BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: AES/PHEAA
State: KS
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:
I filed a Chapter XXXX bankruptcy XX/XX/XXXX and should be protected by the automatic stay provided by federal bankruptcy law which prohibits creditors from seeking payment until my bankruptcy is discharged. The soonest my bankruptcy will be discharged is XX/XX/XXXX. I received a letter from fedloan servicing dated XX/XX/XXXX requesting I recertify my payment plan or pay {$430.00} starting XX/XX/XXXX. From my understanding, this is a violation of federal bankruptcy law. My attorney has contacted FedLoan and sent paperwork requested several times. I have also been working with a HUD-approved credit counseling agency to help me resolve this matter. XXXX shows my bankruptcy claim as active. This has been explained to several FedLoan Servicing customer service representatives, none of which have the slightest clue as to what I am explaining and could seem to care less when I explain that this is illegal practice and FedLoan could get into legal trouble not complying with federal bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
During Quarantine, I started using credit cards to buy food and such things as books and clothes. i was paying my bills and then I got more cards and it became impossible to pay all of them. 
Just so you know-I am on Social SecurityXXXX I am now working with a finance settlement company I got behind awhile back and started to get overdrafts. 
U.s. Bank-a bank I have been at for at least XXXX years. 
XXXX an overdraft and they took away my overdraft forgiveness. I didn't even know I had that. 
I had tried before to have overdrafts removed and was refused. 
Last month I was given 9-10 overdrafts-it cause me almost XXXX dollars. 
This month, they took that money out of my social security check. I make XXXX a month and almost XXXX dollars was taken from me. Now I am behind around XXXX XXXX I do have a line of credit and a loan with the bank I have been unable to pay. I can't pay. I can't buy food and the fact is I have no money. 
I pay my bills such as one for cable/internet and my phone bills. Everyday is now like something just get tolerate instead of liking. I honestly dont know how much longer I can take this. 
I also have my cat who needs to be fed and taken to the vet if sick. 
What do I do? What can I do? 
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 2019-07-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) XXXX XXXX is claiming that I made a {$500.00} payment which I didnt make and now the ( 3 ) credit bureaus have moved the date of last activity forward. This is clearly a violation of the Fair Credit Reporting Act to make up payments that have not been made in order to move up the date of last activity. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2022-07-08
Company: BHA Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At XXXX I received this text from this phone # which when I looked it up was a cell phone # ( XXXX ) XXXX : This is XXXX XXXX with BHA Services , Legal Department XXXX We are a Professional Debt Collection & Asset Recovery Corporation Please contact me today for further information. Thank you in advance. http : //www.bhabillpay.com XXXX XXXX This is an attempt to collect a debt. Thank you. 

I have no idea who this is, there is no opt out option, this was the message in its entirety, the grammar and punctuation is very suspicious, and I am current on all of my bills. This has to be a scam, please look into this matter I was not sure who this was and it scared me as I was waking up so I clicked the link. Something I normally would not do but I did.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I spoke with Citibank before applying for my AA rewards card. I specifically asked them if I was eligible for the XXXX rewards as I closed a similar account a little over a year ago. I asked them twice directly if I would still get it and they said yes that I would still get the points when I spent XXXX. A month went by and I spent XXXX and now they are telling me that I 'm not eligible for the points due to the previous card within the last 24 months. This is contradictive to what they previously told me on a recorded line twice. This is clearly a bait and switch and I want to see some accountability behind it.

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 2021-08-24
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a previous complaint against my loan servicing company Loan care for unfair loan modification practices. I was approved for the partial claim loan modification combo. I as a result of this loan modification program I was told that my new monthly payment would be XXXX. I was mislead by this company when I was told to sign the loan modification that would grant me the partial claim loan modification combo. When I called in to pay my mortgage I was told that my monthly loan amount changed from XXXX to XXXX. When I questioned what loan modification I was granted I was also told that I was granted the partial claim loan combo on various occasions when I Called in to speak to a Loan modification officer to address and get an understanding for such dramatic increase in new Loan amount. I never discussed with anyone in this company about wanting a standard loan modification. I was mailed a letter telling me that I was approved for the partial claim loan modification and that was what I understood I was getting when I signed the loan modification agreement. I would like to be considered for the partial claim loan modification I was approved for!!!

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 2019-11-26
Company: AMERICAN EXPRESS COMPANY
State: LA
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 opened a American Expess ascend ( now XXXX  ) XXXX credit card. The terms and conditions is I will receive XXXX sign up XXXX points once the threshold spent are met ( XXXX $ / in 3 months ). I met the threshold spent on XX/XX/XXXX ( opened the card on XXXX, XXXX ). According to XXXX XXXX XXXX  of the account, XXXX Honors bonus points, will be credited to my XXXX account 8-12 weeks after the threshold amount has been reached. Today XXXX, spoke to Amex representatives XXXX, XXXX ( supervisor ) and XXXX ( XXXX 's supervisor ) and they told me will not get my points until 92 days after XX/XX/XXXX in which they can not explained why the date different from XX/XX/XXXX. I have tried 6 different times to resolves this by telephone and chats but the Amex 's representatives all ( except one ) gave me the same mistaken answers without researching further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage is owned by XXXX XXXX and serviced by Seterus. In XXXX, I would have been eligible for a principal reduction for my mortgage of {$100000.00}. We were never informed of this option for our Mortgage. We filed for bankruptcy in XXXX XXXX. Our home was in foreclosure in XXXX and in XXXX of XXXX we modified the mortgage for 45 years this is not acceptable. We should have been offered a principal reduction in XXXX. The home in XXXX was worth XXXX and we owned XXXX. Now the home is worth XXXX and we owe XXXX a principal reduction is the only resealable solution for this problem. The mortgage company will lose more when we foreclose on the home. If we get a principal reduction we can stay in the home and make payments based on the value of the home. The mortgage company will recoup XXXX. If we foreclose the bank will lose much more than {$100000.00}. With a principal reduction, they are guaranteed XXXX. please refer to Schedule A Real Property in attached court documents

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 2022-02-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian refuses to provide a XXXX score. There reasoning is that I do not have enough credit ; however, I have XXXX open credit cards that are paid on-time and I currently hold a XXXX score with XXXX and 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 2017-08-17
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In a phone call on XXXX XXXX, 2017 two TransWorld representatives stated they will not discuss parking tickets in collections associated with a vehicle I own. They claim they can only discuss these tickets with my ex-husband, who was previously listed as an owner, in addition to myself, on the vehicle 's title. I am the only owner of the vehicle currently and have always been listed on the title. I am unable to discuss or settle my debt and as a result, will face severe material damages from being unable to legally operate my only vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion and XXXX have failed to clear inquiries related to fraud/identity theft on my Credit report that I have reached out to them twice with via certified mail over 30 days ago. I sent out certified mail to both bureaus in the month of XXXX, and XXXX to which they fail to notify me of results regarding my findings as well as refuse to respond to me. According to the FCRA Transunion and XXXX if they can not verify the inquiries where they came from where they have my authorization pertaining to my signature along with me stating authorized approval for these credit pulls they aren't allowed to hold these on my report. I will attach the following documentation that was sent to these bureaus below but it has also been over 30 days since either bureau has responded or got back to me and I am in the process of going for a home loan which this is severely hurting my credit. There has been over 5 unauthorized pulls on both these bureaus off my credit which weren't me I sent documents stating and proving it was identity/theft fraud and both these bureaus fail to get back to me and provide substantial evidence if so that these belong to me. I need the CFPB help in removing these fraudulent inquiries so that I can go for this mortgage loan that I am applying for because not only is it severely hurting my credit there is no factual evidence tying me to these inquiries and it wasn't 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 2019-11-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b,  Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry 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 2017-09-08
Company: EQUIFAX, INC.
State: GA
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:
Equifax was breached by hackers today X/X/2017 and I checked to see if I was a potential victim and I am. Formally filing a complaint against them for leaking personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sometime around the end of XXXX  of 2021, I received a notification that there was a Collection placed on my credit file. I received no communication from USCB by mail or phone notifying me of the alleged debt and my right to dispute until after I contacted the company. Only after I contacted the company via phone requesting a dunning letter, they sent one. I responded to the letter and they received it on XX/XX/2021, and have failed to provide me with the written information I requested within the timeframe of 30-45 days. It has now been 60 days and I have yet to get a response. I have sent them another letter asking them to delete the collection from my credit file because they were unable to verify the alleged account and have not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing took over my loan from XXXX XXXX XXXX in XX/XX/XXXX. I made my XX/XX/XXXX monthly loan payment to XXXX XXXX XXXX before I was aware of the transfer and began paying Specialized Loan Servicing in XX/XX/XXXX and have paid them every month on time from XX/XX/XXXX through XX/XX/XXXX. 
My first payment to SLS in XX/XX/XXXX was apparently applied to XX/XX/XXXX and they have considered me behind on my mortgage ever since. I received a delinquent notice from them in XX/XX/XXXX as a result and learned that my credit had been negatively impacted and called in to dispute that on XX/XX/XXXX. During that call I provided proof of my payment to XXXX  XXXX XXXX in XX/XX/XXXX. I was led to believe that the issue would be corrected. Over the past two months I have spoken with nearly a dozen of their customer service and consumer escalations reps during 10 calls and have provided them once again with proof of my payment to XXXX  XXXX XXXX in XX/XX/XXXX and proof of my payments to SLS from XX/XX/XXXX through XX/XX/XXXX. Nearly all of their reps clearly understood the mistake and claimed to submit cash correction tickets and credit department correction cases on my behalf. On XX/XX/XXXX, I was told that because the payment correction is more than 90 days old it can not be corrected. Because of their mistake and misapplication of my payment, I have had late fees assessed and had multiple delinquent payment occurrences added to my credit report that they are claiming to be unable and unwilling to correct. The amount that they claim is past due amounts to only {$300.00} or so yet they are severely impacting my credit. This is the worst company I have ever interacted with and there is no way that they should be permitted to service loans. Their support staff is friendly, but none of them are able to actually do anything, talk with anyone that can do anything or connect me to anyone that can do anything and it takes an inordinate amount of time just to speak with someone. Please help make them accountable for their mistake.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED IN MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation