BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing bought my loan from XXXX  XXXX XXXX in XX/XX/2019. 

Specialized Loan Servicing sent a letter stating I missed 2 payments. 

I called and received information to email the proof of payments showing I have paid, and on-time or before due. NOT ONE late payment. 

Specialized Loan Servicing sent another letter stating, again, that I have missed payments. 

I call them, again, to ensure they received the proof of payment. 

The representative ( hereby designated the abbreviation of " rep '' ) claimed I was not paying the full amount and that my interest is variable ( which it isn't ). The rep did not mention anything about seeing missing payments, only that I was allegedly underpaying. The rep stated I was underpaying on an amount that is LESS THAN I have been sending. 

Once I pointed this out to the rep, they claimed they could no longer hear me and that my cell phone must be going out of service. I was on a landline and stated that. 

They stated again that I am underpaying on the loan, while sending me letter that I am missing payments, when I have PROOF all payments have been made, on or before due, and in excess of the amount required. 

The rep stated again that I am not paying the appropriate amount, that I have a variable interest, and furthermore, threatened me with legal action when I requested the signed documents stating my agreement to a variable interest loan with them, as I never signed an agreement with them, as it was Specialized Loan Servicing who bought the loan from XXXX  XXXX XXXX. I stated again that I wanted copies of the documents, they stated again they would take legal action against me for wanting these documents. 

This company is claiming missed payments on paper, underpayment on the telephone, and is causing hardship for the people they are trying to scam out of money. If they can not accurately document the payments, but I can, how are they permitted to make threats/ move to foreclose on my home.

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 2017-11-29
Company: PENTAGON FEDERAL CREDIT UNION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This involves a car loan ( XXXX ). The first issue I have is that the credit union was misleading in omitting to inform me of fees associated with the payment of the loan. In this case, now that I paid off the loan is when I learned there is " {$35.00} '' fee for the credit union recording a lien with WI 's DMV. 

Second, I have been in contact with the credit union since XXXX.17 about my issues and have requested several times proof that the credit union paid this fee and that the matter be escalated to someone with authority to dig deeper into my request. So far, nothing. They claim the paid it, but that there is no invoice/documentation for it. What if the fee was actually {$5.00}? {$0.00}?

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 2019-04-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a call from XXXX XXXX Bank ( subsequent firms post Mergers & Acquisition activity ) in response to COMPLAINT ID XXXX Consumer Financial Protection Bureau. 


The Consumer Financial Protection Bureau doesn't understand the problem. 


I am NJ XXXX XXXX. 

Chase Manhattan Bank ( and subsequent firms post Mergers & Acquisition activity ) allowed the dismissal of the debt. 


The US Courts changed the bank. According to the US Courts who sent my foreclosure to XXXX 's Sale, the bank is now a firm owned by The XXXX XXXX XXXX. 

The US Courts decided who my bank was. So, the call by Chase Manhattan Bank ( and subsequent firms post M & A activity ) was pointless. 


The US Courts have ignored the federal banking regulator and are dictating to property owners who the bank will be. 

During the entire foreclosure legal matter, the only ruling that was done was the change of bank. 


The US courts didn't provide a motion to foreclosure or a motion for final judgment until after the Writ of Execution was submitted for the property. 

My bank was Washington Mutual Bank. The FDIC closed the bank. The US Courts ruled Chase Manhattan Bank ( and subsequent banks post Mergers and Acquisitions ) was no longer my bank. A firm owned by The XXXX XXXX XXXX was now my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Supposedly I owed {$2.00}. But the company is trying to collect {$150.00}.

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 2018-04-27
Company: EQUIFAX, INC.
State: MA
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 a car loan with XXXX  XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX XXXX XXXX dated XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and AMERICAN EXPRESS dated XXXX/XXXX/XXXX, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I emailed this company directly on XX/XX/2019 and I already told this company they may not call me or attempt to call me at my work number, yet they did just that on XX/XX/2019 at approximately XXXX a.m.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have checked my credit report & notice they have been some accounts & collections on my report that I had no idea of, I do not recall National Credit Systems, XXXX XXXX, Natnl Credit or even XXXX XXXX XXXX, I have contact these companies multiple time s & even sent dispute letters with all 3 credit bureaus, I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: WV
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 checked my credit report and it is showing i have also used the name XXXX XXXX XXXX. I have never used that name XXXX is my sister please remove that name

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 2019-04-18
Company: Army and Air Force Exchange Service
State: FL
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:
I opened an account with Military Star in XXXX, many years later ( approx. XXXX ) made an insufficient payment via allotment. Military Star has reported a late payment on my account to 2 out of 3 credit bureaus. The infraction occurred as I was tasked to go overseas, I purchased deployment items which raised my required payment a few dollars outside of my set allotment. Once I realized, ( a week or two at most ) I paid the delinquent amount and raised my allotment to cover any future events. I have been in good standing with this company every since the late payment which was over 10 years ago. 

I have written to them several times ( 4 ) and have either been ignored or rejected. Recently, spoke with XXXX and she refused to make any changes to my report and told me to just keep writing. I have an XXXX credit score this is the only thing holding me back. 


Please help, XXXX year veteran

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 2020-12-15
Company: Atlantic Recovery Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people have texted my cell phone WITHOUT Explicit consent to do so. I did not give them permission to text me whatsoever and have no contract that is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Texas Guaranteed
State: FL
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:
I checked my credit and noticed this account listed on my credit report that does not belong to me. I've disputed the account already and ask that they validate the account but that has yet to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My main complaint is I feel my vehicle XXXX XXXX is no longer safe to drive. I request for XXXX XXXX XXXX to apply the repurchase program. However I was told I didn't qualify for the program under the Arizona Lemon Law. However, as a goodwill gesture ( HMA ) agreed to settle my claim and offer to reimbursement of 2 car payments. 

I purchased this vehicle new in XX/XX/XXXX with less than 50 miles on it. In early XX/XX/XXXX I started to have mechanical issues and repairs on my car. Still under warranty. XX/XX/XXXX my engine was replaced with a new one. On XX/XX/XXXX I took my car in for a oil change and recall on the software ( computer system ). On XX/XX/XXXX as I was driving down XXXX XXXX, my check engine light came on and shortly afterwards my car stopped in the middle of the road. I immediately contacted the service at XXXX XXXX XXXX. At this time I advised XXXX XXXX service manager of the situation and that I was going to bring the car back in. After about twenty minutes I was able to get it started and returned back to the dealership. As i was headed back to the dealership I was not able to drive more than 35-40 miles per hour. That was  as fast as the car would go. At one point I stared to pull over and call for a tow truck, but didn't have time because the dealership was closing shortly. My car has been at the dealership since XX/XX/XXXX. XXXX and still unable to figure out the problem. On XX/XX/XXXX ( HMA ) ordered another new engine to be put in my car and again this didn't fix the problem.My check engine light is still on, with no near repair date if any. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Lending Club Corp
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: Account status incorrect

Complaint:
I have reporting on all ( 3 ) credit bureaus that my Lending Club loan account and XXXX XXXX XXXX XXXX car loan accounts are showing as " closed accounts '' and not as " paid in full '' which is lowering my credit score. I'm asking that this is corrected on all ( 3 ) bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: DISCOVER BANK
State: NJ
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:
In XX/XX/2019 DISCOVER Financial SER added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, DISCOVER Financial SER has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: MN
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:
Please double what you provided me as a method of verification again you can check the second attachment that you XXXX XXXX sent me on the fax number. Tell me please what type method of verification is that? I need a consumer contract with my signature on it and this account opened XX/XX/2009 that's what shows me on the credit report. 
as required under Section 609. furthermore you have failed to provide the method of verification as required under Section 611 you are required to promptly DELETE all information which can not be verified. 

Despite three written requests was sent and you have received my all the letters, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors  documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation a consumer contract with my signature on it. as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. as well XXXX   XXXX XXXX called XXXX Central time again and they told me we don't have that request for at this time in my attachment as you can also see what they provided as a method of verification this is clearly The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 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 accounts be verified or deleted immediately.

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 2018-09-14
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX of this year I noticed fraudulent charges were made to my checking account using my debit card number. There was a {$190.00} charge made on XX/XX/XXXX and an identical {$190.00} charge made on XX/XX/XXXX. Both charges were online purchases made at XXXX. This represented at total of {$390.00} in fraudulent charges. When I noticed the charges I immediately contacted the credit card company and informed them of the situation. Since I have a XXXX account I was also was able to cancel one of the transactions since the merchandise had not been delivered to the crook. XXXX refunded my checking account for this transaction. This left one of the {$190.00} charges that was taken out of my account. The debit card is supposed to have a no liability for unauthorized charges. 

I have gone back and forth with BB & T bank about crediting my account for the {$190.00} transaction that was not reversed by XXXX. The bank will credit my account only to later remove the funds. The explanation given is that the {$190.00} was returned by XXXX. They seem to be completely oblivious to the other {$190.00} transaction. 

On XX/XX/2018 I received a letter from BB & T stating they were reversing a {$190.00} credit adjustment previously made to my account. On XX/XX/2018 I called the number listed on the letter and again explained the situation to their representative. That person stated she would get back with me that morning. She never did. I accessed my account on XX/XX/2018 and noted that the bank had removed {$190.00} from my account. I again contacted one of their representatives and explained the situation. 

I can not understand how a banking institution can be so woefully deficient in basic arithmetic. If {$390.00} in fraudulent claims were debited from my account and {$190.00} were returned, then it stands to reason {$190.00} are owed me by the bank.

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 2018-10-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a paper bill from XXXX XXXX for a balance of XXXX. I attempted to log into my account, but received an error message that i would need to reset my password. A link was provided for updating my password, but when I went to the link, it advised me that they would send me an email with instructions on resetting the password. After numerous attempts, I never received the email. I finally gave up and mailed a check for {$50.00}. This was on Sunday. On Wednesday I received a call ( XXXX XXXX  ) regarding a past due on my account. I was told my balance was {$100.00} ( apparently they charged me late fees ) and my payment should have been {$58.00} ( for a balance of {$75.00}? ). When I complained about the inability to access my account online, I was advised that this was a known issue and they were trying to fix the problem, but were unable to provide a timeline when it would be fixed. When I attempted to pay another {$58.00} on the account using a credit card, they said they could only accept payment from my bank account ( they asked for my bank pin number for the payment ). This is unacceptable, and a basic security violation for bank accounts. When I am able to get back home I will be sending another check and closing this account.

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 2019-04-18
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am XXXX XXXX and when i called Navient solutions in XXXX to ask for private loan forgiveness due to XXXX XXXX they stated that I couldnt not because it was A private student loan thru sally Mae originally and i said that all my sallie Mae loans were forgiven and another one that was with A bank which was A private student loan. I asked again in XXXX, XXXX and they continue to say no and every year until i just noticed that this whole time, they have lied to me and call me every 6 months asking if i can Increase my payments. This company has put me in so much stress fighting with them that i was having XXXX and i just called them now and when i asked about loan forgiveness she said they dont offer it but as soon as i said thats actually not correct i had A company in XXXX private student loan and because Im XXXX XXXX it was forgiven and then she stated your doctor said your XXXX XXXX i said yes and why is your company stating you dont offer it when its actually available and she said Ill mail you the paperwork i said thats fine but Ive been paying monthly and i was lied to and all the stuff i had to go thru and now its me filing all over again plus its effected my credit etc I was taken to court by XXXX XXXX years ago for the same issues and finally after doing thru so much stress with them fighting for private loan forgiveness and doctors filing they approved it but Navient even went after my social security and had money taken out knowing i was XXXX and unable to work

Company response to consumer: Closed with explanation