BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: Navient Solutions, LLC.
State: WA
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:
1 year ago I was approved for a income based repayment plan on my old student loans through navient. Navient informed me my payment was {$0.00} for the next year. Since this time I have been paying {$10.00} on my accounts and my balance has gone up alittle bit every month. At NO time did they ever state I had to pay my interest or late fees of any kind. I found out that the {$10.00} is old late fees that they never informed me I had. When I called them today to figure out why this was they told me that the late fees are from XXXX of 2016 and that I was behind on paying my interest. The person I talked to was not very nice over the phone and when I requested someone to help resolve this issue got transfered to the main line with a 30 min hold time. I requested a call back again and when they did I was put on hold again for a long period of time before I had to hang up do to other business I needed to take care of. I feel navient misinformed me through this process and did not disclose all the information needed so they could collect illegal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I applied for an auto loan and pulled my credit report to my surprise my score was lower than I expected. When I looked to see what was going on, I noticed items on my report that aren't suppose to be there. A police report for fraud and FTC contact has been previously established prior to contacting you all. Please delete these items as soon as possible : 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 2018-06-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was alerted to fraudulent charges made to my Chase credit card account in XX/XX/XXXX. Later that month, I discovered additional charges made to XXXX that I had not made and identified were connected to the additional fraud attempts on my card. I notified Chase and they removed the charges. 

In XX/XX/XXXX, I noted that the charges had been rebilled to my account. I reached out to Chase who asked that I contact XXXX/provide screenshots of my purchase history. I forwarded an email from XXXX confirming that I had not made a purchase from their site since XX/XX/XXXX. 

There were five charges made : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX I was contacted by Chase on XX/XX/XXXX who indicated that this was not sufficient evidence that I had not made these charges and my dispute was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2019-05-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I payed for a service that I did not receive. {$70.00} XX/XX/XXXX to someone named XXXX with the email XXXX thru my XXXX XXXX XXXX app that uses XXXX. He told me the next day ( XX/XX/XXXX ) that he did not receive it and if I wanted I could resend him the money so he could start and that when it comes in he would send me my money back. Therefor I sent him {$70.00} again XX/XX/XXXX after which I did not get the service and was no longer able to contact him. I then went thru XXXX XXXX XXXX to  get the money back in which I was informed that they could not get the money back and that there was no fraud protection for me. They did infomed me that they would try to get the money back by contacting the other persons bank, Chase. There was no warning or disclaimer that this could happen as such I believed that my bank ( XXXX XXXX XXXX ) and XXXX ( since my bank was backing them ) would provide basic protections just like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
Received a call on XX/XX/2019 XXXX Eastern Time with caller id " Suspected Spam XXXX ''. The XXXX male calling asked for my name and I asked him who he was. He told me only his name ( which I do not recall ) & I told him that I did not know him, then he told me that he was from Portfolio Recovery. The call has a warning that it was being recorded. He asked if I was XXXX XXXX and I said yes and added that is a common name. He gave me a month & day of a birthday and asked me if it was my birthday ; it wasn't and I said, " No ''. He gave the last 4 digits of a social security # to see if it was mine ; it wasn't so I said, " No ''. He gave me a street number and asked me if that was the street that I lived on, it wasn't and I said, " No ''. He responded as if he was satisfied with my responses. 

In the past 4 or 5 years I have received numerous calls, mostly robocalls, from Portfolio Recovery and they keep calling. They had expected me to give them my name without their showing that they were looking for somebody with my name. I should have the right not to give my name to a caller. I know it is not me because my credit is fine. 

They should stop calling me because I am definitely not the person that they are looking for. I should not pay the consequences of harassment for somebody else 's debt. If they can not find the right person that is their problem, not mine. They should also identify themselves accurately on the caller id. 

It seemed like the caller today was satisfied with my responses, but something similar has happened a few years ago and they have continued to call me all this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: The Leviton Law Firm, Ltd.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In approx XX/XX/XXXX I had a credit card processing machine from XXXX that had not been working properly for several months. We spent several days and many hours on the phone with our sales rep and technicians of the company XXXX to get it to work correctly. We were not able to swipe cards for charges. We were only able to manually key in the information which in turn is billed at a higher rate. We cancelled the machine and sent it back to XXXX because our contact had expired. XXXX immediately turned us over to collections with The Leviton Law Firm Ltd. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. I have had 2 phone conversations with the company. One conversation was reportedly not recorded. I called them to ask them for an email address I could send information to and she took my email address at that time. That was several months ago. I can retrieve the phone logs for an exact date. I called again XX/XX/XXXX and spoke to a XXXX XXXX of the collection firm and the phone call immediately turned nasty. I told him I called previously a few months back and spoke with a woman about this bill from XXXX that they were attempting to collect and he argued with me and told me I had never called. This information was false and I advised him of this. He again stated that I never called. I told him I wasn't going to argue this with him and asked for an email address I could send correspondence to. He just became difficult to deal with by talking over me and being sarcastic. I asked him several times for an email address because I would not have a conversation with him over the phone over this. He laughed and stated he didn't care if I got an email address but would still not provide it. He stated that they have made several calls to me but I have never returned the calls. I have never received any call from any one identifying themselves as collections or any on from The Leviton Law Firm Ltd. I ended up just hanging up because I felt he was trying to provoke me with his behavior. I do not owe a bill to XXXX and do not have any way of notifying this collection agency of the situation because no one will listen to what I have to say. What do I do now? I don't owe money to XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ne XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX : CITI PREMIER CARD ending in XXXX The benefits promoted before enrollment sound great. Honoring a claim, not so much. The trip cancellation benefit is promoted as giving refund if one can not take the trip due to sickness. What is not made clkeare is that, effectively, there is NO coverage in most cases. To wit : My reply from XXXX XXXX of XXXX XXXX says " any incident/event that occurred prior to the trip being booked are not covered ''. That makes NO COVERAGE the likely result of a claim. 

I feel that this is a SCAM. I would never have taken the card for this purpose has I known there was such a NARROW definition of coverage. I tried to read the " small print '' and did not pick up on this language. 

I submit that the promotion and method of dealing with claims results in false advertising, misleading advertising and scam. I would expect no less from CITI BANK but was not aware of this problem at the time. I believe that XXXX and XXXX XXXX are willfully bilking the public and request whatever powers you may have to stop this SCAM and reimburse me as advertised

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 2019-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX ; XXXX, XXXX, one more These are the last digits of my credit card numbers that were opened up by my ex-girlfriend from years ago. My ex opened a multitude of cards in my name and ran up debt in my name. The four cards had high charges on them and the debt kept getting higher and higher. 

I informed Capitol One of these issues by phone and letter on multiple occasions in XXXX XXXX. I called and wrote letters and provided a then report of identity theft that was filed through the Federal Government Identity Theft Site that detailed what happened. I offered documentation and spoke to them about it. While I informed them of this, nothing really happened. Capital One did not initiate Fraud investigations or anything into my account. I told them I was making minimum payments until it was all figured out. I even came up with a solution that allowed for me to possibly come to an agreement with the company to settle the debt and close the accounts out by paying a certain amount through a negotiated fee, even though it wasn't fair that I was paying on something that was NOT my opening or my fault. I even asked that Capital One provide me with the signature or documents in which I " supposedly applied for all four credit cards, and they did not. 

Instead, Capital One sent me a big document in which they rudely tried to intimidate and overpower me and ignored my calls for fraudulent issues, not even acknowledging the issues about it. 

I couldn't pay for the credit cards and they charged off on my credit unfairly, especially without providing me with Fraudulent Protections. It was intimidating and awful and horrible experience and even when I tried a negotiation, they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Received a forced placed insurance notice on my home from LoanCare, stating that I did not have homeowners insurance, while at the same time getting a bill from my Homeowners insurance company saying that it was not paid. I have an escrow accout. I contacted my homeowner 's insurance as to why I would receive a bill and why did my mortgage server not pay it, they told me they sent it out for payment back in XX/XX/2021 and never received it. The homeowner 's insurance contacted LoanCare directly and was told that they don't accept any payment requests through the mail. and that it has to be electronic so that's why it was not paid. thus, making them send out a notice for forced place insurance. The homeowner 's Insurance company told them that I have insurance and this should have never happened and payment needs to be made asap. Loan Care stated that they would put a stop to the forced placed insurance and send out payment within a week. They never did, and I just received ANOTHER forced placed insurance notice stating that I will need to pay over XXXX because I have no homeowners insurance, This makes me sick that not only have I contacted them, but my homeowner 's Insurance company has also reached out to them for payment and they have not paid, leaving me with fraud when this should have never even happened, its fraud, true fraud, And LoanCare should not be able to get away with this, The stress this has put on my is overwhelming and the moment they place forced placed insurance due to their own lack of following the laws for processing/servicing a loan. I will be using them for the stress and causing me to lose homeowners insurance due to them NOT paying, ( mind you, this is XXXX XXXX XXXX for XXXX families, my father has been with them for years he is a military veteran ) My family should not lose our good stating with them because LoanCare and its servicing company will not pay bills like they are required by law. RESPA REG X SEC 6, This is the last chance I have to get LoanCare to do their job and stop the illegal practices. XXXX XXXX, XXXX is the current servers for LoanCare that I have found, if this is true then 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 2021-08-05
Company: MidAmerica Mortgage Inc
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I currently have a XXXX XXXX loan serviced by XXXX lending / aka mid america mortgage. We completed a refinance of our loan through this lender/provider in XXXX of XXXX. We received an amortization schedule for the loan that revealed the removal of the annual premium ( essentially the PMI ) on a date of XX/XX/XXXX. The reason the premium fell off at that time is because the rules for the calculation of the LTV on a Section XXXX loan are simple. As stated in the federal register : " This annual premium will continue until the unpaid principal balance, excluding the upfront loan guarantee fee, reaches 78 % of the lower of the initial sales price or appraisal value based on the initial amortization schedule. '' This was a refinance so there was no initial sales price associated with the loan so the basis of the LTV was against the appraisal " excluding the upfront loan guarantee fee '' that was paid when we closed on the loan. 

XXXX/mid america continues to state that our LTV is calculated based on the remaining principal balance divided by the appraisal value provided during the refinance. 

However the calculation should be the remaining principal balance, excluding the upfront loan guarantee divided by the appraisal value provided during the refinance. 

We even have an amortization schedule that was included in the closing documents that validates this threshold value XXXX the one that excludes the upfront loan guarantee fee that we paid XXXX. Despite presenting this evidence to their escrow department we received the following email from them : " Hi, We have received confirmation regarding the information in removing the PMI. The correct amortization schedule is from section XXXX. I have attached the amortization schedule showing the XXXX ( 77.9 % ) is on XX/XX/XXXX. 
Thanks Escrow '' Not surprisingly, nothing was attached to their email response. 

The math is simple ( per my attached documentation ). The original principal balance - {$360000.00} MINUS the loan guarantee paid upfront ( {$5400.00} ) / the original value of the appraisal of {$450000.00} is how the threshold value for the premium drop-off should be calculated.

This is my 2nd complaint with this organization ; I am unable to contact their escrow department in any other way other than email ( which is ridiculous ) and their inability to explain their bizarre servicing of my loan is extremely suspect at best. I suppose we don't have a lot of options when it comes to groups that provide Section XXXX loans but the ability to have a conversation around details like this are pretty basic things in my opinion and limiting the ability to communicate to only email is unprofessional and disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Recently while defrosting my credit to apply for loan for a land loan my credit was breached by someone opening a checking account and depositing XXXX in my account XX/XX/XXXX which was done with my address and social security number with PENFED CREDIT UNION. This was not me. 

Thank you for help and assistance to secure and protect me as a consumer.

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 2015-08-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
previous complaint XXXXXXXXplease see supporting documents proving that my lease was not only paid on time, but early every month. the NMAC " XXXX '' system failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please reference the letter that I am uploading. I sent this letter to XXXX and Trans Union on XX/XX/XXXX. They were supposed to investigate the errors and respond within 30 days.

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 2019-05-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I moved out of my apartment complex ( XXXX XXXX ) in XXXX, XXXX to XXXX XXXX. At the time when I moved out XXXX   XXXX management said I was paid up. 2-3 weeks later I got a {$220.00} bill owed to XXXX  XXXX. I mailed them a check in XXXX XXXX for that amount. 
XXXX XXXX has changed ownership several times. 
In XXXX I got several calls from Genesis Credit Management attempting to collect the {$220.00}. I emailed them a copy of the front and back of the check showing that it had cleared my bank account. They accepted my evidence and said thank you. 

XX/XX/XXXX-XX/XX/XXXX Genesis is calling me again for the same reason!! I talked to XXXX the manager and he admitted they still hadn't received a response from XXXX XXXX about the payment. Then why do you keep calling me!? I asked. I've proven my side of things. 

They are harassing me for something I already paid and it needs to STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax has failed to remove 2 hard inquiries on my credit report. Even though both companies have admitted to Equifax that they were fraudulent. 
XXXX and XXXX have admitted the problem and both have said they have contacted Equifax to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Between Monday XX/XX/2020and XX/XX/2020there has been 3 transactions totaling {$70.00} sent from my account that was not authorized I contacted the cash app company to get my money back and they where no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I attempted to make a transaction for XXXX through the XXXX link attached to my bank account ... When I alerted the bank of suspension of fraud because the Original contact person name did not match the bank information associated with the phone number linked to the account. I was told even though the XXXX is linked to the account they would not be responsible for the transaction which is misleading considering its associated with an institution whos standards are morally ethnical..

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