BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens One of XXXX, RI, has fraudulently collected unearned interest 3 months in a row. After selling previous residence, I made large payments to reduce the loan balance. In XXXX I sent a check for {$200000.00}, along with the payment coupon for XXXX with instructions to apply the overage to principal balance. Instead, they took the XXXX payment, in addition to the XXXX payment. This included over {$700.00} in interest, even though interest due in XXXX amounted to less than {$50.00} because of the {$200000.00} check received on XX/XX/XXXX. In XXXX. I sent a payment for {$10000.00} for XXXX payment, and they repeated the mistake a 2nd time, charging me in advance for XXXX, including an inflated interest amount that did not reflect the reduced principal balance. The following month, the same thing happened, even though I had complained each time that I wanted the overage applied to principal and that I never authorized future payments to be withheld. Each time they did respond by reversing the payments they took in error, but they collected interest on the future payment as of the date the error was corrected, not the date the payment was first received. 

This scheme clearly is an attempt to collect unearned interest and to delay the consumer 's attempt to amortize more quickly. I challenged Citizens One on this practice and they did reverse most of the erroneously collected and misapplied amounts. I am a retired banker, but I feel this scheme might adversely affected a consumer who may not they can and should challenge this practice. I am retired and have the time to monitor erroneous activity and navigate corporate barriers. This company 's practice has the ability to cause harm to others who may not have some of the luxuries I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, I pulled my Equifax credit report and noticed several ( 37 ) unauthorized credit inquiries on the Equifax report and ( 21 ) on the XXXX report. I mailed a multiple inquiry removal letter to both agencies the following day requesting that the inquiries be removed as I did not authorize them. On XX/XX/XXXX, I received a generic letter from both Equifax and XXXX basically stating what inquiries are and what they contain..They failed to remove the inquiries which is why I have decided to file this complaint. I am fully aware of my consumer rights and have every right to dispute inaccurate and unauthorized information on my credit. Please investigate this as quickly as possible as these inquiries are preventing me from obtaining credit with new creditors. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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 ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were Suppose to close at XXXX this morning! Bank of America refused to fund loan at XXXX yesterday! They went all the way to the last minute and refused to fund it! After charging the buyer all the fees to prepare the loan, then they bailed at the last second because the 90unit condo has a reserve of {$300000.00} with an insurance deductable of {>= $1,000,000}. The buyers are putting {$290000.00} down on a {$510000.00} condo! This bank has lost their minds and has cost both the buyers and us the sellers time, money and aggravation out of their own incompetence to execute the very basic of services XXXX providing loans ) The buyers have a XXXX credit score and a house paid off in XXXX worth triple this one. This bank needs to be broken up in my humble opinion! They are toooooooo big and have tooooooo much power to be allowed to perpetrate this kind of misery on its customers!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 monetary relief
Consumer complaint received 2020-08-03
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a car with Santander Consumer USA in XXXX. The Car was repossessed during my XXXX proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-11-28
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Have been paying my Student Loan for the past 10 years ; XXXX XXXX was the Lender but they change to Navient and my Loan keeps going up instead of going down. I called them many times asking for how much interest I have to pay before payments go to principal and no one knows anything. Also I called today to ask why my monthly payments are going up without letting me know and they said that a 2 years payment arraingment have finished and I have to pay XXXX monthly. I said I ca n't pay that amount monthly and they offered me to pay XXXX monthly for a year and renuew payment plan every year to see if I still qualify for it and in 25 years will be forgiven my loan without counting this 10 years I '' ve been paying. This is too much, I need help! Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Between XX/XX/XXXX-XX/XX/XXXX I lost my chase credit card and alot of purchases were made with it for around {$3900.00}, the last time I used it was at XXXX XXXX and when I contacted chase Bank they removed all the fraud charges and was told the card would be cancelled and have a new one sent to me. Fast forward few weeks later I checked my account and saw all the charges were put back into my account. I should not have to pay for charges I didn't make and I contacted the bank as soon as I found out I didn't have my card with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
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: Personal information incorrect

Complaint:
Another name is reporting on my credit report. 

XXXX XXXX XXXX I notice that there is more than one address reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: Credit Karma, LLC
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:
Received a letter from XXXX congratulating me on my new XXXX Rewards card. I never applied or even intended to do so. I have XXXX accounts with XXXX, so I was confused by the letter. Called them right-away and asked for the account to be closed. I'm still waiting for the affidavit I was supposed to received via email. I now have a hard inquire on my credit report from XXXX from XXXX XXXX, 2019, which does not belong to me, and they can't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX posted a unpaid bal on acct, in TX we are allow the choice of a electric provider and can change w/o a plenty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: Ad Astra Recovery Services Inc
State: CA
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:
I sent in documentation to this company to dispute The start it included a copy of a police report and the federal identity theft affidavit I sent this to the company in XXXX of this year XXXX of this year XXXX of this year. Each time they respond that they believe the data is mine and they wont remove it from my credit report and they still reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CrossCountry Mortgage LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I received an incorrect Annual Escrow Analysis from Cross Country Mortgage resulting in an overpayment of over XXXX dollars a month. I have, however, continued to make these payments in this erroneous amount. 

I have contacted the mortgage company multiple times since XXXX oXXXX XXXX via phone and email. When I call I am told that I can not talk to the escrow department because they do not take calls. I am then given an email address to send documents to which is only replied to with a " no reply email ''. 

To remedy this situation I have asked to have my escrow waived, that request has been denied. I am being forced to overpay because of a miscalculation on the lenders behalf which after XXXX months has not been corrected, despite my efforts. I am essentially being extorted by XXXX XXXX, if I do not continue to pay this erroneous amount, I risk destroying my credit and losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Leaders Financial Company
State: NJ
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  reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess

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 2018-03-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I began the process of refinancing my mortgage which is currently held with ( Wells Fargo Financial ), to a new company called XXXX XXXX. In XXXX XXXX and my request to acquire paperwork for the refinance, Wells Fargo Financial has withheld filling out the specific form needed to complete my refinance. This document is a government form called " Request of Verification of  Mortgage ''. Both XXXX XXXX and I have attempted several times to have this paper filled out, and they are refusing.

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 2019-04-26
Company: Navient Solutions, LLC.
State: MD
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:
On XX/XX/XXXX I contacted Navient regarding my 3 private student loans held with their company. My loan has been on interest rate reduction program for the past year and a half. the current reductions rate is 6 % and I pay a payment of {$160.00} every XXXX of the month via payments that are set up by their interest rate reduction program. The payments are split between interest and principal with interest being first. Due to the fixed interest rate each month the amount paid towards interest should decrease and the principal amount should increase. Unfortunately that has not been the case the amounts I pay towards interest and principal vary by large amounts each month. The servicing team could not provide explanation for that. Simply stating they don't have access. Also I have a line on both XX/XX/XXXX and XX/XX/XXXX for a loan sale which added additional interest to my loans and they could not provide answer to that. Another item on XX/XX/XXXX was added on for capitalized interest which should not of occurred. They stated that happens from time to time when full interest isn't paid but each month the full amount of interest accrued should be paid before principal. I was not in forbearance or deferment where I would not of paid interest in full for XXXX. Each time when I try to get clarification from their agents no one has an answer and keeps trying to pass the responsibility to someone else. It is super frustrating dealing with such an incompetent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter to Experian stating that my HIPPA rights had been violated. I asked for debt validation letters from XXXX XXXX. What they sent, astounded me. There were medical procedure codes and diagnosis listed in the verification without any type of signed HIPPA release for. This is a blatant violation. I asked them to investigate the matter. They never even responded to me. Attached, you will find the letter and supporting documents I submitted to them. I also attached a copy of the certified mail tracking number. If this matter is not resolved I intend on filing suit.

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 2017-11-28
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. 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 non-monetary relief
Consumer complaint received 2019-04-26
Company: ECMC GROUP, INC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was not notified about this account for over 10 years when I finally received a letter they said it was sold or sent to collection. This account went to collection in XX/XX/XXXX and the government paid it off in XX/XX/XXXX. They said my Daughter signed for this loan while she was in college I was never notified by her school until 10 year later

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 2021-05-28
Company: JPMORGAN CHASE & CO.
State: OH
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 rewards from credit card

Complaint:
I opened a Marriott credit card with Chase Bank in XX/XX/XXXX2021. When opening this, I provided the Marriott account where points would go. The first statement, the points posted as it was supposed to. I then realized the following months ( when I had much larger point balances ) did not post. After calling into Chase three times, starting XX/XX/XXXX, I'm still being passed around. This is what I have been able to find out as of today, XX/XX/XXXX : - A new Marriott account was automatically created for me which apparently is where these points are going. I just found out what the account number is after having to do multiple calls ( and after waiting over 30 minutes to talk to a Marriott representative ), so I have no idea what points are in this account. 

- I was told the reason this happened is because my husband is the Marriott account holder and the credit card was opened by me. I would like to understand why this was not flagged when I was opening the credit card and why the first points posted fine, but then when I had higher point balances it started going to a newly created Marriott account which I knew nothing about. This seems extremely deceptive. 

- I have been passed back and forth between Chase and Marriott and as I type this I'm sitting on hold with Marriott which I have been on hold for 30 minutes now. Completely unfair that I have to spend my time trying to figure out where points are sitting that are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a Chase Bank Checking and Savings account. On XX/XX/2020 I used my debit card to purchase items from XXXX and my card was declined. I received a notification to call Chase for possible fraud. I called Chase and was told Chase has decided to close my account and not do business with me and I will receive my funds within 7 to 10 business days. I thought this was a joke and called back and was told Chase does not have to notify me if they are going to close my account. I couldn't understand this because of a 20 plus year banking relationship. I was again told my funds will be received in 7 to 10 days. On XX/XX/XXXX I received a text from Chase indicating my checking account has a bal of {$0.00} below my {$200.00} limit and transfer funds from my savings. On XX/XX/2020 I went to a Chase Branch to close out my savings account and was told Chase already closed the account and funds have been mailed. I then called Chase and was told my funds were not mailed and I have to proof where my funds came from. My checks are direct deposit and I told the agent this and they can see where my funds are coming from. I was informed I would have to provide documentation to proof funds. I provided Chase with my W2 and 2 letters from Texas Work Force. I was told today that I would have to prove residency in Texas. I claim residency in Indiana not Texas. I worked for a company in Texas. Chase is on a wild goose chase and have said it will be easier if they reinstate my account. I Chase to release my funds from my savings and checking. I do not want a banking relationship with Chase.

Company response to consumer: Closed with explanation