BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - We received our annual notice on how to cancel PMI and the requirements to cancel PMI, which states we need a LTV ratio of 80 %. Document states " or according to your contract ''. 
XX/XX/XXXX - Called to verify the requirements to cancel according to OUR contract. 
We requested the forms needed to cancel PMI because we believed we qualified for the cancellation, or if we did not, we would qualify within 6 months ( one of the requirements within their notice ) XX/XX/XXXX - The mortgage company mailed our packet for PMI cancelation which again included the requirements to cancel PMI. ( note : no where on this form does it say " or according to your contract ''. ) XX/XX/XXXX - I again called the mortgage company to verify these were the requirements for MY mortgage as well as verify the calculations for loan to value ratio. ( I was told to take the remaining loan principle and add 20 %, my appraised value needed to be higher. Even when I asked explicitly, " are you sure I do not take the appraised value and subtract 20 %, and my principle needs to be lower? '' I was assured by the person taking my call, XXXX XXXX, and her supervisor, XXXX XXXX, that I was incorrect. 
XX/XX/XXXX - With the assurance of the letter and phone calls, we sent our check for {$350.00} to get our house appraised to have the PMI removed. 
XX/XX/XXXX - Mortgage company sent a letter of receiving our check. 
XX/XX/XXXX - Appraisal was completed. 
XX/XX/XXXX - Mortgage company sent letter denying our request. 
XX/XX/XXXX - Mortgage company added a note to our file that our contract states that we must be at 75 % XXXX under 5 years ( we were 7 months shy of our 5 years ). 
XXXX, XXXX - After receiving our denial of PMI cancelation, I called and talked with XXXX XXXX, who confirmed the actions on XX/XX/XXXX. 
XX/XX/XXXX, XXXX I faxed a letter to the mortgage company with all of the above actions outlined on the letter. 
XX/XX/XXXX - the mortgage company sent a letter stating " we apologize for any misinformation you may have received from our Representatives '' and continued to tell us the " new '' information of 75 % LTV ratio. 
XX/XX/XXXX - Received my annual notice concerning PMI and the requirements to remove PMI. AGAIN, the letter states my LTV must be 80 % or less. 
XX/XX/XXXX - meet with a Lawyer about actions we should take. Suggested giving the mortgage company one more chance by submitting a complaint here.

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 2021-02-08
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover Card asked me to pay credit card debt that I do not own. The card was created with identity theft, without my consent, shown on statement credit card created in XXXX. I did not ever involved in any transaction with Discover Card. I report the issue to the police on XX/XX/2020 after I received notification from Discover Card asking me to pay off their credit profile. I believe I should not be responsible for any transaction I did not authorize. However, Discover Card declined to take off the record after I contact Discover Card, for many times over the phone and mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit pan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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:
I really didn't see choices that fit so I hope this goes to the correct place. Today, XX/XX/XXXX I signed on to Chase.com to pay a mortgage and credit cards. At sign in a screen appears that directs me to read and accept an Electronic agreement and a Digital agreement. If I do not agree I will not be forwarded to and no longer have access to the accounts. Now I know I'm expected to click and continue as 99 % do but I have a little time, stuck at home you know, so I read. The first document is 9 pages long. As expected it is written to completely obfuscate its intent but I kind of get the drift. The second, attached, is a full 49 pages long and written even worse. I am not supposed to understand this unless I spend several hundred dollars with an attorney to decipher it. 
I understand the need to be legally specific but when it deliberately descends into the totally incomprehensible one can only assume that there is little good and much bad for the consumer. This thing was not written for my benefit. 
The proof will be how many actually read it let alone understood. Not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, XXXX XXXX of Freedom Mortgage reached out to me to do a XXXX XXXX. I told her of my experience and she stated it would be different this time. After looking over the paperwork I decided to go ahead and go through with the refinance. I had went through an experience with them last year in regards to adding my spouse to the title work. The same issue arose and they told me that they could not add her. I had to resend everything again to have them add her knowing that they could and it would be easier to do it during this process. I went to scheduled on XX/XX/XXXX and they could not accommodate my request when I told them that I could not close on the date provided. The scheduling department kept trying to explain the process and would not let me pick my own notary since they could not accommodate my request which should be my right as the consumer.

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 2023-03-29
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XX/XX/2021 PAYPAL Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Gentlemen : Twice in the last few months PayPalCREDIT has attempted to charge my account Late Fees despite my payments being made several days ahead of due dates. These payments were electronic and I have verified with my bank that funds cleared timely. In both instances I wasted time speaking to your agents who argued the matter and in the first case reluctantly waived the fee. On the second occasion, the agent refused noting that an accommodation had already been granted. I requested to speak to a Supervisor but after a lengthy delay he failed to find one. 

These instances do not constitute customer service accommodations, but rather deceptive trade practices and fraudulent activities. I shall not waste further time on them, I shall not pay any related fees or interest and I will refrain from using your services until such practices are remedied.

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 2019-10-22
Company: Navient Solutions, LLC.
State: MA
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 have called Navient several times in the last 10 years about my student loans. I told them I was having trouble paying the monthly installments and I was told that forbearance was my only option. This has been my only option each time I have called. Around XX/XX/XXXX, I was young enough to foolishly accept forbearance on my loans not realizing what it actually meant. Two years ago in the fall of XX/XX/XXXX I called again to attempt to lower my monthly payments and I was again told forbearance was my only option. I told them I would not be going into forbearance and that I just needed a lower monthly payment in order to actually survive and create some sort of savings. I was then told again that forbearance was my only option and if I didnt want that I should have my co-signers pay. I told them that my mother is not responsible for my student debt, and they then told me my father should pay. I told them my dad died in XX/XX/XXXX, and we had sent them a death certificate, the person on the phone then argued with me about my dads death ( I had to remind him numerous times about him having passed away, and each time I was told to have him pay, or go into forbearance ). 

There have been numerous times I have asked for my mom to be released as my co-signer and each time I have been denied. There have been many occasions where my mom gets my monthly statement and I do not, and they will also call her and not me when trying to collect debt, which sometimes isnt even due for a few more weeks. This happens frequently despite both my mother and I telling them they should be calling me as it is my debt. 

The amount they have been asking per month has been substantial and inflexible which has caused me to barely get by each month financially. Evidence can be found in their phone recordings as well as loan statements when I had entered forbearance after being told it was my only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: NAVY FEDERAL CREDIT UNION
State: WA
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:
We had two vehicles with Navy Federal. My ex and I began going through a divorce, which directly stated the separation of our vehicles. I was advised on several calls, even with sending in a copy of the divorce decree that I could sell my vehicle and they would pay what is was worth. 

I was advised on multiple occasions, even 3-waying my ex to state the terms that once the vehicle was sold and paid off by Navy Federal the remainder of the loan would NOT report any longer to my credit and that I could pay the balance about {$5000.00} for transfer fees and cancelling a loan by calling or going into a location because it became a loan without collateral. My ex agreed after about 6 phone calls with reps and supervisors stating the same thing and we sold the vehicle back to the dealership we purchased it from. This is the ONLY reason he agreed and signed. 

We told Navy Federal up front we would allow it to get repossessed to separate it and let it fall off because we no longer would have the car to continue making car payments on and they gave us this option. They did the exact opposite, lying over months to us about what would happen once we gave it back. We no longer have the vehicle and a new loan hit our credit saying a loan with no collateral and the balance is {$26000.00}. I am now a single mom of three with no vehicle and they are telling us when we called to see what happened that I still had to make the monthly payments ( the same as when I had the car ) until the loan is paid off. 

He immediately asked them to give me the care back and they refused saying they already paid the dealership. My heart is broken and now I have two car payments one for a vehicle that no longer exists and then for my ex because they did not take me off of his car once I sold mine. It turned into he has to refinance and qualify on his own and we asked that specifically before all of this mess. Now I am out of a vehicle and can not qualify for another due to credit and all the late payments they hit me with during this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've recently been monitoring my credit report & noticed many inaccurate items, names, and addresses that don't belong to me. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following items be deleted immediately : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX  XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX. XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family, XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family. I have no affiliation with the following phone numbers : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX ) XXXX-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
I forced GM to settle but they failed to honor their end of the agreement. My XXXX  was destroyed about 6 months ago. General Motors requested my GAP insurance and so did I. I had never received my accelerate notice and there was no paperwork submitted by the insurance provider or anyone else. I had called and asked for a settlement and if I could setup payment arrangements. Today was the first day that I was able to speak to someone and that there was an accelerate notice and that they had never updated my address, which is why I never received my paperwork. I was told by a representative that if the insurance did not pay anything, then the GAP would not cover anything and that the paperwork was not turned in within the 90 days of the accident. My correct mailing address was just updated today since I had purchased the vehicle and they have been using the incorrect address. When I contacted collections, I told them that they could not place this on my credit during this time and was told that it would be kept in house and would then be sold to another company and would show on my credit report for 7 years. I would told that they would not settle with me at all. I even asked about my extended warranties and was informed that I would have to go back to the place of purchase. I filed a complaint and the next day GM settled and I paid a few weeks letter in full. 

GM has brought harm to my credit during the pandemic period. This aggression by GM is outrageous. I settled but they still continue to do wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: ND
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've recently been monitoring my credit report & noticed many inaccurate items, names, and addresses that don't belong to me. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand  the following items be deleted immediately : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX. XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family, XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family. I have no affiliation with the following phone numbers : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) 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 2020-04-02
Company: Experian Information Solutions Inc.
State: KY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2020 Experian credit monitoring services began billing by credit card {$19.00} as a recurring charge. I made multiple attempts to contact Experian regarding this charge. I have made no purchase from Experian. However, Experian clearly puts up barriers to customer contact. No chat or email options are offered and, the phone number provided sends the caller to a robot menu. The robo system allows no option to speak with a human being. Instead, it just eventually ends the call. 
One option provided in the robo menu is " cancel membership ''. Although I never signed up for a membership, I have repeately selected the " cancel '' option. When I do so, the robot tells me that I have no membership. 
I reported the fraud to my credit card issuer ( XXXX XXXX ). My account was frozen and a new card was issued. Then, on XX/XX/2020, the fraudulent charge of {$19.00} appeared on the new credit card account. I have again had to freeze the card, and request a new card number. Clearly, Experian will continue to fraudulently charge this account regardless of how many times I change card numbers. 
This is clearly intentional fraud on the part of Experian.

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 2022-07-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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