BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted both XXXX and TransUnion numerous times to resolve this complaint and account with inaccuracies. Both reporting agencies have responded with saying the information I was disputing ( never late ) has been verified by the creditor. However, the creditor told me that they actually never responded to the disputes that were filed but the reporting agencies said they had. I took the following steps according to the law and asked for the method of verification from the reporting agencies and they told me they did not have to give me that information. I stated the law and what it says about a consumer requesting that information and they had 15 days to send it to me. They told me I was wrong, and that the creditors were responsible for sending that documentation. I was transferred to a supervisor with both agencies ( XXXX and TransUnion ) and they would not confirm nor deny my rights but they both said they did not have to have verified proof, or any physical information from the creditors to display it. All they needed was an electronic message. I again read the law stating they had 15 days to respond to me after I requested verified proof and again I didnt get anywhere. Both agencies told me the exact same thing, they did not have to have anything from the creditors to report the information. However, they are required to have this information in their hand, and send it to me in writing with the business name, phone number, and names of the people they talked with for the investigation. They both stated they did not have any of this information and stated it multiple times. I sent certified mail asking for the verification in XXXX and have yet to receive anything from them on how it was investigated. They are damaging my ability to gain credit and get the best rates possible on our home loan. The account in question is XXXX XXXX, a credit card with an XXXX credit line and closed in XXXX 2016. I have attached the certified mail and receipt for the request of verification. Its been almost 3 months.

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 2022-10-07
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called Aidvantage on XX/XX/22 to request a payment refund and my loan re-instated ( since it was previously paid-in-full ). I was given a timeframe of XX/XX/22 for the refund request to be approved, my loan account being " revived '', and being able to see my balance updated on my Aidvantage account online. Within 4-6 weeks from XX/XX/22 the balance would be updated on XXXX, would be sent to the Treasury XXXX for a refund, and the Treasury XXXX would send a direct deposit to the account the refunded payment originated from. 

On XX/XX/22 I called Aidvantage and they stated that there is not an approval as of yet. There are also no estimates or timeframes for when this will be approved and the loan re-instated and balance updated on Aidvantage will be done. The rep said it may be another 4-6 weeks to see the balance updated. ( At this point, it is 12 days past the XX/XX/22 date provided for seeing the loan balance updated on the Aidvantage website. Based on the rep 's suggestion, by the time I see the balance updated on Aidvantage 's website it would be 40-54 days past the original estimate of XX/XX/22. ) On XX/XX/22 I called Aidvantage to see if the refund is now approved. The representative stated they actually don't do approvals anymore, and they stopped requiring approvals prior to when I made my original request on XX/XX/22. However, there are not any notes that it is denied or further information is needed. This feedback is different than the feedback I received in the first 2 calls. The rep stated I may see the balance updated by the end of next week, but did clearly point out he was not certain and it may be different. ( At this point, it is 14 days past the XX/XX/22 date provided for seeing the loan balance updated on the Aidvantage website. If the rep 's estimate is accurate, when I see the balance updated on Aidvantage 's website it would be 21 days past the original estimate of XX/XX/22. ) As of today, I am getting conflicting information on if this is sitting somewhere waiting for an approval or not, and different estimates on timeframes. The estimates for just seeing the balance updated on Aidvantage 's website vary wildly and are extremely conflicting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSWORLD SYSTEMS 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:
You are the collection agency and you want me to fill out an identity theft form and send you a police report a copy of my ID my social security number and the utility bill. I am not about to send you all of my accurate information for you to have on record and use against me for an inaccurate account that I am currently disputing. I sent you the utility bill which shows that I was clearly living somewhere else well before this account charged off and had a different utility company. You have what you need to remove this inaccurate information from my credit report it is your job to find out who the account belongs to or who put it in my name not mine. You have not complied with the federal law because you sent me a statement as validation of the debt and that does not prove that I owe the debt because I don't owe the debt it only proves there is a balance. THIS ACCOUNT IS NOT MINE I WAS NOT AT THAT LOCATION DID NOT LIVE THERE AND PROVIDED PROOF THAT I WAS ELSEWHERE WITHIN THE SAME TIMEFRAME THAT IS ON THE SUPPOSED PROOF YOU SENT ME! PLUS 2 MONTHS PRIOR WHICH FURTHER PROVES THIS IS NOT MY ACCOUNT! REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IT IS INACCURATE! AND YOU ARE ILLEGALLY REPORTING TO MY CREDIT REPORT! Please resolve this issue because if I have to take further action and look into legal aid I will just have to do that at this point. I have tried to resolve it with you guys and you keep trying to beat around the bush on the absolute facts and proof I am giving you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX My mortgage company ( PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has made repeated errors to my account. I switched XXXX XXXX XXXX as of XX/XX/2022. Since then my mortgage company has insisted I pay XXXX monthly on top of the XXXX they draft monthly. My new home owners insurance is much lower but they can not seem to understand what they are trying to do. Then they sent XXXX separate payments to my new insurance company, XXXX for XXXX and another for XXXX. It took me calling over and over to find someone that would help fix the problem. In the meantime, I sent in XXXX by check and marked it for escrow along with a letter stating the payment was for escrow. However, they took XXXX out of that check and drafted my XXXX as mortgage payments. I have called and spoken to a lot of representatives but it leads XXXX. My credit rating has dropped as well. I am a XXXX parent and care for my XXXX XXXX XXXX My budget goes to bills first and then I put extra down when I can. This company is totally out of controlling and should not be in the mortgage business. My loan was sold in XXXX to PHH and I have had nothing but problems since. Any assistance would be so appreciated. The company has never reached out to me with any type of notification as to what and why they are doing these things. I have not recourse as to who buys my mortgage, but they can ruin a person 's credit with no questions or responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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 HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-01-07
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The beginning amount of the loan was {$34000.00} and in the spring of XXXX it was transferred to AES and at that time the loan had increased to {$41000.00} due to interest on deferments ( I guess ). For the next 5 years we paid back {$14000.00} ( and {$620.00} in late fees ) and our loan has since WENT UP to {$46000.00}. 

So over 5 years we paid approx. {$14000.00} and the loan BALANCE went UP by {$4000.00}. 

In XXXX alone we paid {$3700.00} and our loan did NOT decrease by even one cent. 

In addition our payments have increased from {$260.00} ( in XXXX ) to {$300.00} ( in XXXX ) to {$530.00} ( in XXXX ) When I contacted them about it they said " The loan increase is related to the type of loan you have, that when you get closer to paying it off, the payment increases '' when I replied that can't be true because our loan balance has went from {$41000.00} to {$46000.00} even after paying {$14000.00} she said well I will put you through to our loan officer dept. and then I was on hold for 12 minutes and then they just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In an effort to have this collection agency validate this alleged debt I disputed ir thru the credit bureau. Within 48 hours ir came back as verified from the company Credit Protection Association. I asked how was the account verified? I have not received any written copy of the validation. I proceeded on and filed 3 cimplaints rhru the BBB each time this company refuse to send me validation of the alleged debt and state in their response that they do not have any information on me.

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 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from my account.

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 2017-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Card ending in # XXXX Bank of America 1. I had a {$1500.00} credit limit which with fees and interest charges it went over {$1800.00} {$300.00} over and a higher intrest rate than the usual, .Almost $ 30 % I had just done a credit check and they reported my account as a charge off. I had missed several payments early in 2017. In XX/XX/XXXX I was called from a specialist from bank of America a lady named XXXX we talked a little she had said that she would get back in a week, which took a month instead delaying any payment arrangement, that is when I received a charge off, which I just found out XX/XX/XXXX this will hurt my score. besides they are breaking rules as in unfair billing practices, and in some cases they use peoples checking money for their own use BO AMERICA is being sued for millions of dollars I Told them I 'm a customer I had mention the late response from XXXX as far as payment arrangement that 's not my fault. I said work with me the charge off no response I had to hire a law firm for credit repair. So this time they are not fexible, I dont understand this company. they are afraid to go to court. So why is it my fault with a charge off cause of XXXX.I had mentioned today, its not fair and I want to move from here of 45 yrs in crete  the fees the intrest rates the highest unfair billing and late response what else????

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 2022-10-07
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to XXXX back in XXXX we applied for rental assistance. We were approved & the city of XXXX XXXX Texas paid our rent that was due until the end of our lease which was the end of XX/XX/XXXX. I have provided all this information ( documents ) from the city showing proof that our rent was paid for. XXXX XXXX was the property. Phoenix Recovery Group is the collection agency. After I showed proof to both parties I received a email from XXXX XXXX XXXX from Phoenix Recovery Group stating that they had received a call from XXXX XXXX and they had confirmed that they had received the proof of the rental assistance. But now they charging us XXXX for something else they came up with. This item was just sent to collections this year in XXXX. I believe this to be fraud trying to collect money that was already paid. I've even provided the check number and account number that city gave to give XXXX XXXX Please help me with this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased concert tickets in XX/XX/XXXX on a Chase credit card. That credit card account was subsequently closed later in XXXX. The concert was finally canceled in XXXX due to the on-going pandemic. The merchant, XXXX, has issued a refund to the original form of payment ( the card closed in XXXX ). Chase accepted the refund ( attached screenshot from merchant system ), but since the account is closed they can not locate it in their system to give me a refund via check. Chase is holding {$530.00} of my money which they can not locate and will not refund. The merchant says they have no additional action they can take since the bank accepted the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: LPSG
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX / XXXX / 2017 , I received an email from my e mployer (   XXXX   XXXX   ) a nd she had a received a voice email from a debt collection company (  XXXX  ). The call stated, '' that they was a legal processor and they were going to send legal documentation to garnish my wages and sue me in court, if I did not respond immediately.     So I called, company na me is ( LP Services Group ) su pposedly based out of California, telephone number  XXXX  or  XXXX .     I called and spoke to a  XXXX   XXXX , he said I owed {$920.00} to a credit card company  (   XXXX   XXXX   ) t hat I did not recognize. I asked, '' if he could send me documentation before I agreed to pay ''. He replied, no not until I made payment arrangements on said (, account #  XXXX   ).  He told me that if I did not pay we could go to court and the amount would go from said amount of {$920.00} to {$4000.00} for court fees and I would have a garnishment of {$400.00} a pay period. I was scared because I had a garnishment before and it almost made me homeless. I now only work  XXXX     and attend   XXXX   XXXX   and to have a garnishment of {$800.00} a month  would be a definite homelessness situation for me.     So, I complied, and I gave them my Credit union debit card information and the agreed amount every month would  be@  XXXX  for the nex t four m onth on the  XXXX  of each month. Well, to my surprise the money was not deducted or has not bee deducted as of today. I call the credit union and told them I think I had be scammed and they closed or cancelled my debit card account and will reissue a new number and card.     I was very vulnerable at the time of call and conversation and I talked to my family and I tried to locate company online and could not. I then went to BBB to locate and too check reviews and could not locate. Then I found another website and saw the different types of scams and realized that I had become a victim

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Green Square Company LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Impersonating officials from XXXX County to obtain my location. I do not owe any debt and all erroneous debt collection attempts have been addressed by the attorney general.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX. 
XXXX XXXX {$290.00} Credit Line {$300.00} On Tuesday XX/XX/XXXX Experian decreased my credit score by XXXX points because my credit card reached the amount of {$290.00}. They say because of the high usage increase. A credit card is used to help rebuild your credit. How can they take lower my credit score because I used my credit card. In XX/XX/XXXX, I use the exact same credit card and paid it off in full in XX/XX/XXXX and I did not get an increase in my score. I am not behind on this card. It is paid on time. I feel as though the Credit Bureau is trying to hold me back from building up my score. I have a vehicle that I have been paying for on time now for 2 years and not once has my score increased from that. 
XX/XX/XXXX, Experian decreased my credit score by XXXX points because I went over the limit on my XXXX Credit Card. Which this card has been paid on time. Not once did they increase my score for making on time payments. But they quick to decrease my score. When they do increase my score its only by XXXX or XXXX points, but when they decrease it is always XXXX digits. Again I feel as though they are trying to keep my score below XXXX. Every time I get above XXXX they start decreasing it. I have complained about several companies reporting past due accounts on my report two to three times a month and nothing is being done about it. XXXX XXXX XXXX is one of the companies. They reported the same accounts on XX/XX/XXXX and XX/XX/XXXX. I am really trying to figure this out. Again each time my score gets above XXXX Experian starts decreasing it. Within the past two months they have decreased my score by XXXX because of my usage of my credit cards. As a XXXX American person, I truly feel as though I am being held back for some reason. Again why would they decrease my score for my credit cards when I am not behind on them. It does not add up, it does not make any sense.

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