BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I wish I could select multiple options under " dealing with my lender or servicer. '' I contacted Navient due to my payment increasing by double without notice. During this conversation that took three hours, I was transferred between customer service and collections multiple times, as well as the call being ended by the representative 5 times during transfer. I asked to speak to a manager, a woman got on the line and spoke with me and then transferred me again. I was instructed by the next individual that the former representative I spoke with was in fact not a manager. This individual, who also identified himself as a manager, attempted to provide me with an explanation that did not make sense based off the explanation of my plan and the payment expected, attempting to confuse, mislead and misrepresent that numbers I was charged monthly and what payment program I was in. I inquired about ALL of Navient 's repayment plans, the individual stated that he would not discuss any of the other options because he would not allow me to enter into another program, based off his discretion. When explaining to him that we were seeking information from him in the customer service department the individual again reiterated that he would not even discuss any options because he had already decided he would not allow me to move to any of the programs offered. He also attempted to scold me for asking for these options. Navient continues to exhibit the same behaviors alleged by the CFPB in their lawsuit and their employees continue show a lack of education about their product and block borrowers attempting to gain information about all of their programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: EQUIFAX, INC.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage through XXXX XXXX XXXX on XX/XX/XXXX, 2019. At that time they contacted all three credit reporting bureaus to pull reports. Equifax returned the request and stated there was a Fraud Alert on my credit and I would have to have that removed. The other two agencies XXXX  and XXXX complied with the request. I was told by Equifax that I would need to send them a copy of my license and social security card. I did not have my ss card present so I was told I could send a copy of a W2. I faxed over my license and a copy of my W2 along with a request to remove the fraud alert on XX/XX/XXXX, 2019. I was told it would take approximately 7 days before the fraud flag would be removed. My bank tried unsuccessfully to pull credit reports from Equifax on several occasions with no success. 

Upon being contacted by my bank that they were unsuccessful, I contacted Equifax again today XX/XX/XXXX/2019. I was told that the fraud alert was removed on XX/XX/XXXX, but there was a discrepancy on my credit file and they could not disclose it to me. I asked what must I do for the bank to get a credit report and I was not given a clear answer. To add insult to injury the service rep, XXXX, hung up the phone on me. 

I am in danger of missing my closing date and loosing my earnest money deposit. Equifax has no right to hold my credit file hostage. I would like to lodge a formal complaint against this business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the Bureaus Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not suited to handle a 'negative amortization ' loan. Online and statement by mail only give the option to pay the minimum amount plus insurance. They see my loan as a standard ARM and at the same time tell me they understand a negative amortization loan. Since taking over the loan ( 4 or 5 months ago ) I have to call every month to make my payment. I never speak with the same rep so I have explain my loan so they take the right payment. This takes time as they put me on hold to read the mounting notes of the previous months. They go through the same series of solutions that I go through every month that never fix the issue. Since being forcibly moved into this company it has taken me 30 to 45 minutes to make a payment. It used to be 30 seconds online at Wells Fargo. All I am being told is that they are working on it. My relationship due to my frustration is not going very well with this company. I understand my loan can be transferred and what I do not understand is how it can transferred to a company not suited to handle this type of loan? Wells Fargo told my only way back it refinance but I like my loan and want to keep it. 
What recourse does a consumer have in this type of indecent? There has to be something against mortgage companies selling consumer mortgage loan paper to unqualified companies.

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 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One has on record from XXXX XXXX when I was robbed and identity got stolen more than once. Everyim I pay off the balances there were more pending charges that just exploded and I could not keep up. I talked to capital one many times and they have bank records and legal records of my continuing problem oh ID theft from XXXX XXXX to now. Capital one is the only credit company that is taking this unfortunate event and destroying my life and credit by reporting the fraud activities on my report even though they have police and bank records to proof that my account were all simultaneously hijacked and I was helpless. I need help and capital one is blocking my accesss to let 3rd party representations have access to my account records for review. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA
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:
Around XX/XX/2019, I went to the hospital. 
I have, since XX/XX/XXXX ( it is now XX/XX/XXXX ), received two to three calls a day from a debt collection agency, demanding the money for a bill I was never given. When I said that I had not received the bill ( I received a bill from the hospital, but this bill was for the physician - I never received a bill from the physician ), the debt collector on XX/XX/XXXX said, " I can confirm the last four digits of your social security number are xxxx, and this debt will seriously negatively affect your credit if you do not pay us back by XX/XX/XXXX. '' I have felt threatened, harassed, intimidated, judged, and, because of my age and lack of knowledge, discriminated against. I have been bullied, and refused information. I have been told " should haves '' when I ask questions. I " should have '' been given a bill. I " should have '' been informed about the physician policy. 
I can't afford the should haves, and, most importantly, I can't handle the stress of another phone call with these horrible, disgusting people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
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 fraud alerts or security freezes

Complaint:
Okay so I had my bank account closed from spring bank last year, due to fraud I told the kn estimator that it was not done by me, and he accused me of putting the fake checks in my bank and told me to pay, I refused to pay and it seems like they have fclowed down my account and have send my information to XXXX XXXX XXXX, now that I have trying to open a bank account through XXXX and XXXX they are saying that I have a red flag, I need this red flag removed by 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 2018-03-18
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/XXXX I sent a certified letter to Credit Service Company , Inc. ( delivered on XX/XX/XXXX ) requesting that they validate a debt they are reporting to the three credit bureaus under my name. I received a letter back from the company datedXX/XX/XXXX stating they completed their investigation and determined the information in their records was correct and they have continued collection efforts. They attached a copy of a medical bill with all of my personal information on it including full name, address, phone number. The letter also included the service date, procedure codes, description, charges, balance, Physician name and the diagnosis codes. This is a HIPPA violation and they should not be in possession of any of this information.

I sent them a reply by certified mail on XX/XX/XXXX( delivered on XX/XX/XXXX @  XXXX ) letting them know that they had violated my rights under the HIPPA law and requested that they delete the information they had provided to any and all credit bureaus, destroy any information about any alleged account and not proceed to sell, assign, transfer or trade the alleged account to any other entity to attempt to collect the debt. I received a second letter from Credit Service Company , Inc dated XX/XX/XXXX stating the exact same thing as listed above with the same bill attached. They are clearly not taking my complaint seriously. I will continue to pursue this issue and will file complaints with the XXXX if necessary. The account they are reporting to the three agencies needs to be removed immediately as requested in my letters directly to them.

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 2021-08-06
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX I sent a debt validation letter to G.L.A. Collection Compton to validate a debt. Instead they sent me a copy of the billing statement of the alleged debt in the amount of XXXX dollars and XXXX dollars. It is my understandings that this company has failed to validate or verify this debt owed and has continued to report this to the credit bureaus damaging my credit report, which is a clear violation of the FCRA regulations. Please delete this information from my credit files and cease all collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Motolease, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had leased a motorcycle through XXXX XXXX in XXXX, FL. They go through a leasing company located in CA called MOTOLEASE. After I got the motorcycle in XX/XX/XXXX I made the payments of {$240.00} a month they were directly taken out of my bank account for a year and a half. I then realized my balance was not going down. Mind you this is a used motorcycle. I reviewed the contract they wanted me to pay XXXX $ plus another {$7000.00} after the completion of the loan to keep the bike ( XX/XX/XXXX XXXX XXXX  ). A brand new XXXX bike costs this much! I decided to terminate the lease properly. I handed the papers and the bike back over to XXXX XXXX within 10 days of calling them and letting them know I was going to do so. Now after two years they have not picked the bike up, they put on my credit I owe them {$14000.00} and the bike is in involuntary repossession. I have the paper work, email ( from the manager stating I did my part ) and several phone calls made to Motolease that I had attempted to rectify the situation. Now I can not even get a car in my name because it brought my credit score down so low. when i contacted the manager at XXXX XXXX he stated the bike was still in their shop and not surrendered by moto lease ... .this should not be affecting me i did my part right. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I ( co-borrower ) am currently applying for a modification with Bayview Loan Servicing. My file was under review, until I was notified by the underwriter that I must remove the primary borrower ( quit claim deed ) in order to proceed with my modification request. This to me seems to be unethical, that in order to continue the review for a modification my wife must relinquish her rights to the property per the hardship. 
Our current hardship is that we have legally separated. We both agreed to work on resolving the mortgage issue as we are both responsible for the loan. We have provided proof to our servicer that my wife ( borrower ) is not contributing to the household income. Yet this did not satisfy the servicer. 
The servicer is now requesting the removal of my wife from title, through a quit claim deed, so that my file remains under review. Please help us to determine if in fact this is truly a requirement for a modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CITIBANK, N.A.
State: NV
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 sent a Certified letter to Citi Financial on XX/XX/2019 asking for Validation stating that I was late and foreclosure on 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 2019-09-30
Company: American First Finance, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX//19 American first financial processed a payment without consent on a closed account ona card that was not on file. Then places me on hold forever stating they were trying to figure out what happened and didnt have an explanation. This is the fourth time that this has occured and I have a voicemail from then stating this issue would not occur again and it has.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My identity was stolen twice during the past few years. I have opted out of receiving any pre-Approved solicitations for credit. Chase continues to send me solicitations that included pre printed checks that can easily taken from my mail box. 

I spoke with Chase today and asked them to stop sending me these solicitations, especially the ones with pre printed checks with a credit limit of {$15000.00}. I was transferred five times and each department said they had to transfer me to another department. 

On the last transfer, I asked to speak with manager. XXXX came on the line and said she would have to transfer me for the sixth time. During the 35 minutes on hold, I was able to find the cfpb site and fill out this form. XXXX refused to give me contact information so the cfpb can follow up with her. 

I have also repeatedly asked them to stop calling me to offer their promotional vacations and they have continued to call me for the past five years. 

I have formally opted out of all solicitations and Chase continues to send them. Please have Chase and their affiliates remove me from all solicitations. Thank you. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Help Center, I am requesting for help regarding an issue registering my account to view my credit score reports. I contacted the Social Security Administration earlier to see if there was an issue on that side regarding unusual activities or any false information. They could not detect any issues on their side as we were able to confirm all of the information. I am in desperate necessities to create and build a credit score, however due to this issue, I am trapped in a loop and can not access my information in anyway, to report back to my bank and be able to build a credit. Please contact me however possible to manually confirm my information and proceed with my credit reports. Thank you in advance.

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 2018-05-21
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After I graduated college in XX/XX/2014, I had problems finding employment for a year. Despite being unemployed I had to pay XXXX XXXX in order to put the loan on deferment. I had to pay {$150.00} dollars every three months for a year. After my deferment period ended, I informed XXXX XXXX I could not afford the {$500.00} dollars monthly payments. The company refused to work with me and reported late payments on my credit report. XXXX XXXX late payments is effecting my life in a negative way. Despite me having a great credit score, I  can not apply for mortgage or new lines of credit. In the past I have submitted dispute letters to remove the late payments, but the company refuses to do it. I really tried my best to work with the company and because of their unfair practices I am suffering emotional. I feel the company has unfair practices, other student loan companies does not require individuals to pay for deferment and once you run out ; you must pay the amount each month. Many former college students are going through the same abuse and harassment from XXXX XXXX. I feel the government should regulate XXXX XXXX unfair practices because they are damaging many consumer lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: NCB Management Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
NCB Management Service Inc. repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA

Company response to consumer: Closed with explanation