BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/2021 I submitted a dispute with supporting documentation ( see attached ) Equifax to update the payment status of XXXX Loan # XXXX from 120 past due to current and paid in full. On XX/XX/2021 Equifax published dispute results verifying that the account was 120 past due ( see attached ). I have submitted this information several times proving Equifax is knowingly reporting false information and asking that it be corrected and the company has continued to refuse to forward my disputes or correct the status of this account. This constitutes a violation of the rights afforded to me under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Duvera Billing Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report and saw that a company was trying to collect on a debt that does not belong to me. I contacted the company several times and nobody got back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My son is a XXXX individual who can be easily taken advantage of in this case there was numerous forms of fraud committed on his account excess use of his card being used on an XXXX  account which he doesnt have when I found out about the charges I contacted the unemployment development department And Bank of America XXXX card services to file the claim and open up an investigation they provided us with a new card for my son and also put a provisional credit on his card on XX/XX/2020 my son went to use his card and it was declined at the grocery store when we called the card To see why it was being denied we found out by the automated system that his account was negative over {$6000.00} and that was the amount that had been compromised I contacted the claims department and they directed me to contact the unemployment department I did just that however they had nothing to do with that money Bank of America Prepaid card services had reversed the charges after they sent me a letter that they had found the claim to be in my sons favor when I spoke with the representative she in fact stated that they had a right to do that is to my understanding that once there is a decision made they can not change that decision I had called back because I was hung up on was left on hold for three hours To be told that they were going to send this over to the claims escalation department and remove and reverse the charges however the representative I was speaking with was rude and seem short and all of a sudden once again my car got disconnected by the time I called back that department was closed and I had to wait until Monday to try to call back to rectify the situation which I did was on holdFor two hours just to be told that they were going to escalate the issue again and make their decision and I would receive a letter in the mail Im not understanding why they would have to submit another claim to rectify the situation when I already had gotten a letter that they had found it in my sons favor with that being said the money that has been deposited onto his card is also being take him back and he has not been able to pay his rent or bills since XX/XX/2020 I asked him when this situation will be rectified and I was told That I would get a letter in the mail frustrated and upset with the overall situation I gave up I am looking for some assistance to obtain my sons money back considering this is his only source of income during these hard times

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 2018-06-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2018 I purchased a used vehicle from XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX. The purchase included an extended warranty with XXXX XXXX XXXX XXXX for a term of 24 months or 24,000 miles. On XX/XX/2018 the vehicle started presenting issues ( running hot ) and ceased working, and it was towed to XXXX XXXX. XXXX XXXX was unable to repair the vehicle and it was moved to XXXX XXXX. XXXX XXXX ran diagnostics on the vehicle and discovered the vehicle gaskets were nit working and the motor/engine needed to be replaced. An adjustor from XXXX did visit XXXX XXXX to estimate the damage and XXXX refused to honor the signed contract and pay for repairs on the vehicle.

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 2020-08-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a overdraft account that is very messed up my name is XXXX XXXX and the matter isn't resolved and it's very overdraft by XXXX so I would like a compensation or to sue them as a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Accounts charging high interest Lowered my limit Excess charges not mine. 
Lenders/creditors have pulled credit without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: OK
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi I am XXXX XXXX and I can be reached at XXXX XXXX XXXX and email : XXXX I have received a fraudulent bill from a company PayPal Credit whereas I don't have any PayPal credit card. I have received couple of payment notices in the amount of {$2400.00}. I have not paid as I do not have any PayPal credit card nor I have purchased any stuff in that amount. Even in the notice, there is no description of where this money was spent or any transaction detail. This seems fraudulent as I don't know any information about it. I tried reaching out to the number provided in the notice but they asked me about my social security number. I didn't provide my social security number to them. 
My intention of this complaint is to notify you that I have received this notice and it's fraudulent. 
Note : I have attached the notice with this complain.

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 2016-11-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased XXXX dog beds from XXXX. They both had tears in tem. I contacted the merchant and they sent me a return label to send these XXXX dogs beds back to them. I sent the XXXX dog bed covers back to them with the return receipt. They advised that they received a " blue cushion ''. Both dog beds were in the box. My credit card ompany is not helping me at all. They are taking the word of XXXX. I have contacted XXXX, XXXX and the dept of consumer protection. This is very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I was an account holder of the Chase XXXX Visa card. One of the perks is that you receive Marriott Gold Elite Status as long as you spend {$10000.00} in an account year. I met that requirement for XX/XX/XXXX, and received Marriott Gold Elite Status XX/XX/XXXX. I spoke with a Chase account rep XX/XX/XXXX who confirmed I may close my account and not lose the status. I closed the Chase account, and lost the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Navient Solutions, LLC.
State: CA
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:
I made two extra payments of {$100.00} on XX/XX/18 and XX/XX/18 to my Navient loan ending in XXXX. I did not have any required payments during these two months, and was trying to lower my principal balance.

I have instructed Navient many, many times to apply any extra payments to my principal. Even when

Navient was Sallie Mae, I sent numerous emails and letters instructing them to apply any over payment to principal. Both those payments resulted in being applied to unpaid interest and my balance did not decrease over that two month span. When I have a few extra dollars I ALWAYS use them to pay my student loan balances down. This is not my first complaint about Navient. They have applied my payments incorrectly multiple times and I have complained to them in the past. There have been no changes to their practices. I have had this loan for 10 years now and my current balance is still not below the amount I borrowed, which is absolutely infuriating and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am having banking institution issues XXXX XXXX XXXX XXXX - Banking Institution Issues - On XX/XX/XXXX, they said that I reached my spending limit and didn't warn me. Money unable to be spent or moved or touched in my account until the beginning of next month. On XX/XX/XXXX, I explained to them that I needed to pay bills, rent and have a XXXX at the end of the month, yet they are saying they can't help. This bank is not supervised by the FDIC and I do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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 have several student loans from undergraduate and postgraduate programs. I wanted to go into the program for civil service repayment for forgiveness after 10 years of payments, because I am an XXXX   XXXX  XXXX. I called XXXX three years ago and was told that all of my loans had to be consolidated in order to go into the program. Though they had different interest rates, some were very low. So I went ahead and consolidated my loans. Then I applied for the program and was told that all of my previous payments did not count because I consolidate my loans. So not only do I have to pay more because of the higher interest rates, none of my payments counted for years. Also, they kept changing things so that none of my payments are in the right place to qualify. I feel like I am being ran around to just make payments for ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: AL
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 have sent 4 letters to Experian asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.

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 2021-08-06
Company: ALLIED MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received my escrow analysis in early XXXX from my mortgage company ( Allied Mortgage ) which indicated a shortage of over {$4000.00}. This was not only due to a {$1000.00} increase in my hazard insurance ( which is beyond Allied 's control ) ; but also due to them not collecting enough at closing. This shortage increased my payment by over {$300.00} a month. I understand things happen ; however I am terribly concerned that I will not be able to pay my mortgage. I reached out to Allied Mortgage on XX/XX/21 requesting the shortage be spread out over 4 or 5 years. They advised me that they will submit a request to the investor ( FHA ). I have been following up with them at least once a week requesting updates. With each call I get a different answer. Some representatives indicate this request does not require approval and others say it does. Each representative promises to call me back within 48 hours ; however none of them do. During my most recent call today, they advised me that they have reached out to me. This is absolutely not true ( I confirmed they have the correct contact information ). I received one call from them several weeks ago around XXXX in the evening ; but they hung up before I could answer ( two rings ). My mortgage is now 6 days past due and I still do not have any answers. I filed a complaint with the CFPB about this company earlier this year as they did not pay my taxes and insurance in a timely fashion which caused my insurance to cancel. I have never experienced such ineptitude.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$2500.00}. on XX/XX/XXXX. The funds were withdrawn from the checking account of the payee on XX/XX/XXXX @ XXXX. Chase Bank would not release the funds they withdrew for my availability until XX/XX/XXXX. I called to get these funds released and was told they had to do this manually and they could not give me MY money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with my lender for the past 18 plus month to approve a short sale of my property. I explained to the lender that my income had been reduced as I am a sales person that make commission and I had to take care of my father who had came to live me with me and my wife due to XXXX. My father passed away without life insurance and it was up to me to pay for the funeral arrangements as well as take care of his affairs. Between the reduction in pay as well as taking care of my terminal father I was unable to pay my mortgage as well as mortgage on the house my wife and I were living in. I racked up substantial credit card debt just to take care of everyday living expenses furthering my hardship. Most recently my wife lost her job and I recently had a XXXX. After my wife XXXX she was in the hospital for more than two months furthering our debt and non ability to pay on my property. My realtor has procured several viable buyers over the past year and half but each time Selene Finance prolongs the process by requiring multiple paper work that has been submitted before as well as asking for an increase to the selling price, essentially pricing out the market. This has been an burden to my family as well as to my financial well being. I ruined my credit in order to partake in the short sale process only to find that Selene Finance is not interested in allowing a short sale on the property. I am the sole earner in my family, with a XXXX, medical bills, as well as a mortgage on my wife 's property to pay on. I simply can not afford to pay two mortgages, two HOA fees, two utility billings on any type of salary I currently make. I need any help as possible to get from under this property. Selene Finance is not interested in helping me with this situation as the past almost two years have shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Nationwide Financial Group
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX a magazine company is stating I owe XXXX dollars and I do not. They have contacted me on my cell phone very rude and threatening and called me at work today XX/XX/2018 a man this time very demeaning and belittling and threatening. They also called my XXXX XXXX XXXX mother today XX/XX/2018 who just got out of the hospital said they were going to freeze her XXXX and they had a warrant for my arrest. My mother was beyond upset and can not afford to get upset in her state of health. They said they would call my work and get me fired. The scared me and intimidated me and my elderly mother! The first woman that called was XXXX at XXXX Ext XXXX. The man that called today I didn't remember his name asked for him to repeat it and he would not and he would not give his phone number. He said they were freezing all my bank accounts pay check etc all income. This is so wrong and abusive especially and elderly XXXX woman fresh out of the hospital. Please help me make this stop. I bought nothing from them. There address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-06-30
Company: Rocket Mortgage, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XX/XX/2020 I got a notification from XXXX XXXX  that my credit was ran through a mortgage company. I google the inquiry and I believe is Rocketmortgage.com/Quicken loans. I recently got my email hacked but my social was never attached to it. I would like to find out what information they received from whoever submitted the application. I have never provided my social to anyone other than two or three creditors in my lifetime. This was done unlawful and without my permission. I  believe XXXX  is the only creditor but I could be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-07-10
Company: HYUNDAI CAPITAL AMERICA
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
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:
I paid off my quoted payoff to hyundai motor finance on XX/XX/XXXX and was told i was told i would get my title in 3-5 business days .month passed by, i would call and get a generic response oh it's in process and the you should get it soon. Then more than a month later they added another XXXX $ to the quote saying oh this is the actual quote even though on XX/XX/XXXX i was given a different quote earlier. I even paid off that amount. Now they they still haven't released my title, the call to their lease end and customer service just ends in the same generic response. 
They are sitting on XXXX  of dollars of my money and not releasing my title. I can't sell the car. I can't even get a car tag without the updated title causing undue distress.

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