BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: Specialized Loan Servicing Holdings LLC
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage company has failed to make the tax payment for the year and we are getting late notices from the county with interest. We have reached out to the company a few times and they have not fixed the issue. They bought our mortgage a few months ago and have been extremely difficult to deal with.

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 2021-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, as I was getting ready for my wedding, I received a call from a number that came up Chase on caller ID. I answered it and a lady told me that she was from Chase. Presented me with her " credentials '' and claimed that someone gained access to my bank account and was sending money through XXXX. The lady had my full name, address and Social security number. Being it was my wedding I wanted to get this straightened up since I was leaving for my Honeymoon the next day. The lady walked me through the process of unenrolling from XXXX. I filled out my name and number and all that. By the end of the call the lady drained my bank account to XXXX. I had a lot on my mind so I was just trying to get this taken care of. After I realized what happened I called Chase immediately and filed a claim with them. They said the investigation would take up to ten business day, no credit or anything from Chase. The ten days went by and I have yet to see the money from Chase. So I called on the XX/XX/21 which was the XXXX business day and after waiting on hold for an hour and being transferred around a couple of times they told me that they denied the claim. I didn't agree with this so I asked to talk to an account manager. I went through the whole thing again that I explained to them two weeks prior and she told me that they filed the claim as Fraud and not as a scam. They resubmitted the claim on XX/XX/21 and it was another ten business day wait. I called on the XXXX day ( XX/XX/21 ) just to get an update and the guy on the phone said that XXXX was going to send the money back by the XX/XX/XXXX. That day came and went so I called Chase on the XXXX business day ( XX/XX/21 ) to see what was going on and they told me that the claim was denied and the only thing they could do was suspend the XXXX user that my {$1000.00} went to but I would not be getting reimbursed for anything. It has been a month since this happened and I haven't gotten a XX/XX/XXXX back from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have submitted an identity theft block to XXXX XXXX and Trans Union. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block 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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called equivalence to have account removed from credit report citing violations pertaining to my consent and privacy Siting these US Codes Title 15 Chapter 41 1681b Permissable Purpose Title 16 Chapter 94 I was like accounts removed from my credit report. 

XXXX and Transunion acted fraudulently and on my behalf and I did not knowingly consent to these partial practices as they are violations of my consumer rights

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 2021-11-16
Company: AES/PHEAA
State: NJ
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:
Fedloan Servicing Account # XXXX XXXX XXXX Loan 1 Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Disbursement Date:XX/XX/XXXX Current Amount : {$11000.00} Loan 2 Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Disbursement Date:XX/XX/XXXX Current Amount : {$3100.00} I am a XX/XX/XXXXwith the XXXX XXXXXX/XX/XXXX in XXXX XXXX , NJ . I was told by my loan service company that I qualified for the teacher loan forgiveness program and the public service loan forgiveness program as a XXXX  working with XXXX XXXX XXXX XXXX XXXX. After 5 years of working as a XXXX  XX/XX/XXXX, I was told by the service company that I could apply for the teacher loan forgiveness, and then after 5 more years of working, I could apply for the PSLF and have all my loans forgiven. I was advised to make my payments on time which I did. I followed their advice and after five years of working received XXXX in forgiveness from the teacher loan program. After 5 more years ( XX/XX/XXXX ) of working, I submit my PSLF application to certify employment and all my payments credited as I was told I would. After checking my account online and reviewing my payments, they had noted that I was in a payment plan that did not qualify and to add insult to injury that since I had received the XXXX in teacher loan forgiveness that those 5 years did not qualify. I now basically had no payments that qualify. This is beyond deceitful, malicious and I don't even know what else to call it. I was lied to and given inaccurate information. If I would have been accurately advised, I would have been enrolled in a payment plan that would qualify me for PSLF. Furthermore, I would have not applied for the teacher loan forgiveness plan if it would have only granted me XXXX of loan forgiveness and set me back 5 additional years of payments to reach the 10 years ' worth of payments to qualify for PSLF. I would have only applied for the PSLF forgiveness. I am sure they misinform student borrowers on purpose so that their loans are not forgiven and they can keep making money for servicing these loans. I tried to speak to a representative of the loan company to resolve this issue with no success. I don't want the teacher loan forgiveness XXXX initiative. They could add those XXXX back to my loan account. I am so disgusted by this process and malicious intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Opened>> XX/XX/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 2021-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2017-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On  XXXX   XXXX , I called Chase Bank asking to use th e Stop Payment Service on two  incoming charges of {$650.00} and {$430.00} from  XXXX , an online service company. I was worried about the money because I saw some negative reviews about  XXXX  and could n't find a way to contact them. The  Chase  representative reaffirmed me that as long as I gave them the correct amount, Chase would reject any payments matching that amount regardless what other names  XXXX  might use.  <P/> On  XXXX   XXXX , I called Chase to cancel the Stop Payment and if I could get a refund for the Stop Payment fee that was charged. The representative refunded the fee. And I was aware that even if Stop Payment is canceled, it would still be effective for  one day, so the two p ayments would n't be charged until  XXXX   XXXX . And just to be safe, I deposited an additional {$1000.00} at  XXXX   XXXX  into my account for any unexpected issues. However, I found out later that my account had an overdraft fee of {$100.00} because of the two payments of {$650.00} and {$430.00}. If the payments were charged like what was promised on  XXXX   XXXX , there would be no overdraft.  <P/> On  XXXX   XXXX , I spoke to Chase, they refused to refund the entire {$100.00} due to the courtesy limit and insisted that no mistake was made on their part. I explained my situation t o   XXXX  , t he supervisor, she was just as frustrated as I was. And told me that they will listen to the types to see if I was telling the truth.  <P/> I feel extremely disappointed in Chase. Used to think that Chase was the better bank. Now, or maybe I was just wrong,  Chase  like the others will look for ways to reach in your pockets for fees. I really want to know what happened to the overdraft fee ban. Can a bank just be a bank? And not act like a government entity constantly seeking ways to punish people financially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$1700.00} XX/XX/XXXX XXXX Balance Owed : {$1800.00} XX/XX/XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
there was a credit balance on my XXXX XXXX XXXX XXXX I told American express to transfer XXXX XXXX XXXX credit balance to my American express XXXX XXXX, after several calls my credit balance from XXXX XXXX XXXX  card was transferred to XXXX XXXX card but a debit balance was also entered in XXXX XXXX XXXX XXXX card ending in XXXX Several calls and online messaging has been done, but to no avail. 

Service is ridiculous. 

take a very long time to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disputed XXXX on my credit report with XXXX XXXX and Transunion multiple times with no proper response or investigation or re investigation. I am asking once again to have XXXX removed from all XXXX CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown. The loan started with XXXX XXXX the day they collapsed. Then was handed off to. XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX these XXXX were shut down by the federal Government, XXXX XXXX XXXX, and Last XXXX. who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting. Please provide legal documentation or remove from my credit report.

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 2021-11-16
Company: Aqua Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX XXXX, I recently purchased a home at XXXX XXXX XXXX in XXXX XXXX, FL on XX/XX/2021. On XX/XX/2021 I agreed to purchase a water softener system for my home from XXXX XXXX XXXX and the loan would be financed for XXXX through Aqua Finance. According to my contract, my payments were supposed to be deferred to 3 months from the date of the contract ( XX/XX/2021 ). However, I received a call from Aqua finance and they stated that my first payment was due XX/XX/2021 and that I had incurred a XXXX dollar late fee. I called them back ( XXXX ) this afternoon and Spoke with XXXX. I explained to XXXX that I would not be paying the XXXX dollar fee and he agreed to waive it as a " one time courtesy '' but refused to change my payment date to the agreed upon date according to the contract. I asked XXXX to speak with his manager. I was then connected with XXXX the manager who explained to me once again they can waive the late fee this one time as a courtesy but, the latest they could make my due date is the XXXX not the XXXX. I explained that is not what the contract says and he said we are two separate companies and his system will not allow him to change it to anything past the XXXX. I live on a budget and I have budgeted to make this payment on the XXXX of every month like it was agreed upon in the contract. I have attached the contract as well as the statement they sent me in the mail saying I owed them XXXX dollars by XX/XX/XXXX. XXXX also explained to me he can not change my due date until I pay my already " overdue '' XXXX balance and he still will not change the date to the XXXX but, just the XXXX. I personally feel like I was swindled by this company and do not recommend anyone do business with them. I have never missed a payment on anything on my credit and now even though the company says they will not report the missed payment. How can I trust them when they can not even honor a contract. I understand Aqua Finance and XXXX are different companies but, they work hand in hand together and the contract should be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Three times I have tried to pay my credit card debt. Twice,  CapOne  has been unable to process payment. There is no response to the third attempt. This page summarizes the events. Numbers in brackets refer to documents, a ttached. All dates are in 2017.  I trust you can help resolve this situation.     First Attempt On  XXXX   XXXX  I mailed a check for {$9100.00} to CapOne [  XXXX ,  XXXX  ].  CapOne  acknowledged receipt [  2 ]    The check was drawn on my  XXXX   XXXX   XXXX  Account (  XXXX   ) . I have used that account for years to pay major bills ; e.g.  Federal, State, and Municipal taxes. I also use it to p ay my  XXXX   XXXX   XXXX  card in full every month. Never a problem -- until  Capital One.      On  XXXX   XXXX , I phoned Capital One to inform them I would be in  XXXX   XXXX   XXXX . From the recorded message, I learned that my account owed {$9100.00}. I called the credit card assistance number. The representative informed me that my check had been returned for insufficient funds.     I stated that couldnt be true. The representative then initiated a conference call to my broker,  XXXX   XXXX   [  3 ].  XXXX   XXXX  stated no check had been presented by  CapOne  to  XXXX . Furthermore, he stated there was plenty of cash available to cover the amount. The check would not have been returned for insufficient funds. The CapOne representative referred the matter to Research and stated it would take  2-3 wee ks.     Upon my return from  XXXX  on  XXXX   XXXX , I received a report [  XXXX ,  XXXX  ] stating my check had been returned for insufficient funds.. But there is no evidence of submission to   XXXX   or return.     Second Attempt While in  XXXX , I checked my email on  XXXX   XXXX . There was an email demanding payment by  XXXX   XXXX   [   5  ]. I immediately phoned and offered to pay the full amount by wire transfer to any bank Capital designated. The representative insisted they couldnt do that. The best I could do was pay {$91.00} in interest [ 7 ].     Third Attempt On  XXXX   XXXX , upon my return from  XXXX , I wrote to  XXXX   XXXX   XXXX , Vice President of Customer Management, and enclosed a check for {$9000.00}, my debt less the interest paid [ 1 ]. Again, I used my  XXXX  account since it has sufficient funds. I have received no reply. Meanwhile,  Capital One  has demanded that I make a minimum payment by  XXXX   XXXX   [ 6  ].     Conclusion   1.I want to pay my debt in full. ( It was a single transaction by the way. ) 2.I do not want my credit damaged.
3.I do not w  ant to pay interest and penalties since the problems appear to lie within  Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX  XXXX are debt collectors attempting to collect multiple debts from me on behalf of medical services, I have not received from them. My credit file was flagged two times on XX/XX/2021 for {$2200.00}, and for {$1000.00}. 
I am not a, party to their agreement with XXXX XXXX XXXX and I have not agreed to pay anything to The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as Law Offices XXXX. I did not receive any documentation from The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as LXXXX XXXX XXXX to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection I have no idea how The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX  XXXX are received my private medical information. The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX are violated my H.I.P.P.A. rights and is attempting to collect multiple debts that do not belong to me. The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. 
Please be advised that The Law Offices of Mitchell D. Bluhm and Associates are not holders in due course and they do not have a permissible purpose to use my private information.

Company response to consumer: Closed with non-monetary relief