BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-21
Company: Credit Karma, LLC
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed for bankruptcy 4 years ago, and have XXXX XXXX XXXX credit card which I pay the amount due every month, for well-over two years. Even so, my credit rating does n't improve. YET, this week, when I signed up for a new cable service ( to allow me to save {$120.00} a month! ), my credit was downgraded a few points, erasing cherished positive points that are so hard to come by. 
Understanding the bankruptcy remains for years, I feel it is totally unfair and a complete disincentive to " punish '' credit holders like me for applying for new credit, while NOT rewarding me for paying off my debt monthly. 
I am getting this info from Credit Karma, though I do n't know if they are the guilty party. I believe it 's XXXX or all XXXX of the credit tracking companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Student Loan Finance Corporation
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Student Loan Finance has been reporting my file to the credit bureaus illegally with 120 day lates month after month. I have tried disputes with the credit bureaus 4 times and nothing has been done. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and does not have much sleep because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR, this is aiding and abetting fraud on the Consumer who is a natural person. 
This Debt Collector has violated have harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this this DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
FromXX/XX/2020-XX/XX/2021, I was trying to secure housing for my children as I had lost the house in my divorce to their father. I worked with the company New American Funding to receive my loan. I made it all the way through the process of buying a home- putting down earnest money, paid for the inspection, got my insurance on the home, turned on utilities and my mom gifted me my down payment. I was originally supposed to be in the home by XXXX but the underwriter kept pushing back for whatever reason. I asked my dad who was also an underwriter and he said I shouldn't have had such a hard time with my conventional loan and that something didn't seem right since I should " ; ve been in the home and not still bouncing between homes like I was. At the end of the situation, I had to terminate the agreement since The underwriter claimed the issue was my " scattered employment '' and wanted dates instead of blanket statements?- which I provided to the underwriter. I gave her my full dates and the loan processor said it was good. The whole issue was causing me a lot of stress because my children also wanted a stable roof over their head and unfortunately they were disappointed and I lost my earnest money. I had literally just left an abusive marriage and had been providing for my children ever since I left their father and my final straw was being told " XXXX XXXX XXXX '' was a blanket statement. I think the company also shouldn't have let me get so far as submitting my money for closing- which I was ready to do multiple times. Including having help from my own mother - I just feel like I should've been rejected instead of being put through the entire process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been locked out of my checking account with Suntrust bank for 2 weeks. After speaking with customer service, I was told it was locked due to a questionable check. I went into a branch and they told me it was turned over the the fraud department and told me it was a check for XXXX from XXXX, which was my daughters payroll check. She had deposited XXXX prior to this with no issues. My daughter contacted the payroll department at her work and they assured her the check was fine. They emailed a few days later and told her the check cleared on the XXXX of XXXX which was the day after she deposited it. 
A Suntrust employee at the branch spoke very rudely to me and treated me as if I were in the wrong. She told me I had to just wait and see if Suntrust wanted to terminate the relationship they have with me. Meanwhile they would hold on to my money with no further explanation. When I asked why someone did n't call me or contact me when the check in question arose, she said she could n't speak to me about it any further and I would have to just wait to hear from them. I asked how long that would be, she said indefinitely. I asked by what means they would contact me and she stated it would be either by phone, email or regular XXXX. It has been 2 weeks and I have heard nothing and my account is still unobtainable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Had several fraud charges on my account went to the bank several times to have it resolved was not able to get it resolved bank is trying to charge me for these fraudulent charges

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 2015-05-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my HELOC with Chase Bank on XX/XX/XXXX. I paid all final fees in the amount of {$45.00}. On XX/XX/XXXX, XXXX months later, they send me a letter stating they have placed a lien on my home in the amount of {$36.00} for outstanding fees and I must make the payment to have the lien released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
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 RECENTLY RAN MY CREDIT AND NOTICED SEVERAL ACCOUNTS THAT WERE NOT MINE. I NEED THE BELOW ACCOUNTS, WHERE APPLICABLE, TO BE IMMEDIATELY DELETED. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS. 

I HAVE FOUND TWO OF MY ACCOUNTS REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNTS. PLEASE AMEND THESE ACCOUNTS TO SHOW, NEVER LATE. 

I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.

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 2020-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently was trying to obtain an account and checked my full credit report. At that time I saw debts that do not belong to me. Someone has obtained my personal information and i'm not exactly sure when or how but i'd like to rectify this situation. Here are the account numbers XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I have several inquires I never applied for account with the following companies : 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 2016-12-16
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired. 

They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep. 

This debt has been passed through XXXX-XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore. 

We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EOS Holdings, Inc.
State: PA
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 do not recall the exact it however it has been more than 30 days since I disputed these items the balance is include {$2400.00} {$870.00} {$1000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student loans were transferred over to Fed Loan servicing in order to have an income based repayment plan. Working with them from the beginning has been a horrible experience. I have had to consolidate loans in order for them to be eligible for IBR program and they made multiple mistakes on the consolidation, mistakes that I had to be diligent and catch and when I did and had them fix it another mistake would happen. A easy consolidation process took 5 months to complete, in return adding interest to my loans that I am obligated to pay although it was a mistake on FedLoan Servicing part. Since I have over XXXX in student loans this interest that accrues is a lot. I have called them 2-3x/week for 5 months to make sure things go correctly and they still make mistakes. When they make mistakes they do not fix it in a timely manner. Everytime I call I speak to someone else who does not know what is going on so I have to repeat my situtation every single time ( which calling 3x/week and repeating myself is very frustrating ). I absolutely HATE their service and if I knew I could choose a different servicer from the beginning I would have but this is what my federal loan directed me to. I have lost a lot of money and valueable time dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BBVA FINANCIAL CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I lost my job and had been unemployed for past 6 months. I recently found a new job and also am expecting a refund check in the mail for total amount of money I am behind. I called BBVA a week or so ago and informed them of the situation and that I was told my check should be arriving by XX/XX/XXXX. I told them I would pay full balance past due then. The lady I spoke to said that was okay. 

Today, BEFORE XX/XX/XXXX, they are telling me they will put my car into repossession unless I pay them immediately and as I tried to tell them, I do not have money yet or check in hand! I asked them to wait until next week and they refused! THEY BROKE THEIR PROMISE TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Shellpoint Mortgage Servicing on XX/XX/XXXX. 
1. I disputed " fees '' and my Escrow Balance on my loan by direct email to two different departments of Shellpoint Mortgage Servicing.

2. I submitted an initial letter in writing on both XX/XX/XXXX and XX/XX/XXXX. 
3. On XX/XX/XXXX I received- by USPS- a letter dated XX/XX/XXXX from Shellpoint Mortgage ; with incomplete, wrong, and no detailed explanation of the " fees '' on my account. There was zero response of the explanation of my escrow account balance. 
4. I then resent my original complaint along with a new dispute letter on XX/XX/XXXX, for my 2nd request for detailed explanation of both my " fees '' and escrow account balance. 
5. It was not until XX/XX/XXXX that I received the written notice they have acknowledged my dispute ( which is beyond the requirement of the Mortgage Servicing Rules. 
6. They have violated this by not responding within the 5 days.

7. They should of originally responded correctly after my first request ( XX/XX/XXXX ) for dispute of notice of error and to also comment- I did not receive a notice of acknowledgement from Shellpoint on the first request for dispute on XX/XX/XXXX. 
8. I did receive a notice from USPS on XX/XX/XXXX from Shellpoint dated XX/XX/XXXX ( which is 43 days after my second request to complete my dispute from the first time I requested notice of error- which has been going on since XX/XX/XXXX ) stating that Shellpoint was " investigating '' my request. 
9. Within the Mortgage Servicing Rules, RESPA, and Regulation X - Shellpoint Mortgage Servicing should meet the requirements for responding to written request and complaints of Errors within the 30-45 days that are outlined and required.

10. Within this time frame of 30-45 days they are to provide me with either : correct the error and also provide me with written notice of correction OR conduct investigation including providing me with written notification of wither or not error occurred.

11. This also falls under the Consumer Protection Statue. Shellpoint Mortgage Servicing is required to provide me with an accurate disclosure of cost to maintain compliance with these statues/laws. 
12. After many request, I am now filing formal complaint for violation of my rights under the RESPA, Regulation X, Mortgage Servicing Rules, and/or the Consumer Protection Statue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I the consumer sent TransUnion a affidavit about items on my report without my permission. 

Title 15 1681a ( 2 ) ( b ) and 15 1681a ( 2 ) ( c ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer

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 2015-09-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
U.S Postal Certified Mail No : XXXX, MN XXXXFORMALLY KNOWN AS : XXXX, SD XXXX : ExperianXXXX XXXX. TX XXXX. GA XXXX P A XXXXXXXX,2015RE : XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: LA
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:
Unlawful Use of A Negative Item On My Report From XXXX  outsoucing ( XXXX XXXX ) creditor i didnt sign my info to

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 2022-03-28
Company: Williston Financial Group
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed with XXXX XXXX XXXX and they recommended WFG Lender Services of California as my title company, I agreed. 

I closed on XX/XX/22. I was due a refund on my escrow from WFG. 

they sent my refund to the wrong address, how does a title company and or lender have the address they are the title company for have it incorrect!? here we are XX/XX/22 and I still do not have my refund of my escrow overpayment. 

I called them today and they were completely unaware?! SO I *should* be getting a check via XXXX.. 

My complaint is how and why would this refund take over a month to get processed and what POOR communication these companies have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX, XXXX Complaint Department Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, Per previous outreach regarding the unknown inquiries, I was told to contact the creditors regarding the removal of the unknown items. I contacted all creditors and asked them to remove their credit inquiry from my credit profile.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: PR
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 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX have violated my rights XXXX 

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 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 2015-05-06
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a collection on my credit report, I disputed it and was given a code that said : Deleted - This item was removed from your credit report Remains - This item was not changed as a result of our processing of your dispute. 
Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. 
Processed - This item was either updated or deleted ; review this report to learn its outcome Credit Items XXXX Account Number : XXXX Outcome : Updated meaning the only update that was done is that i paid it, It should not be on there to start with, I moved 2 years ago and they sent all the bills from the emergency room to my current address but this one, it was sent to my old address, as soon as i saw the negative on my credit, i called them and paid it, They told me the bills were sent to my old address, As you probably know, when you go to the emergency room you get many different bills, If i do not receive it I ca n't pay it.If you look at my credit history you can see I 'm never late and pay all my bills, XXXX requesting for this to be removed and all i get is that it was updated because i paid it. Thank you for all of your help. : } I do not have any supporting documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation