BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: FIRST ADVANTAGE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Why hasn't First Advantage contacted XXXX yet to report to them that it's fine to allow me to reapply for the CSR, work @ home positions. I was told that they are waiting for me to do some thing, but I was never told what ... In fact, I have gotten emails requesting me to complete surveys about how they handle the investigation after they closed the case out with you. So, how is it that I needed to do anything. It was never requested. It see, s like they are trying to delay or stop me from being able to reapply for these positions. This is happen right after my XXXX pass the required inspections for the position ... This is all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a member on american express for years and on XX/XX/XXXX my auto-pay for a ridicuolous amount of {$39.00} did not go thru. 
I have been charged late fees and never complained. 
My balance being {$4600.00} on a credit line of {$9000.00} ... Now, on XX/XX/20 american express notifies me via email that due to a missed payment of XXXX $ ( for which i paid XXXX $ of late fees ) ... they have reduced my credit line to {$4700.00}. 
Which leaves me suddenly with an available credit of {$100.00}! 
This is obviously impacting my credit score as well, whereas my card usage was around +50 % and now showing a card usage of around 99 %, due to the unnecessary and unreasonable credit line reduction.

I have called customer service and the credit line dept. gave me 2 options '' 1- pay +XXXX within XX/XX/XXXX. This option will grant the restoration of my credit line to {$9000.00} ... also known as " forced financial extortion ''! 
2- submit documents of my income and MAYBE they will consider REVIEWING THE CREDIT LINE. NO GUARANTEES.

American express more than once overcharged me high interests ( based on a mathematical formula only known to them! ) and never returned the funds.

Now their fraudulent actions are affecting my credit score and everyday life as well. 
This needs action from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made attempts in the past to have a payment plan. I then called XXXX of 2018 to do a income based repayment plan. I filled out the application and included pay stubs as they requested and fax it in. I received a letter stating That they had received my application and documents by mail. I have been waiting since then to get a reply on what happened to the income-based payment plan and received nothing. I called today and the agent on the phone told me that they were only sending me a balance due notices and other notices by mail and that the denial letter was never mailed out to me it was only available online. This seems very fraudulent to me because every other notice was sent by mail other than this one notice. It seems as if Navient Purposefully did not send me that notice by mail. This seems illegal if every other notice was sent by mail other than this. When I asked for a summary of my account to be mailed to me with all the information they refused over the phone. Why would anyone want to pay back loans when it seems like Fraud is involved on the side of the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Item purchased : XXXX XXXX XXXX XXXX Camera + 18-135mm USM + 70-300 USM + 50mm 1.8 II- SAVE BIG Date : XX/XX/2017 On the above date, I placed a {$1600.00} purchase for the items above and upon its arrival, I realized that the order was missing the camera but however beared most to all of the accessories. Thus, I contacted XXXX immediately with hope that they would have been able to resolve the issue at hand and was asked to file a police a report. I filed the police report and received confirmation that they had received the report. After weeks of waiting for a resolution, I decided to dispute the charge with Chase. I was issued a temporary credit and was educated that they would investigate and make a final decision on the temporary credit at a later date. XXXX,2017, the temporary credit was reversed because per chase the merchant provided proof of delivery and that I did not provide the requested police report to the merchant when asked. Two things have confuses me throughout the entire so called chase investigation of the chargeback ; I was never asked to provide any proof that I did file and send the police report, and the fact that they made their decision solely after the seller provided to them proof of delivery when the original claim was not about the item being delivered or not because the item was indeed delivered but instead of all the ordered being in the box only partial of the order was fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Navient Solutions, LLC.
State: OR
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:
Back in 2010 when the Income Based Repayment plan was drafted and approved by the government, I went through a transition in my life ( moving from XXXX  to XXXX  ) and was out of an income in general. My Federal Student Loans granted me the option of IBR based on my situation. After going through the same process with ( formerly Sallie Mae ) I was denied IBR at that time and was told the only option available was forbearance. After seeing the lawsuit taking place against the company in California, it has come to my attention that this is very similar to my situation 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX Transferring {$1500.00} from XXXX, TX to XXXX, XXXX, XXXX. 
Transaction started from XXXX XXXX # XX/XX/XXXX, XXXX XXXX XXXX, XXXX, TX was blocked ( got phone message ). 
Called XXXX number from WU message, operator cancelled transaction without any additional information. Got reference to Terms And Conditions on WU website. Did not find any information on why my transaction was cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my XXXX year old mother and upset her. She started crying uncontrollably They called my brother who work 24 hours straight. They left several messages for me saying they could help with my problem but never left company name. Called my in=laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making extra payments to the principle on my mortgage loan for almost 2 years and as far as I can tell my mortgage servicer ( Seterus Inc. ) had been applying the extra payment to principle ( as I instructed my Mortgage Loan servicer from the start of these extra principle payments ) until sometime at XXXX XXXX of 2017. Starting in XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 I increased the extra payment to principle too {$1100.00} and the mortgage servicer ( Seterus Inc. ) has been misapplying these payments to additional interest instead of principle. I have instructed the servicer every month that they are to apply anything above the normal payment totally to principle, even going so far last month spending hours on the phone talking to an upper customer service manager and she assured me that these past payments and any future payments would be correctly applied to principle. She also instructed me to view a file online for my statement and payment history that would show the corrected amounts applied to principle and any adjustments would be made to my payment and balance history. In viewing the history file for my mortgage I can clearly see that what was promised has not happened. The extra amount that I am paying is a substantial amount {$1100.00} and will add up quickly if this is not corrected quickly. Please help as the company will not give me anyone above this manager that I talked to last month to correct this problem Thanks

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 2020-02-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to inform XXXX that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, XXXX, and Equifax that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from Equifax and they do are not apart of the resolution.

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Justice Finance Company
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am receiving harassing phone calls at my place of employment two days after the due date which is on the XXXX of each month. Approximately early XX/XX/XXXX, I had a setback and was not able to make my payments on time. My payday is only once a month on the XXXX. I spoke with " XXXX '' and she stated she will place the note in the " system '' so they will know. Each month, I still received the same phone calls regarding the late payment and reiterated I was not able to pay until the XXXX. In XX/XX/XXXX, I received a note from my employer that the company left a message for me to contact them. I returned the phone call and requested they do not call my place of employment because of the nature of my job. I spoke with " XXXX ''. She said she would make note to not call me at work. I also mention to " XXXX '' that it should be noted I would make payment on the XXXX as well. She said she did not see the note but would place it in the " system ''. The calls continued for XX/XX/XXXX and XX/XX/XXXX from " XXXX ''. In XX/XX/XXXX, I received a message from my employer that " XXXX '' called me from XXXX XXXX. This is not the creditor however from the number, I recognized it was the XXXX XXXX. I called to speak with " XXXX '' and she was extremely rude, telling me I should be more responsible and professional because of my job title. She said she did not see any messages about not calling my employer or my arrangement to pay on the XXXX and that I did not tell her this information so it did not matter. I stated I should not have to speak with everyone in the office to make the arrangement. Although, it does n't seem to help anyway because you all call and harass me every month. My balance is only {$170.00}. I do n't understand why harass and bully someone for small amounts. I am making this complaint for the harassment I am receiving from this company. Many of my friends and family members who have had business with this company in the past stated that is why they do not take out loans with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: MD
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:
Re : Inability to manage Equifax Freeze I have been trying for multiple days to manage an Equifax Freeze online. I kept getting a message online to call. When I would call I would get a message that said manage freeze online. I finally spoke to an Equifax employee and no matter what I asked all she said was, I am unable to help you, please call again later. 

No explanation saying upgrading server, just try again. And I have been trying since last week. This is for a loan for a car that my credit union only works with Equifax. 

This company, Equifax, has the ability to deeply impact my life, holding onto my information and I have no control over or recourse against. And all they have to say is, try again later. 

Equifax needs to be held accountable. Right now they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX I refinanced my home loan with XXXX. My first payment was due on XX/XX/XXXX, which I paid early to ensure it was effective on XX/XX/XXXX. I was later notified that my mortgage was sold/transfered from XXXX XXXX XXXX XXXX XXXX XXXX ) to Mr. Cooper on XX/XX/XXXX. I don't know the exact date, but in mid XXXX Mr. Copper started showing my mortgage was past due on their website and in letters to me. I called to explain I paid my XX/XX/XXXX payment to The Money Source and asked how I could help get this corrected. I was told there was nothing I needed to do and that there was a 60 day grace period. On XX/XX/XXXX I receive a letter in the mail from Mr. Cooper stating I was in default for being over 30 days late and offering me options to short sell my home. I immediately called and was sent through the debt collection department as part of trying to clarify that I believe it was a mistake. After being asked about if I was in financial trouble, asked for additional personal contact info, they eventually acknowledged the payment was received and I was not in default. They then proceeded to offer me options to buy additional services through them. It is wrong that a mortgage company would notify a client that their mortgage is in default and past due during the first 60 days after a loan is transfered/sold when payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Square Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received about 20 text messages from XXXX collection group telling me to pay XXXX XXXX, first {$920.00} and now {$620.00}, using their site.. Sometimes they stop a few days then start up again. It has been going on for about 2 months, yesterday is the most recent attempt. It sends a link where I can connect to and pay. A person claiming to be XXXX XXXX called me in XXXX this year telling me my sister owes him money, did not say how much. His number is XXXX. I told him my sister had a major XXXX recently but I have not seen her in over 2 years as she moved away and because of fear of Covid I do not travel. He started to bad mouth my family. This debt was paid by my sister but the text messages are still being sent to me. When I texted back, " Fraud '', the response was that they did not understand my message. I looked up the number and found that over 2000 complaints have been filed against whoever owns this number, there are a group of numbers, are similar. I am unable to block them. I want to report them, both the person who wants the money, and the " collection '' link.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: FL
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:
There were three charges on my business debit card that I called to dispute on XXXX XXXX, XXXX. The rep at the time seemed to be unaware of the procedure, and I couldnt clearly understand him. However I proceeded with answering all the questions ask concerning why I was disputing and my evidence. I was told that I would receive a letter in the mail that I would need to sign and send back in. I never received the mail as told. 

After the holidays XXXX XXXX, XXXX I called again to get the status of my dispute and was told that they did not have any dispute on record. Perplexed, I asked what I should do. I was then told that they would submit the disputes properly and I proceeded to answer the same questions and provide proof. This time the rep seemed knowledgeable and was clear and cosice. She also told me that she noted my account on the previous dispute that was not filed properly. The next morning XXXX XXXX XXXX I receive a decision letter via email, stating they did an investigation and the funds will remain on my account. 

More perplexed, I called in that same day to find out exactly what was happening. This time a rep told me that the dispute was denied because they couldnt recover the funds from the merchant due to the date I submitted the claim ( essentially I was to late ). I explained yet again that I had previously called to dispute and it was not processed properly per the reps statement. And that I was told to resubmit because of it. The rep told me there was nothing they could do to help because they were unable to recover any funds from the merchants bank. 

Now, I have a merchant that will not refund and a bank that essentially dropped the ball and decided they will not help me any further other than submitting a complaint that does not remedy what actually happened to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-25
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: Personal information incorrect

Complaint:
The personal information on my credit report is fraudulent.

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 2019-04-25
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report on XX/XX/2019 and noticed a collection against me from lockheart XXXX and Montgomery i do not know who this company is i have never signed nor have any agreement with this company

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 2021-10-09
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get 2nd pay off information from my mortgage company ( Fay Servicing LLC ). I am verify by the automated system then by the representative, then I ask for a pay off and I am told I can not get one because I am in bankruptcy and the request has to come from my lawyer. I advise them that on XX/XX/XXXX my lawyer fax Fay Servicing an authorization letter, I was told they did not receive that letter so I email a copy of the letter the lawyer sent to me. The representative advise me the account number was missing I contacted the lawyer and on XX/XX/XXXX a revise letter was fax with the account number information added. XX/XX/XXXX I call to get that payoff and I was told the request have to come from the lawyer. I again advise them two letters were fax to Fay Servicing and I was told the zip code is incorrect and the account number is missing. I contacted the lawyer and was told all that information is on the 2nd letter and they don't know what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRINITY HOPE ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This collection agency keeps calling all day long and late hours at nights too. I have told them this is not my debt and to stop harassing & calling me anymore in the future. I have a receipt showing that I have paid this XXXX  bill in full. The last time this collection agency called, the person that called stated that I had to call him by the end of the day or actions would be taken against me the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I sent a letter asking them VALIDATE AND VERIFY this debt that I " owe '' and all I received back is COPIES of some contract from " XXXX XXXX '' with NO SIGNATURE or ANY AGREEMENT whatsoever and something pertaining to APARTMENT XXXX not XXXX my real apartment number.. 

This debt is INVALID and not VERIFIED NOR VERIFIED whatsoever.

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 2019-04-25
Company: Santander Consumer USA Holdings Inc.
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:
A week ago I received a letter from a collection agency that had been sent to my old address. 
I am being charged for a debt I do not recognize, I wasn't even in the USA at the time of the debt. 
I'm posting a letter tomorrow disputing the debt, but now I'm worried that there may be other debts incurred under my name without my knowledge or permission.

Company response to consumer: Closed with explanation