BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: Glass Mountain Capital, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I Received a call XXXX XXXX, XXXX at XXXX from XXXX in regards to a XXXX XXXX XXXX account that is XXXX XXXX XXXX from Glass Mountain Capital XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX, XXXX XXXX. I informed the representative that I am willing to settle the account for XXXX of the original debt. The representative then transferred the call to someone who could arrange this payment. I then began to discuss the same guidelines with the next representative. She then informed me that see could see my existing credit card with other establishments with Balances of XXXX and XXXX XXXX dollars. Which I believe to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). I have never heard of a company leveraging existing account to force a payment from a client. I hung up and called the company back and asked to speak to an supervisor who refused to provide me with the information needed to reach out to the Consumer Financial Protection Bureau. I asked where the received their license to collect debt so that I may call and lodge a complaint. The supervisor dismissed my request and transferred me yet again to another unhelpful representative who could not and would not answer any question I had with regard to their practices or licenses. I ultimately received the CFPB from a fellow professional who was absolutely shocked by the manner in which this was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CCS Financial Services, 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: Investigation took more than 30 days

Complaint:
I have filed complaints with all three credit Bureau 's and the investigation took over 30 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX my personal phone rang and I did not answer as it was not a number I recognized. Next thing I my work phone was ringing as I work from home I answered expecting it to be a work call and it was Cohen and Slamowitz calling. Under no circumstances did I ever provide or give them permission to be calling me at work. As my work number is strictly for work purposes only. I feel that it was harassing and unprofessional to even attempt to call my place of employment as no message was even left on my personal phone. I have also asked for payments plans and they said my payment amount wouldn't be good enough or if they did accept it I could only pay said dollar amount for a certain before they would force me to pay a higher amount m

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am still showing late payments on an account that is from XX/XX/XXXX not only is this over the seven years mark it is also closed. It still continues to show late payments until XXXX as well when the vehicle was returned in XXXX. How is this right?

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 2021-11-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Dovenmuehle Mortgage, Inc.
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We received a letter dated XX/XX/2021 advising of a change of loan servicer that would be effective XX/XX/2021 ( see attached LoanTransfer document ). 
The new servicer sent debt collection letters individually to myself and my spouse dated XX/XX/2021 ( see attached CollectionNotices document ). 
We sent a qualified written request in reply asking for specific contact information from the new servicer as required by law and an investigation into whether the new servicer inappropriately reported incorrect information to any credit reporting agency ( see attached DisputeLetter document ).

New servicer acknowledged receipt of the letter and then failed to respond to the specifics of the letter but addressed the payments provided to the first provider and treated it as a late fee complaint ( see attached BankReply document ). 
This complaint is also being provided to the VA OIG.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity and information has been stolen and used someone other than me. There has been numerous inquiries and fraudulent accounts made on my name resulting in a {$25000.00} car loan debt that is unauthorized.

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 2020-04-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
While still living in XXXX  I opened 2 accounts ( checking and savings ) with SunTrust ( NOW TRUIST ) in XXXX XXXX XXXX  online. I made my husband the secondary account holder ( it was an option ) and transfered {$1000.00} into each account. I did this so that we would be all set once we move there in XX/XX/2020. The bank sent me temporary check and deposit slips as well as an ATM card. Shortly after receiving the items, we received a letter stating that the accounts had been closed due to " Rules and Regulations for deposits '' and the money was returned in same letter. We called the Fraud department of the bank but were told that any more information was not available. 
When we moved to XXXX  we contacted SunTrust ( now Truist Bank ) to open a new account. We were told that the " closed '' accounts could not be reopened. To the question if we could just open a new account, the answer was no at first. After probing and speaking to various departments over an hour on the phone, we finally got to XXXX in the Consumer department who told us that only I, XXXX XXXX, could open an account but my husband XXXX could not. XXXX received this information from the back office, as she called it, of the Fraud department. Further questioning revealed that I, XXXX, wouldn't even be able to give my husband access to the account. My husband got on the call with XXXX and after another check with the back office of the Fraud department was told that SunTrust will not allow my husband to open an account and that he was banned for life of doing business with SunTrust. 
We were told that the Fraud department refused to speak with my husband nor are they willing to give any explanation as to what the issue is or allow him to address and/or defend himself against any possible falsities.

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 2021-05-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While looking to book a hotel an advertisement with HUGE bold letter from XXXX XXXXXXXX XXXX credit card offering XXXX point if {$3000.00} are spent on the card within XXXX months. I followed the link and applied accordingly. Because I've had trouble with Chase in the past I read all the disclosures, terms and fine print. After completing the application and receiving the card and registering it online I noticed the offer was only for XXXX. I called Chase 's customer service department and they verified that it is only for XXXX and that they could not provide me with any additional answers or resolution other than that they can escalate it. 

I've attached a screen shot of Chase 's advertisement of XXXX points. When speaking with Chase 's customer service they also confirmed that XXXX is the correct offering for the exact card I signed up for and received. " XXXX XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act the extensive hard inquiries are currently listed without me ever speaking or giving consent to have my information listed. Please take care of this issue. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C, 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I put an envelope with a {$63.00} check to XXXX XXXX in the mailbox near my house. The next day a postal worker took my {$63.00} check from the mail and gave or sold it to another man who forged his name on that check as well as a new amount of {$9200.00}. He cashed it at his bank ( XXXX XXXXXXXX XXXX ) on XX/XX/XXXX and my bank ( CHASE ) transferred the money out of my account. 

The postal worker has been arrested ( XXXX XXXX XXXX  ) but here 's the challenge, CHASE won't give me my money back. 

CHASE keeps telling me to wait, but it's been 4 months. CHASE also says it's up to XXXX XXXXXXXX XXXX to put the money back, but it's CHASE I trusted with my money and they took the money out of my account. 

I have the carbon copy of my original check and a picture of the forgery that can be provided. I've filed a police report and have all the documents needed. 

Here is a timeline of my attempts to get the money back : XX/XX/XXXX noticed fraud and called Chase, they said theyd mail me documents and couldn't e-mail them or fax them ( unnecessary delay ) XX/XX/XXXX went to local Chase branch, banker filled out forms, notarized, and faxed them in to Chase fraud XX/XX/XXXX Chase fraud department says they were not received and gave a new fax number. I went to local branch again and they faxed to both numbers XX/XX/XXXX local Chase branch overnighted documents to Chase fraud department and said they were signed for XX/XX/XXXX XXXX XX/XX/XXXX called Chase fraud, documents still not received, asked for supervisor, local bank uploaded documents XX/XX/XXXX Chase finally puts a date stamp on fraud documents, 60-90 day window begins. Received letter Were working with another bank on your check claim XX/XX/XXXX called Chase fraud department, no update XX/XX/XXXX local bank calls Chase fraud department who says they are at mercy of XXXX XXXXXXXX XXXX, which I took issue with. With $ XXXX in revenue, I said they should put the money back in my account instead of waiting for XXXX XXXX XXXXXXXX since they allowed the money to be taken out of my account without any notice XX/XX/XXXX call from Chase escalation department who says there is nothing they can do, just have to wait for investigation to be completed, could be over 120 days XX/XX/XXXX - meeting with local Chase, who tried to have money put back by claims department but was told they don't have the authority and that I should call XXXX XXXX  XXXX XXXX The Chase claim numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
student loan is more than 10 years old im attempting to purchase a home and this loan reporting is making my debt to income ratio high.

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 2021-04-13
Company: FIDELITY CAPITAL HOLDINGS, INC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company has failed to deliver notice of debt in writing and have called multiple times to get information regarding debt. Further, if this account is mine, the information they report is inaccurate as i have never owed a debt of XXXX to any rental company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CMRE Financial Services, Inc.
State: PA
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:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. I have brought this to the attention of reporting agency and is it still showing on my credit report XXXX XXXXXXXX. 

CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in regards to U.S. Banks lack of providing financial relief during the COVID-19 pandemic. The U.S. Bank website is deceiving and contrary to the customer service representatives ( CSR ) information provided over the phone. Online does not provide any detailed forbearance information but over-the-phone a CSR said a Relationship Manager would provide repayment options AFTER enrolling in the " forbearance '' assistance program with no ability to know what the repayment options would be prior to enrolling. The CSR then said it was guaranteed that a Relationship Manager would provide a repayment plan in which the lump sum would not be required after 180 days of forbearance. Then, after further conversation, the CSR said it was NOT a guarantee that the Relationship Manager would have a repayment plan and that the lump sum COULD be required after 180 days. Thus, forcing customer accounts to go into default and potential foreclosures. With a company as large as U.S. Bank, it is imperative to have correct, detailed, and accurate information for customers to make an informed decision. Most forbearance assistance programs offer placement of payments on the end of the mortgage loan ; however, U.S. Bank is not providing ANY forbearance options, but rather a way to place financially strained customers in a further bind by using deceitful language to its customers.

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 2017-10-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received my XXXX in XXXX, XXXX in XXXX and injured at work in XXXX. I am unable to pay the XXXX of student loans since I have n't been working. Please email the process, links and information to file for the lawsuit against XXXX. 

Thank you for your prompt attention to my request. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
( Federal & Private Loans ) One of My main distress as a Navient loan borrower is that this entity has misled main core accountability, and as well as failed to execute its central part commitment in the servicing of student loans, breaching the Federal consumer financial laws ( Assembly Bill No. 2251 ) as well as the confidence that borrowers positioned in this entity. Most Federal and private loan student borrowers have a right under federal law to hand-craft their/our monthly student loan payment as a share of their income, an arrangement that can offer borrowers extended payment relief, and other significant benefits. Additionally, Navient escorted us as borrowers confront economic destitution that was not short-term or provisional into lavish payment liberation intended for borrowers engagement short-term financial problems, before or instead of affordable long-term repayment options that were more outrageously advantageous to them ( Navient ) to make the most revenue as a for-profit in light of their financial situation. In addition, in essence to Navients beneficial most profit situation on their behalf ; I feel that this entity has the most interest to make the most profit with student loan borrowers as oppose to helping the higher learning individual prosper. Lastly, it is so sad that this Company ( Navient ) is responsible for this action which reflects my fortune of student loan debt. I went from owing $ $ a set amount to an extreme amount of money due to these type of processes. 



XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
On XX/XX/2022 I applied though XXXX & XXXX online for their 0 % credit card 18 month credit card which went through the comenity banking for their card. I was then denied the following week due to a incorrect credit score that the reported from a third party known as LexisNexis Risk Solutions. Which is not XXXX of the XXXX recognized agencies. My score was 300 points less than what the recognized agencies reported. I called the number that was provided on the letter and was told that I am wrong and that their agency reports their score 200 points less from the other agencies. I argued with them that according to the XXXX agencies which I have access to my score for free my score is a XXXX, and XXXX and the letter that I received said XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My wife and I recently refinanced her student loans with XXXX, who immediately sold them to this horrible company Firstmark. 

Our first payment of {$370.00} was due on XX/XX/2021. Our bank paid them electronically on XX/XX/2021 in the amount of {$600.00}. First mark is claiming that didnt happen and if it did I have to prove it by sending them an email with pictures of the check front and back. 

There is no check ... it was an electronic funds transfer. My bank helped us get copies of my bank statement, payment history and electronic confirmation number. I emailed it all to them and in response they emailed us back saying they could verify our identities. 

Everytime I call they tell me no payments have been made, tell me to email, put me on hold, and then hang up. I've tried to start an online account but when I do they tell me I already have one ( I don't, I've never done business with them before ) when I request a user name or password reset they tell me I dont have an account set up. 

They're taking our money, claiming they arent and demanding more. Not sure what to do. Why would our government give people like this a license to operate?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Company : Discover The company convinced me to " go paperless '' and receive all statements electronically, but they do not keep statements or any account activity beyond 7 years. I am in a legal situation where I require a statement from XXXX 2013, and Discover has refused to comply and insist that they have no means of providing this historical statement or proof of account activity.

Company response to consumer: Closed with explanation