BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: ALLY FINANCIAL INC.
State: SC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Following Ally Bank 's instructions from a phone call, I downloaded and completed their PDF form to add my wife as an account owner to XXXX savings accounts. Following the form 's instructions, I submitted it to Ally Bank 's online Secure Messaging system on XXXX XXXX. There was no change to the ownership status on XXXX XXXX, so I submitted reply to the original Secure Message. Ally 's reply on XXXX XXXX was to provide them with already-submitted account information in the form of account numbers. I provided this on XXXX XXXX. Ally then told me to submit paperwork, neglecting to see the original PDF submission. On XXXX XXXX, I replied to have them check their original records because they have this already on file. 

This is the second instance of Ally " losing '' forms that they give instructions to submit online via their Secure Messaging format. I do this because I prefer to send documentation that is encrypted with my username and password rather than fax. Secure Messages leave a paper trail. My first trouble with this was when I was trying to add my wife to a checking account. This second time shows an utter ignorance of this Secure Messaging platform they set up and suggest we use. 

It has now been over two months and my wife still does not see the savings accounts I wanted to join us as newlyweds.

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 2020-03-19
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Cash Net USA claims they made a loan to me and deposited to my XXXX XXXX. I never got the money on my bank which is XXXX  XXXX XXXX. Any way they have been trying to withdraw the money last week every single day and for the reason XXXX  XXXX XXXX cancel my card. I told this people to send me proof of debt verification but they haven provided and they been calling me like 3 times a day to my cellphone and including my employer number. They haven provided proof of debt verification where they have 30 days to do so because I told them I am disputing such debt. I never got such money on my XXXX XXXX bank. They have fail. I told them via text message and phone to Stop all communications and to communicate to via email to the address they have on file. They have fail. So I want you to contact them and tell to stop and XXXX   balance otherwise you may impose a fine for violating consumer laws which as debt protection laws and other regulations enforced by the Federal Government. Thank You. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted Transunion and XXXX regarding to let them know that my XXXX account has been completely removed from my credit report. This is an account that was paid on time for over one year, and each payment was reported by the utility company. When the account was removed from those credit report agencies my credit score dropped about XXXXpoints, so I called both of them to ask why this happened. They told me to call the gas company and find out what happened. I called the gas company and they told me to call the credit bureau because they never asked for anything to be removed from my credit report. This has never happened to me before, and it has affected my ability to obtain a new apartment because of the drop in my credit score. I would like to know what I can do about this.

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 2020-04-20
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have mortgage with PHH Mortgage, was taken over by XXXX but still serviced by PHh Morgtage..Every since they have taken over, things have been very hard to get in touch with these people. 

I Was approved for trial modification on mortgage XX/XX/2020. Payments were to be started XX/XX/2020. with XXXX, XXXX XXXX of such payments of {$720.00}. I have sent XXXX payment dated XX/XX/XXXX they received and XXXX was XX/XX/XXXX they received. But received a monthly statment that says XXXX was not received or applied correctly. As of today XX/XX/XXXXI get a letter from mortgage saying intent to foreclose has been accelerated! I have tried to call, ,sent emails, no one every replies from this company since it was sold to another lender. I am doing my part to save my home, I did what was asked back in XXXX and the account was approved for trial mod then they are suppose to after all 3 payments were sent in, then they make " new loan '' permanent. I feel like they are not holding up there end and are forcing me to lose my home and this can not be legal what they are doing or one department doesn't know what the other department is doing! Make this company reply to emails. I can't even get into my account as they have me locked out. Whole thing is very ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My insurance is XXXX. They have a doctor on my credit report which was a referer from the military. 
You can not just go to a doctor they put in the wrong code at the doctors office. I have contact them for this matter. However it is now on my credit report as unpaid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
RE : Equifax I was denied service from XXXX because they ca n't establish my identity thru Equifax. When I tried online at Equifax they ca n't find a file on me even with driver 's license number. I have not had an auto loan since XX/XX/1970 and my house mortgage has been paid off over 20 years ago, although I do have at least XXXX active credit cards. Also have an account with electric company and cable company and accounts at XXXX local banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX XXXX University offered me a No payments no interest loan for the balance of my tuition after I graduated I was told that I would n't have to pay every month but I should pay some every once in awhile there was no minimum fee and no minimum payment after a year I found out it was put to collections. once I found out it was in collections imediately negotiated a prompt settlement for {$2000.00} that was due by XXXX XXXX I completed payment of {$2000.00} on XXXX XXXX 2015 on the basis that XXXX release my degree and all documentation between XXXX and myself be submitted to me as well. after a few months I had not received anything and then I got a letter in the mail from XXXX saying I should use my tax refund to pay off my remaining balance of XXXX dollars. I immediately called and asked what had happened they told me I had not made payment in the proper amount of time. so I ask to speak to a manager and that I was told they would return my call within XXXX hours I have since call the XXXX more times are over the course of XXXX weeks without so much as a return phone call or have spoken to a manager. I did everything general revenue corporation asked, I have a recorded phone conversation of them stating the {$2000.00} balance that I would pay and the subsequent payment information I am a XXXX I also have bank statements proving I paid the {$2000.00} and my account still has not been closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: National Credit Systems,Inc.
State: TX
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 company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PHH Mortgage Services is attempting to collect {$6000.00} in fees and assessed expenses with my mortgage statement. I am currently behind two months of mortgage payment for a total amount of {$5400.00}. They are refusing to accepted what is owed of {$5400.00} in back mortgage. Attached you will find a current mortgage for the month of XX/XX/2020 an it will reflect they are demanding the penalty fees and assessed mortgage in one payment. A mortgage lender is not allowed to demand penalties, fees or assessed fees when asking for back mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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 have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be corrected under the provisions of the Fair Credit Reporting Act : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}

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 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage remodification was approved XXXX yrs ago. initially when I signed the contract there was an error in the document and months later they called me in to resign it for the XXXX time. now XXXX yrs later they told me I need to resign it again. which I did for the XXXX time. I was told in writing by XXXX XXXX if I did n't sign it they would not let me make any more pre payments to my sub loan. ( this is in my contract that I can make any prepayments with no penalty ) .so I would n't have any problems later, I signed this for the XXXX time. they also brought me a paper to sign to get an EIN # I am XXXX yrs old and do n't know why I would need this but I signed it anyway. I was also told in writing that I would receive a check for {$500.00} for my trouble which I never got. Now they are calling my home everyday asking me to do it again for the XXXX time. the bank calls my house everyday they went as far as to send a representative here last week with the same paperwork again which he left with my XXXX yr old grandson who said the representative took pictures of the front of my home. this is ridiculous I refused to be upset with this anymore and in turn the bank has now blocked my access to my online mortgage payment option. when I press to make a payment on my loan the screen reads that I am not able to use mortgage pay on the web at this time and gives me a phone # to call. when I call the number they tell me that I have to speak to my acct manager and I am sent to voice mail. this is a lot of aggravation for someone my age. in addition since the modification has been in effect in 2013 I have never missed a payment or been late and each month for at least a year I have been paying XXXX months at a time. I feel this is harassment and I would appreciate any help or advice you can offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Bureau of Accounts Control
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen in XXXX and paid all co-pays told were due at the time of service. I did not receive a bill from XXXX XXXX XXXX until XX/XX/XXXX. I submitted check XXXX on XX/XX/XXXX, it cleared my bank XX/XX/XXXX. I received messages from Bureau of Accounts Control on XX/XX/XXXX ( Letter dated XX/XX/XXXX ). My wife called them XX/XX/XXXX to explain that the debt had already been paid by check and the check cleared the bank. The agent told my wife that would be no problem and we would only hear back if XXXX XXXX XXXX disagreed. Nothing was said to us until they called today to say that we still owed the money. The debt has been settled nearly 2 months now and the calls are harassment. Please order a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute with XXXX for a company in XX/XX/XXXX. After XXXX investigated they informed me it was accurate and they updated my credit report to show I opened the acct in XX/XX/XXXX of this year. The collection agency is collecting for XXXX who I currently have service with and when I contacted XXXX they informed me that their system is not showing them an account being opened with them in XX/XX/XXXX with a Balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: AES/PHEAA
State: NY
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 n 2010, my federal loans were transferred to FedLoan servicing with the specific purpose of being placed on Public Service Loan Forgiveness. I was placed on the wrong re-payment plan which made my payments toward Public Service loan forgiveness ineligible. At no time was I informed which repayment plan I was enrolled in or told which repayment plan I needed to remain in compliance with as part of the program. By the time the issue was corrected a nd was placed on the correct plan, I lost 3 years of eligible payments, even though I have made every single payment consecutively and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed immediately.

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 2022-08-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX XXXX dollars was withdrawn from my account I called immediately. I gave the bank countless proof of screenshots emails between the merchant and I and the merchant denies ever receiving the funds. chase bank over and over denies my claim and I have not received the money that is suppose to be protected by my bank. Under the electronic transfer act I am only liable for XXXX $ due to the fact I DID in fact call the bank to report these charges with in the two day limit. It has been over 2 months now and no resolution has been made. It is not right that my last resort would be getting a lawyer, but if needed I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Spring Oaks Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection account that I've been reaching out to numerous times about relief and they were still billing me. I told them due to covid 19 hardship I lost my job and everything, I won't be able to make the payments. They ignored me and kept adding on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, My Chase Sapphire XXXX card has a baggage delay benefit where you get reimbursed $ XXXX per day the baggage is delayed. I have provided all required documentation, but Card Benefit Services, which administers this benefit says the delivery confirmation the airline provided me isn't valid. All the airline ( XXXX ) was able to provide me was a confirmation that said my bag was delivered after 96 hours, however, this should still work in that it provides time frame in which the bag was delivered. Also, with how crazy airline customer service lines are this summer, this is likely the best I'm going to get from the airline. 

I provided all documentation as of XX/XX/XXXX, have called XXXX XXXX XXXX  twice since then, and then on XX/XX/16, they called me to tell me the airline 's delivery confirmation wasn't good enough to use. 

I am very frustrated since why do I pay for this credit card if the benefits are impossible to use?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19
Company: AMERICAN EXPRESS COMPANY
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:
Hello, I hope all is well in the midst of all of the chaos we are currently experiencing all over the world. 

In an effort to protect myself and loved ones, I wanted to make sure my finances were in order, to make sure my family and I are prepared for the worst. I have not checked my credit score since XXXX, but upon reviewing my report I have noticed several accounts that have been opened in my name that do not belong to me. One of the accounts was removed, and the other account I disputed online through XXXX  XXXX. The account that I am disputing is American Express. This account was said to be opened on XX/XX/XXXX. The balance is supposedly {$1500.00}, with an amount past due of {$530.00}! I have never opened a credit card account with this company, and I have never inquired about getting debt with this company. I do not believe in the use of debt to obtain financial freedom. It also seems that payments were made under my personal checking account, although i don't see how that could even be possible. I learned throughout this process that my information was breached and used over the dark web. Please assist me with this issue. American Express has verified an account that I am not responsible for, and will never be responsible for. This is not right at all for me to be held liable for a crime I did not commit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There is incorrect information being furnished in the personal information section of my consumer report since XX/XX/20 that Transunion has PURPOSLEY furnished for years and have YET to do a VALID investigation and get these errors removed from my consumer report. This inaccurate information is ruining my reputation. I need these errors DELETED from my consumer report immediately.

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