BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered a program with Chase mortgage, a loan forbearance program due to the hurricane, where I would skip a few monthly mortgage payments and they will add those payments to the back of the loan. Chase send me mortgage contact that says I had to sign and return to them saying that I owe 6 months mortgage payments, that is false, I owe them 5 months. I called them and they confirmed that it was indeed 5 but they are withholding my last mortgage payment until I sign and return the new mortgage contract and that's why it shows 6 and not 5. They are hijacking one of my payments until a sign a fraudulent document. They will not send me a new document, and told me not to contact the authorities. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
At the end of XXXX, I applied for borrowers defense. As a result, Navient put the administrative hold on my account for forbearance. I then received notification online in XXXX that I had to update my IBR information or risk losing my IBR status. I sent this information on XXXX XXXX via fax and online through the government website beginning of XXXX. I received 4 emails stating they needed more information then an email stating my payment was going back to the 10 year amount, that was XXXX XXXX, well after my application. I then called concerned thinking the IBR would go into affect after the forbearance is complete if it is not extended due to processing the borrowers defense. The person I talked to says the emails were in error and I was good to go. He does not tell me i can wait until after the forebearance to apply or verify that i know my payments will be due again in XXXX. Basically, they sent me emails to get me to call them so they can expedite the process, remove the forebearance, and start getting money from me again. The next day, they process the IBR, remove my forbearance and state I have an increased payment due in XXXX weeks. I call them and speak for an hour and a half being told my loans are not federal loans that they are commercial, told that I really have no option unless I want interest to capitalize by doing a regular forbearance, told that they ca n't give me back the courtesy forbearance because my loans do n't qualify even though they were in forbearance for months before that for the same reason. Basically told that i can choose to go into default and not given on viable option besides make the payment. This is a shady company that does everything it can to XXXX over student loan borrowers. The woman on the phone even told me my payments are XXXX and my statement clearly says XXXX. More lies. This organization also capitalized all my interest when they took the loan over from XXXX years ago and I have yet to get an explanation as to why. When I ask, I literally just get ignored with no response. Meanwhile, my graduate school loans are in the same deferment and XXXX XXXX sent me XXXX email stating they got my IBR information, they will process it when the forebearance is complete and ensure that I am taken care of. NAVIENT SHOULD NOT BE SERVICING ANY LOANS EVER! THEY ARE SHADY AND I WOULD IMAGINE DOING ILLEGAL PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company has filed multiple false and misleading affidavits in a lawsuit involving consumer. Specifically, affidavits involving affiants XXXX XXXX and XXXX XXXX. This is in violation of XXXX 's recent 2023 agreement with the CFPB and the FDCPA. 

PRAs response to prior complaint by this consumer did not properly address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: KY
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:
Submitted dispute to Equifax more than 60 days ago and have not received an update. 
1.XXXXl XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX  XXXX 4.XXXX XXXX XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed the credit card inXXXX. I just closed the checking account to end my relationship with Truist. The credit card showed up on my account. I have made several attempts to have the account closed over the last 60 days. The representatives state that a manager will have to close the account. The account never closes.

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 2018-12-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We went to three different lawyers who told us that we could receive a loan modification. 
We were not behind on our payments when we went to the first lawyer. After paying over {$15000.00}. the lawyer could not be found and his office closed. The Second lawyer reassured us that they could get an approval and they tried to get us to do a short sale and sell to an investor. The third lawyer listed in this complaint is the one who has filed a a bankruptcy to stop the sale of our property. The mistakes that were made because of the advice of the attorneys. We are employed have steady jobs pay our taxes and we want to keep our home. 
We tried to speak to Bayview to work with them, but they put a sale date on our home. 
We want to work directly with Bayview. 
Please help us. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: GLOBAL CREDIT UNION
State: AK
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was trying to apply for a personal loan found a loan company XXXX XXXX. They sent me documents through docusign and things looked legitimate. Then XXXX XXXX starting asking to go to XXXX and purchase XXXX XXXX. 
On XXXX/XXXX/2033 XXXX {$490.00} XXXX {$460.00} XXXX {$460.00} So I did the purchases. Then next day he asked to get XXXX more for {$500.00} when I went to XXXX to do the purchase I was told I can only purchase XXXX a day. Well XXXX allowed me to purchase XXXX. So thinking something wasnt right I called my bank and they believed it to be a scam. I closed down that account open a new one, but was told by Global Credit Union that I owed them around {$3000.00}. I checked all the cards balances all but one was already at a XXXX balance. I cant transfer monies from the card to the bank so it no use to the back. How can I get my monies back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I applied with USAA and multiple other loan providers for a personal line of credit. The loan needed to be approved, and I chose a different lender. My credit report reflects a perpetual inquiry of my credit by USAA from the date of the investigation, XX/XX/XXXX, until XX/XX/XXXX, adversely affecting my credit report. I did not consent to my credit being pulled beyond the initial inquiry date in XX/XX/XXXX. In XXXX I contacted USAA multiple times, asking for this error to be corrected. USAA has failed to contact me and address my concerns and did not notify me in writing of the process that was taking place, nor did they forward appeal policies and procedures that I am entitled to as a consumer. None of the other lenders I applied for credit within XXXX left an inquiry on my report until XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.

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 2023-11-04
Company: Comerica
State: PA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Around the XXXX XXXX of XXXX I attempted to make a withdrawal when received a error message that my account was no longer valid. This drew a red flag because my card was still good until XXXX of XXXX XXXX XXXX XXXX. I immediately called Direct Express and was advised to get a new card. Upon receipt of the card I was requested to submit proofs of identification which I submitted only to have them declined over XXXX over again without explanation. This left without access to a substantial amount of money placing me in financial hardship XXXX XXXX XXXX dollars to be exact

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the second complaint Ive done, and the the first complaint Shellpoint Claims to not recognize me as a customer ( This complaint lists someone the company does not recognize as their customer or their customers authorized representative. ) complaint ID # XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Struggling to pay mortgage They were sold my mortgage by another company and I have not had the opportunity to verify any information for accuracy, the loan was originally started in XXXX by XXXX XXXX loans, then XXXX XXXX XXXX, and has continued to have gotten sold and Shellpoint has foreclosed it. 

Its obvious they practice doing this because they have tons on complaints ; I will continue making complaints until I am heard. ShellPoint LLC is company that should not be in business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be corrected and deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be discarded right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been disputing inaccuracies on my credit report with XXXX for over a year now. I know that they have not looked at my disputes and completed a thorough investigation because I've even sent letters highlighting reporting inaccuracies and they still failed to remove these accounts. They have had more than enough time to do their due diligence when it comes to these accounts. 

My first letter sent dates back to XX/XX/2021. Furthermore, I recently came across an article published by the CFPB that states that credit reporting agencies have inaccurately been tossing out consumer complaints. I just want my credit report fixed so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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: Credit inquiries on your report that you don't recognize

Complaint:
These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial XXXX XXXX required to purchase a home. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX LICENSE PLATE # XXXX ( TX ) XXXX XXXX ACCOUNT NUMBER # XXXX XXXX  ACCOUNT NUMBER # XXXX XXXX XXXX # XXXX XXXX  # XXXX STATEMENT XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681C. ( a ) 5 Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Security Credit Services, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have dispute a debt with Security Cred regarding account # XXXX and told this company that this debt is no mind and ask them to send me a debt validation and a sign contract. To no avail, I haven't received any correndence. They address that they have is wrong. I received an email from them with an address that I have never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX acct # XXXX {$530.00} reporting as open account and collection account, XXXX XXXX XXXX, acct # XXXX {$750.00} reporting as open and collections account. XXXX XXXX XXXX acct # XXXX {$470.00}, XXXX XXXX XXXX acct # XXXX $ XXXX acct XXXX XXXX {$500.00}, XXXX XXXX XXXX acct XXXX XXXX {$470.00}, reporting as open and collection account., XXXX XXXX XXXX  acct # XXXX {$390.00}, According to law 15 US Code 1681-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30- day period beginning on the which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not ask to have alleged debt verified, or said debt. XXXX is reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which XXXX include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that XXXX defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under XXXX XXXX civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Well to be honest. This happened around XXXX at Amscot. I applied for a payday loan for {$400.00}. At that time I was in a financial dump and crisis and I couldnt pay them back. I couldnt at that time. And I explained that to them. Time pass and i totally forgot about them. I really did. Obviously I didnt t need a loan anymore. So now its XXXX. I been trying online to apply for a loan and I keep getting denied and I was trying figure why, and I called XXXX XXXX and they informed me who is keeping me from getting approved. So my issues is that it shouldve been removed by now correct. Its over six years and I feel personally it should be removed off. And let me start over fresh and with new start. Its not the fact that I dont want to pay them cause I cant. The fact is I want it removed off my record due it pass the time frame. The Florida law states 6 years and its removed off. I Just need second chance. Please help to resolve issue. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CASHCALL, INC.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I keep getting threatening call from XXXX ( XXXX XXXX XXXX ) Mediation Company, claiming that they are going to call my employer and get me fire, freeze my bank accounts and send a cop to my home to arrest me for some bad debt from 2012. 

They claim that they are filling a law suit in XXXX, New York and New Jersey and this will affect my employment. 

I asked them to stop calling me repeatedly and they keep robo calling me with the same message and when I do speak to someone they are very nasty on the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Resurgent Capital Services L.P.
State: AZ
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:
This is a follow up to a previous complaint. A debt collection company LVNV funding has been unwilling or unable to provide a full, itemized notice of debt. I have tried to use their internal dispute process to get this information with no success. I then contacted XXXX XXXX to dispute the debt due to LVNV being unable to provide an itemized notice of debt. XXXX XXXX closed each dispute after LVNV said it was valid, still unable to produce any documentation with an itemized explanation of the debt. XXXX XXXX then directed me here to complete a complaint. This was also just closed after LVNV responded with a letter, but still no itemized listed of the debt. XXXX XXXX is aware that the required documentation has not been provided yet will not remove the remark from my credit report as XXXX did.

Company response to consumer: Closed with explanation