BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019 I made a significant payment XXXX USD on my consolidated student federal loans with Navient using the custom payment option in order to pay one of my loans off. After reviewing the posted payment I noticed the payment was split between the 2 separate loans with each having an interest of 6.875 %. I made the payment in plans to cut my student loan owed amount in almost half with only 1 loan at 6.875 %. After reviewing the posted amount I called Navient on XXXX XXXX 2019 to correct the transaction and it was explained I should see the correction with 24 to 48 hr the timeframe given has passed I reviewed the posted payment again an no change so I called back Navient on XX/XX/2019 to correct the transaction again and I am now being inform that if Navient fixes the payment to reflect the 1 loan  payed off it will bring my other loan to a XXXX USD delinquent balance and customer service is unable to complete the transaction. So now instead of me having to pay back 1 loan at 6.875 % I am still expected to pay for 2 loans at a total of 13.75 %. To me it appears that Navient doesn't want me to pay off 1 loan because they will loose the extra 6.875 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I prepaid my property tax to XXXX County Il in hopes of taking advantage of the recent tax law changes. 

Payment made XX/XX/17 for {$7600.00} Amerihome Mortgage Company refunded from my escrow {$6600.00} They refuse to pay me the full amount of my payment and owe me {$1000.00} AmeriHome XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: WELLS FARGO & COMPANY
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:
This is a follow up to CFPB case # XXXX For the third time - the inquiry on my XXXX credit report ( see attached ) does not belong to me : " WF CRD SVC on XX/XX/XXXX '' ... I have never applied for a Wells Fargo account. I have sent you a certified letter that was received back on XX/XX/XXXX that was never responded to. XXXX  says I must talk to you to correct the problem. 

As you can see in the attached letter sent from XXXX XXXX in response to the prior CFPB case - you have my name as XXXX XXXX ( see attached ). This is not me! XXXX has also sent me fraud alert that somebody has attempted to use a variation of my name. ( see attached ). 

Please remove this inquiry at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Mr. Cooper Group 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 is missing that should be on the report

Complaint:
I filed a complaint with the Consumer Finance Protection Bureau a few days ago against XXXX  XXXX XXXX and Nation Star Mortgage. 24 hours after filing the complaint, which had nothing to do with the information reported by XXXX XXXX XXXX on my credit report my closed and paid in full Mortgage loan was removed from my Credit Report. 
I received a phone call yesterday and voicemail message from XXXX XXXX XXXX Regulatory Compliance Services XXXX ext XXXX. 

This call was a response to a complaint I opened regarding the banks non compliance with XXXX XXXX mortgage settlement and {$10000.00} they owe me via a lien they refused to remove, even though they sent me a letter promising to do so. Once I tried to sale my home the Bank stated ignoring my phone calls and refused to talk to me. So during the escrow process I had to pay them the {$10000.00} or loose the right to sale my home. 

The removal of my previous payment history is retaliation and another example of the XXXX XXXX XXXX unethical business practices. I called Regulatory Compliance at XXXX   XXXX XXXX 10 times yesterday and they never returned my call. The XXXX system is being abused by XXXX XXXX XXXX and it's a violaion of of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a general complaint about the mortgage industry. As a XXXX I understand the workings but as a homeowner I am XXXX off about it also. I go to a lender to get a loan for a house, I choose a reputable company to do business with and do my due diligence in selecting a company with a good track record and customer service. Just about every company will then sell my loan to someone else to service for the life of the loan or until it is sold again. This is my problem, I have no say in who is able buy and service my loan, I get nothing but a headache when dealing with them. They do not estimate my escrow correctly and now I am hit with an additional $ XXXX/month. When they took over my loan the monthly payment dropped over a hundred dollars, so I knew this was coming at some point. It does not take a rocket scientist to look at taxes and insurance and come up with an escrow plan. But for someone on a fixed income or tighter budged could be XXXX. I cant even refinance with a good company because there is a good chance that it would then get sold and who knows I might end up with the same horrible service company I am with now. 

I think consumers should have the RIGHT to say yes or no to who services their loan. I would never choose a company with horrible service or a bad track record when it comes to escrow management. I know this will never see the light of day but as a XXXX this is a problem that needs to be addressed as the consumer has no choice in the matter and it is WRONG! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: MD
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:
On XXXX XXXX 2017 I filed despites on 4 student loan accounts and XXXX, XXXX, Experian, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I looked at my XXXX credit report ... and there is a discover card open in my name that I dont recognize and its has a XXXX balance on it and it was open in another state and its has a Washington address on it and I never lived in XXXX Washington .... and I disputed with discover and they put that account on my credit report and never ask for a police report from me .. and my credit is damaged and the fraud reps were rude to me and I cant get this account off my XXXX  credit report .... and I never applied for it .... the account number is ending XXXX and I lived in Texas that matches my driver license and I only applied for a discover secured card dating back in XX/XX/2017 that I paid off ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XX/XX/XXXX received a market solicitation from Capital One that provides for a 12 month 0 % interest balance transfer. It the time my credit card balance with Capital One was {$0.00}, my credit score was north of 720, and no delinquencies with any creditor. I completed the balance transfer on-line on XX/XX/XXXX for $ XXXX. My credit line was $ XXXX. On XX/XX/XXXX - Capital One issued my statement and charged my account interest of {$110.00} and charged the transfer as a purchase with a rate of 21.65 % APR. On XX/XX/XXXX - I called Capital One and told them about the purchase error. I was told that it was a known issue with ALL balance transfers made after XX/XX/XXXX and it would be corrected in 3 business days. I called back 5 business days later because it was not fixed. I then told it was going to take 2 billing cycles to correct. I was told I would be receiving a letter explaining the error. I called again on XX/XX/XXXX and the problem is still not fixed. I explained to the agent that credit bureaus were receiving incorrect balances and understating my available credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-18
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed the XXXX XXXX XXXX collection account in XXXX of XXXX as " Does not Belong to Me '' with the CRA 's. They started reporting in XX/XX/XXXX, years after the original creditor, XXXX XXXX, has resolved my CMRRR dispute and removed the debt that resulted from my identity being compromised. XXXX had stopped reporting, then years later XXXX XXXX XXXX showed up on my report. 
XXXX XXXX XXXX failed to respond to my initial dispute so on XX/XX/XXXX I sent them a letter enclosed a copy of an FTC Identity Theft Report, a police report, and proof of identity requesting they delete the account and provide me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit file. I still have not received any response, other than the account being reported as accurate with the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DLR SVC/ has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of mypayments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XXXX- I Submitted CFPB Complaint # XXXX. To J P Morgan Chase Credit Card Services.  About a week later a ( Un Named ) Chase Executive Office lady Representative phoned me and told me letters of Credit card Closures dates, balance amounts for cards ending in XXXX and XXXX, were on there way. Few days later one billing statement arrived for one card. I phoned on XXXX XXXX to Chase customer Service # XXXX, when I received billing statement and left her voice mail message that statements WILL NOT FULL FIL COURTS REQUIREMENTS FOR LOSSES IN A FEDERAL COURT ACTION and she had till XX/XX/XXXX when CFPB told me that the Chase Response letters were due back to CFPB. 

This Lady phoned me back and did not understand my voice message and wanted to just talk about things unrelated to previous message left by me on her Voice message. I did return a phone call to her, but rang so many times I got fed up with Chases ( gas lighting run-around tactics ) now no English combredo XXXX I hung up. 

Chase Executive Credit Card Department does NOT NEED 60 Days to type a Chase letterhead letters containing the Credit Cards Closure Dates, and Charge off balances due it takes 2 seconds with Chase on the phone to get this information, can not REDUCE THIS INFORMATION TO WRITING Chase closed my Chase cell phone app to get particle info.

This a Legal request to comply with so I can present them as damages to the XXXX Circuit Court of Appeals to get what is due Chase, from a third party that embezzled my income! 

I have been asking for these letters from Chase Since XX/XX/XXXX and no Federal Judge will tally All your XXXX billing staments!

One more statement I DID NOT AUTHORIZ
E any one else to makes purchase on my cards under Purchase Interest Fees and Chase DID NOT NOTIFY CONSUMERS of a Chases self imposed enrichment fees with a 30  day fee change notice to consumers!

And WHY does Chase bank do not cash their own Chase Bank Checks?!!

If I do not get these letters from Chase soon I will SUE J P Morgan Bank! For NOT COMPLYING WITH A FEDERAL DOCUMENTS To SHOW AS EVIDENCE DOCUMENTS AS I HAVE REQUESTED AND FRAUDULENT CONSUMER BUSINESSES PRACTICES! 

And Chase you wipe clean these two credit ratings as poor off my Credit reports and state Excellent ratings from this customer! Because J P Morgan Chase refused to comply with a legal Federal request from consumer to prove Embezzlement of another party Crime!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/2017, contacted by XXXX to turn my vehicle in before end of lease. Went to XXXX dealership and decided we preferred a XXXX instead. The dealer, XXXX XXXX XXXX, has several dealerships, one of which is a XXXX  dealership, and the XXXX salesman referred us over to XXXX in XXXX. They did confirm before we left that our vehicle was worth its value for trade. 

Same day, we went to XXXX dealership, found a XXXX, and negotiated the trade-in of our XXXX for the XXXX. 

Less than a month later, we received a notice of repossession for non-payment on the XXXX. When I called XXXX XXXX, they told me to disregard the notice. We also called the dealership, and they apologized, saying that delays were causing this, and actually offered me money to make up for the aggravation ( never received any money, by the way ) ... After calling both the financing company and dealership, I wrote to both of them. No response. 

I then found a charge-off on my credit report for more than {$4000.00}. Wrote again and requested it be removed. No response. 

After a year of writing and trying to resolve, I reached out again to the dealership. They provided a cancelled check made out to Nissan-XXXX. I called Nissan-XXXX, and they advised that the check was only a portion of the payoff. After several calls back and forth, XXXX suggested the dealership call them directly. During our most recent call with XXXX, they advised that they never received a request for a payoff from the dealership. I know they called, because I was at the salesman 's desk when he made the call on speaker phone. 

From the day we went to XXXX XXXX XXXX, a lot of things were fouled up. The salesman was very nice, but we sat there all day and, right before closing time, they had me sign docs, told me they would finalize everything and get my down payment when the car came in. Did not provide me with a copy of my closing package, took a week to get the car ( we had to call THEM to find out what was going on ). My new lease payment statement didn't arrive until AFTER the due date for the payment, had to hurry and call and clear that up. There was a major delay in processing the paperwork on the new lease. 

I know we are not at fault here and just don't know what to do at this point. Feeling very manipulated. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following 4 creditors/payee below are showing up on my credit report. I am confidently sure I do not have an existing account with these companies. To confirm I called all of them and they confirmed I do not have any loan or existing debt under my name and Social Security #. Kindly help remove them on my credit report ASAP as this is affecting my loan approval to refinance my mortgage. 

XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX  XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX, I responded to a voicemail that had been left for me by a woman named XXXX. She did not say what company she was calling from, but was calling to respond to a claim made against me with a case number. She said if I did not call back that action would be taken against me without consent. I called and spoke to a person named XXXX XXXX. XXXX claimed to be of XXXX XXXX XXXX, a mediation group who was trying to help me from being sued in court from Wachovia Bank now known as Wells Fargo. XXXX had my address and current information. XXXX claimed that I was in danger of being sued over a debt of {$260.00} from a closed Wachovia Bank account in XX/XX/XXXX. He said the bank was going to sue me for {$750.00}. He said it was unlikely, but that he could discuss with his associates about getting me on a payment plan. I expressed hesitancy and that I thought it was a scam. He sent me a contract that requires my e-signature that now states I owe XXXX XXXX XXXX the above amounts, not Wachovia Bank. XXXX XXXX has my debit card information and has charged me {$100.00} since this phone call.

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 2022-02-02
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
RE : XXXX I called one month before the lease was expiring and explained to the person that I will be traveling and telling him the day I will be returning the car, he told me that I have some grace period. 
After several calls on XX/XX/25 I went to the dealer, and they provided me an invoice that was printed from the system, it says {$28000.00} and was valid for ten days ( please see attached ) .when I requested an explanation, I was told that it was from the system and if I wanted the details, I have to call Audi Financial directly. Same day, I called and was told that they can not provide me with that information. 

In my initial agreement the residual value was {$28000.00} and it was in my right to know why there was a difference of {$280.00}. However, neither XXXX XXXX XXXX that was the dealer nor Audi Financial provide me the information. XXXX XXXX told me that they received a statement from Audi Financial and Audi Financial told me that they can not provide that information and the dealer should tell me. My right is to know what I am charged for. 

Since this was a complete nightmare and lose a lot of time from my job, I decided to purchase the car and pay for it with a personal check, however, I was required to get a cashier 's check and it was already XXXX so, I told the salesman helping me that I will return the next day with the cashier check. I returned the next day with a cashier check for {$31000.00}. That amount includes the taxes and registration fee. However, the salesman explained to me that the amount due changed and I had to pay an additional {$21.00}. Again, when I asked for an explanation, he just said that it may be interest, however, he told me to call XXXX AgainXXXX XXXX, according to the person, was unable to tell me over the phone. So, once more and to finish the nightmare, I paid that amount, not knowing what I was paying for. 


At that point, I decided to stay quiet even though I know my rights. What was my surprise when I received a new invoice for {$700.00} charging me interest and disposal fees when I did not even return the car, I purchased it. 

After that, I have written two letters and called once, but according to them, they have not received the letters. According to the lady that answered my last call, XXXX  XXXX XXXX purchased the car and if I have an issue call them. 


I paid off the lease 3 months before and I did not receive a credit for that. Also, leased several cars with them and never had felt so aggravated with the way they conduct business. 

I want a reimbursement of the {$280.00} + XXXX that paid the next day and a complete reversal of the {$700.00} invoice Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04
Company: CNG FINANCIAL CORPORATION
State: SC
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 have a hard inquiry on my credit report from XX/XX/2018 for this company : CHECKNGO/AXF XXXX XXXX XXXX XXXX, OH XXXX I never applied for any credit with this company.

Company response to consumer: Closed with explanation