BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account that had an annual fee ( XXXX XXXX XXXX package ) that paid for additional benefits for the account. After only 1 month of inactivity, First National Bank of PA closed my account due to inactivity while there was also still an ongoing open support ticket that directly related to the balance of my account. I called in multiple times and received conflicting information each time. One time I was told it was due to a XXXX balance ( despite the open ticket that was related to a fee that brought it to that balance ). Another time I was told they meant to close an older account opened years ago but closed the new account by accident ( I had closed the older account years ago but somehow they never followed through on closing ). 

They then used all of this as rationale for denying me the checking account bonus offer that I opened the account with, stating that the account was not in good standing due to a fee ( the same fee that still had an open ticket to look into the cause as I believed it was in error ). 

Lastly, they refused to pro-rate the annual fee I paid for this account, despite closing the account and denying me of the benefits I paid for. 

During all of this, I spoke with XXXX at the XXXX branch who was helpful at first when looking into the fee that was charged in error but then after the account was closed, was one of the multiple parties providing conflicting info and refusing to provide a satisfactory or fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was awarded funding through Florida 's Homeowner Assistance Fund ( HAF ) to help with mortgage payments that were behind due to COVID-19. I was awarded the funding on XX/XX/XXXX in the amount of {$10000.00} that was paid directly to the mortgage company MIDLAND Mortgage. For 6 months the mortgage company failed to apply the funding to the mortgage payments and held the funds in a separate " unapplied funds '' account. I've made several complaints to the company for holding the funds and applying late fees each month instead of using the funding from the state. After the complaints the company used some of the funds to apply to the monthly mortgage but still charged late fees. As of today, XXXX XXXX XXXX the company has stopped applying the remaining {$7200.00} and began sending past due statements when I still have funds available that can be applied to the mortgage.

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 2023-06-25
Company: Professional Debt Mediation, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account info Account name PROFESSIONAL DEBt Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$7100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$7100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX. This company is attempting to collect unauthorized charges. This is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CCM Finance LLC
State: MS
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:
I have called to fix this problem they send me to several department this account is sold to someone and I ask to be removed off my credit report immediately not my debit anymore

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: ACIMA CREDIT, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I diluted this with the credit consumer reporting agencies in XX/XX/XXXX, I also disputed this directly with XXXX and no response. XX/XX/XXXX AXXXX XXXX XXXX XXXX Im confused as to why this is on my report. I never had an account with them and they never sent me anything in the mail. This company has failed to respond. Its charged off and they sold this debt. They have not said to who? They have not answered disputes. They have not sent me any information XXXX XXXX XXXX XXXX High Balance : -- Last Verified : -- Date of Last Activity : -- Date Reported : -- Date Opened : -- Balance Owed : -- Closed Date : -- Account Rating : -- Account Description : -- Dispute Status : -- Creditor Type : -- Account Status : -- Payment Status : -- Payment Amount : -- Last Payment : -- Term Length : -- Past Due Amount : -- Account Type : -- Payment Frequency : -- Credit Limit : -- Two-Year Payment History XXXX NONE REPORTED {$3200.00} -- -- -- missing incomplete XXXX XXXX Account XXXX -- XXXX account number XX/XX/XXXX -- XX/XX/XXXX -- XX/XX/XXXX -- {$3200.00} -- -- -- missing incomplete Derogatory -- Individual -- Account not disputed -- Sales Financing -- Closed -- Collection/Chargeo! -- {$0.00} -- XX/XX/XXXX -- 12 Month ( XXXX ) -- {$1400.00} -- XXXX -- -- -- missing incomplete information {$0.00} -- Past due amount/balance owed/date of activity is the past the date the date of last paid/missing incomplete inaccurate payment history/last payment/last balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Yield Solutions Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I refinanced my auto loan with Refijet. As going through the number with the loan officer initially, I was told that there would be a {$490.00} prepaid finance charge which was to pay the accumulated interest with my previous lender ( XXXX bank ). However, when logging into my online account two weeks later, it appears the total loan principal includes the {$490.00} fee, which obviously isnt right and should not be included in there. I then called the loan officer to get clarifications on this. What I was told this time was not the same as before. He said the {$490.00} was a fee from Rjfijet and needs to be included in the principal amount. I was surprised about the different answers on the same amount from the same person. I tried to further dispute this but was told again that was the finance charge. 

The loan application itself clearly outlines the {$490.00} as XXXX XXXX XXXX, but the loan officer denied what he previously communicated with me regarding that amount. 

Therefore, my total principal amount is now {$490.00} higher than it should be which would result more interest I would have to pay, and this is not right in any comprehensible way. 

Also, I was told they would charge {$10.00} which was the amount to open an account for me, but my online banking only shows {$5.00} be deposited into my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: SYNCHRONY FINANCIAL
State: VA
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:
Payment made to PayPal for {$250.00} in XX/XX/2022. I made an error and typed the account number as XXXX XXXX vs XXXX. Despite XXXX faxes to PayPal from my bank of the check which is endorsed by Synchrony Bank and more than a dozen conversations by myself with PayPal personnel/customer service representatives XXXX I can not get payment credited to my account. Their accounts receivable and payable department is woefully inept.

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 monetary relief
Consumer complaint received 2023-07-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After graduating college in XX/XX/XXXX with the effects of the XXXX recession still in full force, I was not able to start paying the full monthly payments. Instead of being offered options when asked, I was told only forbearance was possible. After using up all my forbearance, I asked again if there were any programs available to help with lower payments and was told there was. In between these times, Id have Sallie Mae agents calling me and telling me I owed a payment in harassing ways, even though I was on forbearance. Between the harassment and lack of help while on forbearance by Navients former company, Sallie Mae, I have paid around {$150000.00} so far with almost the same amount still owed. Four loans accrued anywhere from $ XXXX in additional interest. Ive paid in good faith for a long time, but due to not being helped when asking for it initially and what feels like purposely pushed into the full use of my forbearance, this was done to take advantage of me and create a never ending cycle. I currently pay {$1700.00} a month and the balance doesnt go anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX an unknown person attempted to sign up for various loans with my madien name. On my credit reports I had a hard inquiry from XXXX  XXXX/XXXX  XXXX, XXXX  from this. I contacted the company and let them know about the fraud several times and disputed this with all credit buerueas. It has been removed from all except Equifax, where my credit score had dropped. I have contacted Equifax over 10 times and mailed in documents stating the fraud, along with my FTC identity theft report. This still showed on my credit so I called XXXX XXXX again in XX/XX/XXXX and XX/XX/XXXX received an email from the company saying " We are in receipt of your recent claim of fraud regarding a credit inquiry by XXXX  XXXX. On XX/XX/XXXX, an application in your name was presented to XXXX XXXX ; however, no loans were underwritten in your name. The account has been updated to reflect your claim of fraud and future transactions on this profile would require a written request from you. 

Furthermore, given your claim of fraud, we have requested the credit inquiry initiated by the application submitted to XXXX XXXX be deleted from your credit report. Please note, it may take up to 90 days for the deletion request to be reflected on your credit report. '' As of today this still reports on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX  Balance details 5 % paid off Balance {$32000.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$32000.00} Original balance {$34000.00} Monthly payment - Additional info Responsibility Individual account Terms 75 Months XXXX sold - Original creditor - Comments Account information disputed by consumer Your statement - Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN XXXX  DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' " PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! 
I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 


RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-08-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
got put into Foreclosure without notice and tried to work with mortgage company but keep getting the run around. The lender keeps delaying the process and providing excuses. This appears so that the lender can get a higher interest rate from me. 

The lender keeps messing up and reviewing paperwork. I have had to redo paperwork due to their mess ups. 

The lender also kept saying to not pay the mortgage payment then comes back to say i am in default. Was placed on a forbearance but was not allowed to make payments and not provided any means to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: MOHELA
State: NM
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 believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for TEPSLF between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however, they only list XXXX in my qualifying payments. Additionally, My consolidation loan was disbursed in XXXX, however no payments were counted prior to XX/XX/XXXX. 
All payments have been on time. I began employment at The Ohio XXXX University XX/XX/XXXX. All employment has been verified. 

I filed for TEPSLF in XX/XX/XXXX, was then transferred to Mohela. spoke 3 times to Mohela representatives who assured me the 36 months would be counted, but they were delayed in counting TEPSLF-compliant payments. I ask the 36 months to be counted as verified which brings my count to XXXX qualifying payments for the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: AR
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:
See attached scan of demand letter sent to Equifax on XX/XX/2023. 

XXXX XXXX XXXX may not legally collect or report the alleged debt. I dispute any valid personal connection to the alleged BUSINESS debt that XXXX  alleges to have been assigned, and they have not provided any proof of those ( two ) assignments : XXXX XXXX XXXX XXXX XXXXr, and subsequently XXXX  to XXXX. Equifax has failed to require that documentation be provided. Simply accepting " certification '' by XXXX as " verification '' of the alleged debt is inadequate under the provisions of 15 U.S.C. 1681 and 1692. 

Notwithstanding the above, it is known that Funding Metrics ( FM ) provides Merchant Cash Advances ( MCA ), which are NOT " factoring accounts ''. The description of the alleged account by XXXX as a " debt buyer '' by Equifax is therefore inaccurate. The alleged debt amount and date are also false and inaccurate and unsupported by any provided documentation. 

Notwithstanding the above, acquiring an alleged debt under the guise of personal guarantee " co-signor on account '' is also improper and illegal. Personal guarantee on an MCA is only actionable upon valid proof of breach of contract, but still illegal because of lack of mutual obligation and other unconscionable terms. No proof of breach has been provided by any of the parties ( XXXX, XXXX, XXXX ). The legal status of MCA are presently in limbo ( see cases quoted in my letter ) : are they loans or unlicensed securities? Regardless, because MCA rely only upon a business ' future receivables for repayment, if there are none - due to the world-wide COVID-19 pandemic and business failure, for example, there is no breach or default.

Therefore, Equifax is essentially taking part in attempted extortion by allowing illegal negative credit reporting by XXXX. Basically, we'll XXXX on your credit report unless you pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
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:
These inquires are unauthorized and they are not related to any transaction by me : Equifax : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am actively trying to settle my foreclosure through the short sale option offered by my lender. However, there is a dispute over the value of the property and the lender is refusing to release the broker price opinion report that they used to determine the valuation. I have the right to receive a copy of any evaluation performed on my property. The lender is also refusing to review an independent appraisal report and will only take the opinion of one untrained real estate agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: MAS FINANCIAL SERVICES, INC.
State: CA
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:
Account number : XXXX I am not liable for this debt with MAS Financial Services, I do not have a contract with MAS Financial Services, they did not provide me with the original contract as i requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: California Business Bureau, Inc.
State: CA
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:
Account # XXXX XXXX {$11000.00} Account # XXXX XXXX {$1300.00} Account # XXXX XXXX {$4300.00} Account # XXXX XXXX {$20000.00} Account # XXXX XXXX No action was taking by me I have no knowledge of these account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: MoneyLion Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had a money Lion bank account for 3 years. I have been trying to get to the bottom of how much money I have invested in my stocks and shares investments and can never get a direct answer. I also have noticed transaction 's that we're processed without my permission and they have withdrawn money from my investment account and sent it to my checking account and I have never seen that money. I believe I'm being scammed and fraudulent activity is going on at this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax continues to report information that is on my credit report up to XXXX XXXX XXXX some items that never fall off and I can't get them to remove. They don't investigate it properly they don't respond within a timely manner they don't give me clear information and one item which I have attached an example of is very old. These companies give them limited information like they don't tell them on the account is closed they just keep updating things and one is over XXXX XXXX XXXX. I want them removed immediately. It shouldn't still be on there. There is a student one that was paid for and paid off over 15 years ago and it's still on my account.

Company response to consumer: Closed with explanation