BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Good Morning- I submitted a request to FedLoan Servicing  on XX/XX/XXXX to qualifying my employer, The Department of Interior Bureau of Land Management , for Public Service Loan Forgiveness . They denied my employer, even though they are a qualifying employer because my loan was consolidated after the time I worked there and my payments during that time do not count toward loan forgiveness. Regardless of whether or not my payments qualified, I would like my employer verified. I have attached the letter of denial from FedLoan Servicing and an email chain showing how I tried to resolve the situation with FedLoan Servicing. 

Again regardless of whether or not my payments were qualifying, my employer should be verified. FedLoan Servicing did agreed that my employer qualifies as a government organization. I was employed from XX/XX/XXXX through XX/XX/XXXX. 

Additionally, the payments I made during this time period, XX/XX/XXXX through XX/XX/XXXX, do qualify for the PSLF program. I was paying through a 10-year Standard loan program. Everything I have reviewed for PSLF states that these payments should qualify for the PSLF program. 

Please help me resolve these issues with FedLoan Servicing. 

1 ) I worked for a qualifying employer from XX/XX/XXXX through XX/XX/XXXX, the Department of Interior Bureau of Land Management. 

2 ) I made qualifying payments from XX/XX/XXXX through XX/XX/XXXX, in a 10-year Standard loan program. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was contacted for some one that offered me a job by my XXXX XXXX Email through my college, they offered me to wrap my car with advertising with a product called " XXXX XXXX XXXX " and they would pay me XXXX XXXX XXXX weekly, I accepted the job because I thought would a good opportunity to improve mi income. After this, the company asked me about my personal information and send this to them. Next to this, they sent me a check for {$4.00} and told me that I would can get my {$500.00} dollars and the rest, {$4.00}, would pay the person who would come to my house to wrap my car. They sent me a check. I printed, and deposited it in my account. Some minutes later, my bank contacted me by email where they said that a fraud activity was done in my account. I called the bank and talked with some one and this person told me that my account was frozen, and I had to call to the fraud department. I called them the next day and someone told me that they had canceled and closed my account. I tried to explain them, but they did not want to listen me and they were really rude with me. If I did something wrong, I did not have the knowledge, and I was really XXXX and unintentionally. They did not take the time to review the case, make an investigation and try to help me. They made me feel like a criminal, despite I had the account with them for several years.

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 2017-08-19
Company: Veros Credit, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My loan payment to Veros credit was due on XXXX XXXX, XXXX I called on XXXX XXXX to set up arrangements and spoke with a rep who gave me the total amount due for XXXX and XXXX and I went online and set ily he automatic payment. Since I have received 4-6 phone calls per day, no messages left and then they started repeated phone calls to my job and then they started calling my mom. I spoke to a supervisor who told me their call log regenerates and they call any number they have on their. The phone calls I 've received AFTER speaking to their representative and setting up the electronic payment are as follows : To my cell phone # ( no messages ) Wednesday, XXXX XXXX -- XXXX, XXXX, XXXX Thursday, XXXX XXXX -- XXXX, XXXX Friday, XXXX XXXX -- XXXX, XXXX, XXXX Saturday, XXXX XXXX -- XXXX, XXXX To my MOMS cell phone : Saturday XXXX XXXX -- XXXX XXXX Friday, XXXX XXXX -- XXXX XXXX, XXXX, XXXX Thursday XXXX XXXX -- XXXX, XXXX, XXXX Wednesday XXXX XXXX -- XXXX, XXXX, XXXX I can not list the times they 've called work, but there has been repeated phone calls from veros credit to my work line but they hang up or do n't say anything per my coworkers. I called again on Saturday to speak to a supervisor or said there was no notes in my account but she saw the arrangement set up? The supervisor assured me that their collection practices were not harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Inquiries on my account WO permission. Never asked to run been fighting 2 years. Please help removed. Called bureau soany times. No help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX Never used this service. Applied for it and received a card. Charged me {$180.00} and the goods were returned to XXXX and a credit was given me. Although i had card, i already had money on account with XXXX to use to pay for what i bought. XXXX XXXX has called since XX/XX/XXXX for the above amount, not owed and the only bill received, every hour on the hour, every day, including today XX/XX/XXXX. Three months of calls, every hour of every day for 3 months approx for money i paid direct to XXXX. Tried to explain to XXXX XXXX 45 times for a total of approx 40 hours of explanation. It still goes on.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account # XXXX on XXXX of 2021 I was late on my monthly payment due to XXXXXXXX. Me and my wife where both XXXX  during that time and unfortunately we were unable to make the payment. I called XXXX XXXX XXXX to see if they could remove my late payment and the representative that i talked to said they where unable to remove the payment. He said that even if I sent a good faith letter they would not remove it. I pleaded with him and let him know that the payment was missed due to being XXXX XXXX XXXX XXXX He went on to tell me that if I would have made the payment 2 weeks before hand this wouldn't have happened. I let him know that getting XXXX where not in my plans and that if I forgot about the payment was because I was more worried about getting out of the hospital alive then making sure I made my payments on time. He then went on to make fun of my illness. That's when I asked him if I could speak to his manager. He took down my number and told me that the manager would reach out to me within 24 hours. Its been a week and still no call from the manager. I'm writing this complaint to see if you can remove this late payment from my report since XXXX XXXX XXXX will not do anything even under my circumstances. I hope you can find it in your heart to remove this for me. I would really appreciate it from the bottom of my heart.

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 2022-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
My name and information was used fraudulently with a Capital One Credit card, the account was opened XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity account with Citibank. The primary mortgage holder requires that I maintain home owners insurance on the property which I have done since the mortgage account was opened in XXXX of XXXX. My current insurance coverage has been with the XXXX XXXX since XXXX XXXX, XXXX. XXXX XXXX XXXX. Before that XXXX provided coverage. This insurance protects the interests of all parties : the owner, the primary mortgage holder and Citibank, the secondary mortgage holder. Despite this fact, Citibank opened, maintains and charges me for an additional homeowners policy. Recently, I notified Citibank AGAIN that I have my own homeowner policy. I forwarded them a copy of the policy with XXXX. In letters dated XXXX XXXX and XXXX XXXX, XXXX, Citibank XXXX XXXX ACKNOWLEDGED my coverage with XXXX. However, as of today, XXXX XXXX, they have made no adjustments, issued no refunds and continue to charge me for their insurance. Further, in XXXX, Citibank paid out $ XXXX to settle a case for this very same time of behavior known as " force-placed insurance ''. But Citibank continues the practice.

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 2022-02-16
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the XXXXredit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Florida XXXX I have proceeded to send all ignored/disregarded disputes and complaints to the following personnel at your agency XXXX XXXX Executive Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX President, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Chief Executive  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PLEASE SEE ALL ATTACHED FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions 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:
I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. XXXX  XXXX BAL XXXX {$15000.00} and XXXX XXXX BAL : {$3300.00} On all 3 credit bureaus. 

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.

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 2022-07-07
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the federal credit act 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX  ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the federal credit act 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )

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 2022-07-07
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Allied Collection Services on behalf of a XXXX XXXX ( single individual person ) is claiming I owe their client {$3100.00}. I have never owed this person this amount of money. I have requested to prove that this account belongs to me, by sending Allied Collection Service via U.S. Postal Mail Return Receipt correspondence requesting a original contract and/or an Agreement etc. stating how and what I owe this person for and to date they have ignored my request. Not to mention, they have not ever sent me correspondence allowing me to respond to their claim, it just suddenly appeared on my credit profiles out of nowhere. 

I have tried to contact Allied and no response.

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 2017-08-19
Company: Experian Information Solutions Inc.
State: DE
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 from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$XXXX} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.

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 2021-08-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please see attached letter. 

I recently found out the unpaid principal balance for PHH Account Number was incorrect for the past 4 years after the discovery of an egregious error that would have never been found had I not challenged the HUD Claims that were advised would be included in The PHHMortgage Corporation Loan after completing a XX/XX/XXXX Loan Modification. The unpaid principal balance for the FHA PHH Mortgage Loan Account Number unpaid principal balance was over billed an additional {$21000.00} and PHH Mortgage received another {$21000.00} from HUD! I was grossly overcharged as I suspected! My original loan was {$240000.00} in XX/XX/XXXX. How do I owe $ XXXXand {$61000.00} totaling {$240000.00} as of XX/XX/XXXX? 

I received a letter dated XX/XX/XXXX from XXXX XXXX that states theunpaid principal balance for Account Number XXXX is now {$170000.00}. 

I previously received a letter dated XX/XX/XXXX from XXXX XXXX thatstated the unpaid principal balance for Account Number was {$170000.00}. 

I have also received multiple pay off notices : XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$180000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$180000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$270000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$250000.00}. 

I have not received a detailed breakdown of every re-applied payment since XXXX through XX/XX/XXXX. There have been too many discrepancies and errors in how my loan modification and loan payments were calculated. I've received numerous calls from PHH Collections advising I owe various balances as high as {$79000.00} and misdirecting me to contact Relationship Managers who are inept in resolving the issue. I was also given direction to speak with a relationship manager for help with paying my loan balance even though I was not behind on my mortgage. 
I have paid my mortgage loan amount each and every month since XXXX. 
I wasdouble charged {$21000.00} in error and the interest PHH gained for those 4 years were not mentioned in the calculation of the new principal loan balance. I request for the HUD Partial Claims for {$40000.00} and {$21000.00} totaling {$61000.00} be paid by PHH Mortgage Corporation forthe egregious calculation errors and delays made by PHH Mortgage Services in the handling of both Loan Modification Agreements from XX/XX/XXXX and XX/XX/XXXX. 

I escalated this issue because I have not received a detailed breakdown of ALL reapplied mortgagepayments from XXXX to current date along with interest accrued from 4 years of being overcharged for the Principal Loan Amount from XXXX Loan Modification Agreement, double billed {$21000.00} and late charges billed that are included in the unpaid principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: VA
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 submitted a dispute I the bureau and to date they have nor opened up an investigation nor have they responded to my previous complaint I filed about this involving my reports. My dispute was received by them on XX/XX/2020. Here is the USPS tracking for it confirming its delivery : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/2015 Amount : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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