BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
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:
Myfedloan won't accurately process my annual certification for public loan service forgiveness. I have been trying for 6 months and they still won't give me any credit for all of XXXX for the PSLF program, they are not accepting anything from that year as a qualifying payment and they won't explain why I have been working full-time for the same employer ( XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) since XX/XX/XXXX. Every year I recertify and my payments are added to my total. But when I submitted in XX/XX/XXXX they never processed my application. Then I submitted again in XX/XX/XXXX and they accepted the 6 months in XXXX as qualifying, but forgot to look back at XXXX. So now instead of 61 payments ( out of 120 ) qualifying for PSLF forgiveness I only have 49. 

I emailed them about it, and they said the XX/XX/XXXX application is in process, but that's false, because I already got multiple emails from them indicating that they processed the application but approved XXXX and not XXXX. I emailed them again, and this time they said I am incorrect to assert that my latest recertification was processed incorrectly because they show the XX/XX/XXXX recertification as pending, but that is also incorrect as I was very clear I am emailing them about my XX/XX/XXXX recertification. For some reason they show my XX/XX/XXXX recertification as processed with all of XXXX denied, but when I email them they either say it's not done or they falsely claim my last recertification request was in XXXX. 

None of this makes any sense, I've been with the same company for 5 years, they approved all the dates in XXXX, XXXX, XXXX, XXXX, and XXXX, but for some reason they won't process XXXX and eveerytime I contact them they give me a new excuse. I've sent several emails this week and nothing. I don't trust in calling them because I've learned over the years nothing they say verbally will they ever be accountable for. I just want them to reprocess the PSLF certification I submitted on XX/XX/XXXX ACCURATELY, which means processing the dates for XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the  consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a phone call from Sequim Asset Solutions about a {$100.00} debt they received from XXXX XXXX XXXX XXXX for unpaid fees. I currently receive services from XXXX XXXX XXXX and pay monthly however they told me this from a previous account which was closed. The account was closed XX/XX/XXXX because billing responsibility was transferred to another account holder/ After the account closed, the old account accumulated recurring fees for a XXXX XXXX service I asked to cancel. I still made a payment in XX/XX/XXXX after learning the account was still not closed. A year and a few months later, I learned the recurring service for the XXXX XXXX was never cancelled and they sent the bill to collections ( Sequim Asset Solutions ). I was on the phone with over 10 different employees from XXXX XXXX XXXX for 9 hours just to find out that theres nothing that could be done and was left needing to pay for a bill on an account that was cancelled. I cried and have lost sleep since. This is by far the most traumatic thing that happened to me in such a challenging year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: EQUIFAX, 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:
I have several inquiries on my credit report with both Equifax and XXXX that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from both of them stating the same thing which is ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. 

Equifax : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX & XX/XX/XXXX, XXXX XXXX/XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I did not authorize these inquiries with any of the above listed companies on or around these dates. 
Thank You for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have health insurance and claim was supposed to.be sent back to.the hospital to.submit because it was not submitted in time hospital was not legally allowed to.charge me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez became our mortgage servicer a few months ago ( XXXX XXXX   was the original servicer ), and they placed insurance on the property because they did not secure proper documentation from XXXX XXXX   indicating that we already had that. Once they informed us, we quickly sent them the necessary information. On XX/XX/XXXX, we have a letter from new Rez indicating that we had successfully proven our insurance coverage on the  property and the lender placed insurance was removed. On our XXXX mortgage statement, we observed the cost of the lender placed insurance along with a refund for that amount in full on XX/XX/XXXX, indicating indeed that our lender placed insurance was removed. Nonetheless, our mortgage payments went up as a result. I called customer service and they told me that our escrow balance was indicating a shortage because of that lender placed insurance so I had to request an escrow analysis. I did so in the beginning of XXXX. They told me it could take up to 2 weeks for the analysis to be done but once it was, the payment should revert back to the original amount. It has still not reverted despite numerous attempts to call and email them. I called customer service, got bounced around a lot on the phone with no one able to provide any semblance of an explanation for why the payments were still high. On my last call, the representative told me that the lender placed insurance was still indicated on my loan, even though they had sent me a letter 60 days prior saying it was removed. I emailed loan servicing and got no response ( now 8 days ago ). Meanwhile, my payment has still not been adjusted, so they are stealing money each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Have received numerous calls from Portfolio Recovery Associates from spoofed numbers. Today XX/XX/19 XXXX EST auto dialer there was a long pause before someone responded. They asked for me by my old last name ( prior to marriage ) and stated this was a recorded line. I told the woman on the line that clearly due to the long pause they are using an auto dialer and that I have numerous times ask that they not contact me. They have also called my cell I have since changed it due to their repeat calls, I block their number and they call back under a spoofed number. 

Prior letters this company have sent were for a time barred debt so they stated they could not sure but continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a XXXX payment to these people on XX/XX/2018. For my XXXX mortgage. It was cashed by them on XX/XX/2018. And they are saying they never received it. I sent proof of the payment by sending a copy of the check and a copy of my bank statement from XXXX. They are saying they never received it

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 2022-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
letter is in regarding the inaccurate entry being reported under bankruptcy .I have repeatedly asked for evidence to support your reporting, but yet again, You have failed to provide me with a copy of any viable evidence submitted by BANKRUPTCY COURT. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, I provide the letter by UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA. 
I am again formally requesting to be remove from my credit report a the Bankruptct and public Records. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Recently an there was a levy attempt on an account I have with the XXXX XXXX XXXX in California. Currently I have an extension on that account through XXXX. On Thursday XXXX XXXX, XXXX I looked at my account which only had {$0.00} being overdrawn {$120.00}. 

There is a fee stating that the XXXX XXXX XXXX charged my account. I called the XXXX XXXX XXXX and there were no funds collected on my account. Wells Fargo states that this is a cost to Wells Fargo for processing their order, the XXXX XXXX XXXX of California stated they did not charge a fee to Wells Fargo. 

I called Wells Fargo XXXX/XXXX/XXXX around XXXX and was told this is a fee they charge as a cost. Their is no reference or disclosure to this fee and the XXXX XXXX XXXX did not charge it to them.

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 2018-04-06
Company: XOOM CORPORATION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Xoom has been notified my information was fraudulent used to obtain money from me using a fictitious link by a criminal person overseas. I reported it to my credit company that I was seeking services for my website from a company and they provide a link for my information. They used mu information fraudulently to take an unauthorized payment from my credit card. Xoom is trying to twist my words so they will not be responsible for the merchant charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: eCon Credit LP
State: WA
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 XXXX Texas XXXX. Is reporting on my credit report and I do not have an account with them. I called the number listed and tried to get information from the website. the phone numbers and website are both invalid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: LEXISNEXIS
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 have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX  XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This complaint is with HONDA FINANCIAL SERVICES AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX ON XX/XX/2020 I RETURNED A END OF LEASE XXXX XXXX  TO XXXX XXXX IN XXXX XXXX XXXX NJ. IN TURN, LEASED ANOTHER CAR THROUGH THEM ( A XXXX XXXX ). 

XXXX  XXXX NEVER PAID OFF MY PREVIOUS CAR UNTIL ALMOST 3 MONTHS AFTER THE FACT, THE CAR WAS NEVER PAID OFF UNTIL XX/XX/2020. I CALLED THEM MULTIPLE TIMES BECAUSE I COULD SEE ON MY ONLINE ACCOUNT THAT THE PREVIOUS CAR WAS " LATE '' AND NEVER PAID OFF .MONTH AFTER MONTH, HONDA FINANCIAL CONTINUED TO MAKE HARRASSING PHONE CALLS STATING MY ACCOUNT WAS LATE FOR A CAR I DIDNT EVEN HAVE. 

MY CREDIT WITH ALL 3 AGENCIES IS NOW MESSED UP AND IS SHOWING NEGATIVE ON MY REPORTS. I HAVE CONTACTED BOTH COMPANIES SINCE XXXX AND CONTINUED TO DO SO MULTIPLE TIMES TO DISCUSS THIS ISSUE. XXXX XXXX SAYS THEY ARE SORRY FOR THE CONFUSION AND THAT THEY SENT THE PAY OFF CHECK IN A TIMELY MANNER AND HONDA FINANCIAL IS DENYING THAT THEY RECEIVED IT. HONDA FINANCIAL SERVICES SAYS THEY ARE UNABLE TO HELP ME BEING THAT XXXX XXXX PAID THE CAR OFF 3 MONTHS LATE. HONDA FINANCIAL REFUSES TO REMOVE THIS FROM MY CREDIT REPORT. I HAVE DISPUTED THIS MULTIPLE TIMES WITH NO SUCCESS, I FEEL THAT I SHOULD NOT BE HELP RESPONSIBLE FOR THIS. I HAVE NEVER PAID MY CAR PAYMENT LATE, EVER, NOT ONE TIME. THIS IS UNFAIR AND I DESERVE TO HAVE THIS NEGATIVE REMARK REMOVED FROM MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I contacted representatives from the following entities, Citibank and XXXX  XXXX XXXX. 

I received confirmation from both creditors that it would not face negative consequences due to COVID19. As you may be aware, NY was under quarantine for over 2 months which has prevented an steady flow of income. Both representative advised me that the only thing I should be aware of is that the balance would still accrue interest throughout the payment deferral. 

Unfortunately, these representatives did not stick to their word and now my credit has been impacted severely. If that was going to be the case, they should have CLEARLY advised that. I have accounts with other creditors who had advised me the same and there are no derogatory remarks on those accounts. 

As a resolution, I would like XXXX  XXXX XXXX and Citibank to remove any derogatory remarks from my credit report. 

According to the Fair Credit Reporting Act, it is absolutely necessary to report my credit information in a fair and accurate manner. Due to the misleading information provided by the creditors, I urge that this be implemented as soon as possible.

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 2021-08-09
Company: Village Capital & Investment LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Village capital investments LLC has an absurd 7 business day review of payoff requests that are then physically mailed to the requester. This policy exists for no reason other than to delay the payoff of a mortgage to collect more interest or interfere with the closing of a home in the hopes of ruining the sale, again to continue to collect more interest. Our payoff request was submitted XX/XX/XXXX, we received no notice that there was an issue until the title company contacted them the XXXX to ask what's taking so long. Village capital informed them that since there was no wet date on the document, despite being a wet signature and the fact that the date of the signature of the document is irrelevant to the request, it would not be processed. Again, clear indication of arbitrary policies that exist for no reason other than to delay processing for the purpose of interfering with the paying off of the mortgage to collect more interest, either through delay or fully stopping the sale of a home. I called village capital on the XXXX and was told it would take 7 days. I was not told 7 business days and even a personal request from myself for a payoff date would put me at the back of the line. My calls then began to be screened by the company, calling 4 times between the XXXX and XX/XX/XXXX, getting through the automatic system and it hanging up. I know my calls were screened because we called on my wife 's phone on the XXXX and went right through to a representative. The XXXX was supposed to be the close date of our home. Since we had to extend our class date we also lost the home that we were intending to purchase because it was contingent on close. Since we lost the purchase, we have to pay thousands to extend our rental. The representative clarified it was 7 business days but refused to elaborate why the policy exists. I have family that worked mortgage servicing in theXX/XX/XXXX 's that provided same day payoff amounts with per diem rates. These policies have no valid reason for existence and are designed to harm the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: CT
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:
Experina is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information

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