BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: Navient Solutions, LLC.
State: VT
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:
On XX/XX/XXXX, I went back to college to finish my degree. At that time, Navient was contacted with the information that I am enrolled as a XXXX XXXX XXXX with XXXX XXXX XXXX. My loans ( a total of 4 ) where then put into deferment with an end date of XX/XX/XXXX. InXX/XX/XXXX Navient sent correspondence to the cosigner on one of my loans about a payment due. I then called Navient and spoke with them about the loan being in deferment as I have gone back to school. There was no contact or correspondence received by them untilXX/XX/XXXX, when they started calling and sending my cosigner payment reminders again. I then called Navient again to speak to them about this correspondence and the deferment, and to let them know that my cosigner ( who is my grandmother ) XXXX XXXX on XX/XX/XXXX and to not contact her anymore. I was told at that time, that the loan in question is a private student loan and has an interest only payment due and that a 100 % deferment is not an option as it is a private student loan. Navient never explained to me that this loan was not 100 % deferred, nor that it would have an interest only payment due while I went back to school. It appears to me that Navients business practices are deceptive and underhanded. I was never informed an interest only payment when I spoke with them back in XXXX, but was told all loans are in deferment. Then onXX/XX/XXXX, my grandfather received a call from a XXXX XXXX XXXX, identifying themselves as a collection agency and that they are trying to collect on a student loan that my XXXX grandmother ( cosigner ) cosigned on. My grandfather explained that the debtor is XXXX and to not call again. XXXX XXXX XXXX XXXX advised him that they would put a claim in with the estate for the debt to be paid. My grandfather explained at that time that there is no estate. OnXX/XX/XXXX, two letters were received in the mail from XXXX XXXX XXXX asking for the representative, executor or attorney who is handling the XXXX estate. 

One letter is for the collection of the private student loan that Navient states interest only payments are due while I 'm in school, and the other is for another student loan that is in deferment until XX/XX/XXXX. I see a couple of unethical issues with Navients business practices. 

1. As the primary account holder on these loans, I have not received any correspondence from Navient indicating that my accounts that are in deferment where going to collections? 
2. Why is Navient sending in school deferment loans to collections?

3. Harrasing a XXXX spouse after being told there is no estate and being sent a copy of the XXXX  XXXX. 
4. I am a single mother and have repeatedly have tried to with Navient on repayment plans and in school deferments. Navient has received my monthly income and debts, and has acknowledged that I am negative after my daily living expenses and debts are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello. In XXXX XXXX my property was refinanced and appraised for {$130000.00}. Mortgage company XXXX XXXX Mortgage XXXX. 

Now, I 'm going to sell the property and find out the property is worth $ XXXX. The property values in the area went up / remained steady since XXXX. I think the appraisal was inflated to get the refinance through. 

What recourse do I have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: AL
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
They have called my work and all my reference after being told not to and they told where they were from and we are working with a debt consolidation and they just out of the blue on XX/XX/2019 said if you are working with a debt reduction consolidation company we dont work with them so pay your bill. I did not mention nothing about that. They call four or five times a day to my cell and call my references and give name and company. That is against the law for people to know my info. They threatened me that I better pay or else. It started day one after late and now its ten days later and they are still doing it. My husband has account there to and they do him the same way but he is not late yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My records associated with the account MERCHANTS CREDIT GUIDE do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to MERCHANTS CREDIT GUIDE but I did not receive what I asked and these violations persist on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied to refinance the XXXX trust deed on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX today off loan XXXX for XXXX interest only. In connection with that a payoff demand was made XXXX XXXX which a CSR for BSI Financial Services confirmed was prepared by telephone on about XXXX XXXX XXXX. The lender states they did not receive the payoff request. Two other payoff requests were made on XXXX XXXX and XXXX XXXX again BSI verifies occurred but the lender states they did not receive. I asked for a copy to be sent to me. On XXXX XXXX I received a copy of a payoff demand letter from XXXX XXXX money lending who states that collect for BSI The amount they claim due is XXXX good through XXXX/XXXX/XXXX. On Friday XXXX XXXX I received a letter dated XXXX XXXX XXXX from BSI stating if I do not pay off the loan by XXXX/XXXX/XXXX they will issue a XXXX XXXX late fee of XXXX. My two lenders I am working with blew a gasket saying they have never seen such a thing. Furthermore the demand is inconsistent with the written correspondence and I believe constitutes mail fraud. And probably other crimes and offences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a credit card account on my credit reports that does not belong to me. I disputed the account with the credit bureaus and it came back " verified ''. I then sent them a letter on XXXX XXXX, XXXX ( please see attached ) requesting validation of this account and they responded with XXXX letters saying that they could not provide the information I requested ( please see the attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC systems contacted me once about an alleged bill with some tv company. I know this debt is not mine, they may have me confused with my ex wife, so I explained this debt was not mine and asked for validation of this debt through a letter. No debt validation was sent nor any proof this debt as being mine. I now have this collection showing on my credit files which is completely unacceptable. This collection must be removed from my credit files immediately. IC systems has a poor BBB rating, multiple complaints for illegal and harassing collection tactics, and is listed on watch lists monitoring fraudulent and scam debt collection. I will be filing a complaint with the BBB and state attorney general 's office immediately as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was trying to rent an RV on the website RVShare. I originally found an RV but the owner had put in the description that I had to contact them on XXXX before booking to see if my dates were available. I contacted the owner 's XXXX number XXXX. The person XXXX XXXX aka XXXX XXXX wrote that the RV I wanted was not available. XXXX suggested some other RV 's that were available. XXXX wrote that if I booked that night they could give me a discount. I wrote OK. They sent me a link to start the process. I opened the link. It looked like the XXXX site but now I realize that it was fake. When I tried to pay for the booking on that site my bank debit card was declined. I informed XXXX of the problem. XXXX states that I could use XXXX. I told XXXX that I don't have XXXX. XXXX suggested that I use XXXX or XXXX. I said I could try to use XXXX. XXXX stated that XXXX was going to charge too high of a fee and I should get the XXXX app and do it that way. XXXX gave me the email XXXX to send the money to by XXXX. I obtained a XXXX account through my checking account at Chase Bank. I sent the money in 3 payments. After the first 2 payments ( {$2000.00} and {$120.00} ) were made, I received an agreement to sign from the email XXXX. The agreement stated that I need to send {$1000.00} to purchase insurance for the RV. I eventually sent the {$1000.00} by XXXX to XXXX. XXXX stated that she was wrong and the correct email for the insurance payment should be XXXX. XXXX suggested that I have the bank cancel the previous {$1000.00} payment and I send he {$1000.00} to the correct email by XXXX. I told XXXX that the bank has already sent that money and I could not cancel it. At this point, XXXX has told me they are trying to sort it out. I have not received the agreement back with their signature. I am now convinced that this is a fraud. I found the business address XXXX XXXX XXXX, XXXX, CT XXXX on XXXX. It is a vacant house for sale on XXXX. 
I also called the # ( XXXX ) XXXX on XX/XX/2022 at XXXXXXXX XXXX and a person with a deep voice answered. I asked who he was and he answer " you called me ''. I told him I was looking for XXXX XXXX  to rent an RV. He told me to contact him on XXXX. I asked him if he was XXXX. He said yes. It appears that these scammers have several RV listed on the RVshare website with the same instructions to get in contact with them by XXXX or Text before booking. ( Same # XXXX and use the name XXXX XXXX XXXX I have copies of the emails, the XXXX chats, the agreement, bank receipts that I can forward to you. I have been in touch with RVshare and they said there was nothing they could do. I have been in touch with my bank which is Chase and they have informed me that there is nothing they can do and the matter is considered resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair Credit Reporting Act XXXX  these accounts listed above has violated my rights. 

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 statees a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was contacted by a man named XXXX who claimed he was with XXXX XXXX, and that if I did not pay the bill immediately, electricity would be shut off within an hour. My husband had all of our bills in his name and passed away XX/XX/XXXX. I have had difficulty capturing all of bills and assumed I had missed one. He proceeded to walk me thru the Wells Fargo app to make the past due payment via XXXX. The first amount was XXXX. XXXX then claimed that it did not go thru and sometimes their system rejects payments with any cent value at the end and had me try again with the flat amount of XXXX. He then claimed that also did not go thru and now had me enter another transfer for the amount of both transactions ( I was in my car and did not check his calculations ) stating this is how they would be able to refund me the payments that hadn't gone thru since it was showing as pending from my checking account, in the amount of XXXX. That also 'did not go thru '. 

At this time I was transferred to a 'supervisor ' who proceeded to have me follow the same steps. The amounts were an additional XXXX, XXXX, and XXXX equaling a total of {$3400.00}. They assured me that all of the money would balance out because they were not 'posted ' transactions and all of the extra charges would drop off. 

I happened to be driving my Husbands ashes home while this all took place. I got home and looked thru our bills and we dont even have XXXX ( which is for houses/gas ) and actually have XXXX XXXX for our electricity. I immediately called Wells Fargo and filed a claim on all all 6 transactions. I was given a provisional credit for the total amount while they processed and investigated the claim. On Wednesday XX/XX/XXXX I received a letter from Wells Fargo stating that they are denying the claim due to me logging in to the Wells Fargo app via biometrics and making the transactions myself. 

I called WellsFargo to dispute the denial and they stated the claim decision was final. I contacted my Lawyer who suggested the MN Attorney General, and they pointed me to the Federal Trade Commission where I did file a complaint ( Confirmation # 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 2019-10-21
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my PNC Bank account on XX/XX/2018 and 2 employees both told me in person that everything was good and my account would close out i didnt need to do anything but a few days ago i get a bill from a debt collector stating i owe XXXX and i never got any letters or anything from pnc which of course she claims she sent many of them. She wouldnt listen to me on the phone and if i owoed money from 2 months before i closed my account why wasnt i notified of this when closing said account? doesnt make any sense to me but it should be employee error not mine. This has been a year ago also so why am i just now being notified after that amount of time, to me its just weird and doesnt make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my Debt and I'm falsely accused of debt on my social security credit report. 
XX/XX/2020 ( 1 mo ) {$340.00} and another one for {$310.00} Original Creditor Name XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Mr. Cooper on XXXX and asked about getting the account set up on draft because it is difficult for me to make my full payment all at once. The representative told me that I had to get the account caught up before doing that, but she would email me the form. I told the rep that I would pay XXXX and XXXX payments to get the account caught up ; she said they should draft in XXXX. We both reviewed the calendar and discussed the draft beginning on XX/XX/XXXX. This was all spoken on a recorded call. Today, XX/XX/XXXX, I called Mr. Cooper, and the representative told me that the account wasn't set up on a draft because my account is not paid ahead ; the account is due for XXXX. I explained that when I submitted the form, the account was scheduled for XXXX, and I was paid ahead, but they sat on my request and didn't process it, and now they expect me to pay two more payments ahead to set the draft up for XXXX. The rep claimed that I had to make my payments prior to the XXXX and that was never told to me during my initial call. How is that fair? They never communicated that they couldn't set the account up for the draft. This is predatory and deceptive practice because I did exactly what I was told, and now I am forced to use bill pay for my bank and will be charged a late fee each month. This matter needs to be investigated. Why can't Mr. Cooper set the account up on draft as they stated in the recorded conversation? I was advised incorrectly by their staff and am now penalized by this company knowing I am trying to pay my mortgage on time, and they keep changing the rules to assist me better. They should have listened to the recording and honored what I was told. They also need to communicate better, especially when people lose their homes and struggle to keep a roof over their heads. I scheduled my half payment to be sent by my bank today and will send them a half payment each month so they will get a full payment each month, but I will also be charged a late fee every time. This is not fair. Again, this practice is predatory and deceptive.

Company response to consumer: Closed with explanation