BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I took a look a my XXXX report and found some inaccurate items on my credit report. A collection for XXXX was listed on my credit report that I am not responsible for. The orginal issues was XXXX XXXX. I am a victim of idenity theft. Below is a copy of the information. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$62.00} {$62.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX XXXX XXXX 
Payment Info Original balance {$62.00} Balance {$62.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no recollection of this collection.DIVERSIFIED ADJUSTMENT. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2017-07-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was denied loan forgiveness due to a loan not paid off prior to XXXXXX/XX/XXXXwhen receiving new loans in XXXX,XX/XX/XXXX. I was a student still going to school in XXXX and XXXX how could I pay the loan off, I was still getting loans. This is a government policy and I understand that. XXXX XXXX customer service told me to pay off the XXXX and XX/XX/XXXXloans and they would be removed from my account - then, apply for student loan forgiveness again. So they put my loans on forbearance for me to do this. When I applied for loan forgiveness again, I was denied again. I was told what XXXX XXXX told me was not accurate. Just at that time, my loans were transferred to Navient. I have had nothing but bad customer service from Navient. I was also told I could go income based, this made my payment higher!! Then I was told I could do the loan forgiveness which is a 10 year loan payment. I would be able to get a direct loan and pick my loan term, but after ten years it would be forgiven. I called to have that done with the government and was told I could NOT pick my loan term and/or payment. I was also told by Navient specifically told me I could pick the term so my payment would be lower and it would be forgiven after 10 years. I am XXXX years old and will be retired in 10 years. The navient customer service told me it would be easier and cheaper for me to keep it as it is .... I would be able to pay it off. NO ONE HAS HELPED ME EVER WITH THIS STUDENT LOAN PROCESS!!!!! I have been given information that is not true or that did not apply to me. In XX/XX/XXXX, I paid my bill, it came out of my bank account twice. I was told by Navient I had to go to the bank and cancel that 2nd payment coming out, this cost me a fee at my bank. The next month when I tried to make a payment, the bank account information is not good, they can not - in their system, remove the stop payment. I was told I had to go to the bank and have my bank send a letter to their fraud department. However, the customer service representative kept telling me she could take my payment over the phone. I thought my bank account was n't good? When transferred to a supervisor, he still could not help me ; however, he did take my payment over the phone??? with my debit card linked to the account???? and it did go through ... ..My bank has no idea what they want and informed me they can not send a letter with my information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: WI
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, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX : account # XXXX and account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXccount # XXXXXXXX XXXX XXXX XXXXcount # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX  account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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 AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE INFORMATION ON MY CREDIT REPORT DOES NOT BELONG TO ME. I HAVE REACHED OUT TO XXXX XXXX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THE XXXX ACCOUNT IS FRAUDULENT AND NOT MINE.

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 2020-04-21
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi checking and savings account on XX/XX/2019, using the promotion hat is currently acive here : https : //banking.citi.com/cbol/checking-tiered-offer/default.htm I applied for the {$400.00} bonus for depositing {$15000.00} or more, plus a now-inactive bonus for an extra {$100.00} for making two deposits. I deposited a total of {$1000.00} into the checking account on XX/XX/2019 and {$15000.00} on XX/XX/2019, and moved {$15000.00} to the savings account on XX/XX/2019. I waited the 60 day period for maintaining the balance. Then I waited the 90-day period for the amount to be credited. When this amount was not credited after the 90-day period, I called several times to ask for an explanation. 

On one occasion, I was told that I had fulfilled the requirements and that the full amount of {$500.00} would be showing up in my account within the next week ( roughly around the first week of XXXX ). I called again in the third week of XXXX and was told that I needed to verify the code for this promotion, which I never received and they had no way of telling me how to find. I provided the link to the currently active promotion but was told that would not work.

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 2022-01-25
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Last spring ( XX/XX/2021 ) I purchased a home in XXXX XXXX, FL using XXXX XXXX for my mortgage. During the closing process I was informed by the XXXX XXXX loan officer ( XXXX XXXX XXXX ) in writing and via text message that the FEMA assumable flood policy I purchased provided sufficient flood insurance coverage for the property. I specifically discussed with the loan officer insurance ... homeowners, windstorm and flood and told them I was maxed out and could afford the loan/home if insurance costs were higher. During closing there was no document I signed that indicated the flood policy was insufficient nor any other issue highlighted that indicated there was an issue with the flood policy. Approximately 45 days after closing I received a letter from LoanCare LLC which manages mortgages for XXXX XXXX. They demanded supplemental flood coverage per XXXX XXXX guidelines. I explained to LoanCare reps that I had texts and emails from the XXXX XXXX loan officer that indicated my coverage was sufficient. At that time I reached out to the XXXX XXXX loan officer via phone and follow-up email and she responded via email that the FEMA policy should be sufficient. I forwarded a copy of that email to LoanCare LLC -- apparently to no avail as they purchased a umbrella insurance policy for way above the replacement cost value of my property and charge my escrow account over {$5000.00}. I reached out again to LoanCare to complain and explain that I might need to get legal representation as I considered XXXX XXXX to be in breach of contract. I was transferred to a LoanCare supervisor ( XXXX XXXX XXXX ) who reviewed my information and informed me they should not have taken out the umbrella policy for above the replacement cost value ( RCV ) of my home. She indicated she was cancelling it and the money would go back in escrow and she was reaching out to the insurance agency that transferred my FEMA policy to confirm if they had an RCV for the flood insurance as my current policy might be acceptable. No action has taken place and despite multiple ( over 10 ) calls to XXXX XXXX and to the XXXX XXXX loan officer, no one will now respond to my calls or emails. Additionally, there is no way to contact a live agent at LoanCare as the phone system will only connect you to automated or pre-recorded systems.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
IMy Mortgae was sold to Freedom Mortgage. I obtained the address to make auto payments the XXXX of each Month to make my regular payments and the address to make additional principle ONLY payments online from Freedom Mortgage. This occurred in XXXX 2016. Freedom Mortgage gave me the address to make principle only payments online in XXXX 2016. I set up the bill pay address and even called back tomFreedom Mortgae speaking to a second representative as a double chech to make absolutely certain t When I chose to make an an additional principle pay, net the online address was correct. The second XXXX XXXX rep confirmed the address was correct. I made additional principle payments and at the beginning they were correctly applied to the principle ; however, later the same principle only online payments were not applied to the principle. I called Freedom Mortage to correct this. I asked for a Manager and got XXXX in the escalations XXXX. Even though I ask for a manager, she was not a manager. She was beyond helpful and certainly was overbearing and unacceptable and an extremely poor employee. I felt my normal peaceful calm going away from this jerk. She was rude, interrupted me constantly, incompetent and hung up on me. I called back and again ask for a manager since this is highly important to me. I reached another employee not a manager, and told them the several online additional principle only payments were not applied to the principle. I was told by this individual that they never hear of the address for the online principle only payments I had been making. I told her I got the address from Freedom Mortgae and confirmed it twice as double check to make sure my online principle only additional payments would correct. Some of the online additional principle payments were correctly applied to the principle and others were not. I did not get a manager to speak with nor a return call from a manager to correct this disaster. I was on the phone for an unacceptable amount of time ruining my Saturday and this is still not 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 2022-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an account with Wellsfargo. They were offering a {$200.00} bonus for opening an every day checking account with {$1000.00} or more in qualifying direct deposits for the next 3 months. Its being 6 months of qualifying deposits for over the limit in a month and theyve never given me the bonus as promised. 

I recently made a similar claim but was mistaken on the amount of the bonus. The important thing is that it was a promotional bonus to open the account in the month that I did and they never gave me the bonus. I opened the account online and the promotional bonus was very clear stated on their webpage.

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 2019-02-17
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: Account status incorrect

Complaint:
I am a XXXX  XXXX that has never been late. The government shutdown on XX/XX/XXXX and was closed for 35 days. I called my auto finance company XXXX XXXX XXXX and was granted a car payment extension from XX/XX/XXXX thru XX/XX/XXXX. I receive a letter from them saying approved and granted extension. On XX/XX/XXXX I received a alert from my credit report stating I was reported delinquent 30 60 90 days. This is a shame and a disgrace. I need this delinquent remark removed from my credit I am not late. My payment is due on XX/XX/XXXX. I want this cleared up ASAP.

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 2017-07-24
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The Heloc in question was established in XX/XX/XXXX with a 10yr maturity ( XX/XX/XXXX ) and interest only payments. The amount is {$82000.00} and there are no allowed advances. I had issues paying in XX/XX/XXXX when my wife lost her job but we were able catch up and get current. We have been current since and in 2nd half on XX/XX/XXXXXX/XX/XXXXalthough I made monthly payments every single month, unbeknownst to me the payments were short and they reported late payments to the credit agencies. The company rather than applied the payments to interest they decided to apply to principal. When I realized this in XX/XX/XXXX I quickly remediated the problem coming current with multiple payments in a span of 3 months. The loan was current as of XX/XX/XXXX when I requested a loan modification on XX/XX/XXXX. My understanding was that they were going to simply extend the loan given the maturity of XX/XX/XXXX. At this time we are in the process of relocating to florida for my job and my wife is without a job given the relocation. Since my application and after providing all the documentation the servicer requested byXX/XX/XXXX I have not receive any written ( fax or mail ) details with the decision on my loan modification. When I call to inquire about the decision I was informed that I will be paying {$2400.00} by XX/XX/XXXX and then {$850.00} the remaining 6 months. This is 10x my regular payment on 1st pmt and 3x there after. This not have the feel of a loan modification. In addition to make things worst I was informed that my credit report will be reflected negatively even if I make the outrageous payments they are requesting. At the moment all we are requesting if for an extension of the maturity date, to continue to make the Monty payments as we have been for the last 10yrs and to properly reflect payments to the credit agencies. In addition proper communication is expected. It 's been 2weeks since XX/XX/XXXX that I 've asked for details on the program and information on the investor. Both times the turnaround time for an email or fax is 3-5 days and it never gets done. I do n't know what the large payments are for or details behind the trial period. I need help speaking directly with the investor to come up with a reasonable course if action without affecting my credit reporting. At the end of the day I 've made all my payments to this loan and I 'm simply requesting an extension. 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 2020-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received mutliple calls from Portfolio recovery group asking for me they never verify any of the information and instead ask me to verify myself to them i have instructed them to stop phone calls to me and all communication 4 times and they have continue to harrass me i have rcvd 6 calls today alone from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I would like to draw your attention to XX/XX/XXXX, XXXX I sent my complaint letter to JPMorgan Chase Bank XXXX in which I clearly stated how this scam has affected me personally, psychologically and financially. 

Commencing on or about XX/XX/2021, I fell victim to a multi-layered scam operation run by profitfinanceoptions.net which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to a fraudulent investment firm. 

To this day, I am yet to receive any response from JP, let alone the satisfying one.

Company response to consumer: Closed with explanation