BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am taking unpaid time off because I am getting ready to have a XXXX. I have filled out all appropriate FMLA paperwork to cover my job and myself during this time. I called today to see about temporarily suspending my payments while I am on XXXX  leave and was flat out denied on the spot. I am actively looking into suing Navient ( still Sallie Mae, a name change wont make me forget how poorly you have treated me over the years ) for how they have handled this situation. Is it even legal for them to deny me suspension of my payments when I am getting ready to have a XXXX  and am on FMLA? It cant be legal. I am seeking out legal advice now, I am hoping to have a lawsuit filed by the end of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Santander Consumer USA Holdings Inc.
State: CA
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 have a car loan with Santander they are attempting to report me as 22 days late despite making a large XXXX payment they claim because I did not pay last month my XXXX payment I am past due but I have made a very large payment with immediate monthly payments and have decided until they fix this reporting I am not going to send a payment until the XXXX XXXX payment is used up towards vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have made arrangements to pay off this debt that was in collections in full and to have it removed/deleted from my credit reports. I've paid it and they didn't remove it as promised.

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 2019-09-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for my home loan through chase bank. Beginning at the end of XX/XX/XXXX chase bank still told me to wait until XX/XX/XXXX. my closing date is XX/XX/2019So I missed my closing datechase bank inefficient work, my rental APT has expired and I need pay additional lawyer fees and pay cancelation fee to XXXX XXXX XXXX XXXX, chase bank wasted my time and money I have paid {$500.00} for property valuation, chase bank Official website said " Guaranteed fast closings or get {$1000.00}, Were committed to making your new home purchase as easy as possible. Now we also bring peace of mind with the Chase Closing Guarantee : we promise an on-time closing in as soon as three weeks or you get {$1000.00} back. '' I decided not to wait, I want to cancel my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX   XXXX**** ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 11 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 2019-01-17
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I applied for a BBVA checking and savings account using a promotional offer to receive a {$200.00} and {$50.00} bonus respectively. I have completed the requirements of the offer. When I asked BBVA when I would be paid, they said that I wasn't eligible because I had a checking account open in the last 12 months. Fortunately I keep my own records and know this is incorrect. I closed my last BBVA checking account on XX/XX/XXXX. As anyone can see, it has been more than 12 months and thus I am eligible under the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Statebridge Company ( NMLS ID # XXXX ). It is for a small condo in Florida where I live. The loan was originated by XXXX back in XX/XX/2003. My principle and interest payments are {$430.00} per month. Until last year, my escrow payments were about {$60.00} a month for taxes only. Since the property is a condo, the property insurance comes out of my HOA fees. Last year, Statebridge required I show them that I already have property insurance even though Florida Condo laws requires the HOA cover the structures. When I didn't provide proof fast enough, they forced insured me. Once they accepted my insurance certificate, they reimbursed my account. However, they haven't adjusted my escrow payment of {$280.00}. Their projection of my property taxes is {$64.00} which means they are collecting {$210.00} more than what is needed. 

I have tried to get them to adjust the amount but they won't respond. They also won't count my payments unless the entire amount including the escrow overpayment is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: GA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, 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:
The XXXX and the Equifax brought the dawn my credit score 105 and they don't want to remove one hard inquiry that they are reporting! It's really shameful that they are destroying my opportunity for purchasing a car or home and getting a loan. 
I believe they must to remove the wrong information from my credit history now and bring my score back ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: AXOS FINANCIAL, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was suspended for over 5 days with no explanation as to why or what the problem was with my account. I was out of the country during the locked/closure and was forced to stay an additional 3 days until I was able to secure funding to afford to return to the United States. The money in the account ( {$3800.00} ) has not been returned to me. The money is all that I have and is not only working capital for my XXXX but also money for my basic living expenses. I have incurred shut offs, late fees and returned check fees because of this account closure. I was denied a PPP loan for {$17000.00} because of the account being closed right before finalization of the loan. I am unable to pay my rent or cover XXXX expenses, the account closure has prevented me from feeding my family, paying medical co-pays for medical care, I do not have the money to put gas in my vehicle. I had several automatic payments tied to the account including educational and professional webpages that I can no long access without making my account current. This action by XXXX has put me, my family and livelihood in jeopardy. Everyday Im losing money and this is only exasperating the situation to a point that has become untenable for me. I have not receive my money or even a good reason as to why this action was taken towards me. The customer service is just pre written responses that state I will receive an email explaining why. I have not received that yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Russell Collection Agency, Inc
State: MI
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  has been non-compliant with removing the unverified account RUSSELL COLLECTION AGENCY INC Opened Date XX/XX/, 2014 which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that RUSSELL COLLECTION was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: SYNCHRONY FINANCIAL
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:
The account was closed by the lender on XX/XX/2011 ( correctly listed on the credit bureaus ), which is outside the credit reporting scope. However, they refuse to remove the account from my report, because the creditor says that it is still delinquent.

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 2021-06-01
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2018 Experian, XXXX, XXXX violated by rights as a federally protected consumer. I have proof Experian, XXXX, XXXX is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Experian, XXXX, XXXX written consent to report any of my personal information. Experian, XXXX, XXXX  also violated 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Experian, XXXX, XXXX has stated they recived this information from the XXXX court house which is false. I spoke with the court house and they stated it is not there policy of the court to report to any credit agency.Experian, XXXX, XXXX has harmed my reputation and oppress me from receiving services or good pursuant to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person

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 2021-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
WellsFargo 1 ) refund {$190.00} on XX/XX/21 XXXX ) Then on XX/XX/21 later that night near midnight charge the {$190.00} again. 
3 ) I want {$190.00} refunded back to my account. 
4 ) This means I was charged twice {$190.00} and only refunded once. 
5 ) Please see statement if money is refunded it would be posted on my account. 
6 ) It is not okay for wells fargo to claim that internally secretly they refunded {$190.00} but it never posts on my statement. 
7 ) Tell wellsfargo to post {$190.00} on my account so I get credit before they claim transparency. 
8 ) See attached. 
9 ) See attachment.

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 2019-09-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the second time I have sent a complaint to Experian over account that I didnt recognize. Please delete these two accounts XXXX XXXX XXXX, XXXX XXXX XXXX. I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX CO XXXX XXXX. I WILL BE FILING A REPORT WITH FTC AS WELL

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 2021-06-01
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer Portfolio Services is reporting to the credit reporting agencies regarding an expired debt. This debt is over seven years old and the last activity on this account was XX/XX/XXXX. I sent a certified letter on XX/XX/XXXX and XX/XX/XXXX, informing them that I understand my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing or reporting this type of debt in Virginia has expired. As of today, XX/XX/XXXX, Consumer Portfolio Services is still reporting an expired debit to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is constantly reporting that we have a delinquint account 60 days old. We have not had any dealings with this company since XX/XX/XXXX. We purchased the car in XX/XX/XXXX and had problems from day one, The vehicle cut off on me in the middle of the road and I had it towd back from XXXX to XXXX. I informed them ogf the problerm and asked them to come and get the car and make the proper repairs. They would not and we informed them we were voluntarily returning it. They reported it as an involuntary Repo. The account is 7years and 9 months old. It should have came off our account this month from Experian. TransUnion has already removed it from our account 3 days ago, as well as XXXX. We want this removed from our report, since this account has been reported as closed.

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 2018-06-13
Company: Lendmark Financial Services
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a loan with Lendmark Financial Services. For at least a year I have been asking for a monthly statement that shows current balance. Each time I am told the " process '' is under construction. 
I also expressed on serveal occasions my balance goes up and not down. 
They crafted some form of a statement that was very confusing. 



Is is not required to get a statement with due date, payment due, and current balance??? 
Are they not required to show current apr?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 we applied for a refinance on an investment property. By XXXX of XXXX  we were still waiting for the refinance to be processed. On Monday XX/XX/2021 the bank reach out by email and confirm that the loan is clear to close and that someone should reach out to setup and date and time to sign the documents. Also, the email response mentioned that " You will want to both sign your closing disclosure in the E-Portal once it is uploaded. '' This document was never made available on their portal so we did reach out and asked how much money do we need to have available at closing. The response was they the did know exactly what was the mortgage payoff amount and " the processor advised they need to do a final soft pull to finalize your loan on your credit ''. I should mention that at this point in time this was the 3rd or 4th time when the bank had to run a credit check since XX/XX/2021. The bank was not able to provide a clear explanation about the documentation necessary and what was missing or not although the payoff amount statement was provided twice. The closing was canceled and at this point we have no clear reason why is that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
if you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

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 2018-02-02
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Our family does not and has not had insurance since 2013. When we had our XXXX XXXX   XXXX XXXX things were tough. 

1.5 years later our budget is tight but I am trying to repair our credit in order to buy a house. 

I spoke with XXXX on XX/XX/XXXX I explained I was trying to set up a payment plan for the {$300.00} I owed for the pediatrician who saw my son upon devivery at the hostpial. Keep in mind we payed over $ 5k before leaving the hospital unbeknown that we would owe separately for the care provided. 

She said she needed the full {$300.00}. I told her I dont have that in my budget. She then preceded to tell me you are buying a house for {$280000.00}. Stunned I told her absolutely I am not buying a house and we have a mortage on our home which we bought five years ago for XXXX. She said well your house is appraised for XXXX. I told her we have been trying to sell the house and I am trying to repair our credit. She said well its not showing on your husbands credit so unless you give the full amount I have to report it on his as well. I told her I am trying to pay what I can and trying to make my debts right. She said Im not going to put a payment plan on a debt that is 1.5 years old, This is a attempt to collect a debt etc, is there anything else I can help you with. After being silent a moment I said so you have the ability to make a plan but your choosing not to. She said XXXX XXXX I am going to hang up. Then heated I told her so your making he desecion to choose another persons fate just like that, when Im offering you the little money I do have, your not going to take my money, I told her she is a terrible person and after that she said okay I am hanging up now. 

My husbands income has reduced since buying this home. He is on a salary of XXXX monthly. Our mortage is XXXX a month, electricity between 200-400 water, cellphones {$280.00} limited out credit card minimum payments weve been making for the past 3 years ( which shows on our credit ). My husband drives 100 miles a day plus tolls which is $ 680 monthly. We literally have between 600-700 left over for food, my gas, diapers, etc a month. I am trying to budget {$100.00} of that to spread out with our outstanding debts until we can sell this house pay our debts and have our credit in good enough shape to buy another home. 

I do not know XXXX last name but she is the only one who handles the debt collecting at the office she works for.

Company response to consumer: Closed with explanation