BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My problem with the creditor was multi-faceted, and quite arduous. I originally opened an N-rewards credit card through Navy Federal Credit Union in XXXX while I was in the XXXX XXXX. In XXXX, I became XXXX for a short period of time, and was unable to work due to a chronic lower extremity problem that required XXXX to fix. Also, as many people did during the XXXX recession, I had EXTREME difficulty finding work. 

I contacted XXXX XXXX several times during this hardship which was ongoing until very recently, and asked for temporary hardship deferment. There were periods of time where I was awarded deferment, however there were also periods of time when I was refused deferment because I had no income. 

Navy Federal Credit Union does not offer hardship deferment or forbearance to members who have no source of income. 

This persisted on several occasions. There were times when I would not make payments for months because I did n't have the money. ( I survived on family assistance. ) Creditors would ask me how I was paying for my cell phone. How I was living at my address. They would say on several occasions that XXXX should do what they say they 're going to, and live up to their expectations. This verbal abuse occurred whenever I answered their calls. 

Over the course of this time, I went back to college, and used my XXXX XXXX. I worked XXXX jobs in order to attempt to pay the account down, but compounding interest on this account kept my NFCU account rolling over with another credit report each month. 

Over this time, my other debts were paid, with XXXX Bank and XXXX XXXX. I was given low interest opportunities through XXXX XXXX. They paid down those cards, and then paid them off completely with what I gave them. I tried to have XXXX buy NFCU 's  debt, but Navy Federal blocked the request several times. 

In XXXX, without warning, my account was charged off during a period of unemployment that I recently had. Before the debt was assessed, I immediately requested a loan from family members for the remaining {$1000.00} balance that I had been paying on for 11 years. I paid it off the next day. However the damage that NFCU has caused to my credit rating for their unruly and unpredictable business practices is still there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: CA
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:
The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One to XX/XX/XXXX One to equifax And one to XX/XX/XXXX And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: UMB FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received a paper statement from UMB associated with my HSA Account that is arranged with UMB through my employer. UMB does not disclose to its customers that it charges a {$1.00} paper statement fee. Additionally, on its Statement, UMB provides no phone number or website address for customers to gain information about one 's account. This is curious because there is a section on the statement that states, " In case of errors or questions about your electronic transactions, please call us or write us at the phone number or address shown on this statement as soon as you can. '' I found UMB 's contact information through a web search. There is no information readily accessible for users who seek to understand more about the paper statement fee on UMB 's website. One must first enroll in online banking and then dig deep to gain information about the paper statement fee ; a user has to go to a page of " Frequently Asked Questions '' to find out information. The fee is not disclosed anywhere else. I see this as a violation of Regulations DD and E and potentially of Section 5 of the Federal Trade Commission Act and components of Dodd-Frank that address Unfair or Deceptive Acts, Abuses, or Practices. I can readily afford the {$1.00} they charged me for paper statements, as I am sure most depositors can ( who have an HSA Account ), and I believe this is precisely why UMB is clever about their fee assessment practices. They should refund all customers this fee that they have charged without disclosure or explicit instructions as to how one goes about avoiding the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Midwest Fidelity Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter stating I owed a debt to a company named XXXX XXXX XXXX on or about XX/XX/2019. On or about XX/XX/2019 I responded asking Midwest Fidelity Services to verify the debt as I did not believe I owed any company named XXXX XXXX XXXX. On or about XX/XX/2019 I received correspondence back with a print out of a non-signed contract with my name typed in the signature line. On or about XX/XX/2019 I responded back to Midwest Fidelity stating that what they provided does not prove the debt exists, is valid, or was taken out by me. That again, my name was typed in the signature line, not signed, that the company XXXX XXXX XXXX lists a XXXX XXXX XXXX address and is not licensed to make loans in Tennessee, and that the amount of the loan had an APR of 434 % which is illegal under Tennessee law. I asked that the company remove any negative listings on my credit report but I logged in to check my credit report and they are listed. I checked the Tennessee database if Midwest Fidelity Services is licenses to collect debt in Tennessee and the website lists their application as pending. As such, they are trying to collect I do not owe, they can not provide any signed contract, and the loan that was allegedly made was done so by a foreign company in the XXXX XXXX XXXX who is not licensed to make loans in Tennessee and charging an illegal interest rate. It is also questionable that the company is trying to collect a debt in a state where their application is pending so they are not yet fully licensed to be engaging in this practice in Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company is not applying my payments properly. I have a simple interest auto loan with Wells Fargo and I have been making extra payments for almost a year now. They are not applying over payments fully to principle balance, they are dividing my overpayment between interest and principal. When I tried to resolve this with them they are telling me that I have to specify that I want the overages to be paid to principal but that is not an option on the website ( see below attachment ). After spending hours on the phone with the Presidents office they agreed that the payments are not being applied like they should be but will only fix back to XXXX even though I started the over payments in XX/XX/2019.

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 2019-02-26
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in XX/XX/XXXX and refinanced with XXXX  dba XXXX in XX/XX/XXXX which sold the loan to XXXX in XX/XX/XXXX. There have many different Servicers and the most recent on is Caliber. 

Caliber asked us to provide them evidence that we paid them during XX/XX/XXXX to XX/XX/XXXX, but they denied receiving it See evidence attached. They charged fees and expenses during my active Bankruptcy, which is presently in appeal before the XXXX Circuit and we are going to Court Ordered Mediation. ( ADR ) Per RESPA, TILA, FDCPA, FAC, CAL CIV CODE, etc. We requested further information from Caliber and XXXX XXXX XXXX, allegedly acting as a Trustee for the XXXX XXXX XXXX Trust, and they have failed to provide it and disclose detailed information about this Trust which we require for Mediation. 

We have also demanded a copy of their most recent Proof of Claim ( POC ) and rectification of what they have stated in the attached documents. 

Also, they keep attempting to foreclose on our property even though my wife has filed a Chapter XXXX BK and has an automatic stay in place. 

They have even sent drones and taken pictures of my family and home without our permission which is totally unlawful in XXXX. We filed a complaint with the XXXX Police Department with evidence, and they must now disclose the information of who was/were the individuals that flew the drone ( s )  over our home near the XXXX Airport, and deliver the originals to the Police Department in XXXX, or run the risk of any employee of XXXX XXXX DBA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CALIBER HOME LOANS, et al being arrested. We are in the process of filing a Temporary Restraining Order ( TRO ) against them. 

We await all the documentation requested as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I lost my job due to XXXX and began door dashing to try and recoup my income. I entered into a forbearance with the serviced and exited it on XX/XX/XXXX. Since then I have attempted to engage for a modification and have been unsuccessful as I am being asked to produce tax returns which I can not because I have not filed. I do not want to lose my home but feel like I am being given no choice but to foreclose or sell. I know Im eligible for a streamline option and would like to pursue that. I can afford my normal monthly payment and just need a fresh start. Why cant I get a streamline option like I know Im eligible for. Also why havent I ever been offered assistance through XXXX for reduced benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX  On XX/XX/XXXX, I logged into my XXXX account online to pay off a small loan that had a balance of approximately {$3000.00}. I made two payments on XX/XX/XXXX that paid off the loan. On XX/XX/XXXX, I received a Paid in Full Notification for the loan. Additionally, on XX/XX/XXXX, I received a financial activity summary that reflected that the loan was paid in full. 

I then received a monthly bill dated XX/XX/XXXX, stating that I have a balance due of approximately {$13.00}. I called XXXX  XXXX  on XX/XX/XXXX, and spoke with account specialist XXXX # XXXX, and informed them that I had already paid off the loan and had received two notices also to that effect. XXXX told me that she would put this matter " in review ''. On XX/XX/XXXX, I also submitted via online & fax a letter with the notices from XX/XX/XXXX and XX/XX/XXXX asking that XXXX XXXX review the loan and stating that i had paid the loan in full. 

I have submitted in writing and called a number of times, and still have not received an answer about my loan. I paid it in full 2 years ago and I am still paying interest on the loan. It is ridiculous that I am getting misinformation and they will not correct the error. The fact that I can pay off a loan and then be told 1.5 years later that it wasn't paid is gross mismanagement and completely dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my collection I called they couldnt verify the account I gave all my info. I need this off my credit report because this isnt my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: NY
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 sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX  a copy of a computer print out with no record of the payment from NYS Department of social services and it  was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet  this remains on my XXXX and Experian reports. XXXX has consumer disputes and Experian does not.

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 2020-11-24
Company: Sequium Asset Solutions, LLC
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:
In the response to my original compliant, Sequium Assest Solution response was Sequium Asset Solutions , LLC is a collection agency representing XX/XX/XXXX XXXX University in association with a collection claim on original account number ending in XXXX ; our account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. The account has been placed in a disputed status and verification of the debt is being requested from our client and will be mailed to the address on file. Collection activity will cease providing you time to receive and review the validation of the debt provided by our client. 

This account need to be removed from my credit URGENTLY or I will seek legal action!!! Ceasing collection activity is NOT a problem OR SOLUTION TO MY COMPLAINT AS THE COMPANY NEVER CONTACTED ME TO BEGIN WITH ( AS THEY ADMITTED IN THEIR RESPONSE ). 

PLACING A UNVERTIFIED DEBT ( AS THEY ALSO ADMITTED IN THEIR RESPONSE ) IS ILLEGAL. THE REPORTING OF THIS ACCOUNT IS NOT RIGHT. 

The Fair Credit Reporting Act PROHIBITS credit bureaus and collectors from furnishing incorrect and unverified information on a consumer reports, this account is admittedly not verified. Also as stated in my original dispute, XX/XX/XXXX XXXX is a result IDENTITY THEFT. Legal documentation of such identity theft has been provided go XX/XX/XXXX XXXX and Sequium Assest as well as ALL credit bureaus.. REMOVE THIS ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-04-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX & XX/XX/XXXX THE AMOUNT OF {$940.00} DOCUMENTS WERE SENT THREATENING TO HAVE THEIR ATTORNEY CONTACT ME TO SUE ME. I RESPONDED Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-04
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ocwen Financial Corporation & XXXX XXXX XXXX is running a risk on my consumer report. I don't know what is really going on. This is damaging my character. The credit report number looks deceptive and suspicious. I need you guys to address this. This is preventing me from growing, there are multiple mistakes. My identity has been compromised. I need resolution for this inaccuracy. I deny any and all claims. I spent a ton of time on the phone XX/XX/XXXX seeking a solution and I keep getting the runaround about this alleged debt, nothing has been clear or conspicuous. This is unfair and I haven't been acknowledged about my notices and they haven't made the necessary changes. I want this removed from all consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: BTH Management
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I took a payday loan three of four times and was paid in full ... after the fourth payday loan the amount and fee was high. I Asked if this will help my credit score because i had payed good four times and they advise they dont report to credit berues agencies so since i was on the forth loan with a high amount or because they traped me to get the loan i asked '' so if i cant payed it they wont report me '' ... cause it is not fair if i pay they will not report it but if i dont pay for it why reported if they dont report when the accounts are payed ... i think is unfair..named is XXXX XXXX XXXX XXXX XXXX XXXX off XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX ) XXXX and this is who reported me without authorization from me or not knowing i already payed four paydayloan ... .s and want to report them ...

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 2018-04-17
Company: JPMORGAN CHASE & CO.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am XXXX XXXX who bought a XXXX XXXX XX/XX/XXXX and between XX/XX/XXXX andXX/XX/XXXXXX/XX/XXXX. It was brought to my attention of the lawsuit against XXXX XXXX XXXX XXXX ( I didn't receive a letter ) Being XXXX XXXX and have purchased a XXXX during the timeframe stated. I am entitled to a repayment from a XXXX XXXX settlement because I wish charge higher interest rates then white car buyers I don't have an open account would XXXX XXXX XXXX XXXX based on the complaint against XXXX XXXX XXXX XXXX I am still in titled an eligible for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 my chime bank account was accessed by Either XXXX XXXX, XXXX XXXX, XXXX XXXX then transferred my paycheck {$450.00} to XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation