BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
From XXXX 2010 to date, I 've been dealing with trying to dismiss a fraudulent Student Loan amount from XXXX XXXX XXXX XXXX, who sold it now to XXXX XXXX XXXX for servicing. My XXXX University {$25000.00} loan, for the purpose in completing my XXXX in XXXX, Now with XXXX XXXX, has grown to an unbelievable {$110000.00} with penalties and interests added. My Student Loan Number is under my SSAN number - XXXX. 

Navient has been bugging me to pay this amount ; but, to no avail they are falsely reporting me owning this amount of money to all of my credit bureaus after I repeatedly asked them to stop. I 've asked for a forbearance and deferment because I 've been asking them to retalk with XXXX XXXX to report the correct amount on my original loan amount. Additionally, Navient should not report my school loan on my credit report if I 'm disputing the amount. The loan practices of both XXXX XXXX and Navient are Fraudulent and with malice -- frankly, it is criminal what they have done to me in damaging my credit history falsely claiming that owe {$110000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: NC
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is complaint number 3 that I am submitting for the same issue with Chase Auto Finance. I am currently XXXX and have a 3rd party insurance company, XXXX XXXX, paying my car payment. Again, Chase states they haven't received payment for XXXX, and the check was sent on XX/XX/22. It has not been processed and they are researching where it's at. I am being told I can call back in 7-10 business days to see if they've found it. I have multiple health conditions that require my attention and time. I shouldn't have to spend another hour on the phone for something they could contact me and let me know about. Each time you call you get someone different who asks about the situation and places you on hold forever to find the right person to talk to. It is undue stress that I don't need with my medical conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to make a formal complaint against Perfection Collection LLC. They are attempting to collect a debt associated with a XXXX  account that I have no knowledge of. This account continues to report negatively on my credit report with account number XXXX. I have no knowledge of this account. I was harassed once at my job concerning this account. I feel that it was unprofessional and caused me emotional distress. There has been no resolution concerning this matter. I have requested an investigation concerning this account several times. I have never had an account with this company and was a college student living on campus at the time the debt was supposedly made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I signed a lease with XXXX XXXX XXXX to lease a XXXX Challenger through XXXX XXXX on XX/XX/XXXX they were going to purchase my XXXX challenger from XXXX XXXX  who held my current lease. I provided the dealer with my payoff from XXXX and they did not do their due diligence and constructed the lease contract with the number I provided. I took delivery of the car on XX/XX/XXXX and then a few days later they called me asking to return the car because XXXX is charging them a completely different buyout then what was on my lease payoff and on XX/XX/XXXX the dealer called XXXX XXXX and they are now unwinding the lease agreement which is forcing me to bring the car back. The payment we agreed on was XXXX a month which they are no longer honoring and forcing me to return vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
hello, when Microsoft makes an offer, that says Free trial, you can cancel any time. I give them my credit card, which was blocked because it's very hard to cancel, they keep on charging that blocked credit card, and one day they put the charge on my open card without my permission when I complain about this and the credit card co. closed that card and issue a new one, one day they charged again my new card, I show the credit card co. the cancellation notice from Microsoft, and they still charge my card and close the complaint. 
please help me, XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: William C. Grossman Law, PLLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from William C. Grossman Law, PLLC today ( XX/XX/XXXX ) stating if I did n't resolve debt that they are authorized with in 30 days to file a lawsuit to collect the balance owing on the account. I have attempted to notify the hold of the debt. XXXX XXXX XXXX when they notified me of debt back in XXXX that this was fraud. I asked them to send me a signed copy of agreement and documentation they had. I never heard back from them. Now I am receiving a letter and a promissory agreement that shows no signature, just an electronic signature. I have also sent documentation to the credit reporting agencies showing this is fraud with no response on behalf of XXXX XXXX. They are outside of the guidelines of sending me verification of the debt back from XXXX XXXX. I request that this be investigated. They are in violation of the FDCPA by attempting to contact me directly.

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 2019-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
USAA has not refunded moneys belonging to me. They took a whole XXXX, dollars from me and now will not release XXXX dollars of the next VA check to me. The USAA bank told me to tell the Veterans Affairs to do a recall recall is done still no money. I tried to speak to USAA. They have lied several times. It is now theXX/XX/XXXX, no money has been given to me. They are holding my money hostage. I am homeless due to this bank, my furniture and belongings where lost. 
I had to leave important life long things. I am ill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took out a XXXX XXXX XXXX at XXXX  XXXX  secured by a mortgage on my primary residence. I paid this loan in full in approximately XXXX or XXXX. I no longer have any records of the transaction, and it was such a long time ago that I don't remember all the details. As far as I can recall I have not heard from XXXX  XXXX  since this loan was paid nor have I heard from their successor Wells Fargo Bank. A few days ago I learned that the mortgage was not satisfied. I then called Wells Fargo Bank to demand that this mortgage be satisfied. I spent more than XXXX hours on the phone speaking to XXXX different customer service representatives including supervisors. They all refused to even discuss this with me because I did not have the loan account number. I then explained that I am in the process of entering into a business transaction in which I am required to produce title to the mortgaged property free of any mortgages or liens. The bank 's refusal to satisfy this paid in full mortgage makes it impossible for me to meet this requirement ... and as a result I will suffer a monetary loss.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-05-08
Company: Experian Information Solutions Inc.
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:
after numerous disputes experian refuses to report this XXXX  XXXX account as charged off and not paid. this account is paid and the creditor agreed to delete upon payment.

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 2021-09-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As a result of Covid19, on XX/XX/XXXX, we were offered Forbearance mortgage assistance by XXXX XXXX who was our mortgage holder at the time. We accepted the assistance as we are self employed and business completely stopped. At the time, we were told what are options were once the forbearance ended 1 ) An extension of our payment assistance period 2 ) Allowing missed payments to be deferred until the end of our mortgage term or payoff 3 ) Extending the loan term 4 ) Standard mortgage assistance options such as a repayment plan or a loan modification. We were also told they would stay in touch during and after the payment assistance period and would work with us to determine the best next step for our situation. On XX/XX/XXXX we were notified by XXXX XXXX  that the loan was sold to SPS XXXX Select Portfolio Servicing , inc. and assured us the payment assistance would be passed along to and honored by SPS. After the loan was sold, we were notified by SPS that the forbearance assistance would be extended. During that time we continued not making payments. On XX/XX/XXXX at XXXX PST, we called SPS and spoke with XXXX. We told her we were ready to resume our monthly mortgage payments. She told us not to make a payment until after the review process was completed in terms of repayment options. The review process was completely mismanaged and due to the conflicting information from SPS, we took it upon ourselves to resume payments, starting XX/XX/XXXX and are continuing monthly payments. On XX/XX/XXXX, we received a letter from SPS stating that the only options that were available to us in terms of repayment were 1 ) Payment in full 2 ) short sale or 3 ) foreclosure. We were told we could write a letter of appeal which we did in XX/XX/XXXX and were once again notified that all other options were declined other than the ones stated above. Now we are possibly facing foreclosure if full payment is not received by XX/XX/XXXX. We have also been working with a HUD representative to help guide us through this unfortunate and extremely stressful situation. We feel we were completed mislead by SPS and that they did not honor the guidelines that were originally set by XXXX. SPS said that because we were more than 12 months behind ( we are now at 14 ), we were no longer available for any other payment options. Had we not been told not to make a payment in XXXX we would not be in this situation. We were also told by SPS that financially it is not in the best interest of the lender to help us resolve the situation any further. We feel completely blindsided, mislead and set up to fail. We strongly believe that if we were still with XXXX, this never would have happened.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: United Debt Counselors, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
In or around XX/XX/XXXX, I saw an ad online for help with debt settlement and called XXXX for help. On XX/XX/XXXX, XXXX representative XXXX XXXX came to my house, which I share with my partner XXXX XXXX. XXXX and I had both fallen behind on credit cards. At this meeting, XXXX told us that XXXX could lower our debts by XXXX XXXX, that they are experts with handling creditors, and that they would be in constant communication with us to negotiate down our debt. Based on this, we both enrolled in the program and began making monthly payments. Months passed and it was unclear to us what, if anything, XXXX was doing for us. It was hard for us to connect with anyone when we called and our calls largely went unreturned. Meanwhile, throughout XXXX and XXXX, debt collection lawsuits and default judgments were piling up against us from creditors. Each time we got paperwork, we sent it to XXXX but received no substantive update or response. Agents merely told us they would take care of it. They never recommended getting an attorney or formally responding to the lawsuits. We grew increasingly frustrated with this lack of communication or action. Feeling duped, we canceled our contracts with XXXX in or around XX/XX/XXXX. We received a partial refund of our escrowed payments minus fees and other charges. 

We went to our local legal aid for help and the lawyer helped us get copies of our documents. The lawyer explained the documents show many problems : contract inconsistencies on charges, XXXX did nothing on XXXX account and very little on mine despite about XXXX XXXX and XXXX XXXX of our payments going toward XXXX fees. Also, our XXXX contracts state that they will only begin to reach out to a creditor when XXXX XXXX of our debt balance is in escrow. However, at the rate of monthly payments and the XXXX-month term of our program, it is not even possible for us to save enough money for some of our debts to meet this requirements. It is also our understanding that XXXX is not properly licensed in California to do this work. 

We were set up to fail by XXXX. We paid nearly {$20000.00} dollars to them, with nothing to show for it. Instead we are in a worse position with our debts than when we were enrolled. I am XXXX XXXX old and XXXX is XXXX XXXX old. We are low-income seniors on a fixed income and this has been extremely stressful and harmful to our health.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, Bank of America ( BOA ) has  increased my mortgage payment for the past 4 months than sold my mortgage to XXXX XXXX XXXX with fees and a higher monthly mortgage payment. I asked XXXX XXXX   to explain the increase in mortgage payment. I was told they did not receive any documents form ( BOA ) only the monthly mortgage payment ; therefore, they could not explain the increase in mortgage payment. 

To provide a little background I purchased my home in XX/XX/XXXX at a fixed 4.25 interest rate currently {$190000.00} balance and a {$60000.00} balloon payment through HUD. BOA inherited my load three months after my closing date. However, BOA wasn't given any documents from my initial mortgage company XXXX. When I requested a home modification in XXXX which I was denied. BOA discovered they didn't have any of my loan documents from XXXX. Therefore, BOA filed some type of illegal court claim to have their name listed on the Deed of Trust. This battle went on for three years ending with BOA giving HUD wrights, listing HUD on my Deed of Trust and me owing HUD {$60000.00} due at sale of my home or at the end of the 30 year loan agreement. This results in me owing more on my home than the market listed value. I'm seeking a mortgage audit to save my home and receive a doable mortgage payment. 

I can be reached at XXXX Thank you in advance for any assistance with saving my home. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX/XXXX is not in compliance. According to the FCRA XXXX XXXX/XXXX XXXX is in violation of the FCRA. In XXXX of 2017 when I received my annual credit reports I noticed XXXX XXXX/XXXX was not reporting accurate data to all major credit reports. I have attempted in XXXX of 2017, XXXX of 2017 and XXXX XXXX, 2017 after disputing and receiving an update credit report from XXXX and Equifax the dispute was not corrected. What I did notice was that XXXX XXXX/XXXX XXXX was not in compliance and violated my fair credit rights by not reporting accurate data. XXXX XXXX and XXXX XXXX is not giving me any type of rating and are flagging my credit report with XXXX as ( UNKNOWN ). This has been in existing since XXXX of 2017. My current XXXX Report Number XXXX is dated XXXX XXXX, 2017. Yes, I have utilized my credit card with XXXX XXXX/XXXX in XXXX, in XXXX, in XXXX  and have paid off the balance in full every month. For XXXX XXXX not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my Equifax credit Report Number Confirmation Number XXXX, I noticed XXXX XXXX/XXXX has not reported correct data since XXXX XXXX, 2017. As of XXXX 2017 XXXX XXXX/XXXX is reporting on my Equifax Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with XXXX XXXX/XXXX XXXX in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called XXXX XXXX/XXXX XXXX to try to resolve this issue. XXXX XXXX, employee XXXX  ID Number XXXX, stated to me she could not answer why XXXX/XXXX XXXX was not in compliance with the FCRA. Because I have went back and forth for over 90 days with XXXX XXXX/XXXX XXXX and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my XXXX XXXX/XXXX Revolving Credit Card Account. This has went on too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 

see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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