BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Loan matured XX/XX/XXXX.

Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XX/XX/XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any Credit Repair Companies. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : RESIDENT VERIFY Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX SERVICE Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 2019-07-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax refuses to take my credit file out of their Office of Consumer Affairs. I have made several requests and sent the documents they requested. XXXX, XXXX XXXX form sent a letters for the last two years requesting this removals. As of yet, it has not been removed and I run into many issues when purchasing a new home and trying to find somewhere to live. This has become a major barrier in my life. I feel as though I am being discriminated and targeted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card from barclay which I used to purchase my XXXX XXXX. It was interest free for a year and I made all of my monthly payments. When the interest hit the card it was over {$300.00} which pushed my card over the limit. I have been making all of my monthly payments. None of my payments missed. I called this morning to get a new card because I realized my card had expired. I was informed my card was cancelled because it had a high balance and because of other accounts I have opennwith other creditors. Along with that I was also informed the card company checked my credit periodically reviewing accounts that had nothing to do with Barclay. .As I stated to the manager I was in the process of paying my account down today since I will be going on travel and will need to use the card. The was told I have to re-apply. I do not wish to reapply because it creates a hard credit inquiry. I wished for them to re-open my account. I was then told they can do as they wish with any of the customers they choose, that a letter was sent to me stating they were cancelling my account once the card expires ( a letter I never received ). In my defense I stated it seems unfair to cancel someone card because it has a high balance, with no missed payments. Once I stated this practice seem to be deceptive and an unfair debt collection practice the manager no longer wished to speak with me. I asked for a number to corporate and was informed I could not be provide with that information. I could be given a mailing address to send a letter.

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 2022-02-07
Company: JPMORGAN CHASE & CO.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Wednesday, XX/XX/XXXX I was the victim of a scam involving a person ( s ) who created fraudulent email accounts to misrepresent my real estate agent, mortgage lender and escrow officer. I was under the impression that I was sending the downpayment for a home I am closing on to the escrow officer prior to my closing date. This scammer created multiple fake email accounts as well as had access to all of my home document information including address, total closing costs listed in my contract as well as names of those associated with my loan and their companies. 

This amount totaled {$92000.00} which was wired from my locaXXXX XXXX XXXX  XXXX account to a local JP Morgan Chase account. The fraud was discovered on Thursday, XX/XX/XXXX at XXXX at which point I called my bank and submitted a fraud report and requested a swift recall of the funds. On Friday, XX/XX/XXXX I called the local Chase Bank to inform them of the fraud and attempt to expedite the process by speaking with their fraud department so that they could respond to my fraud claim in order to freeze the account. After countless phone calls and transfers, there has been no response from Chase and no further action has progressed with my claim due to Chase Banks neglect to respond or relay this information to the appropriate department or person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Navient Solutions, LLC.
State: MO
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 co-signed on a student loan with Navient with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted Navient and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. Navient 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to Navient, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Their investigation did not fix an error on your report

Complaint:
I have submitted letters to each Transunion, XXXX, XXXX regarding XXXX Card services..to update the payment history of late on my XXXX account. 

The account should be updated to paid and never late and should not be reporting the incorrect information ...

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 2018-01-04
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX provided a credit card service through XXXX XXXX XXXX. I financed {$3000.00} and had minimum monthly payments of {$28.00}. Then all of a sudden my bill changed to the minimum monthly payment of {$140.00} which is a huge jump so I called to find out why and apparently it was a promotion where no interest was charged for a year then all of a sudden they charge me {$4500.00} in interest which is way more than the loan itself. I 'm furious! They state it was in the contract but there was no mention of it when I signed up for the financing. It 's a scam and they should be prosecuted!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I wired {$4600.00} from XXXX trust to my bank Chase. The money was transferred on XX/XX/XXXX. I later found out that the account information i wrote was incorrect. I called Chase bank and they transferred me to the wire department to start the case ( XX/XX/XXXX ). They gave me a case number wich is XXXX I called almost every day for updates and finally on XX/XX/XXXX they told me, they were unable to retrieve all the money, they were only able to retrieve {$410.00} on XX/XX/XXXX. They said i should get legal actions because they are unable to help me or give me any updates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21 I had TWO stitches put into my hand, and was charged OVER {$1400.00}, a procedure that on average costs right around {$200.00} altogether. I used an in network medical provider and had health insurance. I was told to pay a balance of {$480.00} before I was to be serviced, which I paid in full while I had an open gash in my hand ( documented ). I asked if there was anymore I would owe or be billed later to which I was told no. ( documented ). I was not given an option to refuse an x ray later in the procedure which I was also billed separately for and not notified, so they could code me under a level 4 service and charge me more. ( Also documented. ) I also asked for an itemized list of everything I was specifically being charged for, which I was not given and instead mailed a very vague list which only showed me I still owed {$120.00}, but the math did not add up since there was none. I was certain I had paid my debt in full already. I contacted my insurance company and they were also confused, and was put on a 3 way telephone call with the medical center I was serviced at. This call ended with the medical center unable to provide an adequate explanation as to why I somehow still owed {$120.00} after receiving {$1300.00} between my insurance company and I for XXXX STITCHES, and my insurance representative confused as how I still owed as well, or why I was forced to make a {$480.00} payment before I was allowed to be serviced when I had health insurance. Now Im being sent to a debt collector over a petty {$120.00} after receiving MORE THAN ENOUGH from insurance and I for a XXXX  stitch procedure.

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 2021-09-16
Company: CARVANT FINANCIAL LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked ask Carvant financial to validate the debt which they were not able to in XX/XX/2021. I asked them to send over the contract in XX/XX/2021 which has so many violations. I sent in my affidavit XX/XX/2021 and still have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Trying to order my credit report from Transunion ( XXXX ), and again TransUnion failed to grant access to my credit report. 

This is my third complaint to the CFPB about TU refusing to provide my credit report. 

I visited XXXX, entered my info and when I submitted, I received the following error - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation '' A screenshot of this incident is attached. 

I can't imagine the law provides for Transunion to decline requests for any credit report that contains a disputed item.

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 2017-07-26
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this collection for awhile for a collection that was placed on my credit last year for a debt that I do not owe. I 'm not understanding why this collection was placed on my account for {$5000.00}. I want this to be removed from all my credit reports immediately. I 've sent in numerous dispute letters and no action has been taken. Please advise on any updates from this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I made a purchase from XXXX through my checking account with Capital One. Please know the following facts, because I have direct deposit, Capital One allows access to my funds, 2 to 3 days before my actual pay date. In this scenario, I get paid on the last day of the month, which would have been XXXX. I made several purchases on XX/XX/XXXX that posted to the account by the XX/XX/XXXX and the funds were removed from my available balance. The purchase was presented to Capital One on XX/XX/XXXX and posted to account by XX/XX/XXXX. On XX/XX/XXXX the {$590.00} was removed from my available balance. Today, the XXXX seller refunded my transaction in the amount of {$590.00}. Today to my surprise, in my Capital One account it states that I had a purchase that posted today in the amount of {$590.00}. Capital One has removed these transactions from the log. When I called Capital One they stated the purchase I made only posted today. When asked where did the money go that was removed from my daily balance, they said that the transaction today was actually a credit and would be posted to my account in 10 days. This was the same information that XXXX said I should see a credit in 10 days. The issue is that this transaction caused a negative balance in my account. So I have direct deposit in this account, what will happen they will clear the negative take the XXXX again which will make three times and only give it back to me in 10 days? This is a XXXX XXXX XXXX, I am out of {$590.00} twice right now. XXXX states that they have proof that the money was refunded, Capital One says the transaction was a refund, that will not get posted to my account till 10 days, in the meantime the negative XXXX represents the original transaction posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Pioneer, a division of Navient, has contacted friends and family about my student loan debt, even though they spoke with me at my phone number and I confirmed my address, which hasn't changed for 18 years. 
I am in the process of consolidating my loans, which I told her, and she insists that I work with her. I have been ignoring a dozen cell calls daily while I'm at work, and she is also repeatedly calling my wife 's cell at work. Yesterday and today, she has called my daughters, a friend 's daughter, friends, and my sister-in-law. We have the voice mails she left as evidence. 
This would only be okay if she was trying to locate me, which she doesn't need to do, since I spoke with her 3 weeks ago and confirmed my address, when she reached me at my phone number. 
I want her punished to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently had a credit report that showed I had several student loans that had and t to collections and that I owed child support. None of which is true. I have never had any student loans and have never had to pay any child support. It states that I owe {$6200.00} in Va child support and approximately {$10000.00} in student loans. There is also several medical bills that have been sent to collections that do not belong to me. I have never been to any of the medical facilities listed. On my credit report a XXXX XXXX is listed as one of my names. My name has NEVER been XXXX XXXX nor do I know anyone by that name. I have attached a copy of the false claims on my report.

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 2018-01-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, EQUIFAX. XXXX AND XXXX XXXX ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE 10 YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I requested a payoff ( XXXX of XXXX ) before my house went on the market ; the closing date was XXXX XXXX. The closing attorneys have requested the payoff the XXXX, XXXX, XXXX, XXXX, and XXXX. I also requested it again to be sent to the attorneys on the XXXX and XXXX of XXXX. Each time we were told it takes 3-5 business days to send a fax. The phone prompt says 1 business. Today the attorneys were told it would be sent by the end of the day yet I was told it was sent. I asked to speak with a supervisor and was told it would take 3 days before a supervisor would call me back, it was not immediate. As off the close of business today, XXXX XX/XX/2021 the payoff still has not been sent. Please help me not only to get the payoff but restitution of lost funds because of the delay.

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 2022-02-09
Company: Navient Solutions, LLC.
State: DE
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:
Navient had been inflating my loan balance over the past few months. They have repeatedly kicked me off my XXXX relief plan charging almost XXXX in interest and fees since the pandemic started. 

Most recently they reported my delinquency to the credit bureaus causing my scores to drop below XXXX. 

They charged almost {$120.00} in fees per loan.

Company response to consumer: Closed with explanation