BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I received a loan from XXXX XXXX and then my husband left me and I am financially responsible for XXXX kids under the age of XXXX so I was not able to pay the loan payment when it was due so I revoked my ACH authorization. Also, I did not know the payment would be so high, it is over {$300.00} and this is not apparent when you sign up for a loan. After I revoked my ACH authorization, they debited my account not once but twice. I thought it was straightened out the first time after I complained about the XX/XX/XXXX debit which caused me to have to borrow money for groceries because I was refunded for their mistake until XX/XX/XXXX but it happened again on XX/XX/XXXX and I was not refunded until XX/XX/XXXX after repeated emails and calls that my rent was due and I would have additional fees. So I was charged a {$150.00} late fee and my landlord was going to start the legal process if I didn't pay by the XX/XX/XXXX and the representative XXXX didn't seem to care about my hardship so I reached out to her supervisor XXXX and it took time for us to connect via email. Between now and then I have tried to call him and was not able to reach him. Honestly, there was one appointment that I missed due to my grandma 's passing but we scheduled another appointment today and I called him at 2 numbers and he is not answering. And finally, even though I have been reaching out to him thru email they sent my account to an attorney collection office and I received a letter this week. I can't afford a high monthly payment but do want to come to an arrangement and the company to be fair about the fee I was charged due to their mistake and all the stress they caused me when they mistakenly debited my account TWICE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: AR
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 received a couple of bills in the mail stating that I needed to make a payment for a loan. I don't owe a loan. I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two loans  and a couple of other fraudulent items that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED  XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Navient Solutions, LLC.
State: FL
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 a loan with XXXX XXXX and XXXX XXXX/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX and XXXX XXXX/NAVIENT with no successful resolution. XXXX and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
NCB Management has called my place of employment after on the XXXX website I was ensured that my job would not be called for any reason. My phone rings 4 to 5 times per day with these people. If I dont answer they should just report the debt to my credit report. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter a few years ago from CREDITORS DISCOUNT & AUD about an outstanding debt that was being collected. I did not recognize the debt and had no idea what the letter was about - to my knowledge I did not owe anyone any money, and I had not been contacted by any party about a missing payment. 

I called the number provided in the letter, and spoke with a customer representative. I told her that I was disputing the payment since I did not recognize it. I also asked for additional documentation, saying that if indeed I had missed a payment I would be happy to pay, but that I needed more information to verify what payment this was about, from when, and whether it had not been settled. She told me my dispute was recorded, and she assured me that there would be no adverse effect for me or on my credit scores. I never received any further communication from the debt collecting agency, and I have not received any further information regarding any missed payment/amount owed. 

A few days ago, I applied for an auto loan and given my 800+ Fico score ( I pay off my credit card balances on time ) assumed it would easily be approved. But when it was rejected, I looked into my credit reports and found a collection reported. I still do not know what this is about, I have not received any information or communication regarding it, and I suspect I have been subject to fraudulent activity. I have disputed the collection with the credit rating agency ( XXXX  ), but would appreciate help finding a solution to this.

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 2018-11-20
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE A COLLECTON FROM GRANT MERCANTILE AGE ACCOUNT NUMBER XXXX THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, I DO NO NOT OWE THIS COMPANY ANTHING AND I DONT HAVE A CONTRACT WITH THEM, IM GON NA SUE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
3 inquiries were done by Capital One Auto Finance on the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I recently discovered the unrecognizable Inquiries on my credit report and called the number listed on my credit file ( XXXX ). They answered and told me to call XXXX. I called XXXX  and they stated I needed to call them to get a letter of deletion and I told the XXXX rep that I already called and they didnt have the proper information to verify the inquiry. The XXXX rep told me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

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 2020-06-30
Company: EQUIFAX, INC.
State: NJ
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:
In Previous complaints Filed with the CFPB Equifax, I placed complaints for both inaccurate invalidated information being reported to their bureau. Equifax alleges that they sent me a copy of the credit report but it's been 4 months and have not received anything in the mail at all. 

Their response was : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit XXXX. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products. 

I have received nothing but the same automated response for request for more information. If Equifax fails to comply with sending a credit report or validating inaccurate items, I will be forced to take legal actions for misappropriation, lack of full disclosure and violations of the FCRA for every item listed where there is no contract and they choose to ignore which will be beyond the minimum of {$1000.00} per violation. 

Please encourage this company to DO THEIR JOB and send a copy of the credit report for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called the banking institution on XX/XX/19 to see why my account was negative. I spoke with a agent who stated it was because If a transaction totaling XXXX. He stated it hit my account at XXXX even though I used the XXXX service on XX/XX/19 when my direct deposit hit. The agent said he didnt know why the delay was but some merchants would take a few days. I said ok what will need to be done? He stated I could make a deposit before XXXX and I would not incur a fee. I did as instructed and my account was positive thinking that fixed the problem. I check my mobile banking today and saw a NSF which posted today, I called today XX/XX/19 and spoke with XXXX who went back and forth with me saying my account was not positive even after I stated what was said and that my account was positive. After going around and around I asked for a supervisor. He stated the supervisor was on another call and to hold on. He comes back to say the supervisor said he could do a partial of XXXX seeing as how I have gotten XXXX reversals this year. I only asked that the mistake on the banks or systems part be acknowledged because I did what I was supposed to do, in making the account positive. I was hung up on, and when I called back I got XXXX who did not want to tell me it was him, but I was eventually connected with a supervisor, the supervisor or whomever he was- stated I declined the partial and I said yes because it was not my fault and all I asked is for someone to take responsibility for the error. He tells me that I had gotten XXXX reversals well A LOT as he said, and there was nothing more that could be done. XXXX insulted my intelligence and then to be told that I had gotten a lot of reversals? To me this was unacceptable. I valued my relationship with BBVA but the experience today made me feel like XXXX. I have never had a issue with the bank and they had always made me feel like they cared in the times past whenever I had a issue. I told the supervisor I didnt want them to do it for me, all I asked is they they admit they made a error. The banking relationship is damaged at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a current mortgage with Chase. I have been trying to work within the Chase organization to resolve the multiple issues of their Escrow practices. I have reached out to all departments for over XXXX years with absolutely no assistance whatsoever. I have accumulated documentation that needs to be seen. 

Since the re modification of my loan on XX/XX/XXXX, I have had forced insurance in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and partial of XX/XX/XXXX. I have had increased mortgage payments annually since XX/XX/XXXX to date. The reasoning has always been an Escrow shortage. I have exhausted all attempts to rectify the situation with Chase. 

I have a XXXX pages of internal documents, that need to be shared. Chases accounting practices and Escrow analysis are completely fabricated. I am not the type of person who normally reaches out, but in this case Chase has left me absolutely no choice. If you would like to view the documents and their accounting sheets they have sent me please contact me and I will send them to you, with in depth information about the situation. My hope is that someone of your stature with assist with actions needed to be taken. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Federal student loans to attend law school. My diploma has been withheld since XX/XX/XXXX because I allegedly did n't pay tuition to the school. That bill was discharged in Ch XXXX filed in XX/XX/XXXX. Actual student loans were not discharged although I asked for it because I was never given my diploma although I graduated. My student loans are now at over {$160000.00} for a degree I never received. This year my payments were tripled to {$350.00} a month. I can not pay and applied for forbearance which has been repeatedly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, after several conversations with Quicken Loans ( the holder of my current mortgage ) in which it was established that they did not a have a mortgage product with terms as good as my local credit union, my wife and I received yet another call from Quicken Loans from XXXX who presented herself as someone in the customer retention department who could review the rates and perhaps lower them to retain us as customers. We mentioned several times that we did not want her to run our credit unless she had a rate that was acceptable. After a lengthy conversation she indicated that ( subject to our credit score ) they would be able to offer a mortgage of {$720000.00} for 30 years at a fixed rate of 3.65 % with no points ( we had been offered the same mortgage at 3.5 % at our local credit union ). We decided that since it was such a small difference and we were already customers of Quicken Loans, we would allow her to run our credit and begin the process ( our credit scores were both above 800 ). She ran our credit within a half hour of that call and called us the next day to explain that because it as a " Jumbo '' mortgage, the best they could offer was 4.85 %. In other words, they never had a mortgage to offer us at the rate they indicated and they ran our credit under false pretenses ( everyone in the mortgage business should be aware that a mortgage above {$480000.00} is by definition a jumbo mortgage ). We requested that they remove the " inquiries '' from our respective credit bureaus, as they had not been honest. The next day we received a call from XXXX XXXX ( Sr resolution analyst ) and we explained the entire situation to her and she agreed to review the recordings and get back to us. She called on XX/XX/2019 and said that they would not be removing the inquiries from our credit bureau, as she heard us both authorize the inquiry on the recording. 
We authorized Quicken Loans to run our credit under the false pretense that they had the mortgage product we discussed at length to offer us ( subject to a credit score above 740 and obviously the property appraisal and the rest of the long list of requirements for a 30 year fixed rate mortgage ). This inquiry ( as all credit inquiries ) had the effect of lowering our credit score. In our particular case, there were no consequences as we have already been approved for the mortgage at our local credit union ( and they just lowered their rate to 3.375 % ). Had this been done to someone whose credit score was only marginal, it would cost them thousands of dollars in interest or perhaps prevented them from obtaining a mortgage from anyone other than Quicken Loans. 
I hope this practice is illegal, because it is most certainly unethical. My wife and I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Chase offers fee based Credit Card product in partnership with BritishAirways. The rewards program as part of the product is quite misleading to consumers and to certain extent fraudulent in my opinion. The product charges {$95.00} annually and used to provide 1.25 times reward for every {$1.00} spent. Chase changed the terms of the rewards arbitrarily without any change to the fee structure charged annually. It now offer XXXX reward point to every {$1.00} spent which is similar to many other cards which are fee free. Also the card provide free companion ticket if one spends $ XXXX in calendar year. I rushed to meet this spend level last year to claim the free companion ticket. Later found out that this is completely fraudulent. When try to book the ticket using this voucher, there are no availability for the entire 12 months of 2016 if I try to use the free companion voucher. Then I decided to not use the voucher it shows up very limited availability where I need to spend XXXX reward points and pay additionally $ XXXX for XXXX tickets. The regular pricing for such tickets is of the order of $ XXXX. This means Chase offers you reward points however they are useless currency. I have already complained this to chase but I have no faith that they will review their rewards program with BA and aptly compensate me and many such consumers. This is false advertising and should be clearly communicated to consumers when Chase advertises the rewards program to it 's consumers. 
I think I have paid un-necessary annul fee for product that did not offer me anything in return. 

Also, the british airways rewards prograAt the time of sign upis quite fradulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: U.S. Auto Sales Inc.
State: GA
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:
Vehicle was stolen XX/XX/XXXX it was deemed a total loss and paid for by XXXX XXXX XXXX on XX/XX/XXXX. XXXX has on my credit report that Im over 90 late and I owe a balance of {$12000.00} dollars and this is preventing me from closing on my home next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR FINANCIAL ASSISTANCE ON MY FHA LOAN WITH PENNYMAC, I WAS RECENTLY DENIED STATING THAT PENNYMAC DOES NOT HAVE TO FOLLOW FHA GUIDELINES. I ASKED WHY AND THEY SAID THAT THEY ARE THE INVESTOR OF THE FHA LOAN AND THEY CAN MAKE ANY RULE AND NOT FOLLOW FHA GUIDELINES. THIS IS ABSURD AND NEEDS TO BE CORRECT AS I HAVE READ THE 1009 PAGES OF THE FHA GUIDELINES AND IT STATES THAT IF I HAVE MADE 4 PAYMENTS AND HAVE HAD THE LOAN AT LEAST 12 MONTHS SINCE ORIGINATION WHICH ALL HAVE BEEN MET I CAN BE REVIEWED. HOWEVER, PENNYMAC STATES THAT THE ABOVE STATE DOES NOT APPLY TO THEM BECAUSE THEY ARE PENNYMAC. I HAVE ATTACHED THE PAGE FROM THE FHA GUIDELINES TO SHOW WHAT PENNYMAC SHOULD FOLLOWING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Consumer Portfolio Services, Inc.
State: IL
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:
I have been contacting CPS, who appear on my credit file as CPS numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.

Company response to consumer: Closed with explanation