BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX banking said that miss payment XXXX I didn't miss any payment I started paying with my s.s.number to Identify when I mad my payment, then I started to use there account number for making payment. XXXX transfer the loan over to Select Portfolio Servicing. At XXXX i was down to XXXX $ on the loan when sps took over they charge me XXXX dollars now owe XXXX. When I make the XXXX ever month i quest interested only but when i do make payment over the phone or the internet .next month the XXXX is higher then the prier month. If I paying what they asking how can the payoff go up interested stay the same. SPS said that i sign some form from them, but I know I didn't sign nothing from them I asked for proof and they said they will send it to me that was i XXXX ago they saying we will send it. they don't have anything because i haven't sign anything from them i refuse to sign.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: IL
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 was the victim of identity theft and during that incident there was a fraudulent address attached to my credit profile. I petitioned all of the major credit reporting bureaus to remove the information due to the information being erroneous. Equifax still list the fraudulent address as a previous address. There are no accounts or information to validate the address ever being attached to me in any way. Equifax will not correct the problem and totally remove the fraudulent address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
unfortunately at the current time since XX/XX/2018 I haven't been able to make my payments to navient due to my insufficiency of being able to pay all my current bills. I have asked navient to defer any of my payment ability .. in which they declined ... Since XXXX 2018 I get like 1-3 calls per day fro m randing area code # 's all in which are Navient requesting contact wih me. I have rejected almost all of them ... and consistently explained my reasoing of un-payments .. Still they continue to harrass me daily.. What can I do next? 



THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I Applied for HELOC With BoA on XX/XX/XXXX Submit all the documentation My credit score was aceptable by the bank guidelines. The House has a positive equity. Application number # XXXX value {$380000.00} requests amount {$65000.00} Initial advance at closing {$35000.00}. I was contacted by XXXX XXXX at XXXX XXXX XXXX XXXX. on XX/XX/XXXX I was told that the bank ca n't borrow the {$65.00} K only $ XXXX ask why he said that value of the house $ XXXX, Finally I said Ok I accept that amount, Follow the conversation he contact me with closing team comferance call with a closing team for the loan. She read the disclouser HELOC amount interest rate for 12 months discount and after that increase around 1.25 % more. I was agree with everything she said to me. We all three said good bye on Agree. TKS. 

Next day I received a phone call from the angry Laddy at the HELOC department that my Loan was denied. I Was shock and upset by the decision .I ask what happen I was agree on everything with closing team. She said that underwriter person decided not to go with the loan. I spoke with underwriter and he apology several time, The apology is nothing to me I need the fund. 

I asking the bank to review the underwriter decisicion. They first appoved the loan and latter day they denied.

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 2022-02-14
Company: TD BANK US HOLDING COMPANY
State: NY
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 XX/XX/2022 I requested the company to SEND ME the original signed credit application, cashed checks used for bill payment or original billing statements of the " debt '' because I don't remember owing the debt nor in the amount reported to the credit reporting bureau ( s ). 

XXXX rather than granting my request.. XXXX denied my request and said the company Certified to them the information was correct. 

XXXX was not given " conservatorship '' over me nor have I given authorization to the company to be my " interlocutor ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase will not allow me access to my funds, they will not respond in any manner whatsoever. I have attempted multiple times to contact them even going as far as having a friend who has the CEO XXXX XXXX 's personal email reach out in an attempt to get access to my money. XXXX XXXX actually responded and ensured my issue would be escalated, however, noting ever transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX a collection was reported to my credit file in the amount of XXXX. I have no knowledge of this account. So I was disputed it XX/XX/XXXX. It was removed. The collection was added again XX/XX/XXXX. I disputed it. They told me the information was verified. I stated I never received any communication that I owed the debt to this company nor do I have knowledge of the account. XX/XX/XXXX I received a notice in the mail with the collection company telling me I owe them XXXX. No information verifying the account belongs to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Westcreek Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ive contacted the company to pay the remainder balance and was told I could not. I paid this furniture off, but now Im being charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: TX
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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2022-02-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
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:
I have been disputing this account which is not mine ( XXXX XXXX XXXX XXXX ) with XXXX for over 7 months now and nothing being done. This account was removed from my XXXX and XXXX XXXX reports because they done a real investigation and found out this account is fraudulent. 

The account being reported multiple times on my experian report at one time it was being reported as 3 different accounts plus so much more and its very upsetting. 

I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and the XXXX  breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX, EXPERIAN, and XXXX is posting old information on my credit report. I have made several attempts to settle the matter and XXXX, EXPERIAN, and XXXX have ignored my notices. As of today, XXXX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new 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 explanation
Consumer complaint received 2017-07-12
Company: JPMORGAN CHASE & CO.
State: MD
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:
Last year, I purchased a tech support product from XXXX XXXX. It was a one time charge that was authorized. Today, I was sent notification that my debit card was charged {$100.00} for renewal of the plan. I never authorized the renewal. I called XXXX XXXX and was told that it would take 10 days to get my money refunded. I asked them to send me a copy of the contract showing that i had authorized an automatic renewal and they said that they could not provide it to me. I feel that this is deceptive at best. I never authorized an automatic renewal- I would not have done so as this policy is for a computer no longer in service.I also feel that it is improper to wait 10 days for a refund when no transaction was authorized. i 'm sure that I am not the only person that they have charged without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXX est I was called by PayPal Smart connect Synchrony Bank in an attempt to collect a debt. The person said I was in collections for {$230.00} past due. I said no- thats not possible I am enrolled in a payment plan for {$140.00} a month. Its due XX/XX/XXXX. He then hung up and I called back, at XXXX am after logging in and verifying I was not behind. 

The next person told me when I entered into the payment plan I had an {$86.00} payment not paid so that collections would continue to call and remind me. I asked to speak to a supervisor- XXXX XXXX XXXX. She was extremely rude and obnoxious- telling me my last payment was made XX/XX/XXXX and I would be called because no payment had been made within 30 days and my payment due day is not XX/XX/XXXX as my bill states but 30 days after my last payment. I explained I pay over the {$140.00}, and make payments frequently throughout the month, but the minimum due is always paid before the due date. 
She continued to argue with me for the 31 minute phone call stating my due date is 30 days from my last payment, the account would be put into collections and I would be mailed correspondence and no longer called. I said this is harassment to keep calling me before my due date. She insisted I was {$580.00} behind even though that is not what my account is reporting.

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 2018-01-01
Company: Navient Solutions, LLC.
State: LA
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:
I agreed to pay my student loan by having it directly taking out of my checking account @ {$110.00} per month. I receive a letter in the mail XXXX 2017 stating that my student loan has been paid in full. I called Navient to see what that meant and I was told that it was only for one of my loans. The loan amount was {$750.00}. I asked how many months had they been takingXXXX out of my account? I was told 33 months. I wanted to find out is that ok or can they be made to reimburse me some of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX, I became sick and was no longer able to pay my monthly mortgage by XXXX XXXX. I stayed in constant contact with Chase Mortgage in reference to my situation and applied for a loan modification on 5 or more occasions with no success. Each time that I was denied due to lack of sufficient income. I offered to do a deed-in-lieu of foreclosure and asked for relocation assistance. I was told that I would have to do a short sale first. I explained that doing a short sale would mean that I would have to have buyers come in and out of my home. I was not in a position medically to accommodate that. I explained to them how my XXXX, along with the various medications affected me on a daily basis. I inquired whether there were any emergency funds available to assist with paying my mortgage until my condition became stable enough for me to resume full-time work. I have been very proactive in doing whatever I can do to avoid foreclosure. A foreclosure action was filed with XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Exeter Finance Corp.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My payments for my XXXX XXXX XXXX are XXXX a month. In the month of XXXX I split the payment by paying XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I received notice around XX/XX/XXXX that the finance company had not received a payment for XX/XX/XXXX. After showing them my bank statements to prove that I did pay and also pointing out that their own website has the 2 transactions that equaled my monthly payment they said they would look into the issue to see why the system wouldnt recognize my payment. I made my XXXX payment in one sum and yet again received a call ( XX/XX/XXXX ) starting I was 16 days past due. During that call I was told that I had missed my XXXX payment and that Exeter Finance believed I still owed for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a quality of service dispute on XX/XX/XXXX ( Dispute # XXXX ). The investigation was not done properly by the bank and therefore the bank asked that i refile the dispute. I filed it the second time on XX/XX/XXXX ( Dispute # XXXX ). In a letter dated XX/XX/XXXX, the bank said the charges are valid based on the infomation provided by the merchant. I asked the bank to provide me a copy of the information received from the merchant. I was told that the no information was received from the merchant as it is voluntary. Based on the conflicting information provided, i contacted the executive office of the bank through BBB. On XX/XX/XXXX, i was informed by the executive office that they can not file a dispute because of the guidelines provided by XXXX. On XX/XX/XXXX, i contacted XXXX and was told that the dispute can be filed under Reason Code 53.

Chase had repeatedly failed to dispute the charge with the merchant. By doing this, Chase is standing behind fraudulent merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Experian Information Solutions Inc.
State: NC
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 opened my mortgage with XXXX onXX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX onXX/XX/XXXX. The closed account for XXXX is still reporting negative on XXXX and Experian. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: AZ
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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through XXXX XXXX, Equifax, XXXX please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, are listed wrong please delete bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: SC
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

Company response to consumer: Closed with explanation