BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: Navient Solutions, LLC.
State: TX
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:
In XXXX, Navient had a principal balance of {$21000.00} on 4 loans. I made payments of {$120.00} a month, with a certain amount of the {$120.00} paid to each loan. I pay through Navient.com. On that page it shows my payment that is applied to each loans principal and interest. I paid a few dollars above the interest showing on the web page for each loan. For the entire year of XXXX, I paid {$120.00}, even though the accrued interest for all 4 loans was {$100.00}. Not a single penny on XXXX went towards lowering my balance. In XX/XX/XXXX, I was hit with a {$980.00} increase in my loan balance to where my new principal went to {$22000.00}. This affected my credit report as a derogatory remark, even though I was making payments above the accrued interest on all 4 loans. I called Navient and they informed me that the additional charge was for capitalized interest that had accrued on the account and that for my payments to go down, I had to pay {$880.00} first before I could begin to see a reduction on my principal. This information was not communicated to me in a timely manner. I paid the entire year of XXXX without being notified of this amount of capitalized interest. There was no letter, email, or notification on the website if this accrued capital interest. So now I have a derogatory remark on my Transunion credit report, my total principle went up from {$21.00}, XXXX on payments of {$120.00}, which covered the accrued interest of all 4 loans. Then my principal balance went up to {$22000.00} in XXXX. Why was I not notified of the status of the principal of my student loans? Why no notification in a timely manner? Why was this capitalized interest increasing in XXXX not showing in my balance in {$2000.00}? Why was this capitalized interest not showing on the website in XXXX? Why was this capitalized interest, which was accruing in XXXX all charged in 1 month in XXXX? Why do I have to make a {$880.00} payment to even begin paying {$1.00} towards the balance on my student loans? I feel this a violation of the Fair Credit Act. I feel the services violated the terms set by notifying the borrower within 30-60 days of a change, an increase in the interest. I believe it is a violation that Navient did not inform me that an {$880.00} payment has to be paid this month before a single payment can be applied to my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: JPMORGAN CHASE & CO.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have been approved for a SBA Loan and this has been since XX/XX/2020. The process to receive the funds is extremely slow but I have all the correct documentation needed for the Small Business Administration to release the funds. I was having the loan funds deposited into my online XXXX account but the SBA isn't recognizing that institution so they told me that a Chase bank account could be used to receive the funds. I open up the Chase account and now the SBA wants the bank to provide a letter with my account number. routing number and social security number used to open my account with Chase bank. For some odd reason that seems to be a hint of discrimination. Chase bank is not willing to provide me a letter with this information so that I can scan it, upload it and send it to my loan specialist for SBA who is named : XXXX XXXX Attorney Advisor Office of XXXX XXXX  U.S. Small Business Administration ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been struggling financially for awhile now due to losing my job in the horrific pandemic. I was blessed to be approved by the HAF program on XX/XX/2022 with funds to clear my past due mortgage balance which lifted some of the burden away, at least I thought. On XX/XX/2022 my mortgage company notified me that my award funding through the HAF program was received. They informed me that it would take 3-4 days for the funds to be applied to my account and I would receive an email when the account was updated. On XX/XX/2022, I called my mortgage company again because I had not received the email confirming payment was updated and they informed me that no funds were actually received on XX/XX/2022. Due to misinformed information, I am unsure that they are being completely honest with me. I am worried that they are holding the award funds hostage in efforts to foreclose my home. I have 2 small children and I am in fear of us losing the only place we can call home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had car that the dealer change the oil. 3 days later the motor blew up. We replaced the motor same place, 1 day later motor blew again. We gave the car back and tried to work out something over the phone. They put we owe XXXX on a 2009 car, the people that took over added more, now XXXX something is what they have. I am XXXX and a single mom of XXXX. But i am trying really hard to get my family a house. So i called the number on my report, that told me they will work with me but i had to wire them the money that day XXXX. Me sad because i been working hard to save this money for down payment. I went to the bank to wire the money, who refused to do it saying it was a scam and nowhere besides scam asked for it to me wired only and right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a medical debt that was turned over to Professional Credit. I made payments arrangements with them, I was never informed that they would continue to charge interest. I have made these arrangements and have not paid late according to our arrangement, but they continue to report to the credit bureaus that Im late. I have upheld my agreement. When I complained that they arent upholding their side, they told me I have to call them. When you call, you are put on hold for hour ( s ) and then hung up on before you can even begin to tell them what is happening. Ive never received anything by mail like I asked. I have no issue paying the debt as agreed, I just want them to uphold their end as agreed. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 Consumer Adjustments company added a derogatory mark on my credit report identify by XXXX XXXX. 

Upon researching, this account was transferred/sold and Im no longer responsible for this account. 

CACI didnt verify this collection. I requested on XX/XX/XXXX that XXXX XXXX a representative of CACI provided me with documentation that Validates my debt. 

As of today she has only provided me with a bill! A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. 

According to the FCRA, CACI has violated my rights as a consumer and Im requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name is XXXX XXXX.  In XXXX  I have been a victim of identity theft and it took several months for me to get an identity theft report and fix it with credit card companies. It was 16 years ago and Chase bank closed my accounts because of that matter.  In XXXX I have applied for a credit card with Chase bank and they informed me that they will not approve me because they put my name in their black list and they don't want to do a business with me.  In XXXX I have opened my business checking account with Chase and I am getting rental incomes to that account every month.  Last month my banker advised me to apply for a business credit card account.  They requested for a call and a representative from Chase asked me so many questions for about 30 minutes and I got finally approved for a credit card with Chase bank.  I have started to use it and today I got a letter from them which says that they are closing my account for previous unsatisfactory relationship with Chase.  I have called they and their representative informed me that he can not do anything and I am on their back list again.  I have excellent credit history since XXXX and I have a lots of money in the same bank checking account for several years.  They are not allow to put me in their black list because of that identity theft matter I had in a past.  Please help me to fix this otherwise I have a to file a lawsuit against Chase bank.Your help is really appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.

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 2017-12-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
COMPLAINANT INFO Complainant Name : XXXX XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Home Phone : XXXX Work Phone : XXXX Cell Phone : XXXX Email : XXXX Education Level : XXXX RESPONDENT INFO Respondent Type : Organization Respondent Name : OCWEN Address : XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX : Phone : XXXX Account Number : XXXX Person ( s ) you dealt with at the company : XXXX ; XXXX COMPLAINT DETAILS Filing for someone else : No Complaint Description : We were denied 2 times for mortgage modifications with OCWEN. We made all trial payments on time. The first modification payments were made through a wire transfer and XXXX claimed they did not receive them and or they were not on time. The second mondifciation we made all trail payments on time, but due to the hurricane. which caused undelivered mail, we did not receive the finalized modifcation packet on time, which had a due date to be returned. The deadline was missed because we did not receive the packet due to the weather. Once we received thte packey I sent it certified and Ocwen took the package and did not sign the certified postage card as acknowledgment of package being received. NO ONE SIGNED THE GREEN CARD, but we received the GRREN CARD back as if Ocwen had signed for it. It had no signature therefore they stated they did not receive anything from us. In addition. we will provided with the wrong mailing address for the final modification package to be returned So, Ocwen attempted to denied the trial modifcation for their error. Once the trail was completed, I became ill and missed the XXXX XXXX Deadline. Our mortage was paid on XXXX. We were notified our modification was cancelled. Ocwen it a FRAULENT COMPANY and are trying to ILLEGALLY foreclose on customers. I did XXXX XXXX XXXX XXXX, who appeared to side with Ocwen and assisted them with the Fraudlent Acts, Ocwen and XXXX XXXX XXXX has caused my medical condition to worsen due to the constant harrassment. I had to pay XXXX per modification due to the home having to load to XXXX XXXX XXXX. It appeared they were changing their amount on customers for GREED. Also, Ocwen increased my Mortgage modification trial from XXXX on the first modifcation to XXXX on the second modication. Ocwen is INTENTIONALLY denying modification based on any factor they can fine, even if you pay XXXX over the modification amount. Also, There are ERRORS in our MODIFICATION PAPERWORK. WE WANT OUR MONEY BACK FROM XXXX XXXX XXXX  BASED OUT OF CALIFORNIA AND OCWEN, in addition to a XXXX payment monthly. 
Joint Account : Yes Joint Account Description : XXXX XXXX, Husband Did you sign a contract? : Yes Amount in dispute : XXXX Transaction Date : XXXX/XXXX/XXXX Attorney Contacted : No Product/Service Advertised : Yes ( Via mail we have no more money to pay for an attorney ) Complaint submitted to another regulator : YES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my personal credit report, and I noticed that unauthorized inquires have been made ( see below ) I request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed below. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

I also requested removal of multiple addresses found on my credit report 60 days ago. I would like them removed immediately, and have my current address updated on all credit reports. My Correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. 



PLEASE REMOVE THE FOLLOWING : FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Below you will find inquires that need to be removed, see attached files as well. 




XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you for your help and assistance. 

XXXX 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had an account wit Wells Fargo a couple of years ago and they charged me a bunch of fees and closed my account, just wondering if I am included in the settlement. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BOA ATM MALFUNCTION at XXXX, Texas. 
DATE : XX/XX/2019 around XXXX XXXX. 
Me and my boyfriend were at the atm to deposit some cash into my account, approximately around {$4000.00}. he put it in and it was processing, it took unsually long and next thing we know the ATM spit the cash out and instead of holding it let go and the cash started blowing away, it was a windy night and we could only catch a couple bills, everything else got blown away by the wind and the atm completed the transaction woithout telling me what was deposited or not and didn't even print the receipt out, i found out the next day that the only amount that was deposited was around {$400.00} something. The bank declined the claim and when i called their agent she told me that it was my fault that their machine blew away my cash and that i would be responsible for losing my money?? please i don't know what to do as there's video footage of exactly what happened and the bank is refusing to look at that and wont even provide me the footage unless i file a court order. I am a college student who can't afford the lawyer fees so i am in a desperate need to get some help regarding my incident.

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 2018-02-28
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a notification email from XXXX XXXX indicating a debt was added to my XXXX credit report from Midwest Recovery Systems. I have NEVER received any correspondence for this debt nor did I know the debt existed or who the creditor is for the debt. I was never given a chance to dispute, negotiate or pay the debt yet said debt has been reported as collections. My home address has not changed and not one piece of mail has been received or one phone call about this debt existing. Debt collectors, by law, have to notify debtors about existing debt and give them a chance to take care of the debt, or dispute it before reporting to credit bureaus. Midwest Recovery Systems reported this debt on XX/XX/XXXX and this is a violation of 15 USC 1692g 809.Validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: SC
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 SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX - XXXX Date Opened : XXXX Balance Owed : {$380.00} Dispute Status :. I am uncertain when it comes to the Balance of {$380.00}, because I dont recall owing such a high amount. Since the account is closed and charged off, the past due amount shouldnt be reported

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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened with this company in XX/XX/2018an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-04-02
Company: Illinois Collection Service, Inc.
State: IL
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 refuses to delete an account that I provided proof in the form of documentation.The collection company is called ; ICS Collection Serv , Inc. The amount of the bill is $ XXXX.The bill was paid in full by both the orginal creditor and Illinois Medicaid . The original creditor is XXXX XXXX ( XXXX Hospital in XXXX Illinois ). The date of service was on ; XX/XX/2017. 

XXXX informed me that they can not call or notify XXXX hospital and that ICS has informed them that I still owe this bill. XXXX did not do a reasonable investigation by simply telling me that ICS says the information is accurate. I provided legitimate documents to prove this. What protection does consumers have if documents are being overlooked? 

I want justice by having this item deleted from my report immediatly.I have filed a complaint with XXXX and also know that I can and will take ICS to small claims court to seek up to {$1000.00} in damages, if they do not comply in a timely manner.

Company response to consumer: Closed with explanation