BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX has attempted to collect the debt of eviction which we do not owe or was discharged in our Bankruptcy. 
Recently, We have received a letter dated XX/XX/XXXX from California, Department of Fair Employment and Housing stated in the paragraph number 2 : '' The owner 's representative indicated that you were denied tenancy ... On XX/XX/XXXX, XXXX informed the property manager that he was denying your applications due to an eviction. " ( please see attachment, Closure Determination and Request for Additional Information. RE : XXXX v. XXXX and XXXX ). 
In contrast, we recently requested the credit report from Trans Union and the credit report showed that we have very good credit and no eviction record. 
On or about XX/XX/XXXX, we contacted XXXX about the inaccurate information from the letter dated XX/XX/XXXX from California, Department of Fair Employment and Housing in which they disputed in the housing discrimination complaint and I was told that they checked our credit reports from Trans-Union Credit Report on XX/XX/XXXX and the credit report showed the inaccurate information that we have bad credit and eviction record ( according to the words of XXXX ). 
The XXXX also told me that they could not show us the report because the report from Trans Union showed differently between landlords ' and tenants '. The Trans Union only showed the inaccurate information to landlords ' requests. the XXXX also told me that they were informed the eviction record from the XXXX. 
On or about XX/XX/XXXX and XX/XX/XXXX, I contact XXXX regarding the inaccurate information in the letter dated XX/XX/XXXX from California, Department of Fair Employment and Housing, XXXX, manager told me that the XXXX reported the incorrect information of eviction for our family to Trans Union, XXXX, and other Credit Report Bureaus. Also, The XXXX demanded that we have to pay the debt of eviction which we do not owe or was discharged in bankruptcy, if not they will continuously report us to Credit Report Bureaus and XXXX until we pay. 
The XXXX and XXXX also demanded us to pay the debt we do not owe or was discharged in bankruptcy for the XXXX because both of them told us that they are friends and because we filed housing discrimination charges to HUD against both of them XXXX and XXXX. 
The Trans Union reports inaccurate information of eviction which we do not owe or was discharge in bankruptcy. 
We filed bankruptcy chapter XXXX in XXXX and got discharged all debts.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'd like you to remove some information that isn't mine from my credit report as soon as possible. I've lodged a Identity Theft report, which I've attached to this letter, alleging that these accounts are not mine and that my identity might have been stolen. 
I've included a list of the accounts in Identity Theft report. 

I'm not sure how these charges ended up on my credit report, but I never approved or consented to them. I have no idea who provided you with this information! I'd like a screenshot of whoever says these accounts are mine because I do not recognize them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent requests to TransUnion to stop falsely reporting derogatory against me stating that I have an unpaid medical bill in the amount of {$76.00}. TransUnion continues to falsely report information from XXXX XXXX XXXX, # XXXX ( XXXX, VA ) ; stating that this debt is allegedly owed to XXXX. I am a XXXX XXXX XXXX Veteran and have 100 % free medical coverage! This debt could possibly be my son ( I do n't know ) ; he has my name, stayed with me for one year, but has long since moved away. However, we have different social security numbers and birth dates, so this problem can be easily resolved. I have zero medical bills, and I have repeatedly communicated this fact to TransUnion unsuccessfully .... please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
We were finalizing a trip to XXXX and purchasing theme park tickets on XXXX. The total was for {$1900.00} and while checking out, it asked if we wanted to apply for the XXXX card by Chase, upon approval we would receive {$200.00} statement credit, plus the XXXX vacation would be placed on 6 months special financing. So we decided to apply and got instant approval and placed the XXXX vacation on the Chase XXXX Credit card ( even if you do n't have the card with you, instant approvals are allowed to use their new accounts on XXXX ). When we received our bill, we were charged interest on that transaction. When I called in, Chase stated that my purchase did not qualify because it had to be booked as a " package '' through a XXXX travel agent. If it needed to be booked by a XXXX travel agent instead of XXXX, they should not have advertised that promotion on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened an account with XXXX XXXX a year ago to check my credit to make sure it is in good standing. I found that there were collections on my credit that I was unaware of from XXXX and XXXX that were unresolved. I disputed these collections and they were resolved but they came back up on my Equifax credit report. I tried to dispute through Equifax but I could not log into their website because they redirected me to call them. I called and I kept getting transferred to another department and I could not speak to someone. I then called XXXX about my {$1.00} collection. They said it was too far back and they could not find that I owed any balance but I should call XXXX, the collection agency that was used. XXXX told me there were no collections under my name or my husband 's name which means it should have been resolved. They said they can not do anything on their end because they just have a contract w/ XXXX to pursue collections. I then called XXXX back to speak to a manager. I was transferred to a manager and was put on hold for 10 minutes. The receptionist then stated that she is unsure when the manager will be available and asked for a call back # which I gave. I am now waiting on a call back which can take up to 24hrs. I did not even realize this was on my credit. It is now taking an act of congress to see why my credit has been messed up for a dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We had a false charge on my a/c. the bank charged overdraft charges. the actualcharge was reversed.but od was not. They levied more than {$100.00} in charge andmade the a/c negative.In the negative state a {$97.00} insurance charge was honored. 
Thus the total actual charge was {$97.00} and o/d charge was more than XXXX then theyadded anathor {$70.00} and closed the a/c. we have chased them for XXXX yrs to settle the a/cbut they claim to have sold it to XXXX XXXX XXXX. BUT XXXX does nothave the a/c. so what do i do.bank is non cooperative. But they have reported me XXXX for their charges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sir or Madam ; This complaint I am filing is against my servicer America 's Servicing Company. They violated the dual tracking laws. In XXXX they told me I can apply for loan mod and I did. I faxed them my loan modification application on XXXX XXXX. After 2 weeks of waiting for them to reply they told me that they cant accept my application because they posted a sale date for XXXX XXXX. America 's Servicing Company was the one who contacted me telling me that I was eligible for a loan modification and to send my application in the meantime they were foreclosing on me. They violated the dual tracking laws and lied to me. I plead with the Consumer Financial Protection bureau to protect me and investigate my servicer for acting in bad faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Coast to Coast Financial Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In  XX/XX/XXXX    we notified  XXXX   XXXX   XXXX  in  XXXX ,  XXXX  that we were moving and they scheduled to pick up their trash can. We moved to   XXXX   XXXX   and  XXXX  failed to pick up the trash container.  XXXX  then billed us for the container {$70.00}. We contacted  XXXX  and they filed a lost/stolen container report and assured us they would not collect any further. A couple months later, we received another bill for {$70.00}. We contacted  XXXX  and they filed another lost/stolen container report. They then turned the account over to Collections. The  Collection Service will not cancel the debt as they claim it is valid. The Collection Company is Coast To Coast Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Please see attached uploaded medical documentation. Please use these records as evidence in support of my current pending claim 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 2015-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
on XX/XX/2016 somebody broke into my house/office and stole my checkbook and wrote several checks but XXXX were cashed by the bank, I informed the bank about it but they insist I have to pay those checks, those check do not have my signatureThe bank is chase, my account # XXXX chase phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Without any notice to me, Chase reinserted in a bill for the account period ending on XXXX XXXX a charge I incurred on XXXX XXXX and disputed ( acknowledged by Chase ) on XXXX XXXX. When I called today to inquire, I learned that Chase refuses to investigate or chargeback a XXXX dollars charge I incurred to retrieve my car from a XXXX company that had illegally booted it on a Saturday afternoon. ( I have signage pictures and other evidence of the illegality - note that I am not disputing the {$8.00} charge I paid to the parking lot on my Chase card for all day parking ). In talking to Chase representatives, they made various misstatements : 1 Chase has investigated and " the services were provided '' ; 2 Chase is a government regulated institution and can not dispute the 'merchant '' ; 3 Chase has no responsibility for the business practices of the " merchant '' if it is not the processor/acquirer for the acquirer XXXX even if the " merchant '' ( XXXX ) XXXX ( my hypothetical, but the equivalent of what happened ), I would be responsible for the charge if I handed over my card to the " merchant '' ( XXXX ) ; and 5 if I did n't call the police, the illegality of the charge does n't matter. 

Despite my good faith request that the tape of our conversation be preserved, Chase will destroy the tape according to its customary practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: BARCLAYS BANK DELAWARE
State: PA
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 a promotional offer for {$200.00} statement credit if I applied for Barclays MasterCard through Carnival cruise lines. I had trouble on website and called Barclays and Carnival on XX/XX/XXXX. They confirmed that they were having issues with connection. I completed transaction and woman told me shed Rush  card at no charge. I received card on XX/XX/XXXX and contacted Carnival to switch balance as I was instructed by Barclays representative to receive statement credit. I made purchase within 90 days as explained to receive credit. I called Barclays back on XX/XX/XXXX to advise I didnt receive credit. Spoke with supervisor XXXX operator # XXXX which I think she lied. She refused to give statement credit as promised and also refused to play tapes back of my conversation when I asked. She flat out said theyre not going to play the call back. I told her then why record conversations for quality assurance. I told her that I was told Id receive the {$200.00} statement credit as long as I made purchase within 90 days even if purchase was a dollar. I was told Id receive points on XX/XX/XXXX when my statement closes. I explained that this is not what promotion was that its supposed to be statement credit. She again said about points and I ended my call. Dont trust Barclays!!!!!

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 2017-03-09
Company: U.S. BANCORP
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received a text from this company saying they were US Bank and I was authorized a loan amount of {$9000.00}. All I needed to do was call his number. Well after what just happened to me I XXXX this info and got the actual bank finding out there was no branch within XXXX miles of this state we called the number conference call and questioned him as to the validity of his claims to being a member of this bank. He then got belligerent with myself and the actual loan officer of the real US Bank and hung up. He did not get money from me I have already closed my checking account do to the previous fraud so I am reporting an attempted fraud by this fraudulent company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This alleged debt collection for {$1500.00} from Healthcare Collections - I LLC popped up and appeared on my credit report last year. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. There has been no debt validation or verification provided to me concerning this alleged debt collection. I've requested all of the following with no response : -The original contract -Payoff disclosure -Interest Rate disclosure -Balance history -Payment history -Credit Insurance This company can and will not validate or verify this information for the simple fact that they, along with the original creditor, XXXX  XXXX would be in direct violation of HIPPA laws. I've disputed this alleged debt several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Back into XXXX of 2010 during this mortgage crash me and my wife were part of this with our second home. We tried and did everything the bank ( specialized loan service ( SLS ) wanted us to do. They finally offered us a program called DEED IN LIEU instead of a foreclosure. we accepted this and they even paid us under their cash for keys program which is only given out for deed of lieu or short sales. 5 1/2 years later when we are applying for a new mortgage an open foreclosure is showing up on our credit report instead of deed in lieu from this bank SLS. After numerous talks with different departments within the company, faxes, written requests and a copy of out credit report so this error can be corrected on our credit report, me and my wife are getting nothing but a run around. I had XXXX different customer service reps and a dept manager say that our file looked messed up, that it should be reading one way but reads another way. They all said they do n't know where to begin. 

We showed them the proof, they saw the proof in their files. The manager even said a deed in lieu was started but never completed. They see the cash for keys check issued ( XXXX XXXX, 2010 ) and a copy of the deeds and verification of mortgage. We really need help with this and have no where else to turn. 

This is the only thing prohibiting us from obtaining a new mortgage. Our credit is outstanding except for this mark on our credit report. We can not get them to help us fix their error. We are at RISK OF LOSING THIS NEW HOME because of the wording in our credit report. Time is fast approaching for our settlement date. We waiting the 5 years for the XXXX, DEED IN LIEU time, only to be hit with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Freedom Mortgage Company
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called around XXXX this morning by Freedom Mortgage. They said my mortgage is overdue and need to pay immediately. I set my mortgage date for the 4th every month and today is the 4th. My mortgage is not late. Then they said its does not become overdue until the 16th of the month. 

This company is ruthless! 

I got back from work at XXXX in the morning. 
I dont need a company to wake me up and disturb my precious sleep which I need fkr my health, especially during a PANDEMIC! 

It took me 9 months to refinance my veteran loan ( I am a XXXX veteran ). I made dozens of calls to them to move the loan through. To no avail. Yet, now, they have the nerve to wake me up from precious sleep to tell me what I already know. 

So I paid. Confirmation # XXXX This company emotionally disturbs 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 2016-12-02
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust ( NCT ) and they have no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is with NCT who wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.

Company response to consumer: Closed with explanation