BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was alerted by my XXXX credit monitoring service that I had an account in collections with Allied Collection Services ( from a XXXX account ). I took the appropriate action, filed a police report with XXXX XXXX and an FTC Identity Theft Affadavit and submitted to all the credit bureaus. XXXX and XXXX immediately removed the account from my profile, however, XXXX has refused to remove it. After my 3rd phone call to XXXX in the last 6 weeks, I was advised by a  supervisor named XXXX XXXX, to file a report against the debt collector company through the CFPB as well.

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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
i was denied an apartment because of wrong information reported on my transunion report and XXXX credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the XXXX XXXX XXXX and XXXX i spoke with the credit agency XXXX XXXX  and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX  and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. 

i have reached out to transunion and XXXX  three times starting XX/XX/XXXX and until this day this has not been corrected ...

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 2015-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2015 Transunion had removed XXXX from my credit report as of today XXXX XXXX, 2015 it was added back to my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Performant Financial Corporation
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My Student Loan is with XXXX The principle balance is {$83000.00}. The loan went into default and the debt was sent to Performant for collection purposes. I explained to Performant and to XXXX PHEAA that I submitted paperwork for Income Based Payment Reduction. It was an error as this was paperwork I filed for my other Federal Student loans, which I received economic payment reduction approval for. I asked if there was anyway to submit the paperwork for this and the answer was no. The ONLY option I had to rehabilitate my loan was to pay Performant their collection fees plus interest. 
When I finally sat down to sign the letter to do so, I read that the max amount the can collect is XXXX %. The paperwork I received is calculated at XXXX %. I asked for them to correct the paperwork with a resounding NO from them. I have already made 3 payments to their rehab program for a 9 month plan. They tell me it is not counted toward rehab unless I sign these inaccurate documents. I had at one time suggested that I pay off the loan to see what they would negotiate. They failed to tell me that if I paid off the loan that my credit would continue to show the loan in default for the next 7 years. I believe that I am a fairly intelligent person who due to various circumstances holds student loans longer than planned. That being said, I do not believe this collector is behaving in a way that is honest and fair to the public. XXXX should also be held responsible as I was told they were the main driving force behind these ridiculous fees. To just enter the rehab program my principle balance will go from {$83000.00} to their {$100000.00} XXXX is a private company seeking the best interest of their investors but that does not mean we should be treated this way.

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 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
I currently have fraud on my Saks Mastercard account and upon contacting Saks i felt as if i was a criminal on my own account, i spent over 30 minutes on a phone call to report fraud to be interrogated as if i committed the fraud myself. I am completely beyond shocked at this type of experience. Then to be asked security questions that are public record to report fraud was an even more ridiculous question i was asked. I have no idea what Capital One thinks they are doing here but they need to remove these charges off my account. Then to have the nerve to tell me it takes two cycles to issue a temporary credit for FRAUD and have to make payments towards the fraud charges until they complete the investigation are you KIDDING me???? NO, capital one needs to remove these fraud charges off my account ASAP. FRAUD IS FRAUD my credit card was stolen along with many others and i want these charges removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Company name : Specialized Loan Servicing Company website : sls.net After receiving the payoff quote for my mortgage, I was charged {$25.00} per attempt for the payoff quote. I had to try a few times because the website was not working properly in one instance, and in another, I had to request a new payoff quote due to time elapsing.

It was not disclosed that I would be charged for the payoff quotes anywhere on the website that I found. There is a screen with checkboxes on it for verification for the terms of the payoff quote, and no charge was disclosed there. The FAQ section of the website also has no mention of a charge for a payoff quote. 

I discussed with a few operators and no one could definitely tell me they would add the disclosure. 

Attached is a screenshot of the website.

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 2020-05-16
Company: JPMORGAN CHASE & CO.
State: GA
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:
Respected Parties, I presently have an excellent Credit Score and am not a " problem customer '' -- in fact, I am the perfect customer as I utilize my Southwest Chase Credit card almost exclusively. 

During the COVID-19 pandemic I ordered four ( 4 ) items from the XXXX XXXX in the amount of {$100.00} which arrived damaged. My box did not come with an invoice or bill of lading -- it did not include any information as to how to return an item which is customary with the better stores. I spent many attempts to contact the XXXX XXXX, but the store was closed -- to no avail. I even filed several complaints online and not one of my complaints was answered. The specific details are : Order # XXXX Purchase Date Posted to Chase Credit Card : XXXX Amount : {$100.00} I then tried to dispute the chase charge online, but their website would not allow me to upload the documents. I got stuck wasting hours of time online only to be told to send my dispute in writing. Then on XX/XX/2020, I filled out their required form which could not be uploaded. Accordingly, I sent the hard copy to their office address which is : Cardmember Services XXXX. XXXX XXXX XXXX DE XXXX This is for card ending in XXXX I received a Determination in the mail stating that my dispute was denied today, XX/XX/2020. They outright lied by stating they sent me something in writing previously, but I NEVER RECEIVED ANY OTHER NOTIFICATION. 

I am disgusted with this Credit Card as they deny receipt of my written correspondence, I can not get through to them on the phone and their secure email has not been working. 

I spend far too much with them for this type of service. 

The CPB was created exactly for this purpose -- they are taking advantage of the pandemic by not responding to written correspondence and in denying all claims. SHAME ON THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit limit was dropped way down when my identity theft redulted in a fraudulent account appearing on credit report. 
All 3 credit reporting agencies have removed that from my report at the request of the XXXXXXXX XXXX who issued the fraudulent card. 
The Mastercard will not increade my credit limit even now. I called a few days ago. 
How long does it take them get credit report. My limit was dropped to {$250.00}. 
The company keeps telling me I need to use card more often but with limit that low I can not. 
I always pay my bills in full and have a credit score now in excellent range.

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 2022-02-22
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My property taxes are escrowed. Taxes through LoanCare , LLC were supposed to be paid to our city by XX/XX/2022. Supposedly they sent our payment on XX/XX/2022, however the city of XXXX XXXX didnt receive it until XX/XX/2022. We received a delinquent notice and contacted XXXX LoanCare , LLC, and was told they would be sending payment within 5 business days. As of today, XX/XX/2022, which is five business days, the payment still has not been sent. Contacted XXXX LoanCare , LLC again and was told that now they wont be sending it u til XX/XX/2022. This will not only cause additional late fees, but will be a never ending thing as they will pay the wrong amount and I will have more fees and have to continue to call and here they will pay it next month, etc. this puts my house in jeopardy of being taken by the city. When I asked why it wasnt sent in the 5 business days they had no answer and blamed the postal service. I told them they are violating federal statutes with regards to timely escrow payments, and was given the run around. This is not ok. I pay my payment ahead of time, and for them to have my escrowed money and not pay the taxes on time ( 33 days in the mail supposedly ) is not acceptable and as I review complaints on the XXXX  we are not the only one with this issue. This company should not be allowed to get away with this. They also do not send my monthly statements on time as they are required. I receive them four days before the due date but their excuse is I can go online to their website and look at it. I did not sign up for electronic statements as I like paper hard copies. This company needs to be looked into and told they can not violate laws. This is my first mortgage and is the worst experience ever. I have had nothing but issues and need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Credit Systems International, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my XXXX credit report states that I have accounts in collection that have been paid by insurance that I had when I was working. I no longer work for that company and I became homeless and was living out of my car from XXXX 2015 until XXXX 2015. I do not have the paperwork anymore because of living in the car. XXXX has removed the ones that XXXX still has n't removed and I would like to have them removed as I no longer owe them and the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In 2007 XXXX XXXXXXXX XXXX enrolled me into their Vet Prep program. The only choice to pay for that semester was to use a private Sallymae loan. Being the first generation to attend college my father who has now passed was the only source of financial knowledge I had. He looked at the loan terms with me and even co-signed the loan. It cost XXXX for the vet prep program and I failed one class with a D. I called and begged for the professor of that class to see me. He would not and you are not allowed to repeat that semester. So I was out XXXX and no Chance at Veterinary degree. I have since paid triple of what the original loan was and still owe more than XXXX. It is now with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: AR
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 XXXX  XXXX IS STILL REPORTING AFTER THE S.O.L..EXPIRED AS WELL AS RE-INSERTED BACK ONTO XXXX  2012 AND XXXX 14 TIMES. SEE  LETTER FROM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Credit Card Receivables Fund Incorporated
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This company has put a judgement on my property located at XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Judgement is XXXX XXXX COUNTY XXXX XXXX FOR XXXX. It have disputed this information for seven years now and have even put a case in with the state. Please have it removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have spoken to JP Morgan Chase numerous times. They gave me a loan modification and I still can not pay because the payments are more than I receive from social security. My home is currently for sale and when it sells I will pay off the loan. Calling me and sending letters and emails does nothing but continue with their constant harassment. This behavior is why people dislike Chase bank. If this continues I will have to change my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information on 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 2020-01-14
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter in XX/XX/2019 that a flood map changed and I was required to obtain flood insurance or the company would force place. I did immediately obtain flood insurance. As I looked in to the matter more I found that the condominium is NOT in a flood zone, the garage that is a separate building, attached to many other garages is in a flood zone. I spoke on the phone to the escrow dept to somehow come to an agreement about possibly lowering the amount necessary that I needed to carry so that I only had to pay for coverage for the garage. The condominium is on the 3rd floor of the building and again, not in a flood zone according to FEMA. I  sent in a complaint letter again, requesting Mr. Cooper review the issue and lower the amount needed for the flood policy or possibly waiving the flood requirement. I received a letter with the same answer that I was receiving from the escrow dept. I then sent the person who sent the answer to my complaint an e-mail on XX/XX/2019 requesting a copy of the notification Mr. Cooper received from FEMA. If that notification has a PIN number on it, it will be the PIN of the garage. The condominium itself has its own PIN number. I was hoping this would help Mr. Cooper see my complaint more clearly. The person has not answered my e-mail or sent me the information that I requested. I sent a second e-mail on XX/XX/2019. I am willing to compromise and make sure the garage has the flood insurance based on its value but I find it ridiculous that I have to carry coverage of {$140000.00} ( my loan balance ) for a garage that is only worth {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Our HELOC loan was sold by XXXX to XXXX ( XXXX ) and then to SLS. We have made consistent payments with additional " principal '' and submitted on time to the servicing companies. After noticing not much reduction in the balance, we questioned XXXX ( contact no longer available ) on several occasions and was given the " run-around '' or not responded to. Once XXXX sold the loan to SLS, we advise them of the issue and asked them to provide us : A ) Actual amount borrowed on HELOC. B ) Total amount of additional principal payments made. And, C ) Total amount of additional payments applied to loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$1200.00}, and now I'm told that I owe more than $ XXXX. Was not told this when I did the money loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, 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 disputed with the credit beau regarding XXXX of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I made a {$5000.00} payment to be applied to the principal of my loan on XX/XX/XXXX. SLS processed the check on XX/XX/XXXX. As of today, XX/XX/XXXX the funds have not been applied to the principal as requested and my most recent statement indicates some of the funds are held in a " Suspense Acct '' while the remainder have been incorrectly applied to a mortgage payment. I have made multiple calls to SLS but they have not resolved this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Specialist Loan Servicing is doing eveything in their power to deny my loan for any assistance. I have reapplied numerous times however, they keep using less income then what I summited in my application for mortgage assistance. I have appealed and have provided proof of my income but SLS is refusing to use my whole income, making me look like I can not afford my house. I am tired of the excuses they are giving me when I have provided my bank statements for proof that I received direct deposit from my job and also I am collecting rent. I have provided SLS the rental lease as well, I honestly do not know what SLS intentions are at this point. I have tried to work directly with them but once agin this issue is not been resolve. I am falling more behind because SLS is prolonging purposly my loan so, it will me more hard to be approve for any government modification. I have a surplus of {$300.00} left after covering all expenses, inculding mortgage payment. SLS want to floreclose my property by making me fall more behind. I am running out of options and it is really upsetting that even with proof I have provided, SLS does not want to offer me a modification. My home is under water and I want to be provided an affordable mortgage payment, so I can get back on track and save my house.

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 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
In accordance with the fair credit reporting act XXXX Account # has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation