BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
While using Navient our payments show as being split across multiple loans. The split appeared to be mostly even ( $ XXXX {$35.00} to each loan ) however upon digging we found that for the smaller loans they would only apply {$1.00} to it. This effectively makes a {$100.00} loan go from 4 or 5 payment cycles to XXXX. We have also found that we were never notified of a deadline to resubmit our financial status by to ensure low payments but would receive a notice about how they reevaluated and what our new payment would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called last year in XXXX to try to lower my payments. I was told that they couldnt lower my payments. They offered me {$15.00} cheaper but my interest rate would be higher and it will add 2 more years to pay it off. I told them that it was too high and that is insane to pay {$15.00} less and have 2 more years added to pay that off so I stuck with the higher payment but shorter year. I also told them I was in school so do I get a forebearance because of it. They said no. I felt like no one tried to help and they were going to make me pay no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: ProCollect, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Apartment Complex termination of lease. I had to move out due to a job offer in a different state. I have a signed Lease Contract Addendum stating that I will not get charge early termination fees or other fees and that I agree to pay {$2100.00} at a set payment. However, the apartment complex charged me early termination fees and other fees that apply and now I have a bill for {$6600.00} dollars which was sent to a collection agency back in 2009. I 've been trying to get the collection company to call me so they can correct the amount trying to be collected, I have called the apartment complex and they said they no longer work with that collection company and that the manager that was working there at the time is no longer there. They pulled the account and they said I was getting charged fees for early termination and others, however it is no longer their account and I need to deal with the collection company. They are hurting my credit report and I can not buy a house because I can not settle the account with the proper amount and start payments. 

They are reporting {$6600.00} Correct amount {$2100.00} I have a document stating that with signatures.

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 2022-04-14
Company: Associated Credit Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX an unknown person attempted to open two accounts with XXXXXXXX XXXX  XXXX under my name with my former work address, delaying their delivery to me. XXXX XXXX XXXX flagged the accounts as identity theft and immediately shut the account. The accounts were never active. 

In XXXX of XXXX I received a collection letter from Associated Credit Services , Inc. stating I had an amount owed on one of the accounts that was never active. I contacted XXXX ( formerly XXXX XXXX XXXX ) regarding notice. They informed me that the notices was bogus, and that I did not have any outstanding debt and that these accounts have remained closed. They suggested I ignore the notice and not contact the company as it was probably not a legitimate company. 

Attached are the correspondence from XXXX XXXX XXXX and Associated Credit Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter via certified mail that they received on XX/XX/2022. This company has failed to validate my debt. please delete this from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to refinance our home. My credit has a freeze on it that I placed myself. I was unable to lift my credit freeze with Equifax. The online message said to call a phone number that no none answered. I tried this several times over the past 2 weeks and each time I was on hold well over an hour. 

I am looking for help getting in touch with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize credit inquiries made by this company

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 2016-11-15
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from a collection agency called Choice Recovery. I called and let them know that my insurance company is a contracted provider with the company they are collecting for and that my insurance company had paid and I was n't responsible for the {$890.00} amount they were collecting. 
I was told that they have to rebill my insurance company but that I may still be liable. I tried to explain that they are n't allowed to try to collect on a claim that was paid or denied through a participating insurance company as I had {$0.00} responsibility listed on my EOB. 
I called again this morning and let them know that I was going to follow up with my HR department and insurance company as they were n't following guidelines by threatening to send me to collections if I did n't respond within 30 days to their letter. I spoke with XXXX XXXX who told me that it did n't matter what my insurance company stated I owed them. 
I feel that this is a scare tactic and is an illegitimate way to collect money that is not owed to them. I wonder how many elderly or less informed consumers have paid them monies that they are not owed.

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
Consumer complaint received 2017-01-29
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my Morgage company ( XXXX ) changed service company to Roundpoint morgage services company. The electronics payments still went to the former service agent for three payments. XXXX and there agent were listing me as default, and charging me late fees and threatening foreclosure. I worked with my Bank, proved that all the payments were made after 7 phone calls and two years with promises to correct this, and the fact the the prior servicing agent sent two of the three payments to Roundpoint, and the fact that I have reconciled receipts, they are still charging me late fees, and not crediting the third 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 2015-07-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXXThese accounts need to be removed asap I have filed police and ftc reports regarding this issue. Police ReportXXXX Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00}

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 2016-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has placed an erroneous collection ( s ) on my credit file involution of the FCRA and XXXX identified as XXXX REPORTED ON XXXX XXXX, 2016 OPENED XXXX XXXX, 2016 with no account number nor a point of contact for this debt. THIS IS NOT MY ACCOUNT AND I DEMAND THAT IS REMOVED! 
I believe this is a form of retaliation for filing my complaint ( s ) with the Bureau of Consumer Financial Protection. I have incurred damages from the constants negligence from denial of credit and having to pay for fraud protection from a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The creditor XXXX XXXX of XXXX XXXX is reporting to my credit as an inquiry. I have spoken with XXXX the finance manager at XXXX. I also spoke with XXXX, she is a XXXX representative in special handling. I have written XXXX approximately three times regarding the same issue. XXXX expressed that he does not have me in their system at all. However, XXXX is telling me that I need a Letter of Deletion from the very creditor who has expressed that they need a letter from XXXX. Meanwhile, my credit standing hangs in the balance. I simply want the inquiry removed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: ProCollect, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I was robbed at gunpoint while at college in an apartment that I was placed in with other occupants based on profiles we each filled out. The apartment employee, XXXX, placed me with XXXX people he had wrestled with in a room that was down the hall from my friends. We each had our own bedroom/bathroom that locked in each apartment. The kitche/familyroom & washer/dryer were common areas that were shared by all. The XXXX gunmen that entered the apartment were looking there for another tenant that XXXX wrestled with and knew. This roommate had been in drug treatment facility and was a known drug dealer. I had just meet these people & had only known them for 3 weeks. My wallet was taken, my laptop, my new iphone 5 & games from my room. They locked us in a bathroom and left. We waited and then all went to other friends apartments and called police. Nothing was recovered, the police investigator said the XXXX gunmen were XXXX and they would not prosecute because they would just get out. We had pictures of them from cameras outside our entry door. The apartments kicked the XXXX guy out because it was his fault. They offered to move me and the other roommate to another apartment if I wanted to. I was scared and said I would rather go home. I arranged through the Dean at school to finish my classes at home. The apartments fired the lady over operations at the facility and a few other people because of all the problems with issues on property. The gate was never closed, doors left open & not secured, fights, etc. Police were on property XXXX times the XXXX weekend I was there. XXXX XXXX from the apartments corporate office in Indiana said that was okay and I left by XXXX XXXX, 2014. No one ever sent me anything, nor did they tell me I would owe anything. I did not receive anything until the end of XXXX 2014. My attorney sent them a letter and they said they would take care of it. Now, I start getting calls from a collection agency??? I have ask them to contact my attorney and given them his information several times. They continue to call. They have been very rude to my mother and even cussed on the phone, which we have recorded on our answering machine that was recording the conversation. The males who have called were nice, took the information but then we were disconnected. The females ( all but XXXX & there have been several ) are extremely rude, have cursed & are not professional at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I submitted an overpayment of {$4600.00} to Chase MileagePlus due to a BillPay error. The overpayment posted on XXXX XXXX 2015. Subsequent to the overpayment, I contacted the Customer Service number associated with Chase MileagePlus on XXXX XXXX and asked that the credit on the account be refunded to me. On XXXX XXXX, Chase MileagePlus issued a check to arrive within 7 - 10 business days. After 5 business days had elapsed, I contacted Chase to determine the status of my return of excess funds. I was told to wait the full XXXX business days before contacting Chase again. On XXXX XXXX, I contacted Chase MileagePlus Customer Care again to determine the status of the refund check. At this point, the Chase Customer Service representative I spoke with advised me that the check should have arrived within a few days of issue due to the proximity between their check printing office in the XXXX and XXXX. The Chase representative advised me that a Stop Payment should be placed on the check and the refund could then be processed via EFT within a couple of business days. On XXXX XXXX, I contacted Chase Payment Services to determine the status of the Stop Payment and was told that it would take 7-10 business days for the Stop Payment to be processed before a XXXX refund check could be issued. I advised the Chase Customer Care staff that this is unacceptable and asked what other solutions existed. The account manager XXXX XXXX advised me that no other solutions were available despite being advised of the conflicting guidance of multiple customer service representatives I spoke with. As I am sure the CFPB is aware, JP Morgan Chase has multiple options at its disposal to rectify this situation, which it is choosing not to deploy despite taking in excess of 30 days to refund a {$4000.00} overpayment. Most Americans would not be able to juggle such a balance in transit without considerable cost and hardship. This type of behavior is unacceptable on a number of different levels for customers who are attempting to maintain clean, solid credit histories and are asked to provide payments on-time regardless of mail service issues. Yet, credit card companies such as Chase do not hold themselves to these same standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I ordered two XXXX XXXX '' XXXX XXXX Laptops from the merchant XXXX, these two laptops were intended to be a secondary work laptop and an educational laptop for my little sister for her school. It was shipped via XXXX carrier, and a signature was required for receipt of delivery. As I opted for next-day delivery, it was scheduled to arrive on XX/XX/XXXX, and knowing it needed a signature for receipt, I had planned to be home all day. XX/XX/XXXX rolls by, the carrier never showed up on my home and my package was marked delivered and signed by a signature " XXXX XXXX ''. Tracking showed it being delivered at XXXX on XX/XX/21, however, upon checking the security cameras on the front of my home and yard, no delivery person or even any vehicle passed by my house or stopped in front of my house around that time. 

I waited until the next day to contact the merchant as it may have just been a mistake, after chatting and explaining to the agent what happened. They simply said " XXXX you please contact your bank and dispute your charges ''. After explaining I have proof the delivery never even happened to the correct address, they just kept insisting to just dispute my charge with my bank. So I went ahead and did just that. Once I called Capital One to submit my claim/dispute my charge, I told them additionally that I have screenshots of the conversation with the live agent that they were instructing me to dispute my charges with my bank. I don't remember what the agent said, but if I recall correctly that they were going to send me a link to upload my evidence, but I never received that link. 

A month goes by and Capital One sided with the merchant, despite me having proof via my cameras that no delivery occurred when it was marked as delivered on the tracking and with XXXX 's own customer service agent telling me to dispute the charges with my bank for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint mortgage managed property taxes collected at my XXXX XXXX 2016 closing and were advised a Veterans ' property tax waiver was awaiting the XXXX XXXX XXXX XXXX approval. The requested approval documentation was provided Roundpoint so the escrow analysis could begin. Weeks passed but no analysis was done. Per GH Twp, Roundpoint paid the summer taxes XXXX XXXX, 2016 instead of returning the funds to me, per the law. The emails I have demonstrate the lack of cooperation I 've received which included their designated ombudsman. I want Roundpoin to refund the property taxes they managed, returned to me ; I should not penalized ( XXXX60 day for return of funds ) for their errors, these funds should come from Rounpoint directly ... they can wait for the return.

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 2021-08-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I tried talking with this company but seem like I didn't get anywhere with them XXXX XXXX XXXX XXXX XXXX did a foreclosure in XX/XX/XXXX and foreclosure sale in XXXX of XXXX and filed eviction in XXXX XXXX on a Texas home equity home loan line of credit contract. This has my mother and stepfather is named forged on this contract the original loan was paid off XX/XX/XXXX of XXXX the loan servicer was XXXX XXXX XXXX  when the mortgage was paid off and full and satisfied I have been fighting with them for 7 years and they are breaking the law and the rules and regulations and I got a paper a a certificate of facts from the secretary of the state that shows they don't have no information of them doing any type of business here in Texas. This problem has caused me pain and suffering because they have stowed money and they're trying to steal the property and this is way above {>= $1,000,000} issue so I hope this problem to be solved and I will send a copy of the certificate of fact or any other documents that I can attach to this because they are criminals and his property I have the paperwork that shows proof that this property has been paid off everything has been filed and recorded the County recording office also have the release of XXXXien of the property that shows my parents are the rightful owners of this property and there is no mortgage on this property the due to the fraud and the forge that has been going on for 7 years now since I've been dealing with this company or these Crooks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Eagle Accounts Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX garnished Consumer 's wages via CSE Agency.

Consumer disputed CSE 's alleged debt in XX/XX/XXXXby way of affidavit and fee schedule. CSE Agency have not answered at all, CSE attempted to collect this alleged debt again in XXXX, ( See Exhibit 2 ) I disputed their alleged debt under 15 USC 1692g, XXXX XXXX XXXX garnished my wages due to communication with CSE Agency indirectly without Consumer 's consent.

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