BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: EQUIFAX, INC.
State: UT
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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is per compliant ID XXXX and XXXX In Summary of the complaint : I made two payments to American express of {$3700.00}, and their records have not credited me for both of them, as their correcting entries reversed one of those payments. 

In the Month of XX/XX/2016 I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them stating I owe {$3700.00}. The cause is that in XX/XX/2016 I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00}  to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. The discrepancy occurred in the Month of XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/2016 per Reference : XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 2 ) XX/XX/2016 per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: AZ
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:
The account shows the payments were late. The payments were never late. They also failed to verify the investigation within the 30 days. They did not provide me with any proof of their process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX I submitted documents to continue my forbearance as they will only grant 6 months at a time. I have been previously told that after this 6 months was up I can apply again and that I have 18 months left of forbearance after I use this 6 months. On XX/XX/XXXX I receive a response that I cant have my forbearance applied back to back until I make one full month of payments. This has never been disclosed to me and has never been an issue in the past. I called the third party company that handles all the responses and asked to get in contact with the lender. They advise me that they dont have a phone number and can not provide me with an email or any way to get in direct contact with the lender. All they were able to do is direct me to the lenders website which leads to another company that does not get me any answers as I have tried to call that number in the past. They assured me they would raise my concern and I would get a response. Its now XX/XX/XXXX, my loans are past due, I cant make the payments due to helping my sick mother with money due to medical issues and I have no response from the company UAS XXXX or the lender Younomics of why they have changed rules yet again ( not the first time they have suddenly changed rules ) nor have I been provided any disclosure of changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Atlanticus Services Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Toll free number XXXX has been calling me for the past 10 days. I have told them each day that they have the wrong number. Every day I'm told that my number will be removed from their calling list, however they keep calling every day some times twice a day. I have filed an abuse complaint with their service provider and now with CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: M&T BANK CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/20, I noticed fraud on my debit card. Two XXXX of {$1000.00}, {$1000.00} and two XXXX XXXX charges of {$1000.00} and {$2000.00}, and two deposited checks. I filed a police report and an identify theft report with the FTC. Both of those were sent to the bank. We called on XX/XX/20 to report the fraudulent activity and submitted a fraud dispute on XX/XX/20 in person at the local XXXX  branch in XXXX, PA. My bank, M & T has issued refunds to my account for the two deposits ( {$20.00} reissued for each fraud check deposited ) and two XXXX transactions of {$1000.00} and another {$1000.00} dollars. However, this was first done to my mom 's joint account not the account in question. We were never notified by the bank. We had to contact the local bank branch manager in XXXX, PA last week on XX/XX/20 and tell them the money was issued to the wrong account and then they move it to the correct one. However, we never received any statement saying this. Then, we waited 12 days until we heard again from a fraud worker with the bank. The fraud worker was focused on deposits. He kept saying I must have deposited the checks based on my phone number. I absolutely did not do this. He had no information for me about the XXXX XXXX  fraud. We are currently disputing the XXXX XXXX  charges on the account for reimbursement and they had no information for us about those charges. Also nothing has been sent to us in writing. Again, it has been over the 10 day requirement. 

Here are the overaching concerns : 1. We notified the bank of fraud activity when the XXXX XXXX charges were pending on XX/XX/20. We asked the bank to STOP pay on these since we did not authorize them. They did not. They let these charges go through. 
2. M & T charged us insufficient fund fees based on these charges that made the account negative during the ongoing investigation. During this entire investigation, they kept trying to charge us insufficient fund fees even though federal law states this is illegal.

3. M & T has not provided us with any written communication about their investigation. We have been kept in the dark. 

We do not feel safe as consumers and members of this bank. They are not following federal laws that protect consumers and they are not following required guidelines for fraud investigation. We ask that the CFPB holds M & T bank accountable for not following the required timeline for handling this fraud case and not keeping consumers safe when they report fraud. Again, we reported the XXXX XXXX  fraud before the transactions when through and they did not stop this fraudulent activity from occurring.

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 2018-08-17
Company: Navient Solutions, LLC.
State: MS
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:
Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. Navient increased my student loan payments from {$60000.00} to XXXX XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX  veteran that is requesting full forgiveness or discharge of all of the reported student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: EQUIFAX, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
I Cant Log In To My Account XXXX please help me with this problem i Open a Credit Card Account With XXXX XXXX XXXX XXXX In The XXXX they locked my account and i was not able to view my Statement online and see my account please me with this problem i dont know why they locked my card and they locked it because of a Dispute that was already resolved please help me with this problem ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In spite of a XXXX XXXX monthly payment, this loan balance never decreased. I experienced a reduction in income and could not afford the payments so I signed up with a credit counseling agency. There was no resolve to the issue and Ive been behind ever since. This loan opened XX/XX/2018 total amount borrowed was {$3500.00}. Today the balance reported on my credit file is {$10000.00}. It has almost tripled. How can I ever pay this off. In the meantime it is killing my credit. I have disputed the information to no avail. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a Marriott credit card via JPMC. They pulled my credit report on XX/XX/XXXX. 
I then received a letter from JPMC on XX/XX/XXXX dated XX/XX/XXXX, requesting me to contact them regarding the application ( see attached ) with only " Action Needed. '' I then contacted JPMC upon receipt on XX/XX/XXXX and while going through 2 specialists and numerous security checks that included issues with their systems not being able to text codes, and inputting my social security number, I was then told that there was a discrepancy between the online application SS # and the one on my credit report, could I verify which was correct. There was a typo on the online application. I was then told to hold while they reviewed the application. At no time, was I informed that an additional credit report would be pulled as part of that review nor did I believe they would need to as the credit report on XX/XX/XXXX was the correct SS # and valid up to date information. 
As soon as I hung up with JPMC, I began to receive alerts from the credit reporting bureaus notifying me that a credit report had yet been pulled again by JPMC and because it was within 5 days, my credit score had decreased by 10 points due to this action. I was alarmed and upset as when speaking with the " specialist '' no one provided me the indication that another credit report would be pulled. I understand the consequences/adverse effects this causes to one 's credit rating and if I had the opportunity to say " No thank you '' because the risk is greater than the reward, I would have walked away. 
I then began to escalate this matter through the customer resolution team on XX/XX/XXXX and requested to speak with a manager that called me back on XX/XX/XXXX. While she understood my position, she let me know there was nothing JPMC did wrong, they appreciate and would take my feedback to management and feel free to log a complaint. This is not good business and it is sneaky at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I had a house fire affecting my garage area and an outside storage building of my home. I called my insurance company on this date, a Friday afternoon, to report the fire. On Monday XX/XX/XXXX I was contacted by the insurance adjuster, XXXX XXXX, hired by my insurance company, XXXX XXXX. On XX/XX/XXXX XXXX XXXX came to my home to inspect the damages for the claim. On XX/XX/XXXX I received the letter stating the damages for my house fire along with a check issued to myself and Chase in the amount of {$18000.00}. I then contacted Chase to learn how to proceed with cashing the check and the procedure for repairing my home. I was instructed to visit their website, XXXX XXXX XXXX to start the process. I did so. I endorsed the check and mailed it to Chase for processing. I then contacted the contractor and submitted the attached documents. Chase would not accept the letter from XXXX XXXX stating the damages from the fire. I then contacted XXXX XXXX to explain that Chase would not accept the letter he submitted. XXXX XXXX then contacted XXXX XXXX   to obtain a corrected letter, which is also being submitted. XXXX XXXX who is a seasoned insurance adjuster of 45 years stated he had never worked with a company that was so difficult in their claims process. 
I received a letter from Chase dated XX/XX/XXXX stating that my loan would be transferring to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. This is only a 14 day notice. I contacted Chase for questions and to find out if any funds were going to be issued prior to the transfer. I was instructed that funds would not be available prior to the transfer and I would need to start the claims process over with the new company. I was VERY upset by this and was hung up on by the Chase representative I spoke to. I acted irrationally and yelled quite a bit but I was also very upset. The temperatures during these past two months have been very cold and the damages to my home created by the firefighters as they extinguished the fire left a hole in my ceiling. The hole is inside the home approximately 5 foot by 6 foot. We had covered with plastic but it still brings in A LOT of cold air. I was yelling and was very upset, but with good reason. Everyone in my home has suffered from the cold weather. 
My utility bills have increased more than expected during the winter months and my home still smells of smoke. We have started on the clean up and demolition and are at a point where we can not proceed without the funds allotted to repair the home. We have already paid for the dumpster and labor costs for demolition. 
I dont think it is right for Chase to change my loan provider in the middle of a claim. Now we have to start this process over again which means it will take even longer to repair the damage to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a unpaid medical debt show up on my personal credit report that is not something I owe. It was filed by Consumer Collection Management in the amount of ( {$570.00} ). In contacting Consumer Collection Management they say it is under another person 's name so they will not speak with me. This debt on my credit report has lowered my credit score substantially and cause me serious financial damage. It was put on my credit report starting XX/XX/2017 and I have already lost over $ 55K as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I started school back in the late 90 's, it took me over 13 years to finally complete my Bachelor Degree as I was working two jobs and attending school part time off and on. I have been a single parent since 2007, I have worked 2 to 3 jobs at a time to make ends meet so I had to keep deferring but I finally have a job where I can afford about {$200.00} a month to start paying back my student loans.

( I used the maximum amount for my Bachelor which is XXXX and I took only two semesters toward my Masters ). 
Now that I am able to pay my loans back, my total amount due is {$170000.00}!! I emailed Federal Aid and told them there must be a HUGE mistake because I only borrowed about XXXX and they wrote back and told me the interest has been accruing daily for {$25.00} per day. So, I have {$100000.00} in interest which makes my payments about {$900.00} a month! I also saw on my portal that if I pay off my loans by XXXX, then I will have paid over {$300000.00} for my Bachelor Degree! I am literally sick over this and not sure where to turn because I don't want to have my wages garnished and a lien on my home I have worked so hard for. I worked for XXXX XXXX XXXX for 16 years and I didn't even know that the interest would amount to this much! Please help me. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Director of Ocwen Department of the Consumer Ombudsman XXXX XXXX Dear Mr. XXXX : On XX/XX/2018, I and a representative of Senator XXXX ( XXXX XXXX ) conferred with you about a serious problem we were having with the modification process of our mortgage. At that time you indicated that you would take care of the situation and would work with me in order to resolve the problems with the modification process of my mortgage. After that conference, I sent a new modification application to you as requested and awaited your response. 

Throughout this period I have been prepared to do whatever is necessary to resolve the situation with the modification -- which really should not be so difficult and is most certainly viable and possible. Unfortunately I received no further communication from you, but have instead just received yet again another letter informing me that you are attempting to sell my home, now on XX/XX/2018. 

We are shocked and very angry that your company would engage in such severely irresponsible behavior. We had an agreement to, in the very least, make an attempt to work out the situation -- which can be worked out. 

The extraordinary act of attempting to sell a familys home without any legitimate legal basis is a life and death situation for some Americans. This profoundly unethical behavior is an abuse of a severely dysfunctional and corrupt legal system in an attempt to do your part in the overall agenda to literally usurp the property of humanity itself. This situation must stop now! 

Please cancel the foreclosure sale scheduled for XX/XX/2018 and communicate with me about this situation. As I have indicated in the past I am certainly willing to work with you to resolve this situation and to avoid what would be a completely inappropriate, illegal, and unconscionable outcome. 

Completely failing to address the situation and allowing such a gross abuse of the rights of others is an absolutely unacceptable way to proceed. 

Sincerely, XXXX XXXX XXXX XXXX CC : Senator XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
My information has been breached, everyone knows it ... everyone is taking full advantage of it and even trying to get a loan, claim, Grant in my name. It's real hard due to the fact that my own family+friends betrayed me. I haven't made one claim get but XXXX XXXX and citi bank both want to act like it's not going on.. they never let me see the computers when I physically talk to a banker.. They just insist on lieing in my face as they delete all the transactions in front of me.. It's not right nobody can access my accounts except me, There is no joint or nobody who's my financial partner wether they have the same last name as me or not.. always deception and XXXX discrimination by citi bank and XXXX XXXX.. I've been with wells for 10years for them to take advantage is straight wrong.

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