BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2020, the CARES Act was signed into federal law indicating that borrowers with federally backed loans would have their payments suspended through XXXX XXXX, 2020 and the corresponding interest waived. As for borrowers in the Public Service Loan Forgiveness Program ( PSLF ), the law clearly states that each month of suspended payments would count towards the 120 required payments under this forgiveness program. 

My loans are handled by FedLoan Servicing ( FLS ) and I am enrolled in the PSLF program. As of today, XX/XX/2020, FLS has not updated the information on its website reflecting these changes implemented via federal law. In fact, FLSs website currently ( and erroneously ) states that suspended payments will not count towards the PSLF payoff. Ive also contacted FLS at least three times in an attempt to get guidance on  how to proceed since my loan payment due date is swiftly approaching. The customer service reps have either been completely unaware of any changes to be implemented under the CARES Act or have provided guidance that is clearly contradictory to the text of the new federal law. Other customer service reps have repeatedly recommended emergency forbearance which is different from suspension ; forbearance would disqualify skipped payments from being counted towards PSLF. 

FLS is purposefully misleading customers about options available during this time of financial instability, and also withholding important information that impacts the financial status of thousands of borrowers. FLS has also failed to provide borrowers with a clear timeline regarding implementation of the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: NVR INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I signed a contract with XXXX XXXX to purchase a new home in On XXXX XXXX, 2015, with the understanding that I would receive $ XXXX in closing if I " only '' use their mortgage company NVR Mortgage Financing. I was fully approved for the loan and my closing date has been set for XXXX XXXX, 2015. However, over the last few weeks, there is a back-and-forth conversation with NVR Mortgage Finance in regard to deferring my student loan. I told them in the beginning of this process and repeatedly thereafter that XXXX, my student loan servicer, will only defer my loan twelve ( 12 ) months at a time, but they want to extend it to 13 months. I was told by another lender that the reason for this is deceptive practices and that NVR Mortgage Financing plans to sell the mortgage loan as soon as possible. Three years ago, I experienced the same issue with NVR Mortgage Financing, whereas, after I applied for a twelve ( 12 ) month deferment, they wanted to me to push for 1 more month. Because I was unable to do so, they did not honor their agreement and I was not able to purchase the home. This time I want a resolution to this deceptive practice. You are held hostage by NVR Mortgage Financing with no other options until they decide that you are not worthy of their funds. They have accessed my credit report numerous times ( only XXXX of which I approved ) through XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, since I applied for the mortgage only to lower my score so that I would not be able to apply with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I checked my report and was not able to dispute this information online. 
XX/XX/XXXX called number provided to dispute these inquires and was directed to file with the FTC. Upon following the direction given I was redirected to CFPB. 

I did not give these entities permission or consent of any kind to obtain my personal and private information. Nor did I request information from these entities. Nor do I have an open or closed account with these entities. 

I dont recognize the following entities and am requesting these entities be removed : XXXX XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX 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 2022-09-02
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called them and told them every month it says I owe XXXX $ I asked them to please make my account reflect the amount I actually owe because I need to be able to see my bills every month and having XXXX $ listed as what I owe is confusing unless of course I actually owe them nothing. 
I contacts them about this in XXXX and in XXXX and they havent fixed it. This month it says I owe {$40.00} when clearly I owe more than that.

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 2020-07-22
Company: EQUIFAX, INC.
State: TX
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:
I disputed the XXXX XXXX with equifax waited 30 days never got a response in the mail I called equifax on the phone spoke with the repsentative would not give me information on dispute told me i got a response in the mail online my credit reports customer dispute .. but there is no action taken if the account was verified or not its XX/XX/XXXX no answer .. I also disputed XXXX XXXX  and with a 609 letter waiting to see proof that the account belongs to me i never got a responed i sent in information in XXXX XXXX and i was suppose to get a a disputed response by XX/XX/XXXX no response in the mail the loan company XXXX XXXX is a fraud account i never open or signed for i also tried to get in touch with possible finance and i cant get through to them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Below is a quote of a secure email I sent to Pennymac on their website " We have tried to reconcile some issues with Pennymac concerning our escrow account, we originally called on XXXX/XXXX/2016 at XXXX, I do not recall who we spoke with, but he or she told me they would contact the tax department and someone would call back. 
On XXXX/XXXX/2016 I called again and spoke with XXXX and she indicated top me that she saw we had called, and she said it takes 10 business day for a reply to be generated - it would have been nice if the person that answered my first call would have said that, I would not have wasted my time calling Pennymac on XX/XX/XXXX as that was not 10 days from my original call. 
On Wednesday XXXX called at about XXXX and left a number ( XXXX ) and extension # ( XXXX ) for me to call back. I tried to do so, but the extension we called went to voice mail and we never received a call back. 
On XXXX/XXXX/2016 XXXX called me back and said that there had been no resolution noted, but she would call back when she heard something. 
Today is XXXX/XXXX/2016 and so far as of XXXX we have heard nothing. 
We now intend to file a complaint with Bureau of Consumer Financial Protection about the non-response from Pennymac about our concerns dealing with you about our escrow account. 
We have gone into the XXXX County Treasurer and Tax Collector and they stated that the amount of taxes noted on our tax bill is true and correct and they stated that the amount you project for payment out of our escrow account is WRONG. Pennymac payed the first half of the total years tax in XX/XX/XXXX of {$1400.00} and the balance to be paid in XX/XX/XXXX should be the remaining balance of {$1400.00}. Yet you indicated on the account projections sheet that you are going to pay {$1600.00} in XXXX and the same amount in XXXX 2016. 
You sent us a overage refund of {$360.00} on XXXX/XXXX/2016, we feel that overage should have been about {$360.00} more according to projected continued payment of escrow payments as of XXXX 2016 of XXXX, and yet you are increasing our escrow payment to {$320.00} an increase of {$5.00}. 
I know from previous secure message email to you that it takes to 2 days to get a reply, I would suggest you reply ASAP if you can get this settled as the complaint to the Bureau of Consumer Protection will be dispatched this afternoon. 
I find the non-response by Pennymac to our concerns about our escrow account an affront to my sensibilities and it seems that Pennymac has a truly inconsiderate and unresponsive consumer affairs department. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: OH
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:
Equifax repeatedly lowers my Credit score the same day I report misinformation and dispute an error with them. They refuse to give me the information of who they spoke with or dates of conversations. They have now locked me out of their website and refuse to unlock my account. I have provided them with everything they asked in terms of what is on my credit report and they still will not reset my password and let me access my account on my.equifax.com.The last question they asked was what my monthly minimum payment was on a credit card that I am an authorized user on I asked them to hold while I verified this info and was then refused access to my account at my.equifax.com.This is not on my credit report and it is not anything that would be used by any other credit reporting agency to verify my identity. There are two accounts on my credit file that have incorrect information. These accounts need to be corrected and I wish to know the names of who they spoke with to verify the information and dates of all conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: VA
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:
These are not my accounts, AND or they are older than what the FCRA time line permits for credit reporting by the credit bureaus. Additionally, there are a couple of inquiries in which I did not authorize and my name is wrong several times in my personal profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received the following offer from Venmo : Limited time offer : score a {$50.00} bonus when you spend {$500.00} with your Venmo Credit Card by XX/XX/2022. 


I spent {$500.00} but didn't receive {$50.00} bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I transferred money by mistake to my closed chase account in XXXX. I called chase many times since XXXX trying to get my money back. I was told many different things by chase representative. First they told me that my money will bounce back to the initial account, where it came from because my chase account is closed. I called my other back XXXX  and asked if they received the money. XXXX  said they do not have the money. I called chase and told them XXXX  said no money bounced back. Chase kept insisting that my money went back to XXXX. I called chase again and again throughout the month of XXXX. Once Im told the money went back, next week i was told theyre disputing the transferred money I sent. I spoke to many different people at chase customer service and every time I called they told me theyre either disputing it now or it was disputed or it got bounced back. 
About 2 weeks ago I spoke to another individual at chase and he told me my money was sent to me by mail as a cheque after deducting {$42.00} because my old account had a negative balance. I told the representative I did not receive any cheque and what should I do to cancel the cheque. He told me to go to the bank in person and ask them to cancel the check. Today, XX/XX/XXXX, I went to chase bank and the people at the branch told me they cant help me because the branch did not issue the cheque and I have to call customer service. I called customer service and after I explained the situation and told them Im at the bank, they put me on hold for about 30 minutes, after collecting all my information. I never got any help Later the bank gave me another number to call. I left the bank and called the number for help. This time the representative told me I have to go back to the bank and have them call a number. She gave me the number and it was the same number the branch gave me and told me to call for help. 
Im not receiving any help from chase to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found a collection on my credit report from Midwest Recovery Services and they told me it was in regards to a payday loan I have no knowledge of. I was never notified prior to this showing up on my credit report. I asked for proof and they denied to give it to me, rather they said they reported it as fraud and the client will need to file felony charges. I want it removed from my report unless they can provide something showing I am mistaken. Obviously if I owe I would pay but I do not believe I owe anything. They say original creditor is XXXX. I 've never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # 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.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: AZ
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:
Is a Bankruptcy on myCredit Report what is not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Skopos Financial, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Account:XXXX ; My car was involved in a accident on XX/XX/XXXX. I filled a claim with XXXX XXXX on XX/XX/XXXX th first time with XXXX XXXX ( claim # XXXX ). After two weeks of not hearing anything I contacted the head of claims and received contact from XXXX XXXX. I also contacted Skopos Financial LLC on XX/XX/XXXXand informed them that the car was totaled. I continued to receive calls from Skopos and each time I told them the same thing. In XX/XX/XXXX they finally transferred me to someone that deals with total loss vehicles. So in XX/XX/XXXX I guess Skopos finally contacted someone at XXXX XXXX and they came to a settlement. Within the XX/XX/XXXX I received a letter from Skopos they were selling my car. I then received a letter from XXXX XXXX ( GAP ) Program Administrator saying after XXXX XXXX settlement of {$10000.00} and after the coverage exclusion the following amount would be waved by my lender. Skopos waved {$3900.00}, not included was {$1400.00}, for missed payments, This is the amount that I am disputing, it is not my fault that Skopos allowed XXXX to take 4 months to settle this claim and because of this they feel that I should pay for their error. Plus they did an update on my credit report and instead of decreasing the amount I owe they increased the amount by $ 300+. Because of this I can not purchase another car and having problems getting a mortgage for a VA Home Mortgage. Any help you gan give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Hi, I request a credit increase from my XXXX XXXX XXXX & I consider there will be a soft Copy of my credit report, but they did a hard copy without mentioning on line on this regards, therefore I lost some point on my credit Fico Score by Trans union, which is not Fair, they should notice me that before my request on that regards, my other Credit card they do increase on line with no effect on my credit Score ( Soft Credit inquiry ) Please consider my request to remove this hard copy from my Credit report on XXXX/XXXX/15 Thank you for concern & Happy holidays XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AD Astra has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that AD Astra verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. AD Astra also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. The numbers are as follows, but are not limited to, because I have a very extensive call log from AD Astra : ( XXXX ) XXXX XX/XX/2017 @ XXXX, XXXX, XXXX, XXXX, XXXXXXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 @ XXXX @ XXXX @ XXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue. Phone calls from AD Astra needs to immediately cease and this account needs to be properly verified as requested above or removed immediately.

Company response to consumer: Closed with explanation