BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Home Affordable Modification became effective XX/XX/2012. I've been making my payments as agreed in the modification. In XX/XX/2012, Chase transferred my loan to XXXX XXXX XXXX, XXXX. Months after the transfer to XXXX, I noticed a prev-prior servicer fee of {$4900.00} on my monthly statements. XXXX, couldn't give me an explanation of the fee other than it came from Chase Bank. I've tried calling Chase several time for answer but I received the same reply, we are sorry but we don't have any information about your loan because everything was transferred to XXXX. Finally, after putting my dispute on paper, I received a response from Chase Bank that has me even more confused. My Home Affordable Modification states that I would have a new principle loan balance of {$210000.00} which includes all amounts and arrearages that will be past due as of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, " unpaid amounts '' It also state in the preceding paragraph of the agreement that all unpaid late charges that remain unpaid will be waived as of the Modification effective date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The inquiries listed were unauthorized. The accounts listed, are not mine.

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 2020-09-05
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:
Ok I paid off accounts that were on credit report and have disputed these items several times bc they never came off the reports no did they update at all. Equifax has a lady I spoke with about this a few times she is very smart mouth and arrogant and says shes not required to tell me her name. She has put remarks on the credit report causing my score to go way down 4-5 times now. Every time I dispute my XXXX XXXX   account she does this. Totally illegal and fraudulent! Im very mad to say the least!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Experian Information Solutions Inc.
State: NV
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:
These accounts listed are not mine. Please remove 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 non-monetary relief
Consumer complaint received 2017-08-03
Company: Merchants' Credit Guide Company
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I submitted this complaint before but it was the wrong company. Several months ago a woman named XXXX XXXX contacted me about an account that was with closed, or paid off, in fact I never received any paperwork, I paid XXXX a month, then my account was hacked and I become ill. She began calling again. XX/XX/XXXX my father XXXX and a short time later she called again. this time she said I owe XXXX dollars, adding to it instead of subtracting the money I paid. Then she said it was to bad about my dad, but last time you said your account was hacked, she was really rude and intimidating. I hung up and started to cry. She did not believe me that was obvious. I sent the company a copy of my father 's XXXX XXXX to prove I was not lying. I do n't even know what this money is for. And this XXXX XXXX is rude and intimidating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: AZ
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:
Dear CFPB, i have sent multiple letters to Experian, XXXX, XXXX  over the course of a few months. I believe i was a victim of ID theft. I attatched a copy of my ID, SSN card, FTC report, and Cover letter. Last letter was sent out XX/XX/2020. There are accounts on my credit that arent mine.

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 2018-03-28
Company: Navient Solutions, LLC.
State: NY
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 been paying my loans on time every month for 10 years. My loans were consolidated with Navient ( then XXXX XXXX ) in XX/XX/XXXXor XX/XX/XXXX, before the PSLF program was started. I work for a Qualifying XXXX and have for more than 10 years. Many, many years ago after the PSLF came out, I called Navient/XXXX XXXX to discuss PSLF. I was advised to continue to make my ontime payments and more information would be given to me as the details emerged. In the past few months, I have found out that my loans through Navient do not qualify for PSLF. 

I have had opportunities over the year to move into for-profit work making 1.5 or 2x my salary. I did not take these jobs thinking that the lower pay was worth it now that I would be getting my loans forgiven. 

I just tried to talk with the company again who basically told me I would have to re-consolidate with Direct loans and start all over. I would have done this at any point over the last 10 years had I known that I would not be eligible. Navient has bad business practices and should be held accountable for the inaccurate information given by their call center representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow up to my previous compliant. Wells Fargo promised by letter to resolve the issue by XX/XX/XXXX. Today XX/XX/XXXX and I have not heard from Wells Fargo. If Wells Fargo needs more time, I should be notified by mail or in writing. 

Wells Fargo is trying to drag to the Gutter. It is a systematic method to wear me out Mentally & Financially. It is all bout race. 

Please refer to the attached letter dated XX/XX/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 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to reach XXXX on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. XXXX is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

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 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts listed are not mine. Please remove 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 explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: WI
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:
I tried to dispute two accounts that I closed and update balances on existing accounts, Equifaxs online dispute does not allow me access although I enter all my information and answer their verification questions correctly. I closed my XXXX XXXX, XXXX and one XXXX Account. XXXX XXXX, XXXX XXXX Visa, XXXX XXXX Master Card all have a {$0.00} balance. My other XXXX credit card has a balance of {$52.00}. It extremely frustrating to try to dispute or even contact Equifax, as they either dont investigate or update accounts properly, or make it nearly impossible for consumers to contact them. And because the outsource their customer service dept is a struggle to comunicate property and convey information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank charges predatory fees. On XX/XX/2020, I deposited {$20000.00} into my savings account to satisfy the minimum required balance. Gathering that {$20000.00} represented an enormous effort. I had to sell two vehicles, plus some furniture and clothing. The pandemic has hit my household hard, and we have no money to spare -- just these emergency funds from selling things. Only 2 days after I deposited that {$20000.00}, TD Bank hit me with a {$15.00} cycle fee. It must have been automated, and did not take my deposit into account, as a human being exercising judgment would probably not punish a struggling customer like that. So I sent TD a secure message about the fee. All I got was an automated response telling me they'd get back to me. They never did. On XX/XX/2020, TD imposed ANOTHER {$15.00} cycle fee, clearly caused by TD 's XXXX fee that had drawn my balance below {$20000.00}. While the first fee may have been an error of automation, the second fee is TD charging me for TD 's own fees. This fee pile-on is unfair and abusive. I called TD Bank customer service about this today, and they refused to help. Please stop TD Bank from preying on struggling  consumers like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12
Company: The Receivable Management Services LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any notifications from collection attempts, this morning I got alerts from credit bureaus that a new collection had been added and that's how I found out about this account... I have not received any notification. The amount is {$370.00} which had I known about I would have paid in full to the creditor. I called the creditor and I am given account number : XXXX for the collections agency Receivable Management Services LLC RMS

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 2020-01-25
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX US bank allowed my cash to be stolen from my account XXXX at XXXX and XXXX branches from someone using my identity at the branch. I called us bank on XXXX they informed me to go to the branch, i went to the XXXX XXXX branch XXXX alerted the branch manager XXXX, she stated i could not file a claim until i had gotten a police report, including telling me she did give my money to someone who looked like me thru drive thru. {$3700.00} was stolen, it placed me in a immediate hardship leaving me homeless. I requested my funds be replaced and i continue getting no where. Im a victim of identity theft. My vehicle was hit in a accident leaving me without funds to repair my only transportation. XXXX was very rude in conversion she is part of conspiracy to discriminate against me changing my ein on my account unauthorized. The XXXX branch tellers was going into my account stealing money and giving my personal information to associates of theirs upon request not following the privacy laws and allowing multiple debits from vendors on purpose in all XXXX. US bank has accepted money and other tokens from high government officials to discriminate me personally, US bank stole my XXXX XXXX XXXX XXXX when i was 80 days behind on payment and demanded i pay the full loan amount to get my vehicle back by paying the two months i was behind, one reason for the discrimination is because i authored a book ( XXXX ) stating facts, knowing the conspiracy Donald Trump and his cabinet members are entangled in with the other nations, it is a retaliation.

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 2019-09-28
Company: AES/PHEAA
State: NH
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:
For over the past year I have been trying to make larger payments on my student loans to help get them paid off. I noticed that my balances barely ever looked like they were getting any lower. I contacted them through email as their phone line is impossible to get through. I was sent back a generic response for if I needed assistance because of inability to pay. I had to spend over an hour trying to dig through information on their website so find out that they were putting any extra money that I clearly stated on my checks was for principal towards interest. This is sneaky and only in their best interest. I want all of my payments fixed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My XXXX XXXX XXXX XXXX was totaled in an accident in XXXX of XXXX. Ally and XXXX XXXX XXXX XXXX are refusing to take accountability for totaling the vehicle which has led to this writer having to pay fines from the state of NJ. Furthermore, Ally decides to harrass both the father and this writer with phone calls demanding {$16000.00}, yet they would not respond to any of my previous correspondences from XXXX of XXXX to present that would have prevented this issue from evolving to where it is currently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
These three companies lack knowledge to how correct or report data. The issue of correcting my mortgage balance was never update or investigated. How can they lie that tis was done when I am still seeing the big error still on my reports. 

It is not in the $ XXXX as they report so their just do not know what their doing or lazy and think consumers should take their foolishness. 

Currently as of today my account with XXXX XXXX is the balance below. 
MORTGAGE ... XXXX {$100000.00} Outstanding principal balance This is what is currently shown on XXXX. Nothing was done. 
Report Number : XXXX Date Generated : XX/XX/2021 Account NameXXXX XXXXXXXX XXXX XXXX  Account XXXX Account TypeMortgage Balance {$100000.00} Balance 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 2020-08-28
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX, XXXX, and Experian are reporting incorrect information on my credit reports. There are 3 late payments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

XXXX shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. XXXX, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. Experian, is reporting this same account with the account number the same as the XXXX report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account XXXX  is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
XXXX  is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
Experian is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the XXXX  report. 

These 2 accounts are infact duplicate accounts and I have never paid late.

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 2017-07-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Not true amount of debt

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 2021-11-29
Company: EQUIFAX, INC.
State: PA
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 XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX {$1200.00} Charge Off XXXX XXXX XXXX {$370.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: TX
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:
I asked to have investigated two bankruptcies on my current credit report. There is a chapter XXXX Dated XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to any credit bureaus. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent bitcoin  to this account which they closed out. I have emailed them for my money back. I have emailed them in the past with zero response due to the account. 1000s of  complaints online for this company not replying to their customers. 

Coinbase company Transaction : XXXX StatusCompleted ConfirmationsXXXX Address XXXX XXXX   XXXX DateXX/XX/2018 XXXX I want my currency returned back to me. It is valued at over 4500 $!

Company response to consumer: Closed with explanation