BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Four Directions Lending LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I had provided them with my personal information including my bank account information. As soon as I hit the submit button the website disappeared, I went to another tab and pulled the site back up, and tried to log into it. The login tab was nonfunctional, I attempted on two different computers. I called the number provided and I was refused access to the site and told that there was not an issue. I then told them I wanted my information deleted and that I wanted immediate confirmation. I was told it was sent but it would take a long time for the email to reach me since their emails too numerous. I have had to close out my bank account but I am still afraid that fraud will be committed since they have my social security number as well. everything that I was told on the phone was inaccurate as to the laws to protect consumers. I was previously a loan manager and how this company is handling my issue is alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am entitled to Forbearance under the CARES act. The attorney, XXXX XXXX at XXXX XXXX  XXXX submitted for a 12 month delay in foreclosure procedures on XX/XX/2020 to Carrington Mortgage Services. 
I have a copy of the letter I signed for submittal. 
However, XXXX XXXX XXXX, the attorney representing Carrington Mortgage in Hawaii, filed a motion for foreclosure and it stated that I had not applied for forbearance to the court. 

Unfortunately, my former attorney withdrew from my case after more than 2 years just before the trial. In addition he had not followed through with letter we had submitted for Forbearance to Carrington Mortgage. 
I filed a motion to let the judge know that the pretrial statement regarding my application for Forbearance was false. 
The judge did not respond to my motion for continuance to obtain new representation. 
The judge did not respond to the letter of Forbearance I submitted as evidence. 
She ruled for plaintiff. 
Everyone involved ignored my rights and offered no explanation. 
I want XXXX XXXX XXXX, XXXX XXXX  XXXX, Carrington Mortgage Services, and the judge to follow the law, not just the wealthy attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have submitted documents to have our PMI private mortgage insurance removed several time. We received a appraisal for XXXX and exact same and even smaller homes sell for {$430000.00}. This difference caused us to keep paying PMI when it should have been deleted. I've called several times with no response and no follow up or return call or letter. This must be stopped. It's a money making scheme and they more the bar everytime to qualify. I have prove of the home sells.

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 2018-07-27
Company: Nelnet, Inc.
State: IL
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:
The representative spoke in a kindly manner and I have not had any issues since the recently with Nelnet. I have always made payments on time and never missed any either. 
When I inquired recently regarding change of repayment plan from the income driven to the standard repayment plan. The first attempt to make the change I spoke with a representative that had notified me that I would have to make 3 qualifying payments to change into the said plan. Then she had quoted me an amount that I would have to pay for the loan of {$70.00} and some change for the standard repayment plan of the 10 year term. ( 120months ) When I called the second time to make the change towards the account. The representative quoted me the same amount and had said that the paperwork would be completed and submitted. After a month passes and i am getting ready to make my regular payment I see that there are no change to the account or payments. So I call Nelnet today XX/XX/2018 and speak with a representative that states, that I can not switched into that plan because it was a forced income driven plan. Then I get upset with them and then she states that she would be able to change the plan. She had me wait on hold while she looked into the account. When she returned she quoted me a new rate of {$71.00} and some change. Also shes said that it would take 5 day for them to process the paperwork. I was upset with her in regards to the new higher quote. So we got off the phone, she calls me after 2 mins of hanging up. She said she didn't like the way that this ended and want to see if there was something more that they can do. Furthermore, she has me wait of hold and returns after some time to tell me that I will be talking to a new representative named XXXX. ( The irony here because I attended XXXXXXXX XXXX XXXX XXXX University ). She warns me now that there might be more fees and payments associated with the new plan. When speaking to XXXX I learned that my new payment will be XXXX. At this point i'm to drained to argue. Then he failed to inform me until I questioned him the details, that the new standard plan run 12 years instead of 10 years which is unheard of. I just experienced the most deceptive strategies that any loan account services organization can provide. You can refer to the call on XX/XX/2018 with representative XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is from XX/XX/XXXX. I paid this long time ago but the creditor and the collection agency said they have no record of it. Regardless of that fact, I was told in XX/XX/XXXX, when I was buying a house that there was a debt. I told them I had no recollection of it and disputed it. 4 months later they sent a copy of the last bill from the creditor. This is not proof I owe it. Statutes of limitations is 4 years for a written contract and 2 years for a verbal. They are well beyond this for collections. Also, they have 30 days to prove I owe this debt after disputing it. They took 4 months to send me an irrelevant copy of a statement. I do not owe this debt. They also had a lien on my credit report that said I owed {$1400.00} but when I went to pay it, they bumped it up to {$1900.00}. I had no choice but to pay it or my house loan would not close. To this day they refuse to send me a satisfaction of judgment or anything that says I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions 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:
XXXX IS REPORTING ON MY CREDIT FILE THAT I OWE XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TN {$640.00} FOR MEDICAL SERVICES.  ALL OF MY MEDICAL BILLS IS COVERED BY THE UNITED STATES GOVERNMENT. XXXX REFFUSES TO PROVIDE VALIDATION OF THE DEBT AS REQUESTED BY ME.

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 2020-01-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding for XXXX XXXX  has placed a collection account on my credit reports that is not valid. Not mine. I have no contract or agreement with LVNV Funding at all. This originally came from Resurgent Capitol.They use multiple company names and different addresse to trick you into not knowing who to respond to properly. 

Upon initial receipt of a notice from them I sent them a cease and desist letter for this alleged account back in XX/XX/2019. Even though I had done this they have illegally placed this collection account on my reports. 

I have attached a copy of the letter that I sent them originally. 
I have also disputed this with the credit bureaus and re-sent LVNV Funding/Resurgent Capitol the cease and desist letter. 

I want this removed from all credit reporting accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: CA
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:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, Equifax, XXXX.

I have one hard Inquiry from company : XXXX XXXX XXXX On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I contacted XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: WELLS FARGO & COMPANY
State: CO
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 went to XXXX and my credit card information was stolen. This was not long after I have 4 issues with my debit card so I thought credit card was safer. On XX/XX/XXXX {$270.00} at XXXX and XX/XX/XXXX {$280.00} and XX/XX/XXXX {$130.00}. I was shocked that the bank wouldnt fix this since it was not me. I am guessing it has to do with my debit card getting stolen first and I had 4 fraud charges there and one in XX/XX/XXXX for XXXX I gave up on trying since I cant believe this was happening to me. I asked them what can I do and they said. I reported these charges that were not me to the bank and they said we will temporarily credit it and look into it. I just found the charges are now back on my card and I guess they denied my claim. I have not clue what to do next since it wasnt me and my information was obviously stolen. Wells Fargo claimed to be helpful but I am looking into changing banks now. Just hate feeling like I have to monitor my account daily for new fraud charges and this sucks I am afraid to use both my atm and credit card because of all this in fear I will just get more and more charges racked up and they will blame me.

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 2020-05-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX Reported :XX/XX/2020 - XXXX XXXX  XXXX Reported : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX DOB:XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE :XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX -  XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL 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 2018-07-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient hired a debt collection company called XXXX XXXX XXXX XXXX to collect on their private student loans. XXXX XXXX XXXX XXXX has repeatedly misapplied my payments. In addition, XXXX XXXX XXXX XXXX does not allow me to verify the balance information and any fees paid. I have been paying XXXX XXXX XXXX XXXX for over three years and they have consistently misapplied my payments in addition to adding fees and interest to the accounts which is a flagrant violation of the law. Navient and XXXX XXXX XXXX are engaging in deceptive debt collection practices. I can't even get an accounting of all the payments I have made nor how much in fees and interest Navient and XXXX XXXX XXXX XXXX has added to the account. Navient and XXXX XXXX XXXX are engaging in fraudulent business practices. My account was supposed to have a 0.01 % interest rate however, Navient and XXXX XXXX XXXX XXXX have added a higher interest rate on the accounts in order to keep the balance high.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: JPMORGAN CHASE & CO.
State: CT
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:
I bought an international ticket where united airlines offers free checked in baggage already. United explorer card from Chase offers free first checked baggage listed in their terms of agreement. However this is false advertising as this no longer is a benefit claimed on the card when the cost of the ticket should cover the baggage checked already. This is a clear case deceptive advertising to the consumer and now I  would have to pay them {$100.00} for added baggage when I thought they would offer up an added luggage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
i got a letter in the mail from discover, and XXXX offering me a balance transfer as far back as XX/XX/XXXX from discover and thay made this offer up till XX/XX/XXXX and XXXX  sent me balance transfer offers from XX/XX/XXXX to XX/XX/XXXX and now thay wont offer any balance trans fers at all i just got my balance pay, d off with discover on XX/XX/XXXX and i wanted to see if i could use a balance transfer and now all the banks are not doing balance transfers i was going to ask if you can make the banks make the balance transfer offer longer becuse by the time i got my balance pay, d off then the offer was gone and thay tell me when i called discover that thay dont know when i will get another balance transfer offer can you ask them to make the offers last atlest 6 to 12 months any thing better then 2 months witch thay gave me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the XXXX data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.

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 2020-05-14
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt collector called my Father and told him that they were looking for me to collect a debt. I called the debt collector after my Father told me they called him and I paid my debt promptly. I told the collector that I would be filing a complaint with the Consumer Financial Protection Bureau as I was completely embarrassed and hurt that they called my Father.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Every deposit I've made has been held for " we have confidential information that this deposit wont be paid, and an 11 day hold will be placed on it. After going to the branch 3X in 1 day, I was told that the branch level had put no hold on it. Sure enough, the check was held. I called the 800 # and was told, it is the branch manager who did it. I went back, to have them help me, at which time the Manager verbally accosted me, never introducing himself, and after asking him to stop, and advising him I was there to see XXXX, he said, " oh well, I could have taken the hold off, but I'm not now! '' Using his access to my money as a vehicle for his retribution. 

I'm a new business owner, and Regions bank, XXXX GA has held me hostage, and will force me to close, while they punish me for being stupid enough to trust them. 

I called back the 800 number, and was told again that it was the branch manager 's decision. I will be writing an email, to XXXX XXXX, RVP XXXX XXXX USA, and his fellow C Suite , and copying all of the nasty people I've met at Regions Bank including XXXX XXXX, XXXX XXXX, and their manager tonight ( Friday ) and hope they enjoy this weekend, and their successful torture of me, and attempting to defraud me, for their own managers personal vendetta. This manager is a XXXXt XXXX, and I feel did this as a form of discrimination against me.

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 2020-07-05
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: Account status incorrect

Complaint:
on my loan with XXXX XXXX they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a complaint through a letter way back on XX/XX/XXXX about inquiries that I did not authorize that are showing on my credit report I made it respectful request into the investigation and I have not heard anything back it has been over 30 days. I also followed up with a 30-day demand letter tracking number XXXX XXXX XXXX XXXX XXXX XXXX and I still haven't heard anything has been verified deliver by the tracking number on the letter attached to this complaint.

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