BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: AES/PHEAA
State: OR
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:
Dear CFPB, I am submitting a complaint to CFPB due to the denial of TEPSLF ( Temporary Expanded Public Student Loan Forgiveness ) I received on XX/XX/XXXX. Attached is a copy of my TEPSLF request and the denial. 

The TEPSLF denial states that I do not qualify for forgiveness under the TEPSLF because I have not been in repayment for at least 10 years on my Direct Loans. 

The TEPSLF was created in 2018 Congress to help borrowers who had fulfilled their public service but who were, unbeknownst to them, in the wrong repayment plan. 

The TEPSLF was created for my exact situation. My lenders, XXXX XXXX and XXXX did not advise me that my loans were not the correct type to qualify for PSLFP. I made 99 monthly payments from XXXX through XXXX. I only learned that I needed a different loan type when I applied for my annual IDR renewal. 

I have now met all of the criteria for the TEPSLF however was denied. 

1 ) I have made over 126 monthly qualifying payments ( 120 is required ) 2 ) Both of my loans are Direct Loans 3 ) I have worked for the XXXX   XXXX XXXX  XXXX for 15 years and am still working there. 

Fed Loans has now set my PSLFP completion date in XX/XX/XXXX which is well past my retirement date. 

I was unable to attach my packet of pertinent student loan documents because it was just over 10.7 MB. If I can send it to you another way please let me know. 

Thank you for your review and consideration. Please let me know if further information is needed. 

Thank you kindly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: National Business Factors
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried multiple times on each day from XX/XX/XXXX through today, XX/XX/2020 to lift the security freeze on my Equifax account so that a mortgage company can run my credit report. I have tried Equifax 's online feature and it's telephone feature and each time I receive a message that they are unable to complete my request at this time ( online ) or are unable to verify my identity even though all information was provided correctly and the text code they sent was reentered for them correctly. I managed to get a live person on the phone once on XX/XX/XXXX who basically told me tough beans, the system is down, try later. I asked if there was any other way to get it lifted and the rep said no, try in a few hours online. Other than that one time, every number I have called has put me into the automated telephone feature loop with no way to get out ( such as by hitting " 0 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: MidAmerica Mortgage Inc
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the continuation of an issue related to the service fee/mortgage insurance associated with Section 184 loans. Our current mortgage loan has reached a threshold of 77.9 % LTV and the service fee/mortgage insurance for XXXX  ( {$73.00} ) should not have been withdrawn from the escrow account. The fee should not be withdrawn any longer actually due to the LTV calculation and the confirmation from HUD that the amortization schedule associated with our loan is correct due to the remove of the upfront loan fee that is applied when the loan was first generated. This not only affected my loan but all other Section 184 loan LTV calculations as well. Due to incorrect LTV calculations I am uncertain how many of these types of loans have been having escrow withdrawals that were not necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XXXX " Step Forward Michigan '' paid my back taxes through a program created by the state. The mortgage company Beneficial Mortgage ( HSBC ) agreed to include my taxes and insurance in an escrow account. The amount included Principal {$390.00}, Interest {$220.00}, Escrow {$750.00}, to be paid each month at 2 % interest until the year XXXX. The total monthly payment {$1300.00}. During XXXX ( HSBC ) sold my mortgage to XXXX XXXX and on XXXX XXXX my payment increased to {$1600.00}. I was informed that ( HSBC ) did not pay the taxes and a balance of {$6600.00} was owed for taxes. I was also informed that there was an outstanding balance for home owners insurance. ( see attached documents ). I was also unaware that ( HSBC ) charged me {$4100.00} for property insurance in XXXX. The XXXX from XXXX XXXX showed that interest was paid but left blank taxes for the year XXXX. Therefore I was unable to claim a deduction for the year XXXX on my tax returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting and XXXX Account # XXXX.has violated your rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A SectionA 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 2022-04-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
According to the fcra these inaccurate negative accounts must be removed from my credit report asap incorrect names and addresses My correct name is XXXX XXXX XXXX young my correct address is XXXX XXXX XXXX XXXX tx XXXX incorrect names XXXX XXXX XXXX XXXX XXXX XXXX incorrect addresses XXXX XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
XX/XX/XXXX Called requested to speak with THE ONE AND ONLY DEPARTMENT that can resolve ID theft FRAUD. I have been trying to resolve since XX/XX/XXXX TO NO AVAIL. USAA BLOCKS contact with. Only department that has the power to RESOLVE FRAUD. The USAA reps customer service CAN NOT CONTACT EXECUTIVE RESOLUTION TEAM to relay my issues. This department REQUIRES DEEP SECURITY WITH TEXT VERIFICATION CODES MY XXXX  XXXX  CAN NOT DO. I must have a stranger or a neighbor I find outside that HAS NOT LEFT FOR WORK YET pay them to write down text codes so I can get verified. THIS ONE ONLY DEPARTMENT IS NOT OPEN WHEN OTHER PEOPLE NOT AT WORK. ( ** ALL USAA DEPARTMENTS NEED TO T A L K ... .. to .... EACH OTHER. ) USAA PLAYS CONSUMERS BLOCKING CORRECT DEPARTMENT RESOLVE. I have relived IDTheft to reps THAT HAVE NO POWER and who do not send my message to the department for 2 years now XXXX  XXXX  and XXXX  XXXX XXXX. PLEASE USAA STOP THIS UNFAIR BUSINESS PRACTICE TO SAVE PROFIT DENYING. FRAUD CLAIMS with No Contact to ONE ONLY DEPATMENT OF RESOLVE. SPEAKING TO THE ONLY USAA REP AVAILABLE SHOULD BE SUFFICENT TO. HASSELFREE RESOLVE OF FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-05-17
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone use my identity to retrieve a XXXX loan. My whole identity has been compromised these lies 10 years. Please remove fraudulent collection appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: IN
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my credit report and that there was an inquiry on my XXXX  and Transunion Credit report for XXXX XXXX, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted XXXX XXXX today and they said that could not assist with this issue.

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 2021-05-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. The account that you have listed on my credit files, are the result of identity theft and should be removed from my credit file as soon as possible. Please be advised that you are in direct violation of the Fair Debt Collections Practices Act, this is against the law. XXXX currently is reporting inaccurate accounts to my credit report, these accounts should be removed from my credit file as soon as possible. 

I have attached my police report and well as FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
According to the fcra these inaccurate negative accounts must be removed from my credit report asap incorrect names and addresses my correct name is XXXX XXXX XXXX XXXX my correct address is XXXX XXXX XXXX XXXX tx XXXX incorrect names listed XXXX XXXX incorrect addresses XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 2017-12-05
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. 

This needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to remove my fraud alerts

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 2021-08-07
Company: Experian Information Solutions Inc.
State: MN
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 following public record and credit inquiries isnt my public record or credit inquiries : Bankruptcy Chapter XXXX-Discharged, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past 3 years I have this property, Loancare requested proof of wind peril insurance. 
Last XX/XX/2020, I sent proof of insurance attaching the policy doc online, but they claimed it didnt go through. 
Since I kept receiving notifications of their intention to buy another policy I got one of of their representatives to help me on the phone. She walked me through the entire process to attach the policy again. She confirmed she saw it online. She also requested the name of the insurance agent ( XXXX XXXX ) and spoke to her to confirm everything looked according to their requirements. 
She confirmed to me on the phone that everything looked ok and I didnt have to worry about it. 
4 months later Loancare is claiming that this wind peril insurance my property has is not the peril insurance they required the property to have. So they went and bought insurance on my name, and are escrowing me {$420.00} for an insurance I already paid and sent evidence of such several times. 
I requested proof of calls I have made to solve this issue over the past 4 months and they are telling me that unfortunately I have to subpoena to get that. 
So what they are saying now is that I have to hire an attorney to proof to them I have done my job

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 2020-03-02
Company: Experian Information Solutions Inc.
State: MN
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:
Not my account or inquires

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 2017-06-09
Company: I.C. System, Inc.
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:
While I was disputing an over charges by  XXXX   XXXX   XXXX   XXXX  for charges of DATA used by a Tablet given to me in an offered by  XXXX   XXXX   XXXX   XXXX  when I connected  XXXX   XXXX  services in my apartment,  XXXX   XXXX   XXXX  cancelled my  XXXX   XXXX  services.    XXXX   XXXX  is charging {$490.00} for breached of contract. I do not feel that I breached  XXXX   XXXX  's contract when they where the ones who terminated me.   I.C . Systems Inc. hav e reported me to  XXXX  and  XXXX  that I know. I do not know how many more.   They reported me for a debt of {$490.00}, wait a couple of months, withdraw it. Then wait a couple of months and report me again. Can they do this?

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 2017-06-09
Company: CITIBANK, N.A.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was foreclosed on in    2008  by  CitiMortgage. As I foreclosed on I was under the impression that I can wait seven years for it t o drop from my credit but CitiMortgage reopened the case and withdrew their foreclosure on the home. I am now still showing as owner of the home but with a nonpayment of near ly ten years. I have tried a deed in leui but the bank sees my financials and just talks about keeping the home on top of me. The taxes alone will crush me so a deed in leui is not possible. The house is not habitable because it has sat for ten years vacant and with no upkeep. I have had three  lawyers and talked to every agency known to man but they all give me the same response. I cant help you but you can call ... .. agency for help. I am trying to move on with my life but I am unable to and there is no other option but to file complaints with every agency known to man. How can a mortgage company foreclose on you and then reopen and continue to ruin your life like this is ridiculous. I am in the military so I cant exercise my right to file for bankruptcy because I will lose my job.

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 2017-06-09
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
For the last 9 months charges ranging from {$1.00} to {$21.00} were taken from my account! I talked to people from the call center floor all the way to th e CEO 's office  to redeem these charges! They refused to recover the charges! I am filing this report to let you know how they treat their  XXXX  customers! I am a  XXXX    XXXX   patient that is hospitalized quite frequently! Chase Bank decided to tell me that this is not their fault! I should have paid more attention to my bank statement! I am trying to recover overThousands of dollars that was taken from me that  Chase refuses  to refund to me due to their 60 day policy! I only get, {$960.00} a month! There are to many charges to list in this case!

Company response to consumer: Closed with explanation