BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXXXXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2017-06-16
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X , 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has failed to respond to our QWR and Notice of error request sent on  XXXX 2017 and are proceeding to sale set for   XXXX  /17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and  the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I went to First National Bank in XXXX, NC todayXX/XX/XXXX. Cashed a check for {$500.00}. The teller gave me ( 4 ) {$100.00} dollar bills and ( 5 ) {$20.00} dollar bills. I took the cash to my bank, XXXX XXXX XXXX XXXX, and the teller noticed one of the {$20.00} 's was counterfeit. I returned to First National Bank and they would not rectify the situation ... I am basically out of {$20.00} because THEY gave me a fake bill. I surrendered the counterfeit bill to XXXX XXXX XXXX and obtained a form stating such. <P/>I am filling a complaint due to the fact that First National Bank needs to exercise more due diligence to use caution in making sure the banks do not issue counterfeit bills.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX, XXXX and experian has a public record on my credit file this according to 15 usc 1681 ( a ) these companies reporting XXXX public record which is a private matter on my credit file and i would like it completely removed. please help me with this matter.

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 2022-08-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried disputing this last time but I received mail from CFPB so XXXX gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent XXXX, XXXX, and equifax certified mail. This is messing with my lively hood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with XXXX XXXX and last week, he is the manager of the XXXX XXXX at the XXXX XXXX XXXX WI, and XXXX XXXX XXXX WI, Today he told me that he could not find a file on me, I reminded him that I was in the middle of trying to purchase a home, but I couldn't move forward unless the two derogatory marks there company reported to XXXX  were removed, he instructed me to contact XXXX at State Collection Services. I spoke with XXXX, and I also sent him a copy of the 2 derogatory marks that are now in Collections on my XXXX  credit report, I also informed XXXX, that these derogatory marks were disputed before I could dispute them, I told XXXX that I wanted the derogatory marks removed from my credit reports, because I never utilized any of the services from there clients, I also informed him that I am in the middle of purchasing a home, and this error is stressing me out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Today, actually, it was yesterday. I dent money to a guy by PayPal but that guy is a cheater. When I sent first once, he let me copy his account. When I fished, he said the account number is wrong and let me send second. And I did. This time I provided correct account but PayPal showed another account, I don't know why, then he said he did't receive the money, and let me try more. Then I know I was cheated by him. Now I can't cancel it and my money flows to that liar. I don't know how to fix it and a lot of people facing the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
there is 2 credit inquiries identical from XXXX XXXX XXXX on same date as well ( XXXX ) on my transunion credit report.

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 2022-09-10
Company: Click n' Close, Inc.
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Have had a mortgage for over 5 years now. We had absolutely no problems paying our mortgage until receiving a huge bill due to an escrow shortage. Click n ' Close, Inc is the mortgage company that demanded over XXXX upfront or a rise of nearly XXXX dollars a month to cover that huge shortage ( A significantly huge amount ). The company has never ever informed us that they merged or bought out Mid America mortgage. This situation caused us emotional distress due to automatic payments coming from someone we did not know. Even had to call the bank and figure out what was going on until finally, we figured out that it was our new mortgage company ( Click n ' Close , Inc. ) We would have appreciated any sort of basic communication to let us know without going through all the distress. Forms of communication such as phone calls, text, email, and post mail would have been appreciated and absolutely NO COMMUNICATION was received via the change. 

The only time we received any communication was this outrageous escrow shortage bill. Click n ' Close inc never informed us at all that they changed our insurance and gave us a super expensive homeowners insurance way above average in our area and significantly more than last year. Again ZERO COMMUNICATION! I and my wife have felt like we were extremely taken advantage of by this shady company and their shady practices. This company needs to get investigated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi, I received a letter from PayPal Credit around 3 weeks ago. I opened it up and saw that I owed {$68.00} to an XXXX in XX/XX/XXXX to PayPal Credit. I thought was weird because I do n't have a PayPal Credit account. I called PayPal and told them it must have been fraudulent activity ( because I know I NEVER would have opened a PayPal Credit account ). They said they will look it up and investigate. A week later I get another letter and it tells me it was according to my normal  spending. After carefully looking as to where I would have charged {$68.00} to PayPal Credit I realized that I did charge that amount but it was SUPPOSE to be charged to my normal PayPal account that has enough money to pay for the {$68.00} transaction.
So I called them again but this time asking them why it was charged to the PayPal Credit when I do n't even have a PayPal Credit account. They said that I had one since XX/XX/XXXX. I was shocked because I I know I NEVER would have opened a PayPal Credit account. Now I am upset because 1. They said I gave them my information to open the account when I did n't 2. They opened a new line of credit without my consent and now it will affect my credit score.
3. And IF I did give them my so called " consent '' it was probably due to the fact that it was misleading advertiment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Affiliate Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I visited the emergency room on XXXX. I was insured by XXXX XXXX. The emergency room physicians group ( XXXX XXXX XXXX ) has a had a problem trying to collect from XXXX XXXX. XXXX XXXX keeps denying the claim. XXXX XXXX XXXX wanted me to contact XXXX XXXX to get them to pay the claim. I can not force XXXX XXXX to pay a claim, and furthermore I have never been contacted by XXXX XXXX regarding this claim. All of this has been stated to XXXX XXXX XXXX in previous letters. XXXX XXXX XXXX has now sold the debt, which is not due from me to Pendrick Capital Partners, which is trying to collect the amount through XXXX XXXX XXXX. This is an attempt to collect a debt not owed. Rather then take the correct action to collect the debt, XXXX XXXX XXXX and Pendrick Capital Partners, have fraudfently tried to collect a debt from me that I am not liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: MOHELA
State: DE
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:
Transferred from XXXX to Mohela XX/XX/XXXX. Never received any communication or initiation of contact from Mohela. Incomplete transfer of payment history and other information as of XX/XX/XXXX. I had to beg Mohela for payment history and they treated me as if they were doing me a favor by providing info. 

My PSLF applications have not yet processed through Mohela or updated counts despite being submitted spring XXXX. Agents, Managers and Supervisors unable to explain why my applications have not processed after 8 months. I have been told to be patient since XXXX XXXX. Ive had to resubmit my XXXX Loan Forgiveness application 3 times because of bad instructions and information from Mohela personnel. On XX/XX/XXXX, Mohela agent stated I would disqualify myself from PSLF if also applying for TLF. Spreading inaccurate information and completely misrepresenting the basics of COVID Waiver. Making loan holders jump through hoops, agonize and stress over possibility of jeopardizing their opportunity for financial security, making corrections to and having to resubmit applications because of Mohelas mistakes and holding up the forgiveness process in general. Im sure many have just given up. It is exhausting and discouraging spending so much time and energy with not even the bare minimum of regard or support from loan servicers. Many agents are condescending and rude when answering questions they are being paid to answer. This entire experience and process has been appalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Good afternoon my name is  XXXX   XXXX  have been a custom er with Wells Fargo  for a year or so now never have I overdrafted my account because I thought I understood the rules regarding debit cards in that you can not take money off of a card that does n't have funds available.  Wells Fargo  is claiming because it 's a reoccurring charge on my debit card they are allowed to process it and then charge me an overdraft whereas th e three ti mes before this the charge would be denied and then I would settle the problem with my insurance company however all the sudden the company has decided to charge me a {$35.00} overdraft fee when I have never had the problem before. I tried to call their customer support line and they told me because it 's a reoccurring charge it does n't matter that it was on my debit card their allowed to process it pas t   XXXX   a nd then she literally told me well if you can do anything else about it go to a different bank good luck and then she hung up on me very rude ly. Wells Fargo i s not a good company all they do is try to hurt their customers please impose a consiquence.

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 2022-09-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have a issue that I hope you guys can help me with. I have reached out to the credit bureau numerous times and at this point I feel like I am being totally ignored. It all started when I noticed some unauthorized inquiries and account on my credit report. I then sent letters to the credit bureau and got no response, I then reach out to them by phone. I explained what happened and the agent told me that they can not remove anything from my credit report with out a police report, So I went and got a police report and sent it to them and still nothing. I then did a FTC report and sent that and I see some of the Inquiries came off but the account and some inquiries stayed on. then one day I am watching the news and I see Equifax saying they have been reporting the wrong information so I immediately go and check my credit and I see my score drop and the inquiries that came off back on and plus double Inquiries as well. the inquiries and account is as follow : ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It seems that there are  XXXX  separate collection accounts from the same agency for an   XXXX   XXXX   visit when my daughter   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  . I had never received notification of the debt. Only found out when I ran my own credit before shopping for a new car and a new house for my family.  XXXX   XXXX   XXXX  never submitted the claim to our insurance company so, of course, it was not paid. I contacted them to have them submit these charges to  XXXX   XXXX   XXXX   XXXX   XXXX  FL. They said they could not do that and to contact  Debt Recovery Solutions. Debt Recovery Solutions is either unable or unwilling to submit these charges to the insurance company as they should have been 3 1/2 years  ago. This should NOT be showing up on my credit. As a divorced mother of  XXXX , this is impacting our life greatly as I can not be approved for a mortgage with  XXXX  income AND this hanging out there. Please help me and my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Back in XX/XX/22, I received an email from the the US Department of Education advising me that my student loans, formerly with Navient, had been transferred, and that I was to register soon with XXXX XXXX, which I did. However, despite doing so, I have consistently received emails and calls from Navient stating I still need to deal with them, or that I am in arrears with a payment soon due, or that they still hold a private loan of mine. None of these assertions can be true, since I have never taken a private loan, did not enter repayment bc still in deferment and only recently graduated, and we are all still under the federal COVID deferment. They also indicated my request for consolidation " was not processed '' since I needed to do that with them instead of the XXXX website where I have completed request for consolidation, request for PSLF, and request for cancellation due to faulty school ( XXXX XXXX XXXX  XXXX ). The last and several calls were from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: GA
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:
Inquiries/ Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In according to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

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 consent.

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 2017-06-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went through XXXX and they refer me to the XXXX XXXX XXXX to see if they can help us save our home. First XXXX XXXX from XXXX XXXX XXXX said that he can not help us when i explain to him the problem i have with my mortgage. Then he call me back and said that he will try and if it does not work he would refund my first payment of {$1900.00} a mont later i got a email that my claim was denied by my bank [ Chase ] try to contact XXXX XXXX XXXX but no respond, now my bank wants me to pay and i am short the {$1900.00} plus another month is added on to what We owed for our mortgage which is {$13000.00} and we only have {$10000.00} and Chase our bank do not want to accept partial payment.

Company response to consumer: Closed with explanation