BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
As per the CARES Act, I called Aidvantage on XX/XX/XXXX and made two requests : 1 ) That all payments made to my Federal Student Loans between the dates of XX/XX/XXXX to XX/XX/XXXX be refunded to me and 2 ) To request that my future automatically scheduled payments be paused until the end of the moratorium.

During said phone call, I was advised that a refund in the amount of {$2100.00} would be directly deposited into my bank account in 2 to 3 weeks. During this same call I was also advised that all of my future automatically scheduled payments would be paused and would not resume until XX/XX/XXXX. 
On XX/XX/XXXX, about a week after the phone call above, a payment was automatically drafted from my bank account in the amount of {$94.00}. I called Aidvantage to request that these {$94.00} be refunded back to me in addition to the previously discussed {$2100.00}, and again requested that my future automatically scheduled payments be paused. During this phone call I was advised that both refund amounts of {$2100.00} and {$94.00} would be refunded to me via direct deposit by XX/XX/XXXX. The {$94.00} was refunded to me on XX/XX/XXXX. 
Since the phone call made on XX/XX/XXXX, I have made four ( 4 ) additional phone calls, and I check my account profile online for status updates regarding the refund amount of {$2100.00} multiple times a day. 
During my most recent phone call with Aidvantage on XX/XX/XXXX, I was told that the refund in the amount of {$2100.00} should be refunded to me via direct deposit within 5-10 business days. However at the time of this writing I still have not received the refund of {$2100.00} nor has my account online been updated with any status updates. At this point I feel that Aidvantage is purposely withholding my refund. Without the assistance of the Consumer Financial Protection Bureau I do not believe I will ever receive this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
HI.They again increased a mortgage monthly payment.I had an increase in XX/XX/XXXX.Now second time.My first mortgage payment was $ XXXX.Now they want $ XXXX.This is {$180.00} more from the begins.This 13 months period when my mortgage increased by $ XXXX.My increased mortgage in XX/XX/XXXX had included new taxes.Now there was not change in taxes and not changes in mortgage insurance but they have increased escrow by $ XXXX.I beg please help me.I trace financial liquidity.PLEASE HELP ME BECAUSE THEY ARE CHEATING ON ME. 
They did not answer to me previous complaints.Now 15 days pass. 
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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
in 2015 I went to bye a pickup truck from a dealership and that is when i was informed that i had purchased a home in Texas and also bought a car in XXXX XXXX so ever sense that day my credit score has went down. the thing that i do not know what to do

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 2017-10-17
Company: Caneel Capital, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Trinity Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and their number is XXXX : ( XXXX ) XXXX. They hold a XXXX mortgage on the property. There is a senior lien on the property from XXXX XXXX XXXX, XXXX and they have approved short sale on the property which expires on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX i was advised by Trinity Financial Services , LLC that the investor on the mortgage have approved a short sale offer for {$8200.00} to close the short sale.Alos, advised please provide acceptance or decline by XXXX/XXXX/XXXX at XXXX, which the oofer acceptence email was sent tot hem the same day on XXXX/XXXX/XXXX. Since, then every time they are being called for update they are providing the same response for the past 15 days that the approval letter needs to be signed by their upper management and its not signed. Every time, when a call back is being requested from the supervisor the call is not being returned and they hang up the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I learned from a credit reporting agency that an inquiry was made by First Progress, resulting in a drop in my credit score. 

After learning of this, I logged into the First Progress website and discovered an annual service fee and late fees on my billing statements. I called First Progress after discovering these fees. 

I am aware that this card has an annual fee ; however, I had discontinued using the card for the past year or two and because the card hasn't been used I stopped logging into First Progress website to check my balance. I expected to be notified via email, phone, or mail when the annual fee was due. 

I received zero notifications. 

I have reviewed my statements on the first progress website ; apparently, the annual fee of {$44.00} first appeared on a statement dated XXXX XX/XX/2019. 

Unaware the {$44.00} fee was due in XXXX, I did not pay it as I was not made aware of the balance. 

The next statement indicates that a late payment fee of {$28.00} was billed. And another statement to follow indicates an additional late payment fee of {$39.00}, giving me a balance of {$110.00} owed. 

Again, I only found out I was being billed for anything by the dip in my credit score via a credit reporting agency. You can imagine how this could have snowballed into owing thousands  of dollars to a company who's services I have ceased to use if I hadn't looked at my credit report. This seems unfair, unethical, and quite frankly, predatory. 

The representative at First Progress I spoke with had little to say when I explained that I had not received any bill, but did offer the removal of the recent {$39.00} late payment fee, explaining that that is all they could do. So I paid the remaining balance of {$72.00}. 

I have since closed my account with First Progress and am awaiting a refund of the original deposit I made when I opened the account. I was told by the representative I spoke with that a check for my original deposit would be mailed to me. 

It has been close to a month and I have received no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GAXXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX bankruptcy dischargedDate Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX ( Original XXXX : XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$4000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$970.00}, XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX 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 non-monetary relief
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The CU stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 belongs to someone else

Complaint:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. 
XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX 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

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 2022-08-15
Company: EQUIFAX, 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 ordered a copy of my report in XXXX dated XXXX and I found out that credit reporting agencies still indicate my disputed of items in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days to correct the inaccurate items. The following items are listed below that need attention because it was reporting error in my file. 
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 Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Factor Trust
State: MT
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. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX  - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Initially applied for a home refinance on XX/XX/19. Completed all requested application and follow up documents within 5 days of application and used portal to verify and upload other as request. Was told would take 20-30 days to close this refi. Over the course of the following weeks, I consistently called or e-mailed for status and was told one thing or other delaying the closing. I was also told the new lender was having difficulty obtaining the payoff of current loan with current bank. I had to do it myself and send the bank letter to the new lender, Quicken Loans ( XXXX XXXX  via Rocket Mortgage ). When reaching the 60 day mark I again contacted my loan officer at Quicken to pressure on closing and I threatened to cancel the entire thing. I did get a call from the closing team to schedule my closing finally on XX/XX/19, which did close. During the back and forth communications and including my closing appt on XX/XX/19 I was told the portion of funds coming back to me would be EFT to my bank on XX/XX/19 with payoff to current lender on XX/XX/19. As of today the EFT to my bank for my funds has yet to happen so am afraid now that the existing loan payoff scheduled for today, XX/XX/19, will also be delayed thereby possibly creating a balance due from me to my current lender. I've nothing but road block after road block with Quicken/XXXX XXXX and feel they owe me interest for being late in depositing my funds. I've yet been able to get in touch with anyone from XXXX. I have had to e-mail or phone text my Loan Officer three times. I feel as though Quicken presents a very good sales pitch to customers but fails to disclose true and full transparency on actual process and time. Although, I will say the rate is what they promised, but closing costs did end up being slightly higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
the date was back around XX/XX/2010 when I was living in XXXX. I was on a consistent basis receiving a money transfer each week that was sent from XXXX XXXX XXXX around the time of XX/XX/2010 I went to the XXXX at the XXXX XXXX on XXXX  XXXX.to receive the transfer. They say it wasnt there although at the time i had the receipt number as well as answered the security question. However there was nothing there. Asked XXXX XXXX did he send it. He said he did. The following week he said he sent another transaction. This time I tried to receive it at XXXX in XXXX XXXX. Same thing happened there. Each amounts were for {$400.00} dollars. I did attempt to resolve this matter for years. I can not locate those confirmation numbers that you need to give them to look further into it. since then i've moved to XXXX. But i really need to know what happened to the money and collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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: Account status incorrect

Complaint:
XX/XX/2017 filed Chapter XXXX. XXXX  XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX  XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XXXX shows on XXXX as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: AZ
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 report act 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 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Williams, Rush & Associates, LLC
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:
Im accordance with the fair credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

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

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: New Era Asset Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Collector has used an abusive/rude language/tone when have tried to contact me regarding an account with XXXX XXXX. They have called from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly disputed a fraudulent account opened by someone stealing my identity through Experian. The original creditor is a company called XXXX. I have tried to work with the lender directly and has been unsuccessful. Ontop of that the information to contact them on my report is incorrect and I have to XXXX contact info. 

I have requested Experian BLOCK this information from my report as it appears the creditor is not properly investigating this identity theft. I have provided all required documents to include Police report, FTC Identity Theft report and my identification. I have uploaded these documents electronically and via US mail and Experian still refuses to block the information. They allow this lender to report this fraudulent account and update it monthly with charge offs to destroy my credit. They do not follow proper laws in place for victims of Identity Theft and make it impossible for the victims to move on with their lives. 

I have the same issue with another account through a company called XXXX. Again, someone I have never done business with and is most definitely a fraudulent account opened by someone who stole my identity. I again have reported the matter to the local police and uploaded all required documents like my id, police report, and FTC report. 

My credit is fairly decent and these accounts are not very expensive. It would be very easy to pay a few dollars to clear it up, however these accounts truely are fraudulent. I do not see why I should pay for something that I did not do. On top of that I have had an Extended fraud alert on all of my credit reports for years. With this fraud alert, no new accounts should have ever been opened without the companies following the law and verifing my identity and contacting me with the information listed in the fraud alert.

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