I am asking that you please remove these three late payments as a goodwill adjustment due to my proven responsibility with my card prior to the late payments due to the pandemic, and due to me currently being in good standing. I also request for my {$4000.00} credit limit to be restored back to my card. I have tried speaking with J P Morgan Chase Bank several times, around 8 times, and they have not been able to assist me. They have just said that they can remove late fees. I dont care about that, I care about my credit score that has been ruined due to this, and Chase having no assistance to me, but just lowered my credit limit to make things worse for me. 

I just found out that there was a 6-month deferred payment program during the pandemic that was never offered to me, and I was told that I wasn't eligible for it a few days ago. I am saddened and dont understand how someone who has been a loyal customer for years that has been in good standing the entire time wasnt eligible for assistance. A program where you helped customers for 6 months, and I only needed 3.

I am better now, and I have noticed that it is going to take a long time to get back to the XXXX credit score that I had prior to these late payments and credit limit reduction. As of earlier this week, I was hit with a {$350.00} increase in rent, and I now need to move out. I cant get approved at a new place with the credit score that I currently have. I have never been in this place in my life where I am afraid if I will have a place to live just because I cant get approved due to credit. I have always had good credit since opening this account. I ask that you take my history as being a loyal Chase customer that has always been in good standing prior to this pandemic into consideration, and provide me with assistance. I am back on track with my payments, and ask that you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, my wife came home and a young man handed her a stack of legal documents and a open envelope. The documents included court papers, copies of my credit card bills, a citation, a petition - civil case, and an affadavit from XXXX XXXX. Additionally was an open envelope with a yellow piece of paper from XXXX XXXX XXXX indicating this to collect a debt. The young man advised my wife the papers were on the sidewalk outside our apartment. Im not sure how long this communication has been outside. My personal information was left outside wide opened detailing my personal information for a passerby to see. This has to be illegal to allow my private financial matters to be left outside in public view.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated calls to cell phone and repeated letters after being notified of representation. 

All of my original creditors have been notified by phone and in writing that I am being represented by an attorney both by telephone and by letter. The fact that I am being represented by an attorney does not vanish because the debt is purchased or transferred. If this firm purchased my debt, or even if they are just managing my debt, then this firm also has access to the records of my debt and has knowledge of my attorney representation prior to taking ownership of my debt. 

This firm has also been individually notified that I am being represented by an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom this may concern, I submitted 2 letters to Equifax regarding 4 hard inquiries that are on my report, from almost 2 years ago. I have let Equifax know that I wanted to dispute these because these inquiries are NOT mine. I have asked them to provide me with documentation bearing my signature that I authorized these creditors to run my credit and allow such inquiries to be placed on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have sent letters out on XX/XX/XXXX and to my knowledge the creditors have 30 days to respond or the inquiries have to be taken off my report. I have also written ANOTHER letter and sent it off XX/XX/XXXX. Both letters were sent by certified mail. I have also called Transunion and yet NOTHING has been resolved. Because these companies can not verify that I authorized these inquiries I am requesting these inquiries be taken OFF of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/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