BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-01
Company: Dream Center Education Holdings
State: MI
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 name is XXXX XXXX. I am a widowed mother whose XXXX husband and myself attended Education Management Corporation 's XXXX University for a short time in 2009. I myself only attended for just under XXXX months, but XXXX claims I was there a year taking classes I have no recollection of attending. A letter I received from XXXX 's Assistant Chancellor for Student Affairs, XXXX XXXX, states in it that they charged me for a class I never attended. It also states that I never attempted to use the tutor service, which is not true, I attempted to many times with no answer. XXXX University, the online division under EDMC specifically, has had a whistle-blower named XXXX XXXX allege job placement fraud, which I can certainly say I was a victim of. Every call I made for help, I was sent to dead-end voicemails that never got answered. When I tried to leave the school, no one was there to help me with the process. My fianc, to whom we have a XXXX month old baby boy, has been making XXXX predatory schools, and we have been harassed and abused by XXXX XXXX and EDMC 's lawyer XXXX XXXX. The Department of Education keeps these schools alive that have defrauded America 's future professionals of the lives ' they deserve. EDMC only cares about money, we students are treated like a hindrance to this goal of theirs. The ED looks the other way and ignores cries for help. I have already sent letters to my Michigan AG, and the Michigan XXXX. XXXX University should never have had a license per XXXX XXXX allegations. While this case is under trial, it makes me wonder how the ED has the right under the 4th amendment to seize my tax refund, and hurt my family tremendously. I am on strike for this fraudulent debt, and if the Government illegally seizes my tax dollars again, everything will be documented. I have proof I 've found that I will send to you, and I also need to follow up and send new information to all the State and Federal Departments I have already sent letters to. Please Help, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, I received a letter from lexis nexis stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Ditech Financial LLC
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
i had a loan with green tree and now they say i have to pay ditech for my manufacued home they are taking my rights away in mississippi i need help at XXXX XXXX XXXX in XXXX ms. please help me god!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in dispute with my XXXX lienholder ( Green Tree Servicing ) about the status of our XXXX lien in order to meet qualifications of XXXX. We have documentation from the XXXX lienholder XXXX XXXX XXXX that the loan was accurately reported in the system and from the XXXX lienholder ( Green Tree Servicing and DiTech ) that states that the XXXX lien was properly identified as a HAMP-modified loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over 30 days l have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items fro my credit report it have been over 30 days, as a result these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY CHEXSYSTEMS REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE

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: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been receiving help from the HARP program starting 5 years ago. Each year on or about XXXX XXXX, I have received a {$1000.00} on time incentive bonus but not this year. On my Ditech statement the bonus would be tracked in a line item called " Incentive Accrual Balance ''. On my XXXX/XXXX/2016 Ditech statement the balance showed {$910.00}. On my XXXX/XXXX/2016 Ditech statement, I had expected the incentive bonus to have reached {$1000.00} and to have been credited to my Principal Balance. The payment was not credited to my principal and the " Incentive Accrual Balance '' was no longer listed on my statement. I have called the U.S Treasury several times but the lines has been busy. I have called back but with no success. I have called Ditech several times over the past month and their excuse is they have not gotten the money from the U.S Treasury. Could you please help me find out why this year {$1000.00} incentive bonus has not been credit to my account? 
There is a second item I would like you to look into. After the first five years receiving {$1000.00} per year ( have not received the fifth year yet ) in the six year of the program I am to receive a XXXX incentive bonus. The sixth year 's incentive bonus is not being track on my statement as the {$1000.00} was. What 's up with that? 
This last question is for me to have a better understanding of how the U.S Treasury sends out the incentive payments. Does the U.S Treasury send out a lump sum to the mortgage holder like Ditech or is the money sent out monthly? Ditech tells me it is a lump sum but on my statement it is tracked on a monthly basis. This is the reason they have given me as to why the {$1000.00} has not been credited to my account, they have not received the money. 
My Ditech loan number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I paid an XXXX condo fee for the next 6 months, at the condo office, with a credit card, received my receipt and thought no more about it. About 30 days later, the condo office called me to say my credit card had reversed the charge and I needed to repay it. I contacted my credit card company and they said they did no such thing. The payment was never credited back to my account, and I have all statements from that date forward. I assumed this was a banking error and forwarded several months of my credit card statements to XXXX office so they could see I never rec 'd my money back on my credit card. I finally asked for an official dispute of the charge so Barclays could investigate and they said that since 2 months had already gone by since the transaction, they would not investigate. Then I tried with the bank administering the account for the condo association. They traced my money to XXXX XXXX XXXX but they won't cooperate with either me or the XXXX 's bank ( XXXX XXXX ). I don't understand how my funds could be withdrawn from an account without my permission and sent to a bank I have no connection with. My credit card is XXXX XXXX AAdvantage administered by Barclays Bank. XXXX XXXX is bank for XXXX XXXX and XXXX XXXX bank now has my funds. This has been going on for almost a year. Please HELP.

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 2016-12-28
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitting my complaint against Wells Fargo because I feel as if they are not ever going to assist me in saving my property against foreclosure. I am currently XXXX months behind and was recently declined for a loan modification. Once I received the decline with Wells Fargo, I reached out to a HUD XXXX who advised me to visit a website by the name of https : //www.checkmynpv.com/bnpv-ui/pages/start.xhtml, which I was told is an NPV calculator and imputed the exact numbers used to calculated my NPV. To my surprise, the XXXX calculator came back with a recommended loan modification based on all my information and not a decline like Wells Fargo gave me. I want you to please help me contact Wells Fargo because I do not want to lose my property to foreclosure but just do n't feel like they are going to listen to me. I feel very uncomfortable dealing with them. A few weeks ago my husband called and was treated as if he was committing fraud simply because there was an answer that he was n't able to answer the way the rep at Wells Fargo wanted him to answer. After a XXXX minute conversation, the rep came back to my husband after talking to someone in charge and told him that his explanation was ok. My point here is that Wells Fargo makes everything so difficult and I believe that they are acting in their best interest. I trust that I have a good case because I do not think a government website like the XXXX would make a mistake and provide a recommended approval with all the information that matched Wells Fargo 's decline. I have attached a copy of the recommended approval along with the inputs that Wells Fargo provided to show that everything matches up. In addition, in the past I have tried applying for assistance while I was current on my mortgage and my property was underwater and was also declined. Now that my property has equity, I feel that Wells Fargo is trying to have me foreclose because they can get their money back. They are the investors on my loan from the paperwork that they provided to me. 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 explanation
Consumer complaint received 2016-02-26
Company: WELLS FARGO & COMPANY
State: NY
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:
For six ( 6 ) years, I have paid my student loans with Wells Fargo ( currently XXXX ( XXXX ) have outstanding balances ) on or about the last day of each month. On XXXX XXXX, 2016, I received an e-mail from Wells Fargo informing me of past due payments. Concerned, I reviewed by online banking bill pays at my deposit financial institution and confirmed the payments were sent. I then reviewed my online account with Wells Fargo, which confirmed the total payment amount was indeed received on XXXX XXXX, 2016. I called Wells Fargo and was informed that the payment was received, but, because a statement for XXXX ( XXXX ) of the loans had not generated by the time the payment was received, the funds applied to those XXXX ( XXXX ) loans did not advance the due date. In short, despite paying my loan, I am considered past due. I requested Wells Fargo to reapply the payments or advance the due date, whatever needed to be done to rectify the situation. I was told I could either make another payment or Wells Fargo would return the previous payment for me to submit again. I asked if Wells Fargo would credit my account for any additional interest accrued from XXXX XXXX, 2016, until whenever the funds could be returned to me and sent back in for payment and was told no. This means Wells Fargo is willing to allow my payment to be allocated toward more interest than principal, despite the fact that I paid my monthly installment on time as I have for six ( 6 ) years. I again requested my account be corrected and was promised a return phone call from the supervisor with whom I spoke by the end of business. I have not received a return call or further communication. 

Wells Fargo 's practice of having separate statement dates for XXXX ( XXXX ) loans in what is considered XXXX ( XXXX ) student loan account is deceptive. I receive statement alerts, but only for the generation of XXXX ( XXXX ) statement for XXXX ( XXXX ) loan. I have never had a problem with making one ( 1 ) payment at the end of each month until now. 
It is unfair of Wells Fargo to refuse to advance my due date and offer me only XXXX ( XXXX ) options that either cost me more money ( making a second payment ) or result in me paying more in interest by waiting for funds to be returned and sent back in.

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 2021-06-17
Company: Ascendium Education Group
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX, the consumer sent an Affidavit of Truth to Ascendium Ed Solutions on XX/XX/2021, to validate an alleged obligation. I have no knowledge of it and never received notice. Ascendium Ed Solutions never acknowledged nor responded to me. I need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a American Express Card offer in the mail. The rate disclosure about their penalty APR says : " The ( penalty ) APR may be applied to new transactions on your account if : 1 ) you make one or more late payments ''. If Amex is applying their 29.49 % penalty APR after 1 missed payment, they fly in the face of the CARD Act, which states " Card issuers generally are prohibited from increasing the interest rate on an existing balance unless the cardholder has missed two consecutive payments. '' I have been a XXXX for 40 years ( probably one of the oldest on the planet! ), and I witnessed my clients struggle due to many of the credit card abuses. I was thrilled with the passage of the CARD Act, and I am reporting American Express because I do n't want the industry slipping backward. I will keep the offer and the Truth in Lending Disclosure in case it 's needed as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midland Funding LLC is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. Midland Funding LLC did not report the deletion of the account to XXXX or XXXX, the other consumer reporting agencies that it reported the account to. Midland continues to update the account with negative information on XXXX and XXXX inspite of XXXX XXXX 's notification of deletion. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan is with HFC and I have not received a mortgage loan statement in over a year. 
I am delinquent on the mortgage and I have sought help from a HUD Housing Counseling Agency. I did do a payment plan with HFC to repay the delinquencies and they stopped accepting the payments. 
They did not not notify me of this in writing and have not sent mortgage loan statements for me to review and resume with the payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: SYNCHRONY FINANCIAL
State: MO
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:
Hard inquiries on my credit report and its saying my credit report down, I dont recognize these charges In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-15
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Hello, I have chase credit card that I opened long time ago. At the time I had very hard situation to pay credit card on time and minimum due. This still shows on the record of my credit score and it is effecting alot. I want it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit calls my phone 10 times daily from an XXXX call center, I have repeatedly ask them to stop but an hour later they call again, I have spoke with numerous supervisors with no success. I receive calls morning noon and night 7 days a week The number that calls is XXXX, they do not speak very good XXXX. I have been assured they will stop but an hour later I get another call. This has been going on for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls and no messages. I do not believe the calls are for me, but for the person who previously had my number. There has been no written communication from the identified company, a violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
I raised a dispute regarding a credit card thats paid in full but is still currently showing a balance. I have provided proof of the card payment twice and in disputing Experian has since decreased my credit score by XXXX points. This is not fair to me nor my credit score.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is showing a charge off on my credit report but account is paid off.

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