BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: Santander Consumer USA Holdings Inc.
State: MA
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:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My wife and I consolidated our private and public student loans back in 2005. The original servicer was Sallie Mae. The servicer is now Navient. 
Navient informed us this spousal consolidation loan can not be refinanced nor separated by borrower, for purposes of refinancing with another servicer. This " spousal consolidation loan '' is no longer offered ( I wonder why ) nor eligible for any type of refinancing relief. Yet, as a XXXX military vet, I am told a guarantor will be the one to separate the loans for purposes of determining what loans belong to me, and therefore forgiven. Why can't these loans be separated now? 
We are both in the XXXX XXXX industry and eligible for PSLF. But can not go that route because of the barriers caused by spousal consolidation loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: TX
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 been dealing with the credit bureaus for over 6 months now in regards to a XXXX financial account that is reporting inaccurately on my credit report. In XXXX I sent a couple letters asking to look into the accuracy of what was reporting and 30 days had passed without an answer on their investigation and description of the procedure. Additionally, in XXXX XXXX I mailed a lack of response letter asking why nothing had been corrected or deleted to no avail. I've also reached out to XXXX XXXX and the only response I got was a letter sent from a " convergent outsourcing '' which is a different company. 

I know the bureaus get paid money from the creditors to report negative and positive accounts as a business product. It's extremely unfair because it allows the creditor to report whatever they want and the bureaus claim they verified the accuracy without showing how they reached their conclusion. 

Attached are some of the most recent letters that have gone out. My complaint is against XXXX  and Experian. Hope this can help me move on so my family can prequalify for a new home. 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 2022-08-05
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted Truist XX/XX/2022 prior to payoff of mortgage. ( spoke with XXXX ) Contacted Truist XX/XX/2022 to validate all info was correct to expedite escrow refund check before funding. Customer service rep was to call back to confirm. No response. 
Contacted Truist XX/XX/2022 sent all proper documents to special loans dept and was told they would reach out to me and confirm. No response. 
Loan funded and mortgage completely paid on XX/XX/2022 Contacted Truist XX/XX/2022 to check status-I was disconnected Contacted Truist XX/XX/2022 email sent to his supervisor ( spoke with XXXX ) and no response from supervisor Contacted Truist XX/XX/2022. 1st check was sent on XX/XX/XXXX, XXXXnever received. 
Going to research what happened to 1st escrow refund check and send out 2nd check Contacted Truist XX/XX/2022. Spoke with XXXX. 2nd refund check sent XX/XX/2022 and should take XXXX business days. 
Contacted Truist XX/XX/2022. 2nd escrow refund check actually sent XX/XX/2022. XXXX makes numerous notes Contacted Truist XX/XX/XXXX, XXXX escrow refund check never received. Will submit another research request for XX/XX/2022 and will contact me via phone call or email confirming result of research-never received call or email from Truist about 2nd escrow refund check Contacted Truist XX/XX/XXXX, XXXXspoke with XXXX. Checking on getting check at local branch. Will send 3rd escrow refund check with tracking number. Will call back with tracking number or have supervisor/mortgage dept email me. Again-no response Contacted Truist XX/XX/XXXX, XXXXspoke with XXXX. Took numerous notes, tried to contact supervisor with no success, filed a complaint, and said a supervisor would contact me within XXXX hours XXXX XXXX, XXXXno response from Truist

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 2020-11-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my has gotten into the hands of the wrong 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 2019-06-06
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
How are you, I am going to appeal the finance department of Citi bank customer service, I should receive {$400.00} for new checking and saving account opening based on their promotion, but Citi bank does not honor promise ( case XXXX : The requirement is to deposit {$150000.00} to the new eligible checking account within 30 days of the account opening ). I opened a checking and citi saving account at XX/XX/19, as same time I provided my personal account info ( from XXXX XXXX  ) for transfer {$16000.00} to CITI Bank, but within 30 days they didnt do it, regarding this I called them more than 10 times ; they did apologize for their error that caused to transfer the fund late. Due to their mistake, CITI Bank should give me bonus {$400.00}, but they denied. And they do not want to solve problem. Even when I made call, they immediately dropped out the customer service line for 3 times. I hope that you can get involved and solve my problems 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 monetary relief
Consumer complaint received 2019-06-06
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 {$6200.00} including the post-judgement interest {$110.00} They sent me a letter saying the amount due on the day I pay may be greater. 
I saw the plaintiff name is " XXXX XXXX XXXX XXXX. '' I have never owned anything from the original creditor ( XXXX XXXX XXXX ). 
I searched and found out these company have same issues as mine. 
I can not understand why these scammers can keep their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, I have repeatedly sent the documentation requested to CoreLogic Teletrack to get my report and place a freeze yet they continue to sent me letters requesting documentation. I have also requested to be opt-out.

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 2018-07-22
Company: Amerifinance, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AmeriFinance INC, is currently my Lienholder for my XXXX XXXX XXXX. While having a few financial problems in the past few months due to a breach of identity theft and bank fraud. This company calls me multiple times a day, different representatives, different languages other than English. Not only to do I speak to one representative, someone else will email me, Text me. The company has called my family members repeatedly. They also have an automatic call system to call me every few hours. I have explained to the company that the best option is to email me. While working in a secure building during working business hours. I am unable to answer my telephone. On average they leave about 2-3 voicemails daily. I have never been more than 30 days late on this loan. While speaking to family members, One of the agents spoke about the loan to a relative. In return, They were able to inform me about what was owed on the account and my monthly bill. I find myself making a payment arrangement with an agent via email. whereas they still contact me about the debt. No one speaks to each other or provide notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a debt collection letter in the US mail from Navy Federal Credit Union ( NFCU ) ( in error ) for {$1000.00}. 

Spoke to the customer service representative at XXXX, XXXX concerning the debt letter. Advised them I CLOSED my accounts. Approximately 2 weeks ago I went to the XXXX branch in Kentucky and closed my accounts. Customer service issues over the years. The representative finally tells me " it was sent out in error, disregard ''. Not willing to send a written retraction. Asked to speak to the manager and was DENIED. I did NOT believe it was accidentally sent out. 

A supervisor by the name of XXXX answered the phone, and told me I closed the accounts improperly and it appeared to be a debt. The XXXX branch closed the accounts, not me! No letter of retraction, or written apology offered. I do not know what to believe from Navy Federal Credit Union. This may impact my credit, so I am sending a copy to XXXX XXXX. This warrants harassment by NFCU. 

I closed my accounts 2 weeks ago and I asked for a cashier 's check. It was given by the XXXX branch in Kentucky. I took the check and deposited in a bank near my address in XXXX, KY. I was a member for 34 years. Retired from the service in XX/XX/XXXX with 24 years of honorable. I have had one problem after another with NFCU. 
Too numerous for this posting! Get wise and bank with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
Nelnet XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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 an account with XXXX XXXX which was opened and closed in XX/XX/2007 and it is still on my record after 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Center Street Finance, LP dba CSF Servicing
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: Investigation took more than 30 days

Complaint:
I have been trying to get this matter solved for months and almost two years since I got the car. The car loan is not showing up on my credit reports and on the website of the car loan company states they report the information every 30 days. 

I have sent multiple letters to the company CSF SERVICING and even contacted credit bureaus and dispute to have my account included in the reports. No answer has been provided to me and every time a dispute closes no changes are made in my reports and the account never shows. 

I have tried to resolve this matter with Contact Information Address : XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX EMail : XXXX Text : XXXX Fax : XXXX Business Hours Monday thru Friday XXXX to XXXX CST Saturday XXXX to XXXX CST and no answer. I will no longer pay for a car that is not helping me build my credit and maybe will never get a clear title off this company due to this mess. 

Please I will await your answer within 30 days Thank you for your attention in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian. I had a free week for their extra serviceand then it charged me which was fine then I go to cancel and there's no way to cancel online and the phone number doesn't give me a person and hangs up. Also the only option it does give you to cancel is their FREE service not the service you are paying for.

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 2019-06-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/16 {$1900.00} Not my debt.Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay XX/XX/16 {$1700.00} Not my debt. Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay.

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 2020-09-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had a XXXX Reward Chase credit card for a little over a year. When I applied and was approved for the card in XXXX of XXXX my limit was {$21000.00}. I used the card over the last year and was carrying a balance around {$3000.00}. I have made all payments on time with no issues at all. In XX/XX/XXXX I noticed a drastic decrease in my credit score and started to do research to find out why. At the time my credit score went from the 710s to the 660s. Upon researching the situation I discovered the Chase had reduced my limit from {$21000.00} to a mere {$3400.00} and my balance owing at the time was {$3000.00} putting me at almost 100 % balance to limit ratio. When I called them in XXXX to inquire they said they review accounts periodically and make changes and to reference the letter mailed to me for additional reasons. 
The reason provided on the letter were BALANCES ON ACCOUNTS ARE TOO HIGH COMPARED TO CREDIT LIMITS BALANCE OWED ON REVOLVING ACCOUNTS TOO HIGH NUMBER OF ACCOUNTS CURRENTLY IN USE There were no major changes to my credit from when I applied in XXXX and was granted the limit of {$21000.00} til when they made the changes to the limit in XXXX. Only difference was I had used their card as intended for a XXXX vacation. 
This was a reduction in my credit limit by 85 %. This was unfair and wrecked havoc on my credit. 
There has to be something protecting creditors from negatively impacting their credit like this. Even if they had decided, due to COVID and the risk associated with larger limits, to reduce my credit limit to a to a point where my balance would be 30 % of the limit that would have been more acceptable as it would not have impacted my credit so drastically. That would have still allowed them to cut my limit in half. This seems to be such a deceptive and unfair practice and there has to be something that can be done to protect a consume like myself who works really hard to keep my credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Obtained mortgage from XXXX XXXX XXXX on XX/XX/XXXX at XXXX ARM at 4 % for a monthly mortgage payment of {$4300.00} inclusive of principal, interest. escrow ( property tax, PMI, home insurance ). Mortgage was sold to XXXX in XXXX. In XX/XX/XXXX received letter that from XXXX XXXX monthly payment will be {$5100.00} an increase of {$830.00} due to escrow shortage. Did not get clear reason of escrow shortage from mortgage company for 3 months. ( ARM always remains fixed ) Mortgage was sold to Freedom Mortgage from XX/XX/XXXX. They after few calls, in XX/XX/XXXX said previous company sent me an escrow surplus check in XX/XX/XXXX of {$6900.00} which I never received. The previous company then did escrow analysis afterwards and determined escrow shortage and increased mortgage payment from XXXX  XXXX. They did surplus calculation first and then did escrow storage determination. This increased our mortgage payment by {$830.00}. 
Requested check of {$6900.00} from previous company took 1 month to reach on XX/XX/XXXX. Freedom Mortgage on XX/XX/XXXX agreed to do a fresh escrow analysis and report back in a week. We called on XX/XX/XXXX and then they denied to do escrow analysis. Rather they asked us to continue to pay the increased mortgage payment as well as the escrow deficit ( approx. total of {$8200.00} ) and that they will do escrow analysis in XX/XX/XXXX. It was very unjustified that they demand for us to pay more monthly for complications in escrow calculations due to no fault of ours. 
Incidentally, we continue to keep paying {$4300.00} as we have come to determine that our property taxes did not increase, and all other escrow payments are constant. As per ARM we have never seen mortgage monthly payments increase during the ARM period. They are giving all kinds of reasons to not do justified mortgage escrow analysis and we are being harassed for the past 6 months. It seems they want us to get penalized by forcing us to pay higher monthly payments due to escrow complications, not created by us.

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 2020-11-17
Company: Alamo Premier Mortgage Group Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
*****THIS COMPANY IS A SCAM***** In 6 months of working with XXXX and XXXX, they have refinanced 0 out of 5 of our loans. They have lied about their process and told us in email multiple times that they were going to order appraisals and that loans were going to be approved " by the end of the week '' on several occasions. To this date in time, they have not refinanced any of our loans and they are refusing to give us a refund. 

XXXX XXXX has told us multiple lies which we have in emails from him. XXXX XXXX, the owner, briefly stepped in and said he was taking over the file but that lasted less than a week before he put XXXX back on it. 

After 6 months of waiting for them to just get one of our loans refinanced, something they never accomplished, we finally asked for a refund. Initially, they offered us less than half of what we paid them as long as we signed a release form and said that we were entitled to nothing. This was after XXXX induced us to sign a credit card authorization form for all 5 of our properties by telling us about their " Loan Guaranty ''. Now they are refusing to offer any sort of refund. 

We have already filed a complaint with Texas Department of Savings and Mortgage Lending and the Consumer Financial Protection Bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As of XX/XX/2019 This company " XXXX XXXX '' phone both my brother ( XXXX XXXX ) and sister-in-law ( XXXX XXXXg ) I have written documentation from both they were contacted around XXXX CST. Both family members said " a lady '' would not give her phone number and says she is trying to get a hold of me. '' She did state she is from " XXXX XXXX. '' I don't know who this company is, but when I searched in on XXXX, it states an address of XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Their website states " Health care '' and " Commercial debt collection. '' I have not received any written documentation. I did get one call and the person would not identify themselves unless I " self identified '' and that is not something I would ever agree too.

Company response to consumer: Closed with explanation