BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off my car in XXXX with Citizens Bank. I have yet to recieve a release form so I can go to Secretary of State. I called XX/XX/XXXX and again XX/XX/XXXX. I've also called today. The first call in XXXX said they would mail a title. The call in XXXX said based off my state that's impossible and that it would take 10 to 14 days. Now it's XXXX and still no release of title form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Navient Solutions, LLC.
State: FL
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:
I continue to have issues with how payments are handled. I voiced my corncerns with how rude the reps are are a spoke with a supervisor today bythe name of XXXX. They expect you to know what they are talking about when you dont work at the company. I have made several lymph fum payments on my loans due to the fact that I have not consolidating them. On the website it states Congress sets interest rates however if I go into auto pay with them or will lower my interest rate. The information they provide is misleading I have made several lump sum payments I only once this year applied for forbearance today would have been my second time after speak iui mg with XXXX who was supposed to be a supervisor I voice my concerns with her as well once i said i would put in a complaint is when her tone changed. When I make my payments it states to postpone payment implaying due to over payment that anything due will not show as past due ... so in paying of my loans my amount due each much rises though I am in no payment plan you would think the more I pay off the lower my monthly payment would be however the opposite applies. Also when making over payments with the option I select it automatically places you I forbearance when it doesn't explicitly state that ad an option. I am not happy with the loan servicers. They have stolen my money over the years they have been my servicer enough is enough I am getting a lawyer involved. I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage because of this covid global pandemic in XXXX of XXXX. I have applied for assistance twice and am not getting the proper answers to my questions from my mortgage company. The reasons per Fay as to why I don't qualify are as follows : 1. REPAY PLAN - INCOME IS INSUFFICIENT 2. DEFERMENT - INVESTOR DOES NOT PARTICIPATE IN THE PROGRAM ( XXXX XXXX ) 3. MODIFICATION - BASED ON INCOME, INCOME IS NOT SUFFICIENT, DEFICIT Problem # 1 - XXXX XXXX 's website clearly states that they offer deferments after a forbearance for their borrowers. Why am I not a candidate if XXXX XXXX has hired Fay to service my loan and XXXX XXXX is offering it to loans that they service? This question could not be answered by Fay Problem # 2 - I have a surplus income after my mortgage and bills are paid, THANK XXXX, not a deficit. My three month average for self employment income from XXXX was gross {$3500.00} and net was {$3000.00} but today I was told that the underwriter 's final net income was calculated at {$2200.00}, that is a difference of {$760.00}. When I asked why 25 % of my take home income was deducted by their office, the answer was " I don't know that's what the letter shows '', when I asked who I can speak with to get clarity as to why that much is taken out of my pay, the answer was " No one, we treat every homeowner the same ''. That is the strangest response and for me being a XXXX and minority in this county, I now am positive that I am being discriminated against. Really, you take off 25 % of everyones self employment income which then causes them not to be qualified for help? XXXX XXXX self employment tax is only 15.3 % so where is the 9.7 % difference that Fay 's underwriter is taking from my pay, coming from?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: PINNACLE RECOVERY, INC.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX  used tactics that was not ethical when selling their product. It was a timeshare presentation that was supposed to be 90mins and we were in there for at least 6 hours. After we wanted to leave they called a manager out to sweeten the deal. After purchasing the timeshare things that were told to us was complete lies. I've tried to ask them about things promised to us and never gotten a solid response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - CBNA - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ERC XXXX} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious ERC I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX 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 2017-10-07
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: Account status incorrect

Complaint:
On XXXX XXXX, XXXX - 3 Certified Letters were sent to all 3 credit bureaus ( XXXX XXXX and Transunion ). The letters included a handwritten letter explaining the debt and account information being incorrect and a copy of my identity. This item needs to be removed as soon as possible. As of today, XXXX XXXX, XXXX I have not received a response from XXXX or Transunion. 

Original Debtor : XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$390.00} Settlement Paid : {$190.00} Paid on : XXXX/XXXX/XXXX Please attachments-

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 2019-07-01
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, i signed a contract with Ally Financial for an auto loan. I began the first {$570.00} payment on the loan XX/XX/XXXX. The first 5 years of the loan i made payments on time every month, never late. Last year i had to change jobs and got about a month behind. In XX/XX/XXXX i started making {$600.00} to catch back up and have since continued to make {$600.00} payment and am now only {$190.00} behind. During the first 5 years of the loan, i made 6 extensions, using those only when i was having financial trouble or was laid off from work. XX/XX/XXXX is the end on the 72 month contract and Ally has now added an addition 24 months to my loan. They claim it is because of unpaid finance charges, the finance charges on the contract where {$16000.00} to date i have paid over {$19000.00} in finance charges. I have contacted Ally and they seem unwilling to fix this issue and comply with the written contact.

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 2021-09-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All three credit agencies are refusing to clean and remove old accounts and derogatory comments from my credit reports and scores as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX XXXX ( acct : XXXX ) is NOT supposed to report ANY late payments on my account ONCE the acct has been DISCHARGED from a BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021, sent a wire for {$30000.00} USD XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it Getting no response about my wire, feels like a scam. I demand my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I WAS INVOLVED IN HURRICANE BACK IN 2012 AND MY HOME INSURANCE COMPANY SENT OUT A CHECK FOR {$5500.00} FOR REPAIRS TO MY HOME AND PUT CHASE BANK-EMC AND MY NAME ON THE CHECK DUE TO THE HOME LOAN I HAD WITH YOUR COMPANY. I HAD TO GET CHASE BANK EMC TO SIGN THE CHECK IN ORDER FOR ME TO CASH IT SO I SIGN THE CHECK MAILED IT TO CHASE BANK EMC AND THE COMPANY KEPT THE CHECK AND NOW I AM SEEKING A FULL REIMBURSEMENT FOR THE CHECK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent stellar to Binance.us 3 months ago. I forgot the memo and was told no problem, 5 days and you'll have it. That was 3 months ago ... I even filed a cfpb and they told you theyw ere in contact with me so you closed it ... They were in contact with me to tell me that my funds would be processed asap, then even told last week, and at the latest, earlier this week, it is now friday and haven't received an email from the last response I sent to them for a week now. I have every email in which they told me it was coming, and even being processed, which in crypto world takes literally an hour tops. This site is scamming us, or has no liquidity to give us our money and we need your help. Do not close this case until my funds are in my account via my indication alone to you. 
# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I hired XXXX XXXX XXXX to contact JPMorganChase on my behalf to do a short sale on my home. On XXXX XXXX, my attorney notified me that Chase wanted another appraisal due to the last XXXX being canceled. I thought that was strange because XXXX people came out to appraise my home. I contacted the last appraiser and she assured me that she submitted all of her documents. I reached out to the customer service rep handling my case with Chase on the same day and she told me she did n't receive the appraiser 's documents. She claimed to have checked again while on the phone with me and insisted that there was no appraisal. On XXXX XXXX, my attorney received a call indicated that Chase wanted about $ XXXX on the purchase price and that the rep said the documents were no uploaded to her. My attorney said they would counteroffer because my buyer offered $ XXXX. I thought everything was going okay. The next thing I knew a letter from Chase arrived on XXXX XXXX, saying the short sale was denied. My attorney called back to Chase and the rep said that the rep said the short sale was declined due to the arrearage of the home. I am totally shocked by this since Chase knew of the arrearage and should have said something months ago. Anyway, on XXXX XXXX, I got a XXXX check from chase with a letter saying that the check is to compensate me for finding an error that could have extending the document collection period during my application for mortgage assistance. I am totally confused. I notified my attorney about the letter but obviously, she did n't get an answer about the letter otherwise she would have told me. I want to know what happened. I have a feeling that this situation explains the denial of the short sale. As of XXXX XXXX, I got a letter from Chase notifying me of my foreclosure on the XXXX. I want to reapply for the short sale and I will be sending in my documents again because I do want to leave the property. But I need answers and I need my foreclosure stopped. In addition, I have another question about the notice sent by the foreclosing attorney. The first line of the letter from them says that the initial communication letter was XXXX XXXX, XXXX. Can they continue to use that date? Because during that time I had this modification going on. Should n't they start over and renotify me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX continues to report to all the credit reporting agencies a medical debt that I do not owe and have refused to validate the debt. They are collecting for some medical company for a period of time that I had XXXX  and that coverage was XXXX XXXX. I could not have had a medical bill during that time. I have told them this and they refused to investigate, validate and remove. I asked them simple questions like what was the date of service and who was the provider and they told me that they did not have the information but they are still reporting this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: AES/PHEAA
State: CA
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:
I was denied PSLF even though I have been a XXXX  for 25 years - also been paying on student loans for 25 years. My servicer changed 3 years ago to Fedloan and they refused to credit my XXXX income driven repayments so I was denied PSLF 3 years ago. I am going to try again but when I apply of course their website says I do not have the XXXX payments. My student loans came to XXXX in XXXX - I began paying. In XXXX, my total is balance is XXXX - I call that servicer fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: Nationwide Credit & Collection, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not owe this debt, I also never received a letter informing me of this debt and the chance to dispute it prior to it be placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent several disputes to XXXX, XXXX and Equifax for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but  XXXX, XXXX and Equifax states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with Equifax. 2.XXXX keep stating XXXX XXXX Credit Card is verified as Open when my dispute clearly states that it is to be charged off  with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: ID Analytics, Inc.
State: OK
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 submitted a request to freeze my consumer file with Sagestream twice and both times i received a letter back stating the information submitted was not verifiable. My state issued drivers license and federal government cac card are on the list of proper identification to send which is what i did.

Company response to consumer: Closed with explanation