BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I too k 6 h ours  of   XXXX    classes   XXXX    2014 and s hould have qualified for a deferment. My school participated in the clearinghouse and does not provide proof of attendance as this is supposed to be reported to the servicer electronically. Rather than giving me the benefit of the deferment, the loan servicer offered a modification and included capitalized interest and fees that would not have been due had the deferment been granted as required. As a result, these things were added to the total balance, and my credit report was negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Because of a lawsuit that my partner and I have, we asked for a cash advance. We were sent XXXX checks : XXXX in his name and XXXX in my name. The XXXX in my name was delivered to me, but the XXXX in his name was nothe had to go in person to get it. I took him to get it and he presented his ID, but according to them it wasnt valid. He showed his papers from the attorney who is helping with his XXXX case ( he lost all of his documents ), and he also showed them an income tax return with his Social Security Number, and they just told him that the money transfer was there and that it had been paid, but they werent going to give it to him. He asked if he could get it with a letter from the lawyer or a notarized letter from several witnesses, and they just told him not to waste his time. They closed my account because according to them they couldnt prove who he was. When we asked them why they didnt just transfer the money to the bank that issued it if they werent going to give it to us, they told us that eventually the money would be sent to our house, but that could take months or even years. I think that this shows a huge lack of respect, and it is abusive behavior toward a couple of people who are only claiming whats theirs. We have a critical situation involving a XXXX child.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a victim of JP Morgan Chase Credit Card Service fraudulent, erroneous, deceptive and misleading debt collection practice. Per the Consent order that JP Morgan Chase signed with the Consumer Financial Protection Bureau, I am requesting that chase remedy and remove all erroneous information from my credit file immediately and refund me the over {$6000.00} in payment that I erroneously paid to Chase. I have previously contacted Chase Credit Card Service to remove the fraudulent and erroneous credit card information from my credit file, however, Chase Credit Card Services has been constantly lying to me and telling that its information is correct even though Chase Credit Card Services knew that its record keeping information was false, misleading, erroneous and deceptive. This erroneous information by Chase Credit Card on my credit reporting is adversely affecting my ability in obtaining new credit and other negative implications. I am asking Chase to delete my entire credit file because it is erroneous and continues to adversely affect my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My bank failed to process an automated payment within their system to an internal loan and charged a late fee. A confirmation of the payment was provided and no failure of payment was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This firm calls me several times a day at work claiming I owe a debt that I have never even heard about. I requested a validation of debt in writing and requested they cease calling my place of employment. They continue to call and have not provided a validation of the debt.

Company response to consumer: Closed
Consumer complaint received 2016-06-06
Company: U.S. BANCORP
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am attempting to close my deceased brother 's checking account. 
I was told I needed to appear in one of their branches with the death certificate. I live in XXXX, the bank is centered in XXXX. I flew there and did as requested, but did not yet have testamentary letters appointing me the personal representative for the estate. The banker who helped me told me because it did not transfer to me on death I needed to come back to a branch in person with the testamentary letters when I obtained them. 
I have handled both my mother 's and brother 's estates. In every other case with a financial institution there was an option to handle this remotely. 
The fact that they want me to fly there again, rent a car, and visit a branch in person when I 've already done so once with the certified death certificate, and they took a copy of my government ID seems ridiculous to me. 
I have the testamentary letters now, but do n't understand why there is no option to handle this without a personal visit to one of their branches.

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 2016-07-14
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sued us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the first suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see cfpb complaints # XXXX against the second collection agency and # XXXX against 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 2016-07-20
Company: Selene Finance LP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow-up to complaint XXXX. I still have received no statement of my Selene account of any kind, or a monthly statement, or even a payment coupon. I began requesting these on XXXX XXXX, 2015. It appears I am still in foreclosure mode even though I signed their mortgage documents last XXXX. 
On XXXX XXXX, I did receive a notice of my next year of escrow, so they have my address. 
The notice informed me of an increase of {$120.00} in my mortgage payment beginning XXXX XXXX. Am I not entitled to more than a week of notice for such an increase in my monthly payment? 
It is quite clear now that Selene has a specific reason to not let me know the details of my account with them since XXXX sold it to them last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I dont know where this XXXX bill is coming from I have never had XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I want to freeze my child 's credit reporting files through all XXXX major credit reporting agencies. None of the agencies have documentation that is easy to find regarding this subject. While some states mandate this, others make is very difficult. Where can I get proper information about how to accomplish this freeze - and why is this not the default behavior for children who are n't legally old enough to access their credit report in the first place?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have attached the account I was only a authorized user on this account have have been removed off this account since 2009 and it has been requested to be removed off my account this belongs to my ex husband please remove contact XXXX I am not on this account and havent been for years please correct

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We pulled our credit report today and sa w Portfolio Recovery excessively pulled my credit report. A collection agency may only pull the credit one time a month. Portfolio recovery pulled my credit 6 time s in  XXXX    XXXX   sometimes just days apart damaging my credit. There have been other months they have pulled my credit more than once.     There have been harrassing phone calls to myself and wife for years sometimes multiple times a day despite us telling them to cease. They have called us during work hours on our cells phones causing problems and embarrassment at our places of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, After reviewing this document XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.

Company response to consumer: Closed
Consumer complaint received 2015-06-02
Company: EOS Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
EOS CCA has flagged my credit report and everything that i have researched calls this company a SCAM.my account with them they claim is closed so why is it still on my credit report? I do n't feel i should pay this collection agency if it 's closed and has been well over XXXX yrs old if the original company closed the account and i ca n't find who the original company is for verification.i truely believe this company is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.

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 2016-03-05
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account # XXXX XXXX XXXX XXXX. & XXXX has incorrectly billed me for over {$2000.00} ; I do n't owe this debt. I have uploaded a copy of the correct billing statement.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-09-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have never been late on my credit card payment. I did not receive any documents and sure would not have been late on {$6.00} The rest is service charge for late payment. I received no statement for this purchase and have never been late paying.

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 2016-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX late payment is showing up on my report, Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the FCRA never verify any information and now refusing to delete late payment.

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 2017-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. Also attempted to contact XXXX, XXXX, and XXXX, and XXXX XXXX. Per the address listed on my credit report and the letter got returned. I sent it to the bureaus, and they ignored it. Please help if you can thank you.

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 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed to Transunion about wrong information in my credit report, But I did n't receive feedback from 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 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion has refused to provide either the required free credit report or to provide even after I paid online for the report. Phone calls are routed to a call center in another country and they simple will hang up or transfer you back to another person in the same call center.

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 2019-02-01
Company: Experian Information Solutions 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:
XXXX, Experian and XXXX are reporting that I have inquiries on my report that I have no knowledge of.

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 2016-06-30
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Being sued for non-payment of a private loan, but do not have any records of taking out a private loan. Was not notified of any collection until the lawsuit and now wages have been garnished. Looking for documentation to verify original lender and what date the loan was issued, amount of debt actually owed, and when last ( if any ) payment was made toward this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This bank is difficult to get updates. I just called and they told me they could not give me any updates except that the file was in XXXX. I message the negotiator everyday in XXXX and do n't get a response for 2 weeks. My client is getting stressed out an the buyer is anxious. We have a signed atp and I am not sure what is taking so long.

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 2015-11-13
Company: AES/PHEAA
State: ME
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:
My son was accepted into the XXXX XXXX of XXXX XXXX XX/XX/2009. While having visited the school, we were asked to fill out paper work and loan information. Unknowingly, I co-signed for a private loan for my son. We have since found out this is a predatory on be half of the school and should not have been. My son is now {$22000.00} in debt with the private loan alone and another {$22000.00} in debt through XXXX XXXX ( XXXX ). 
I would like this complaint to be two fold. 1 ) We would like to file the complaint about XXXX XXXX in their acquiring loans that that were deceptive and predatory2 ) And about the XXXX XXXX in it self. My son ended up having a health issue that he was asked to leave class because of the health issue that the school never compensated him for loss class time. What action can we take on his behalf? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent several requests to Equifax to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Waiting for each agent to respone to my complaintXXXX experian XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion removed all my inquiries and then added them right back without 5 days notice which is the law on putting items removed back on the report. Also removed my negative accounts and collections then added them back also without the 5 days prior notice. With this being done it dropped my score significantly. I 'm not the only one this has happen to.

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 2016-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
IRS removed some federal tax liens ( from the XXXX County Clerks office ) that do not exist there and are not public record since they do n't exist. Transunion continues to list it as public record in 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