BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Chrysalis Holdings LLC
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
At the end of XX/XX/2020 our mortgage with New Day USA XXXX XXXXXXXX XXXX ) was transferred/sold to XXXXXXXX XXXX but on XX/XX/XXXX both companies withdrew my monthly payment of {$1800.00}. I believe the error was on New Day USA 's end because they had told me that the payment withdrawals would stop at the end of XXXX. Despite repeated calls to them I have not been able to get the money back. I am a Veteran and could not afford to have two mortgage payments come out of my account so it overdrafted onto my credit card. I will now have to  pay interest on the credit card for that amount. At the very least I need the money to be credited back to me as well as a penalty payment to cover the interest on my credit card and the time lost due to multiple calls to both companies and my bank to try to get the money back. 

I have attached copies of the monthly statements from both XXXX XXXX  and New Day USA as well as the transactions from my bank account that show the payments coming out of my account on XX/XX/XXXX and XX/XX/XXXX. 

I would also just like to say that I have spoken with New Day USA XXXX XXXX XXXX  XXXX multiple times in an effort to resolve this and they have been very unhelpful to the point of being rude. This kind of treatment of anyone let alone veterans is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've had repeated issues with Navient- harassing telephone calls, charging late fees without notifying me, not being flexible with my repayment options ; and forcing me into forbearance multiple times. I've entered into an income repayment plan with the government and even consolidated my loans with XXXX XXXX to get out from under Navient. I don't have the exact dates and all the times i've tried to reason with Navient ; because they're excessive. I can provide an account statement. Technically I don't have to pay them because i'm a graduate student. Not to mention, i'm XXXX and my parents ( co-signers ) filed for bankruptcy. ALL of this, i've tried to tell the company. I don't have an income- and as i've been trying to explain to them multiple times, I can't afford the payments, am sick of being forced into paying fees for deferment ... .etc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Ive tried on numerous times in the past- so many times ( can be verified per my Navient and XXXX XXXX account ) to negotiate with either Navient or XXXX XXXX in regards to lowering my interest rate. Ive also attempted many times to apply for programs ( IBPR/ is one ) that would help me pay off my account, To no avail - I was told for 2 years they could not find my account???!! I need to negotiate to the lowest payment ( minus all the accrued interest ) and pay this loan ( consolidated now ) off before I retire. HELP me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: FL
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:
Unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A line of credit was opened with bank of America was opened via XXXX without our knowledge on XXXX 2022 with a credit limit of $ XXXX. We were warned by XXXX and XXXX via XXXX XXXX on XXXX 2022. Fortunately no charge were made. This account was created with our former address. We called Bank of America and they cancelled/closed the account. We are now reporting this to you. Thank you

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 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I attempted to extend myself a credit card through Capital One followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXX, XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage, XXXX XXXX XXXX, XXXX, MI XXXX, has produced billing errors since I took over as Power of Attorney in XXXX, 2022. These error centers on a monthly charge of {$360.00} for the provision of flood insurance, even though my client already has flood insurance through the XXXX XXXX XXXX. Rocket has received documentation from the XXXX  insurer and myself multiple times proving the existence of flood insurance. However, I received warnings as late as XX/XX/XXXX that Rocket was going to continue to charge {$360.00} for the flood insurance. My client has received threats of late fees and credit damage, this flood insurance weren't paid. I have personally talked to Rocket 's staff to correct these errors. They claim that corrective action will be taken. That remains to be seen as of this date. My client 's experience with Rocket over this insurance issue has caused pain and suffering that Rocket will not compensate for. My client is XXXX XXXX XXXX with XXXX  difficulties. The Mortgage was closed some time before XXXX, but flood insurance was not part of the closure process, even though the lender requires it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was hospitalized on XX/XX/2017, I XXXX XXXX XXXX and had to have XXXX XXXX. As a XXXX XXXX I am aware of the policies in a hospital. I was brought in via ambulance and was sat in the waiting room for over an hour while my XXXX XXXX XXXX XXXX and I was XXXX. This is a direction violation of federal law EMTALA The Emergency Medical Treatment and Active Labor Act. I immediately notified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   and that I was unable to sit up, this was also conveyed to the nurses, yet I was placed in a wheelchair and sat beside a trashcan in the waiting room because " their XXXX XXXX patients were occupying the ER rooms '' After waiting for an hour in immense pain I asked for a cotton swab and band-aid to remove IV so that I could be taken to receive proper care before I XXXX XXXX XXXX XXXX.   Per their ER MD, had I not raised sand and gotten back there, I could have possibly lost my life. As a XXXX XXXX I was truly disgusted & appalled at the behaviors of the medical staff at this facility. I feel extremely saddened that there are patients that receive this type of care and no one is there to advocate for them. The hospital was paid by my employer & insurance company XXXX and I had to pay a XXXX co-pay. Due to the services received, the negligence of careless, insensitive staff, the violation of federal law, I am not obligated to honor this debt they insist I owe. 
Please take these factors into consideration as I am unable to pay this debt. Thank you for your time.

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 2021-11-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up under a Barclays XXXX XXXX ( XXXX  ) promotion that stated the following under the terms and conditions : Bonus XXXX Miles You will receive XXXX bonus XXXX  miles and a {$95.00} statement credit after spending {$2000.00} on Net Purchases within the first 90 days of your Card Account open date. 

I satisfied the terms of the offer by spending {$2000.00} on net purchases within the first 90 days of the card being opened ; however, I only received XXXX bonus miles and did not receive the {$95.00} statement credit. I am still owed XXXX miles from Barclays and/or XXXX XXXX , along with the {$95.00} statement credit.

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 2019-05-15
Company: Greater Collection Agency Bureau, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on XX/XX/XXXX I received a call from my Mother-in-Law in California that she received a call from XXXX XXXX of GCAB ( XXXX ) and that I was getting sued for a debt owed. I called XXXX back immediately and after verifying my information told me they were filing a class action suit for a XXXX XXXX credit debt. I told her it was part of our bankrupt several years ago and that I would call my lawyer to give them this information. She stated she had my lawyers information and would note it in my file. 

Calling a elderly family member is wrong when I do not owe any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have an auto loan with Wells Fargo Dealer Services. Over the summer ( sometime between XXXX and XXXX ) my monthly payment jumped from {$440.00} to {$470.00} without notice. I called and inquired about the price jump, and was told that Wells Fargo Dealer Services did not have proof of insurance, so the extra fees were collateral protection insurance added to my vehicle. I have attempted, since XXXX, to update my proof of insurance, but have been stonewalled every time. Wells Fargo Dealer Services currently has no practical way for me to supply them with my proof of insurance, and subsequently they continue to charge me extra money while the matter goes unresolved. I have called them several times trying to fix the matter, but nothing ever gets corrected. I have sent my insurance info to them in the mail, on a fax machine number given to me by a representative and via online website and have had zero confirmation that they received it. I am aware there is a class action settlement against Wells Fargo Dealer Services for this exact same thing, and I believe that I am being affected by their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
This was a VA loan and they overcharged on the fee for points according to VA. They took almost 3 months and complained they had too many other customers to take care of my application. I was also told I would have 2 months with no payments with new bank and the loan did not close until XX/XX/XXXX and the payment was due to XXXX by XX/XX/XXXX so I had to pay as I promised to pay according the the Home Modification Program. I have called and tried to explain what they did but was told I got a good loan and to have a good life, they are done with me. The loan application was started XX/XX/XXXX and completed XX/XX/XXXX, they knew I was leaving the country on XX/XX/XXXX for 2 weeks so I could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX is not allowing its users to see their balance in a secure third party app. It is largely inconvenient, but aside from that, users have the right to access this information in any way they see fit. It allows users to get an overall view of their financial situation and without access to this data, makes managing credit almost impossible. Further, it makes users think twice about keeping a credit account with banks who do not allow this access. Please fix 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 2021-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I used my Chase Mileage Plus credit card to purchase an upgrade on two segments of a XXXX XXXX ( $ XXXXeach x XXXX segments = XXXX USD. ) In XXXX, I declined to renew my card for another year and my balance was XXXX by XX/XX/XXXX. 

My flight was canceled due to Covid restrictions in XXXX on XX/XX/XXXX. 
After contacting XXXX several times during spring and summer and alerting them to my closed Chase credit card, they processed the refund, through XXXX, to my closed Chase credit card on XX/XX/XXXX. 

On XX/XX/XXXX, I called Chase credit card, and was told they had no record of my credit card account. After multiple calls ( 3-4 ) I was told my card had most likely been " purged '' and my only recourse was to fax the " Purged card department. '' I did that, with all information, on XX/XX/XXXX. 

On XX/XX/XXXX, I made repeated calls to Chase in order to find an address to which I could send a followup letter about my refund. I was told, without any doubt, that I had never had a Chase credit card -- this despite the fact that I was holding a photocopy of the front and back of my Chase credit card ( the original of the card was destroyed when I canceled my account as is usual good practice. ) When I provided my full SSN, I was assured that I had never had a credit card at Chase under that SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BYL Collection Services
State: NV
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:
Credit report form XXXX XXXX XXXX XXXX shows delinquent rental history of {$100.00}. Called agency reporting delinquent account, BYL Collection Services, found out it is a delinquent account from XXXX XXXX in the amount of {$100.00}, for which I have never received a bill. BYL says that I needed to contact XXXX XXXX. Contacted XXXX XXXX, they could not correct the error stating that it was a utility bill and not a rental history report, I needed to contact BYL. I explained that BYL said I needed to contact XXXX XXXX. Neither company was able to correct the error. Contacted each company XX/XX/, talked with XXXX at BYL and talked with XXXX at XXXX XXXX. Talked with XXXX at XXXX XXXX XXXX XXXX on same date. Nobody was willing to correct the error and kept passing me from one to the other and each saying I need to contact the other. Need this resolved to show it is a utility not a rental history of delinquency. I am not disputed the amount, I did not know about it and I am willing to pay as I stated to XXXX. She is sending me a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
JP Morgan Chase repeatedly calls my phone number looking for someone who has not lived here for XXXX years. 

I have told them to stop calling me, but the calls persist. 

Most recently, JP Morgan Chase called four times today alone : at XXXX XXXX, again at XXXX XXXX, again at XXXX XXXX, and the fourth time at XXXX XXXX. After the fourth call today, I requested the name and ID # of the caller. His name is XXXX, ID # XXXX. I also told an Account Supervisor named XXXX, # XXXX of the repeated phone calls and JP Morgan Chase needs to stop harassing me. 

They call me repeatedly. They call frequently. They called me four times today alone. They say they are going to take the number off their list but they don't do it, and the calls continue. 

I am not the person they are looking for. They are repeatedly harassing me. I want this harassment to stop. I do not want them to ever call me again. 

Note : all the calls today came from phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: KY
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 received a loan from XXXX XXXX XXXX back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! Equifax report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Huntington sold my account to XXXX XX/XX/XXXX. I have attempted 3 times to get statements from my Huntington account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over 3 times, and each time I get passed around. By the time I reached someone, they said I needed to call XXXX XX/XX/XXXX. This makes no sense, because XXXX didn't have my account at the time. I've spent hours trying to do this, and it is preventing me from obtaining financing on a home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: LEXISNEXIS
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:
they deleted some of the false fraud claims but not all the ones they left two out that where in ohio where i never lived here is the police report and the two claims that they need to delete from XXXX XXXX and XXXX CLAIM 1 Claim Date/Age : XX/XX/XXXX ( 02yr - 04mo ) XXXX  File # : XXXX Company : XXXX XXXX XXXX   Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Sex : M Address : XXXX XXXX XXXX, XXXX Drivers License # : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$25000.00} BODILY INJURY CLOSED {$65000.00} COLLISION CLOSED {$26000.00} PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM 2 Claim Date/Age : XX/XX/XXXX ( 04yr - 03mo ) XXXX File # : XXXX Company : XXXX XXXX Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XX/XX/XXXXSSN : XXXX Sex : M Address : XXXX XXXX XXXX, XXXX Drivers License # : XXXX Vehicle : XXXX VIN : XXXX Disposition : DAMAGED PAYMENTS BY CLAIM TYPE Amount Type Status NaN COLLISION CLOSED Additional Info : N/A

Company response to consumer: Closed with explanation