BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX XXXX has mark me down for fraud or account abuse. I have n't committed any of that of my account. I took out a pay day loan and had it linked to my bank account at the time, I called the pay day loan services and asked them not to take money out of that account because it would n't be enough in there ( since I lost my job ) they refused. I passed that information on with XXXX XXXX, who informed me they would put a stop payment with the pay day services and they never did, which continued to allow the pay day service to debit the amount I owed, and the payment would come back returned leaving me with fees. I called XXXX XXXX every day for a week back in 2011, and they refused to fix the problem. I never committed fraud or account abuse with my account. XXXX XXXX refused to prevent the matter from escalating leaving me to pay fees that I could n't afford. 

XXXX XXXX has also written me off with the same thing. ATM abuse. When I lived in Idaho my identity as well as my girlfriends XXXX XXXX, was stolen. We wrote a report for the person who police already had in custody at the time but they refused to look further into the matter since he 's in jail. The police were also XXXX. And I 'm not saying that for pity or playing the race card, they were truly XXXX. Against my sexual orentation and my skin color, my girlfriends as well. I know this because they said it to my face. I requested XXXX XXXX to remove the account entirely due to fraud and they want me to submit a police report. I live in XXXX now. Since the bank is in the west coast the police in XXXX ca n't do anything about it. I 'd have to go back to Idaho. I called Idaho to get the police report number but they do n't have anything on file. I want that account removed. 

TD bank, a similar situation. My TD bank account was never comprised. My XXXX bank account was which was linked to my TD account. My cousins son XXXX XXXX, who is currently in custody for identity theft hi jacked my XXXX account and would make transfers from my TD bank in my XXXX and with draw the money. At the time I did n't really pay attention to any bank because I knew there was no money in either. I was n't big on online banking, but I kept getting mail saying I owe outrageous amounts of money. TD bank, I owed them prior and paid off my account so when I seen that I still owed them I did a little research and put two and two together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-09-12
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were transferred to Nelnet for servicing over the summer of 2022. I set up my account and successfully logged in once. I went back a week or so later and was unable to get in. I reset my password and was able to access my account. About a month later, I tried to log in again, and was not able to. I reset my password again, and was able to log in. Fast forward to today and I can't get into my account AGAIN. Not only are my credentials not working, my verification " picture '' keeps changing and rarely gives me the correct picture. 

This is making it IMPOSSIBLE to keep up with my student loans and changes to payments/forgiveness due to President Biden 's student loan forgiveness and/or payment deferments.

I can't even imagine how difficult it will be to make payments consistently and on time once they start back with this servicer. Of the three or more different servicers I've had, Nelnet is by far the WORST. 

If I can't do sometime so fundamentally simple like logging into my account how can I possibly trust this servicer with protecting my bank account information and correctly managing my payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: FL
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 consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three XXXX, Equifax, and XXXX to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hey guys, You are such awesome people. Need your help. 

In 2022 my tax assessor billed me incorrectly. They would later fix the issue and bill me the correct amount. 

The initial 2022 tax amount : {$2700.00} The corrected 2022 tax amount : {$770.00} The mortgage company increased my escrow payment to reflect the incorrect {$2700.00} escrow. My first attempt to get help was on XX/XX/2022 at XXXX. I sent a message via in-app chat to the mortgage company to run a new analysis on my property. I never received confirmation that they ran the analysis. 

12 days ago, on XX/XX/2022, XXXX XXXX  EST, I requested my mortgage company to run an escrow analysis again on the property to correct my escrow being nearly 3x what it should be. 

Since then, I have reached out via phone, twice via email ( XXXX ) & once via in-app chat. I have received no response from any of the 3 mechanisms except via phone I was told that " I will pass along the information ''. 

My mortgage company is a wonderful group and has always treated me well. Their support team is very kind. I am happy to be patient, just concerned that no one has even attempted to reply to my email or acknowledge my attempts to give them the correct information. 

My current escrow balance is {$2900.00} - far greater than the {$770.00} I was billed last year. By the time I pay taxes again, the balance of my escrow may be nearly double that. 

I have attached a screenshot of the old bill and the updated bill. Here is the URL to the XXXX XXXX XXXX XXXX website with updated info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thoughts on how we can help fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
In XX/XX/2022, I was approved for the American Express Blue Cash Preferred card ( account ending XXXX ), which advertised a {$300.00} " welcome bonus '' if you spend at least {$3000.00} within 6 months of account opening ( similar to the existing offer - see link below ). 

When the card eventually arrived at my home, I called AMEX customer service to confirm that I was eligible for the welcome bonus ( as I always do when I receive a new credit card ) and to confirm the terms. A customer service representative explicitly confirmed, over the phone, that I was eligible for the welcome bonus. 

Within the last week or so, I was able to cross the {$3000.00} spending threshold, which means I should have seen the {$300.00} credit. Today, I contacted AMEX customer service again, who this time stated that I am actually not eligible for the bonus, due to " account history. '' I was never informed of this, so the news came as a surprise. The representative informed me that she will open an internal investigation, but that I shouldn't expect a resolution in my favor. Hence this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have initiated the payment for XXXX several times for account XXXX the payment has been rejected with the Pro Collect representatives attempting to collect an amount that is over 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 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In a previous complaint # XXXX I filed with the CPFB on XX/XX/2021 I was awarded non-monetary relief by the Capital One Credit card company. They responded to my original complaint by stating they would reinsert the credit card account ( ending XXXX ) in my XXXX credit file. 
My complaint is that the tradeline was NOT reinserted in my XXXX credit report and therefore did not do what they said they would do. 

I have attached the previous complaint and a copy of my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Eagle Home Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have recently refinanced our home through eagle home mortgage. We used them when we first bought our home in XX/XX/2018 and our mortgage was transferred to a company called XXXX XXXX XXXX. Eagle home mortgage let us know that since it was tax season that our taxes would not get taken out of our escrow account but we would have to pay this up front which would require us to pay out of pocket over {$8000.00} but in doing so we would receive our total escrow balance which was around {$5500.00}. We made this very clear with eagle home mortgage since this was a lot of money we would have to pay out of pocket that we would need back. They reassured us that it would be fine and we would receive the {$5500.00}. We finally got the check from XXXX XXXX  XXXX today for a total of {$1200.00}. I have reached out to Eagle home mortgage today by email as well as XXXX XXXX XXXX and awaiting their reply.

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 2019-12-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to try to lease a car today XX/XX/19 and when they did the credit check I was told that I was not approved because there were some accounts reflecting badly on my credit report. None of those accounts belong to me. I suspect that they were opened by my aunt since she has the same name as me. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts. I did not make any payments or purchases with any of these accounts and I have never had any written/verbal contract with any of these companies. I have already gone to file a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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 consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three XXXX, XXXX, and Experian to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.

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 2015-11-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
They left a message for me and for my mother stating they were calling regarding a complaint that was going to be filed against me XXXX. They are a collection agency and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have previously filed a complaint against my mortgage lender, SPS, and after reading their response, I still am unsatisfied with what they are stating. My number one issue is the fact that they breached their contract with me. When I received a loan modification through XXXX XXXX XXXX, XX/XX/XXXX, the agreement was that my property tax and homeowners insurance were to be impounded. When SPS took over my loan in XX/XX/XXXX, they agreed to all terms of my loan modification. I received a letter in XX/XX/XXXX from SPS stating they are not responsible for my homeowners insurance and that I would need to pay it myself, due to the fact my home was considered a condo. I had no problem paying my own insurance for my home, however, when I was given a loan modification my mortgage payment included my property tax and my homeowners insurance, when they were no longer paying my insurance, my mortgage payment should of decrease by the amount going to my insurance company THIS NEVER HAPPENED. When I questioned the situation SPS stated my homeowners insurance was the responsibility of my Homeowners Association. This was absolutely false!!!! I pay 2 homeowners associations totaling {$200.00}. I wish my insurance was being included. SPS also stated that my mortgage company NEVER paid my insurance, which once again is false. Attached is a document from XXXX XXXX showing XXXX XXXX XXXX previously was paying my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI is reporting and attempting to collect on a debt that was covered by the VA. I do n't have any medical bills ever. As a veteran all my medical is covered under VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: PNC Bank N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed the account approximately XX/XX/XXXX. 
Funds were to be mailed by check to my home address. Never received the funds. 

Filled a complaint with company on XX/XX/XXXX and called ~ XXXX times between XX/XX/XXXX and XX/XX/XXXX. Was told they needed to move my complaint up the chain because they couldnt see the cashiers check number to cancel said cashiers check and reissue another check. 

Never heard back on the cashiers check number nor on the confirmation the check was recut. 

Approximately {$1400.00} has been missing for XXXX months and NO ONE will answer me on when to expect it. 

I have since moved from the address ( I moved on XX/XX/XXXX so WELL after the checks should have arrived ) and still no word. I need to check to be mailed to my new home address or XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have reported that there are fraudulent accounts in my report. It was already more than 30 days since I sent out the letters but until now I did not receive any response or results from 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 non-monetary relief
Consumer complaint received 2021-10-28
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
They gave me a line of credit for {$2600.00} i and from that i only receive {$2300.00} on XX/XX/21 i already pay back {$1000.00} to this date XX/XX/21 and they said that i still owe them {$2600.00} all the money that i paid when to interest i still owe more money that the gave me This is a completely rip-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX XXXX, XXXX XXXX., XXXX XXXX XXXX , XXXX XXXX  XXXX 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 2017-01-19
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been paying for many years ( probably over 3-4 years ) between {$400.00} and {$500.00} per month in student loans to Great Lakes and other Federal agencies and institutions, and I owe today more than I did when I started paying. I have not missed any payments, and I called to verify why and they stated that in all those years making over {$400.00} in payments PER MONTH only ~ {$4000.00} went to the principal. They also said that I should pay more money if I want the balance to go down and offered no real advise as to how I can get this balance to go down quickly. They said that my balance goes up hundreds of dollars a month. I asked for help and their only solution was to get me to pay more. I started with ~ $ XXXX about 4 or more years ago and today I owe basically the same amount or more after thousands in payments. This amount will keep going up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation