BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a loan, which is subsidized and is currently in the education deferment. It has @ {$69000.00} in unpaid principal and has no unpaid interest. I also have an unsubsidized loan. I am currently paying {$300.00} a month while in deferment, with that amount being split per Navient policies between loans. The account history for my subsidized loan shows that on XX/XX/2021, I was credited {$180.00}. Then also on XX/XX/2021, I was debited {$180.00}. This pattern has been ongoing for years and is also the case with the unsubsidized loan : my account is credited, and then the exact same amount is debited. Despite having made this payment for some time, the balance of unpaid principal according to the account history has not changed on this subsidized loan. I have called and I have written previously, and I receive back boilerplate language explaining how payments are divided between the accounts. Now, the Navient portal will not allow me to send questions to Navient by the portal 's email system, despite whatever browser or computer I use, retuning an error stating I do not have to access the email system. The fact that there is a cycle of debits and credits and never shrinking principal on my subsidized loan is never addressed in any response. I am becoming increasingly frustrated at the lack of explanation. I am making a good faith payment every month despite having an education deferment, and yet, it appears that Navient is pocketing my payment and not crediting my account. I would really like an explanation of this revolving credit/debit cycle and why the principle is not showing a reduction on the subsidized loan despite regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: United Group Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I was notified by XXXX XXXX that there was a change to my credit report upon review it was United Finance submitting as if I was applying for a loan. I have not applied for anything since XX/XX/XXXX with this company so I called on XX/XX/XXXX I called United Finance to see what it was about and was told it was to garnish my wages. I then inquired what for they advised for a auto loan that was taken out in XX/XX/XXXX. I disputed the claim and was sent a letter for ID theft asking for copies of my ID which I would not send. Then I contacted them again the next week to get balance and last date of payment and judgement date and court filed at I was told balance is {$12000.00} don't have record of last payment judgement dateXX/XX/XXXXXX/XX/XXXX and through XXXX County. I had sent a request to XXXX County to get a copy of court documents in which it states that a letter was mailed to a address that I was not at for at least 1 and half years prior. Still to this date I have not received one notice from United Finance even though they say that they sent statements. This loan was originally for {$2000.00} now almost 20 years later they are wanting over {$12000.00}. Per the court papers principal balance is {$1600.00} and filed on XX/XX/XXXX which is well past the 6 year statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reported to all 3 credit bureaus multiple times that XXXX is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.

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 2018-08-01
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
During the month of XX/XX/2018 I made two payments to my loan so that I would be ahead. One payment was made on XXXX and the other on XX/XX/XXXX. I noticed when I made the payment for XX/XX/XXXX that my payment for XXXX had not posted to my account. I called my local bank who ensured me that the funds were removed from my account and they were able to send me a copy of the electronic check. Since then I have called my loan company, Huntington National Bank, four times and keep getting different stories from them. The first time I was told that the payment was not received, second was that the payment was returned, third time I was told that the payment was put onto a different account that they would fix it ( this was after the geniuses processed a missing payment request for my payment made on XX/XX/XXXX ), and the fourth time they tried to tell me that they had no record of a payment attempt for that day even though I have my payment confirmation code. My loan company keeps trying to tell me that the payment was made from an account that does not exist. They tell me that the account number used for the payment is an invalid account number. The same day as my fourth call I reached out to my local bank who holds my checking/savings account and they offered to call my loan company themselves. My bank rep ensured them that, dispite their multiple claims of the contrary, the funds were infact released to them from my account and that the account they keep claiming not to exist is a valid account. I have offered on many occasions to send them a copy of my electronic check ( which has the account number they claim to be invalid, their company name, and my loan account number ) but they will not give me that option. I was told last week that I was going to get a call from ... someone ( they wouldnt give me a name or title ) but was honestly not surprised when that call never came. My local bank says its too late to dispute the charge and my loan company keeps saying there is nothing that they can do. I am currently out {$500.00} and feel like my loan company isnt even really trying to figure out what the problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
1. On XX/XX/XXXX I was assessed a XXXX overdraft fee on one of my PNC accounts.

2. I had 100.00 on one of the other accounts to cover any transactions, plus based on my budget and expenses, I knew those XXXX would cover anything coming. I am enrolled on overdraft protection.

3. When I called PNC to ask as to why I was charged that fee, I was told that it was because balance on the account was XXXX. When I told representative about the account with the XXXX, she told me such account was not part of the overdraft protection.

4. Back in XX/XX/XXXX, a PNC employee by the name of XXXX XXXX assisted me with an issue and he opened a checkings account for me ; I'd asked him to ensure all of my 3 accounts were connected and part of the overdraft protection. At any point during such conversation did he told me that would have not been possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was never late 30/60days on this CAPITAL ONE BANK USA N account. Please update my account to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX   Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I can not get the customer service to respond back to me over months now. There is no person to talk to resolve my issues. I can not get access to my account and they do not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called my lender/bank yesterday to refinance my current VA loan with them. The company that has my mortgage is USAA, located in XXXX XXXX, Texas. I was declined for the new mortage, as they said my credit score was XXXX ; I checked today, based on an email USAA sent me to enable me to do so, and my XXXX credit score is now XXXX. When I called to complain to USAA, the mortgage loan officer now says my credit score is XXXX. I am reporting USAA for trying to run a scam on me, with misreporting of credit scores, and wish them to be penalized in the maximum amount for this attempted scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The accounts are not belong to me. They were opened like a fraud and must be removed 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 explanation
Consumer complaint received 2018-04-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Both my wife and I signed up for the Chase XXXX XXXX XXXX card in XX/XX/XXXX. At that time when you completed one year with the card ( and paid the {$49.00} annual fee per card ) you would receive a certificate good for any XXXX property in the world. Therefore, this year ( XXXX ) in XXXX we were set to receive this certificate after paying the {$49.00} fee. In early XXXX of this year we each received a letter stating that any certificate issued after XX/XX/XXXX would only be good at XXXX hotels valued at 40K points or less. This was pretty annoying because we had signed up with a different understanding. However, we know that companies reserve the right to change programs at will. 

However, we later discovered in a written communication with a Chase representative that " If a customer 's account was opened between XX/XX/XXXX and XX/XX/XXXX the this change doesn't apply to their account for the first year ''. See attached picture. Thus, someone who signed up AFTER we did would receive at least one unrestricted certificate. It defies logic that the company would reward people who signed up later than us to receive a reward from which we were being denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: CT
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:
In violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( XXXX, Equifax, and XXXX )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage used to be with XXXX. They sold it to Rushmore Loan Management Services last XXXX. I received a letter from Rushmore in XXXX or XXXX saying they needed proof of current hazard insurance. I received another letter from them in XXXX saying they needed the proof or they were going to buy insurance and charge me for it. I got the proof from my home owners association and submitted it online. I received an email saying it had been accepted. Two days ago, XX/XX/XXXX, I got a final notice letter from them saying they've already bought the insurance and I have to pay them for it. How is it a final notice if they've already bought the insurance? I called them yesterday and was told that what I submitted online was not sufficient. They want my unit number on the master policy. I tried to explain to the woman I spoke to that it's a master policy, it covers every unit in the complex. That didn't work. So I'm having to jump through hoops with my associations insurance broker to get this taken care of. I think their request is ridiculous and unreasonable. And I think it's a way for them to charge me for insurance I don't need. I feel like I should get an attorney because I can almost guarantee you they're going to want me to pay for their insurance. What a scam. They also wanted my personal homeowners policy. Why do they need that? 

Please read the reviews on XXXX for this company. Clearly there is something very wrong going on there. I shouldn't have to refinance my mortgage loan because of a crooked mortgage company. And I will not pay for their stupid insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her loss mitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened an account with capital one but they are claiming that checks got returned so they froze the money i did have in there and closed my account n access i neef to pay bills and the checks the tslk about i didnt do them..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I check my credit report comes up as a negative on my credit report Completed the loan modification process so everything should be good now on my mortgage and I need this to show on my credit score so can get my credit score to 6 or above as I need to do.

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 2022-01-07
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collection agency Direct Recovery XXXX has indulged in repeated predatory, fraudulent and illegal methods of communication concerning a debt I have never owed. They have text me and leave messages constantly beginning this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sold this debt to another collection agency but Im unsure of the name. I made monthly payments and a few days before I completed paying off this full balance of XXXX they sold it to a new collection agency. Shortly after I made my last payment I started receiving call from this new collection agency asking for the full balance stating they were just sold this collection and I have to pay the full balance again. I explained to them that I already paid this balance off and this said I was still required to pay anyway because I didnt make those payments with them. I feel its unfair for me to pay this again after already being paid in full. At one point they did remove it from my credit report and Ive recently noticed it was placed back on there as if it was never paid. Im unable to give dates due to it being years old but Im 100 % positive this debt has always been paid.

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: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i had phone service through XXXX,8 lines to be exact, i was a XXXX customer for about 12 years at the time.our service was interrupted for some technical reason, i was told it was a down tower.the problem was we had absolutely no service at all and our business suffered for approximately 4 days.we had to drive 13 miles to be able to place or receive calls.i reported the problem and was told it would be corrected quickly.it was not so i cancelled all services and went to another carrier.i have saved the email correspondence between myself and XXXX.they still put it on my credit report and it almost prevented me from purchasing my home in 2014.my mortgage company informed me that in order to finance my home, i would have to write a check for this debt at closing for the home purchase.i then remembered about the emails and forwarded to the underwriter who then decided i did not have to pay this debt since it was not my fault.i puchased my home and now i want this debt removed from my credit report.it is bogus and absolutely not my fault in any way because i will say that to this day, i refuse to pay for it since i did not cause the problem.i was greatly inconvenienced because of this and now i want it to be made right.thank you for your attention to this matter, i have attached the emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MD
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:
XXXX ( XXXX ) wrongfully reported my XXXX payment on Loan # XXXX as delinquent to the 3 credit bureaus, causing a significant drop in my credit score. The payment was issued by XXXX on XXXX XXXX ( check # XXXX ) and cashed by XXXX on XX/XX/2022 ). Despite me providing proof of payment to XXXX by Email on XX/XX/2022, XXXX PM EST, and several calls afterwards ( Case # XXXX ; Case # XXXX ), XXXX still decided to notify the Bureau in XXXX damaging my credit history and score for no reason.

Company response to consumer: Closed with explanation