BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-04
Company: EQUIFAX, INC.
State: MO
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 items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 )  XXXX XXXX, ( 2 ) Dept of ED/XXXX {$13.00}, {$7300.00} {$4300.00} {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: EQUIFAX, 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 am writing to request a correction of the following information that appears on my Equifax, XXXX, and XXXX consumer report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted Equifax, XXXX, and XXXX and filed disputes via email as well as certified mail with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Atlanticus Services Corporation
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the past 6 months I have made a phone call every month, requesting my payment date be changed. My payment date was originally the XXXX of each month. I had a XXXX and went on XXXX, where I only get paid on the XXXX of each month. The credit card company told me they would change the due date to the XXXX, but I had to " unfortunately, this one time make the late payment '' to get my account up to date in order to change the payment due date. I paid the monthly payment and the late fee which totals XXXX XXXX They said two billing cycles and it would change. Each month I paid the late fee for the two billing cycles. The payment due date never changed. Each month for the past 6 months I called, I emailed, I sent letters. Each response was the same. " Pay the late fee this one time and we will initiate the payment due date change ''. 6 months later, they've taken {$310.00} dollars in late fees and charged me {$70.00} dollars interest on those fees. I've spoken to many different associates who tell me there's nothing they can do. My credit limit is only XXXXXXXX XXXX I paid XXXX XXXX  for 3 months thinking my due date was changed because I received an email stating it was, I figured I'd pay it off and close it. Not the case. They refused to close my account and they are refusing to help me any further. I can not keep continually paying them all the while nothing is changing. At this rate, I will be paying them for the rest of my life. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: JPMORGAN CHASE & CO.
State: IA
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:
1. On XX/XX/23 my Chase checking account/Visa debit was charged a total of {$1000.00}. This was in the form of 3 separate transactions in the amounts of {$350.00} each. The charges were sent from XXXX XXXX to my XXXX account. The 1st charge was sent at XXXX XXXX. The 2nd at XXXX XXXX. The third at XXXX XXXX. These charges were not authorized. 
2. On XX/XX/23 I noticed the charges as pending when checking my Chase account. I called the Chase Customer Claims department at XXXX to report the charges as unauthorized/fraud. A fraud claim was opened with Chase under claim number XXXX. My Visa debit card was cancelled and a new one was issued. 
3. On XX/XX/23 Chase issued a temporary credit of {$1000.00} to my account while they did their investigations. 
4. On XX/XX/23 Chase finalized my fraud claim stating the charges were found to be authorized and reversed the credit of {$1000.00}. 
5. On XX/XX/23 the three charges of {$350.00} were rebilled to my Chase checking account removing the total of {$1000.00} from my available funds. 
6. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to see what documents or items I could send to reverse their decision and show the charges were fraudulent. They were going to relook at my claim and contact me. 
7. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to inquire where the claim was and if they had reversed their decision. I also faxed them a letter from the Chase Fraud department showing that other charges from XXXX from XXXX XXXX were confirmed to be fraud. 
8. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to inquire if they received my faxed documents. The agent stated they had and that my claim was still denied. I asked if the Chase Fraud Department found the charges to be fraud from XXXX XXXX, then why did the Chase Customer Claims not find them to be fraud. The agent stated they couldn't tell me and all they could do was send me the information that was sent to them from XXXX XXXX. 

At this point I have spent over 2 months trying to get the {$1000.00} refunded back to my Chase checking account. The Chase Fraud team found the charges to my Chase credit card from XXXX XXXX as fraud. There is no reason that Chase continues to refuse to do a permanent refund of {$1000.00} to my Chase checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: JPMORGAN CHASE & CO.
State: MI
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:
JPMCB Card account XXXX is reporting inaccurately across all 3 credit bureaus. I also did not give this company to report this information to my credit report. This reporting I believe has caused me traumatic stress. I recently opened a new chase account. My husband has a business bank account with chase. We have a tax company that has made XXXX XXXX thus far. My first pay out was XXXX figures. Chase opened my account and cleared my check. About a week later they decided to close my account with no explanation besides it was a company decision. I believe this negative account I did not consent for the company to report was the reason my account was closed. I was discriminated against based off of this inaccurate reporting account. XXXX reports a diff open date than the other credit bureaus, XXXX shows $ high limit while XXXX and XXXX reports {$4000.00}. XXXX reports a different last reported day than experian and XXXX. Date last active report diff on all 3 credit bureaus. Date of last payment is reporting diff on XXXX. I had to wait for them to mail me my check which took almost a month after they closed my new account. My check was cleared by my Michigan XXXX XXXX XXXX with no issues. I am demanding this company to remove this account from my credit report immediately as I never gave my consent and per the FCRA I must be told if information in my file of consumer reporting is being used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recieved multiple calls to effort to collect a debt. On all calls answered I have requested a breakdown of what I am being billed for as to include date of service and original biller. On XX/XX/2018 I recieved a call from XXXX XXXX who claimed I owed {$970.00}. She refused to provide me via mail with details about the break down of what I owed and yelled I don't have to give you nothing, I explained I had been the victim of identity theft and did not feel comfortable paying that amount over the phone and want the bill so I may see if I am finacial responsible before making the payment. She continued to yell and scream stating she would report me sending the items to collection. I hung up and called the company back, it was made clear that the debt she was trying to collect was part the statue of limitations and she had no right to seek payment for the amount she demanded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate

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 2023-09-01
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
I purchased home a on XX/XX/XXXX  with Caliber Home Loans for XXXX  I put a down payment of XXXX  than sold the home for XXXX  3 months later to a cash buyer buy I tried to purchase the other house for XXXX  I only had XXXX  as a down payment than I was told to get a FHA loan that as mortgage insurance which I was trying to avoid and till this day I have mortgage insurance than my mortgage was sold to XXXX when I later refinance to get a lower rate. The numbers do not add up can you please help a Senior in need

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Re : Second Complaint Against M & T Bank - Loan Number # XXXX Previous CFPB Case # XXXX To whom it may concern : The original complaint against M & T was submitted in XXXX, This is the second complaint with the new information. Until last week, XX/XX/XXXX-XX/XX/XXXX,  though I had called on numerous occasions, After checking records on my cell phone and work phone, I received no phone calls from M & T bank on either regarding my submission of substantial new information. Each call resulted in speaking with a different person who didnt have the file. Its amazing that they would not be willing to work with a customer who, up until this point, had paid timely and more than required. The scenario below outlines what has occurred. 

1. To my original request for a modification, M & T responded that I couldnt afford the modification, though the reason for a modification is to help the homeowner afford to stay in their home. Because of medical bills, which are still ongoing, there is a necessity.

2. As they requested, I sent additional information to show a reduction in expenses which shows a change in financial position. No response on the updated information.

3. The attached letters state that they are willing to work with me on loss mitigation options ; however, when I call the Homeowners Assistance Center ( HAC ) they say they are not. A {$650.00} reduction in expenses is substantially new information.

a. # 2 - XX/XX/XXXX letter. M & T states they are unable to honor the modification appeal because they didnt receive new or additional information. 
b. # 3 - XX/XX/XXXXupdated expenses. I sent an updated financial report to them on XX/XX/XXXX. The original report is included ( attachment # 1 ) c. # 4 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options. 
d. # 5 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options.

e. # 6 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options, and that I should call the HAC to inquire. 
f. XX/XX/XXXX, I spoke to XXXX in the HAC who said she was sending a new package for me to complete. However, the management in that area disapproved the request. 

Though M & T has stated that they are willing to work with me on loss mitigation options, their actions are just the opposite. Even after sending different financial data as requested, they didnt send another package as promised. None of the letters speak to the new information sent. When I call they are unwilling to work out options and say something totally different than what is sent with their letters.

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 2022-04-02
Company: EQUIFAX, INC.
State: NY
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 has violated my rights.

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 2023-01-17
Company: Carter Business Service, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Carter Business Services is still reporting medical debt of less than {$500.00} on my credit report which is no longer supposed to be happening in 2023 ( see XXXX XXXX XXXXXXXX  ). I opened a dispute with XXXX and asked them to remove this debt in accordance with the 2023 changes in credit reporting but they did not remove it and said that the debt in the amount of {$320.00} was " verified with Cater Business Services ''. The original creditor was XXXX XXXX ( an ambulance service ).

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 2020-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 the governor of Massachusetts shut down our state over concern about the COVID-19 virus. 

As a result my wife and myself were both laid off from our jobs. 

In early XXXX, Bank of America, being our mortgage holder, graciously offered us the opportunity of a three month payment postponement which we took advantage of ( see copy of acceptance attached ). 

The agreement states that " the three months postponed payments will be due at a later date, after the three month period has ended. XXXX will work with us on repayment options, including the potential option to add the payments to the end of our loan ''.

The three months have now passed and Bank of America is now threating foreclosure if we do not pay {$9100.00} in missed payments and late fees. XXXX was not serious on working with us on repayment options since they have the payment after the three months " payment postponement '' period. 

This agreement is clearly a scam on Bank of America 's part to collect late fees by delaying the payments required. 

This is also troubling since we are both still unemployed and risk losing your home. 
Additionally XXXX XXXX may be violating our Governors eviction moratorium by threatening us with foreclosure.

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 2023-01-31
Company: MOHELA
State: MN
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:
Mohela is my loan service provider after being transferred from XXXX  this past summer. I am in the XXXX program and have been diligently filing my employment certifications since XX/XX/. After lengthy delays and no communication from Mohela, waiting on hold for hours or attempting to access the chat feature that pops up randomly and with no logical pattern, and speaking to multiple different reps on chat or via phone yet getting no consistent or clear information, I am now at XXXX payments and thus qualify for forgiveness. What is even more upsetting, aside from the difficulties mentioned above, is that Mohela can provide no clear or logical process about when I can expect loan forgiveness, whether I need to do anything more, or whether they have even processed my account to be marked for forgiveness. It feels as though they are doing what they can to delay this as much as possible. While i can only speculate, i suspect it COULD be due to wanting to keep things pending so folks end up having to make payments once the pause is over - regardless of whether they are eligible for forgiveness or not. I was told, during my last call, that i do not need to do anything further now that Ive met the payment threshold of XXXX, but my fear is this might not be true and somehow, because of that, my forgiveness will be delayed or somehow skipped over because of missing information from me. I know Im not alone in my frustration and concerns. Filing a complaint against this company feels like the only thing within my power that I can do, so here I am. I do understand they have been inundated since the changes to the program have been implemented and they have had high turn over and are short staffed. I have empathy there. But if they are hiring and training people all the time, what I cant understand is why there is such broad inconsistency in what the reps say. Further, why isnt there a transparent and clear process about how XXXX works?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have help to write this letter for help. I am currently on XXXX I started drawing this in 2010. I was referred by XXXX worker to Legal aid to assist me with getting XXXX because I was struggling in the program tanf. I tested in the program with XXXX program and my results were very low and under testing requirements low math scores and cognitive scores showing I had scored low intellect scores in many areas. I struggled all through school I graduated but I'm sure they just passed me through. so I eventually tried the 2 year college I scored low but financial aid obviously pushed loans that I never understood the whole process of even where to get my books. so I never completed to gain credits. How could they allow me to enroll and receive fincial aid knowing i couldnt complete. when I clearly struggled to even find the classes. even in school I was not offered special classes when I showed failing always. XXXX sent me to test in many areas and I was shocked when an advisor give me my results basically I had many learning problems. I started Adult ATTN ( ADD ) medication as an adult it helped but I developed insecurities over the years from losing employment I still feel humiliated from so many comments on my ATTN issues math XXXX and on how it takes too long for me to learn tasks. I'm now responsible for these loans that I never gained a degree for with so many attempts to try again to fail ..I wish someone could have not allowed this financial hardship and prevented such a waist of funding with out special placement of some kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off both of my capital one credit cards 6 months ago. 
I was charged a membership fee that I was unaware of for both of my cards in the amount of {$19.00}. 
Since I do not use these cards anymore, but left them open to build my credit, I had no idea that they were delinquent and now past due. 
Capital one didn't reach out to let me know this until 2 billing cycles had past and it was now reported on my credit as a 30 day past due which brought my score down significantly. 
I immediately called capital one and settled my accounts and they are all paid, they even removed the late payment, but the damage to my credit score is already done. 
I worked really hard to rebuild my credit and have not had a late payment in years and years. 
I feel it is unfair that my score was damanaged due to something I didn't even know was happening until it was too late. Can this please be removed from my credit?

Company response to consumer: Closed with monetary relief