BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
My Name Is XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. The COLLECTIONS NAMES ARE XXXX XXXX  THE FIRST AMOUNT OF XXXX $ THE OTHER AMOUNT IS XXXX $ Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report

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 2022-07-14
Company: Nelnet, Inc.
State: TX
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:
Servicer changed from XXXX XXXX to XXXX then to Nelnet. 

Nelnet was not able to provide me with a complete payment history of my loans. Loan payment amount should be over 30,000 dollars and report sent to me showed one payment in XXXX. I have been out of school since XXXX so I know for a fact this is incorrect but no data is available from the previous servicer. The website doesn't even exist anymore. This data should have been transferred with my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: AES/PHEAA
State: CA
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:
Have made several additional payments to the subsidized loan amount and submitted funds according to American Education Services requirements along with a letter stating specifically the amount to be applied to the subsidized loan. Twice now, they have split the amount between the subsidized and subsidized amount and it has taken 2 months to dixe the problem. Now they have done it again, even though I sent them a form letter from their website stating where I wanted the extra funds to be applied. I feel this is predatory practice and I am unable to find any solution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX there was an account close that was created under my name by my tax preparer without my acknowledgment this account has been open from XXXX XXXX XXXX the bank has repeatedly said that they were going to send my money that was left in the account to me that did not happen they have sent it back to the IRS as of XX/XX/XXXX from my understanding when I spoke with the IRS they have repeatedly told me That the funds have not been returned XXXX XXXX XXXX has a written letter stating that the funds have been returned and the check has been cashed and the IRS has no indication no record of any check being returned

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT INQUIRY ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT CREDIT INQUIRIES : Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am the co-signer of the loan and I believe the borrower has " tricked '' me into this private student loan obligation by misrepresentation mainly because of my XXXX and XXXX which resulted in bad financial decision. Since my XXXX and XXXX are worsening by every minute the borrower does not pay a single dime and deliberately avoid my calls and his obligation of this private student loan, I have wrote a letter to the student loan lender to ask for " co-signer release '' because of my medical condition. I have not received a response yet from the student loan lender but I highly doubt they would release a me since I pay each payment on time with a stable income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
During the past few years, CITI XXXX has reported a credit card that belongs to my roommate under my credit report. My roommate has called them & advised them that the credit card belongs to him. I also called them and advised them of the negative impact that it was having on my credit report. It was affecting my Debt to Income Ratio. That credit card was taken off my credit report. I was NEVER an additional card holder on that account either. Recently, they send new cards to my roommate including one card with my name. He called them and asked them to remove my name from the account. However, since then, because of the personal & business issues he has not been able to pay that credit card. This credit card is being reported under my credit report as delinquent as if I am responsible for the card payments. I want to understand under what authority CITI can report this misinformation that is negatively impacting me personally. This will be the third time they have done so. It seems that there are zero consequences for them and no one holds them accountable for any erroneous information reported. 
I attempted to call them. After being on the phone on hold for over 1 hour, I chose to file a complaint. It seems that filing a complaint has no consequences for 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 2019-02-05
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, My name is XXXX XXXX and I am currently mobilized with the XXXX XXXX. I'm updating my security clearance and a collection charge of {$950.00} dated XX/XX/18 shows in my credit reports. The agency handling the case is National Recovery located at XXXX XXXX XXXX, XXXX PA XXXX, PH # XXXX. Apparently is for dental services performed by XXXX XXXX located in XXXX XXXX XXXX XXXX in XXXX PA XXXX, PH # XXXX. There is no accuunt number. The issue is that I never in my life been in XXXX XXXX for any dental services. I contacted both XXXX and National recovery to resolve this problem. XXXX responded that they will take care of the problem. However, when I contacted National recovery to inform of the problem and have it corrected, the service was unprofessional. The lady who responded " do what you have to do '' on the phone, and hung up on me. She did not even give the chance to ask for her name and/or explain that due to my military status I was overseas and do not easily have access to a phone. So happens that my ship is stuck in port due to bad weather and I was able to get internet access to file this complain. 
As a military member, it is important that this error is corrected right away for my security clearance, therefore, I am requesting your assistance to get it resolved. I do not know when I will have access to a phone and/or the internet again, but my email address is XXXX. 

Your prompt help will be greatly appreciated XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage keeps calling me about 5 times a day to try and sell their home financing products. I am obtains a mortgage with a local credit union, I have told them this. I have asked them to stop twice already, and they have not stopped yet. They are harassing me at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and Transunion will not take this off my report.

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 2016-12-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have had my house on the market since XX/XX/XXXX, and listed with XXXX in XXXX, PA since XX/XX/XXXX. I was unable to make payments, and thus was suggested a short sale by my agent. My bank is Chase. The agent was awful and the branch supervisor had to take over the process. I had a qualified buyer with a loan secured in XX/XX/XXXX. The bank kept making excuses regarding approval of this sale, and the buyer lost their loan XX/XX/XXXX. They did receive an extension on loan from their bank to XX/XX/XXXX - only to be told it probably would not be approved for sale, after they said it was moved to closing - they withdrew. I now have had another offer - XXXX % cash offer with proof of payment and Chase XXXX will not allow this lady to make the purchase of home via short sale. This offer was verified XX/XX/XXXX and they said it might not be approved until XX/XX/XXXX. 
I am beyond frustrated and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
There is a collection that keeps showing up on my report literally every other day. Portfolio Recovery. I have attempted to contact them with no response. I have no open accounts or collections. All my debt was paid off earlier this year. This is not my account. It needs removed asap. They respond to no emails or calls. I've had no mail received. I'm assuming this account may belong to another person with my name. Again, it needs removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Rocket Mortgage, LLC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At XXXX on the morning of XX/XX/2018 Senior Sales Agent XXXX XXXX from Quicken Loans called me to inquire about information that I filled out online. Within 5 minutes, he proceeded to explain how he was going to help me today and without verifying my identity, gave me a full name, DOB and social security number of an individual whose information ... ... I could have easily written down and saved for myself to steal the identity of? He then repeatedly called me from his personal cell phone and other work numbers to try and pretend like it wasnt him so he could get me to tell him who I was, which Im sure personal cell phone use is against the company policy. He has been doing this for 15 years he says and I wonder how many identities have been stolen from XXXX XXXX. Seems like he is notorious for making his own policies. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX Inquired because someone is trying to use my credit

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 2022-03-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: BANK OF HAWAII CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried to close this account for a year. Their website does not allow me in even after reset of password and the bank doesn't send statements. I have asked for assistance many times and always the promise someone will call back to help with no return call. I have asked several times for the bank to close the account and send the balance which they promise to do but never do. The last time I called I was told I have to go to the branch XXXX miles away as the account is listed as inactive. I asked for a supervisor and was told they would call but alas they never follow up. They also cashed a check last XXXX which was over a year old even tho I was told that checks over 6 months old are invalid. I did get an email from the bank with a link to their website when I asked for a statement but alas it was a link to their Website which I can't access. unbelievably unresponsive bank. There is really something wrong with this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I received a text message from an unknown phone number ( XXXX ). The message infers that Chase Bank is contacting me to confirm if I made a {$450.00} purchase. The message directs me to " please click on the link below '' to resolve the matter. The link is http : XXXX I DO NOT HAVE A CHASE BANK ACCOUNT ( nor a Chase Bank credit card ). I did not click on the link because I dont know if it will expose my computer/phone device to malware. I am reporting this matter to CFPB because I was directed to this site from the FTC website. If this is not the correct agency for this matter, please forward the complaint to the correct agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Georgia Student Finance Authority
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:
I have repeatedly tried to get incorrect information taken off of my credit report. My credit report shows that my XXXX  loan was 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. This account was closed or transferred in XXXX therefore any reporting after that is inaccurate. The company will confirm this with me over the phone, but will not correct this issue with XXXX and will not send this to me in writing. I have made many repeated attempts to remedy this issue. This is greatly affecting my credit score and my ability to purchase a home.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I requested on XX/XX/2022 that the three credit buearus provide information on how they verfied certain items on my credit report that I feel to be inaccurate. They have to respond. It has been over 30 days.

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 2022-03-21
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 I reported that the hotel I was staying at kept my debit card ending in XXXX and that I was also was getting transactions posted to my email from XXXX that did not come from me. The rep asked me did I think it was XXXX I said it was possible because I kept getting emails about purchases. I looked through my phone and found out that they can just share your card information, across devices. I was unsure why this option was on, so I called in to report it. PNC only gave me XXXX $ after I reported it. They then illegally stole {$480.00} from my account after the card was closed. They did not handle my claim properly and saw it as an opportunity to steal from me.

Company response to consumer: Closed with explanation