BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Lost job loan went into default as I was securing stable employment. I requested loan consolidation during that process was immediately garnished by providing updated contact information. Consolidation was completed on XXXX/XXXX/2016 closing account with XXXX XXXX XXXX. However my employer did not receive release for garnishment until XXXX/XXXX/2016 therefore additional {$430.00} was garnished and sent to XXXX XXXX XXXX which subtracted an {$84.00} amount after account their account was closed Then sent {$340.00} to XXXX which I was told during various communications that payment would take care of XXXX payments. In this on going fiasco, and attempting due diligence to ensure my loan servicing agency receives this payment. Today was informed I 'm still responsible for my new monthly payment following their receipt of the of the {$340.00}. I am perplexed with the operation for these agencies, lack of consistent accountability of funds paid to date and miscommunications, misinformation of the agencies policy, release of information of personal accounting. If this were a financial institution providing a customer oriented service I would not do business with these entities. My request is accountable and consistent information across all agencies involved as it appears these agencies are profiteering off this federally program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
New Century Financial services, with XXXX has put a default judgement against me in a civil part court, for a debt I have daub is even mine, they levy my bank account money and my motor vehicle writ to take away, I 'm sure that I do n't owe any debt to them and they are harassing by doing so, I 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 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! XXXX XXXX Experian XXXX XXXX XXXX XXXX As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: NC
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:
Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what XXXX, XXXX, AND EXQUIFAX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2020 I opened a Chase Total Checking account online, which was automatically connected to my online account associated with my three Chase credit cards, and over the course of the next week began the process of linking it to my external deposit accounts for incoming and outgoing transfers. On XX/XX/2020 I attempted to set up several external accounts for incoming and outgoing transfers to and from my Chase checking account using a process that required me to enter my login information with the external financial institutions and then verify my identity by entering a security code sent to my email address or phone numbers registered with the external financial institutions. After repeatedly entering the login information and security codes correctly with one financial institution after another and being presented with repeated error codes by the Chase website, my session was abruptly terminated and I received an error message indicating that my account had been locked to protect it against unusual activity when I tried to log back in, which I was later to discover meant that my online account had been permanently disabled. Despite promptly cancelling my Total Checking account over the security issue, Chase has steadfastly refused to provide me with a means to either re-enable my online account or offer a secure means for me to restore online access to my three Chase credit card accounts by de-registering them from my disabled online account so that I can create a new username to access my credit cards online, instead insisting that I create a new username over the phone -- despite the fact that I have no landline phone service -- or visit a local Branch ( there are none within 100 miles ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MS
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:
This is a notice that the Experian XXXX XXXX XXXX has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXXXXXX XXXX XXXXXXXX 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 2015-04-21
Company: SUNTRUST BANKS, INC.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Suntrust Bank advertised a bank account opening promotion XX/XX/XXXX. I opened an account under that promotion and after I thought I have completed all the requirements, I sent a secured message on XX/XX/XXXX to customer service asking for a review of the Promotion Bonus and seek confirmation whether I hit all the requirements to receive the {$200.00} signup bonus. On the same day, a rep replied to my email and stated that I am eligible for the Promotion Bonus and should expect to see {$200.00} within 8 weeks. On XX/XX/XXXX, I checked my account and sent another email to customer service for a status on the promotion bonus. A new rep responded, apologized for the response provided by the previous team mate, and her review concluded that did not qualify for the promotion bonus. XXXX additional emails and XXXX phone call later to appeal and request further review as I was relying on wrong info provided by the rep on XX/XX/XXXX, a new bank representative called me on XX/XX/XXXX to convince me there were no errors on the bank 's part based on her review and interpretation of the secured messages. She stated that because the XX/XX/XXXX rep did not directly answer my question whether I qualified for the bonus, her conclusion was Suntrust did not make an error in representing that I qualified for the bonus on XX/XX/XXXX. Furthermore, based on her interpretation of the secured message, the XX/XX/XXXX rep was merely provide a general comment ( not a response to my inquiry ) that if I meet all the listed requirements, I will receive the bonus. Now that the time window to complete the requirements are over, I am no longer eligible for any bonus no matter what. 
I feel wronged by Suntrust and its customer service representative. I asked a specific question on XX/XX/XXXX to confirm qualification and seek guidance from Suntrust to ensure I met all the requirements and complex terms and conditions of the {$200.00} account opening promotion. I trust Suntrust to review my account and provide a yes/no response and provide assistance to help me meet the qualifications if it was a no response. Instead, Suntrust interpreted the XX/XX/XXXX rep 's guidance to me differently to purposely deny the promotion bonus. There was no recognition that the XX/XX/XXXX failed to provide a proper answer to my question and possibly mislead that I qualified for the promotion. Suntrust has no intention to pay the promotion bonus that was advertised and took measures to prevent customers from meeting the qualifications to engage in deceptive business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-07
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 've been waiting several months for XXXX to consider my income based revenue application. Each time I call, customer service representatives are unable to give me even a rough idea of when it might be processed. The current payments are much too high and I am having trouble paying even a part of the due amounts while I wait for them to process paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item BK OF AMER is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint.

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 2015-04-19
Company: Stellar Recovery, Inc.
State: FL
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:
I paid a XXXX XXXX on XXXX XXXX. On XXXX XXXX and the XXXX respectively. XXXX hired. XXXX XXXX, XXXX and Stellar Recovery, inc. to continue to collect a debt I have already paid directly to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.

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 2020-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our closing date was set to XX/XX/2020. Due to reasons described below we closed week later ( XX/XX/2020 ). Lender : BofA. Our credit score at the time of applying and processing up until closing was " Excellent '' so we were hoping for smooth process, not like the process we experienced with the same lender in our 1st mortgage. Even our lending officer assured us that this is going to be quick an easy process since BofA changed internal process to make things easier. 
Due to typos in the closing disclosure and not delivering closing disclosure 3 days prior to closing we ended up signing paperwork in title agent 's office and finding typos all over the documentation. Initial thought was to fix it by hand, initial them and let bank know later to fix this but this was not a doable solution. Typos included wrong SSN and wrong addresses of buyers. Here is a summary of the issues which we experienced during the process : - lack of communication AFTER the deal was sealed from BofA lending officer - delayed closing date which caused side effects on seller 's side - credit report pulled twice ( not within 30 days ) for both buyers ( married couple ) - confusing messages from the bank about credit report not being pulled twice - credit score going down 15 points as a result of 2 hard inquiries - filed dispute with BofA about credit report being pulled twice - no updates about the process - filed complaint within BofA regarding the process - no updates about the process at all - due to delayed closing date our moving had to be rescheduled - quite a lot of people involved in the process - wasted days off which we took from our employers to be able to attend closing day At this point of time I can not reach the manager of our lending officer as internally they do not provide such an information and reaching out to lending officer directly will probably gets us answer in 2 weeks. Even though bank gave us " platinum '' privileges it does not feel like we have any at all.

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 monetary relief
Consumer complaint received 2015-08-05
Company: Stellar Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Stellar Recovery never contacted me about my debt or provided me with any information regarding the delinquent account they inherited from XXXX. I did not receive the notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a complaint because I am a victim of identity theft, my credit report shows fraudulent information

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX   XXXX {$0.00} DEPTXXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$130.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$440.00} XXXX  XXXX {$4500.00} XXXX  XXXX {$6000.00}

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have a loan with XXXX XXXX  ( loan number XXXX ), they reported me as delinquent when it is not. The account was marked as 30 day late for XXXX, XXXX and XXXX. In fact, I paid all, never late.

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 2020-04-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Residential Credit Solutions, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello I send a complaint last month about Residential Credit Solutions. I was following up to see if there was any results. I do n't want to lose my home. I was asking about a mortgage that was discharged in a Chapter XXXX and still being charged the full amounts of the loan. My mortgage was sold to Residential Credit Solutions from XXXX XXXX XXXX. My mortgage amount should be much lower from my records of payments to XXXX XXXX XXXX and Residential Credit Solutions. On my credit reports, Residential Credit Solution, reports my mortgage as " XXXX ''. However, according to Residential Credit Solution payoff amounts, it is almost the same as the original cost of my home, which was {$95000.00} in 1993, when I purchased my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The National Credit System and XXXX XXXX XXXX filed a collection account on my credit profile about a debt that does not belong to me. I am currently under a lease contract in NJ and the companies failed to follow my identify fraud alert on my credit file to contact me at my number before moving forward with any credit application. Phone number and bank account used does not belong to me and this company is preventing me from seeking credit and falsely claiming that this file belongs to me NATIONAL CREDIT SYSTEM XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  {$350.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Account Balance Loan Amount {$350.00}

Company response to consumer: Closed with explanation