BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: CURO Intermediate Holdings
State: TX
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX SPEEDYCASH COM XXXX TX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In  XXXX  2010 I  was enrolled in   XXXX    College  for a   XXXX   XXXX   XXXX  . I was pulled out of class and asked when will I have a job to repay. The cost was  XXXX . Undoubtable I was promised a great paying career only to make  XXXX  out of school .I know now that this was a for profit school. I never needed schooling to get a license to become a   XXXX   XXXX  . It costs about {$78.00} to apply for the license in Missouri. I have been haunted by this mistake for seven years. The program in place to help   XXXX   students does n't help me being as it only covers  XXXX   2010  students. I deserve the same forgiveness as those other victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Submitted a XXXX application on XX/XX/22 with Pentagon Federal Credit Union loan officer XXXX De XXXX, NMLS # XXXX. Secured a rate lock of 60 days. All our paperwork was submitted by XX/XX/22 as confirmed by XXXX De XXXX via email. Pentagon has dragged their feet on a simple refi with customers who both have outstanding credit. No issues whatsoever to holdup this refi. When XXXX XXXX, our loan representative could not accomplish anything to complete the process we stepped in to finish the job. The ONLY problem XXXX told us we were having was our XXXX XXXX XXXX dues which are paid yearly, the moment the bill arrives. Our POA went out of their way to submit the forms necessary to secure our closing date of XX/XX/XXXX. XX/XX/XXXX came and went and nothing was done to close on our loan. On XX/XX/XXXX XXXX pm, XXXX calls us and says we are going to need to bring another {$9000.00} to {$10000.00} to closing. Alarmed by this increase I ask him to send me the backup paperwork on this drastic ( doubled ) change in fees. He fails to send the paperwork and instead the original loan officer, XXXX De XXXX, sends a new Rate Lock on XX/XX/22 at XXXX pm for us to sign that extends our rate lock by 1 day but now includes points that need to be paid. Points were not on the original lock in agreement of XX/XX/22. I do not believe they are going to get this process done by XX/XX/22 which is our rate lock expiration. We have reached out to XXXX XXXX, XXXX supervisor, on numerous occasions to remedy this situation with no reply from him.

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 2021-11-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am a victim of identity theft. I contacted the debt collector IC System and disputed the alleged debt pursuant to the FDCPA and FCRA. As of this complaint I have not received any proof or validation of this alleged debt. I did NOT incur this debt. I am attaching my identity theft notice/report from the FTC in an effort to have this item removed from my credit 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 2021-11-17
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone using some of my personal information and related information was able to open a checking account and have checks issued. The reason we found out is that the checks were shipped to my home. Whoever opened the account used my name and the hypentated name of my ex-wife. I called the bank ( TD Bank ) and they told me that the matter would be investigated and the account closed if found to be fradulent. They did not provide me with any additional information nor any assurance that there would be cover for any financial loss. In adition, they advised that contacting any government agency or law enforcement would be pointless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: AES/PHEAA
State: FL
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:
I 'm having a problem with AES, whom holds my student loans. The problems are the following ; 1. I have not received statements via mail nor email from the company. I 'm currently signed up to receive electronic statements and have not received them in my inbox nor spam. I 'm requesting the following delinquencies removed from the credit bureau report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. <P/>2. There are 3 loans held by the lender, all with different due dates during the month. Three months ago I requested a due date change to the XXXX of the month for all three loans. The lender has yet tp respond to the request. The request was submitted twice via the online system and once with a representative. Each time they indicate it takes 15 days to process the request. They have intentionally made the due date varying days during the month to confuse me and collect additional late fees on the loan. <P/>For example, the month of XXXX reported an amount due of approx. {$600.00}. XX/XX/XXXX I paid {$200.00} to bring the amount due to Approx {$400.00}. Two days later is had increased the amount due back to {$600.00}. I paid another {$220.00}  on XX/XX/XXXX. XX/XX/XXXX the account was back up to {$600.00} due, I paid {$490.00}, followed by two payments of {$140.00} and {$34.00} on XX/XX/XXXX. In total, I paid {$1100.00}. My monthly payments total {$320.00}. The representative was unable to explain where my money went and why the payments were not reflective of the balance due. I have been unjustly charged late fees and additional payments. <P/>I request an audit of the lending practices with payment due date, payments applied to accounts. It appears my monies paid were not applied to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: TX
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 am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check for {$5000.00} on XX/XX/2017. It cleared my other bank on XX/XX/2017. Bank of America, however, sat on my funds for seven business days because they claimed that " check specific information '' indicated it was not collectible. This was a major inconvenience to me. I would like to know exactly what " check-specific information '' told them it was uncollectable under the Expedited Funds Availability Act. I await their response.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX credit acceptance, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-02-17
Company: Experian Information Solutions Inc.
State: TX
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:
Experian does not follow FCRA LAWS. They do not provide reasonable investigations. 
They are recorded saying that they dont conduct investigations. 
My complain is SPECIFIC. 
Experian needs to review everything I submit and provide an investigation and make a decision

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 2021-03-31
Company: HW Holding, Inc
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I been affected by XXXX I loose my job and couldn't keep paying for an apartment XXXX XXXX send my info to the credit bureaus and don't want to assist me to lower my payments on that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Firstsource Business Process Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved a bill from the collection agency on XXXX-18. After recieving the bill for the amount owed. I responded to the collection agency with a verification of debt letter. Soon after, I recieved another letter from the collection agency asking me to settle the amount for lesser than what is owed. The collection agency has yet to validate the debt, nor have they responded to my request. Due to the fact that the debt is not validated, I request that the CFPB have it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit file was FROZEN with TransUnion, however an unauthorized request for credit got through the FREEZE. TU confirmed the FREEZE was ACTIVE when the report was pulled. Their defense was that in certain instances ( and they went over the list with me on the phone ), certain agencies can get through. However, the company that got through the FREEZE did not fall in any of those categories and was a straight request for credit from a retailer. This is NOT supposed to happen. If it does, it would render the freezing feature useless.

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 2018-03-21
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a collection notice from Linebarger Goggan Blair & Sampson for {$18.00} for License # XXXX. Their office confirmed that this is for tolls incurred in XXXX via Florida 's XXXX XXXX. In the time I have owned this vehicle and had this license plate, it has never been near XXXX. The office is uncooperative and unwilling to adjust the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: JPMORGAN CHASE & CO.
State: FL
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:
Transaction took place with JPMorgan Chase XXXX, XXXX XXXX, XX/XX/XXXX I have several accounts with JPMorgan Chase, XXXX credit, master credit card, saving, and checking and I am a customer since XXXX. Never seemed to encounter a problem with this bank... .. till now!! I disputed a charge of {$3000.00} from-to XXXX XXXX XXXX XXXX. The contractor was very dishonest not truthful and did terrible work. I contacted chase XXXX and advised of my problem with this company, chase XXXX credited me the full amount of {$3000.00} back to my visa credit card in XXXX of XXXX. Never advised this credit could be reversed, however, I still monitored my accounts on a regular basis and there was no indication or information of a problem showing on my accounts. I also did not get an email to alert me of a problem on my XXXX  account. I then received a letter in XX/XX/XXXX requesting to fill out a form to continue with the dispute. The letter advised to have the form completed and mailed back between " XXXX '', I never received this letter " till after the due date ''! I immediately contacted visa and was advised as they did not receive the completion of the form requested in time the credit was reversed and the case will " never '' be reopened again!! Never the less after receiving the mail XXXX day late after the due date I send in all prove immediately to show this was a dishonest XXXX and hoped this case was going to be reviewed again. I spoke with supervisors and representatives throughout the month of XXXX and XX/XX/XXXX to prove my case was allegement. At XXXX point of time it actually looked like something was done but then I received a letter this case is closed and the credit will never be reversed. I never was told why this dishonest company was given the credit. Chase never gave me a reason why this decision was made, never send me the information this dishonest company gave them. It looks like chase visa reversed the credit only not having received the documents in time. Read some complaints about chase and I am not the only one not received the mail from chase in time in XX/XX/XXXX. I am XXXX yrs. disabled living alone and was taken advantage off by this company and I want justice done by chase HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Lending Club Corp
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Took out a personal loan inXX/XX/XXXX this was to be a 60 month loan. On XX/XX/XXXX I went to the Lending Club payoff site to get a payoff quote. The quote was XXXX. I sent a text to the Lending Club this same day asking them not to process the auto pay due on the XX/XX/XXXX as I would be paying this debt in full on the XX/XX/XXXX. I could not pay it on the XX/XX/XXXXbecause it was XXXX XXXX and my bank was closed.So I made this payment on the the XX/XX/XXXX and was sent a thank you for your payment letter. After taking my payment then I was sent a letter stating that my payment was not the full payment. I then phoned The Lending Club to inquire about the discrepancy in payment resolution and was told that there website did not contain the correct quote as the Web site was assuming the auto payment. I felt intimidated in this conversation and offered to pay them in installments which they refused. I ended the call and decided to advice as I felt like I was being bullied into paying a debt that was not fair or owed by me. I was advised to request a dispute which I did and after a lot of haggling was told I would be granted. On XX/XX/XXXX was sent email stating they concluded that I still owed them $ XXXXthey have since increased it to {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 non-monetary relief
Consumer complaint received 2019-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Since circa XX/XX/2019, I have {$21000.00} in a ROTH IRA account that are essentially locked away from me. I can't access my funds, I can't allocate funds, and I can't withdraw or rollover funds. The issue seems to be technical in nature, but nobody involved can give me a satisfactory solution ( which would be access to my money ). 
I would like to have access to my funds in my ROTH IRA account, which is currently sitting as cash, so that I can allocate investments for my retirement planning. 

Contacts involved with my issue : XXXX, 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 2020-07-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Specialized loan servicing ( SLS ) bought our line of equity account. We paid the account off XXXX XXXX. We've received 2 additional monthly statements showing XXXX  balance and the wording " If your loan does not have an outstanding balance, please disregard this notice. '' While checking to find out why the statements continue I called SLS on XX/XX/XXXX XXXX, spoke to " XXXX '' teller id XXXX, who informed me that I need to request a payoff statement ( that will cost {$25.00} ) and additionally because we didn't request this two months ago additional costs will be added. We never received instructions about requesting the payoff statement and never was informed why we now owe an additional {$8.00}. I requested many times to talk to a supervisor but XXXX informed me on XX/XX/XXXX that no supervisors wanted to talk to me. Therefore I do not believe SLS will work with me to resolve this issue.

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