BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making regular payments of ~ $ 180/month on 2 loans which were consolidated after I stopped going to college in XX/XX/XXXXand my forbearance ended in XX/XX/XXXX. The total loan amount for the 2 loans was XXXX in XX/XX/XXXXat 4.875 %. I have literally been paying for these loans for 16 years and they have NOT reduced in amount due. The loan was sold from XXXX XXXX to another company and from that company to yet another. I have since lost track of how many times this loan has been sold but it is now owned by Navient who just recently sent me new paperwork regarding a forbearance which I did not have on my loan. They have now " updated my payment plan '' which puts me right back at owing the original amount to pay off for another 16 years. This loan should have been paid off years ago. I know I am being scammed and my payments are literally being stolen at this point. I have no idea how to stop this from happening and I do not want to have to pay yet another 16 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We joined & RV Park in XX/XX/XXXX& cancelled the membership back in XX/XX/XXXX. The contract reads if you do not pay dues your membership is cancelled. This was a very unsafe park for seniors. We spent a few days there back in XX/XX/XXXX & the manger got into fist fights in front of our RV as well as all kinds of cars into this park all hours of the day & nite. Not a safe place for seniors. There has been no dues paid to this park since XX/XX/XXXX. No contact what so ever with them. A few weeks a go they found this shady collection agency & they took the account & are now have put this our credit reports for {$330.00}. The statue of limitations ran out on this 4 years ago. This alleged debt is was opened in XX/XX/XXXX. The statue of limitation in Texas is 4 years. This collection agency is totally illegal. Its been at least 8 years since there was any contact made with this RV park. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: EQUIFAX, INC.
State: NC
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:
I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, Equifax and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the  negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, Equifax and XXXX  remedy these errors

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
sent ftc with police report and all the major violaiton

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 2018-08-17
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a letter to reduced my payments and whatnot. They are charging {$800.00} for a fee to file paper work for me, it is now seeming suspicious the longer I think about it. I am very concerned about my private information now. The company made me sign something saying no one had advised me not to make payments on my loan. AFTERWARDS, customer service began advising me not to make payments and disregard anything from my payment provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: USI Solutions Inc.
State: NC
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:
Ill be contacting the FBI. Yesterday I received a letter from a collection agency XXXX XXXX, inc stating that I owe {$1100.00} to USI Solutions for a debt originally belonging to XXXX. I do not owe any money to any source for any reason ... I have absolutely perfect credit and zero outstanding debt anywhere. I see nothing on my credit reports regarding this debt. I have absolutely no negative information on my reports. Out of the blue I received this strange letter offering To settle the debt for {$290.00} and Im told I have until XX/XX/20 to send payment. I never heard of this company and theres vague information in this letter regarding this mysterious debt. I searched online and this company seems like they are scamming a lot of people. The better business bureau pages are filled with complaints. I do not owe any money to anyone. I am not responsible for this debt and I find it alarming how all these companies have very little info on websites. All they have on website is a credit payment option and nothing regarding the bill I am being asked to pay. This is clearly a scam and I think these people need to be shut down fast. I know my right and this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account was opened fraudulently as a result of identity theft i have asked that the 2 accounts at fifth third be closed and any information associated with these account be removed from my credit files. The company Insists I made these charges because someone made a cash advance at a bank using my ID an SS number which was stolen from the wallet I lost months prior and was used to open the accounts with fifth third in the first place which they don't seem to understand. I have filed an identity theft report with the federal trade commission and including an advidaft of Identity theft with this complaint. I have also submitted this document to the major credit bureaus and reported the identity theft aswell i did not open these accounts and will not stop till my good name is cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had a prepaid American Express card that was issued by XXXX XXXX. In XXXX of 2018 my card was stolen by an individual I did not know. I filed a police report when I found out that they had used my card at several local places as well as online. I filed several disputes over the last three years with American Express, even sending copies of the police reports and online purchases that showed a different name than mine, and American Express continues to claim that the merchants showed these transactions were valid, even though they were not my purchases and that my card was in fact stolen. Camera footage also shows that the person using my card was not me. The person who stole my card was arrested and admitted to the crime ( all in the police reports submitted ) and American Express still claims that I am responsible for all these charges and will not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
See attached correspondence from sps servicing. In their letter they claim to be committed to home retention and are here to help. Their correspondence not only falls short but could not be more hypocritical. SPS is in receipt of complete financial package since XX/XX/2021 and never review the account for loan modification, nor provided an acknowledgment letter despite the fact that we qualify for standard loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Chase notified me that someone had changed the personal information on my Chase Freedom credit card. I filed a police report and placed a 7 year fraud alert on all of my accounts and told Chase to close my account in XX/XX/2017. I have also called Chase 3 times to tell them to close the account. The account still appears as " open '' on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: TN
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:
ACCOUNTS LISTED ON MY CREDIT REPORT THAT I NEVER SIGN FOR OR USED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold by XXXX XXXXXXXX XXXX to Carrington Mortgage company. I wasnt notified of the transfer and only found out the month after transfer when i called in to pay the mortgage payment. I then contacted carrington in attempts to pay the loan with them numerous times, in which they had and still have a lock on the account and will not allow me to pay the loan. They are now reporting the account as delinquent and have ruined my credit score behind a loan they wont allow me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Ocwen Financial Corporation
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
We are a XXXX  XXXX that preformed work for homeowner through their insurance company. The homeowner has a mortgage company that the insurance company had to attach to two checks for the mortgage company to endorse. The mortgage company has been supplied with all necessary documentation proving that the work has been completed. The mortgage company will not release the checks back to the homeowner to pay us. The work was completed on XX/XX/2020 and we sent the mortgage company a certificate of completion, up to date copy of W9, a copy of our business licenses and insurance, a copy of the signed contract between the homeowner and our company and photos of the before, during & after process of work performed. We have sent emails, faxes and have called every day to follow up with them and they will not process us payment. Please help us and the homeowner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: IL
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:
Experian report showed joint responsibility for a mortgage that has been assumed by my wife. I filed a dispute XX/XX/XXXX and received notice it was completed today. The item still remains on my credit report showing joint responsibility but with a note that shows I disputed it. I have documentation from XXXX XXXX explicitly stating that I am " hereby released of any financial obligation. '' That is not a description of joint responsibility for an 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 non-monetary relief
Consumer complaint received 2018-08-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is about BestBuy/ Citibank credit card. Here are the facts : 1. I made a purchase of {$2000.00} in XX/XX/XXXX that had 'no interest promotion ' for 18 months. The promotion ended in XX/XX/XXXX. 
2. In XX/XX/XXXX, I was charged {$1000.00} as deferred interest since the balance on 'no interest promotion ' was not paid in full. 
3. Between XX/XX/XXXX and XX/XX/XXXX, I made a total payment of {$4300.00} but these were not applied towards my 'no interest promotion ' but on my revolving credit. 
4. As a customer, I have right to decide whether my monthly payment should be applied toward revolving credit or free promotion. However, for some strange reasons, BestBuy/ Citibank website does not allow you to exercise this option online. 
5. As a result, being an online customer, I do not have this option to decide how my payment should be split and applied to what balance. The website also does not provide any information on how my monthly payment is going to be applied ( i.e. to what balance ). I think this is totally unfair and non-transparent way of conducting business. 
6. It is also worthwhile to mention that deferred interest is then applied to your regular balance and the customer then has to pay interest on deferred interest which is again completely unfair.

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 2018-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple hard inquiries on my credit report starting in the year XX/XX/2017 that I have no knowledge of. I see that these hard inquiries are affecting my credit score i would someone to help me investigate and remove these inquiries off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Just received a notification about a collection from XXXX XXXX on XXXX in the amount of {$160.00}. I have never received anything from this company and don't know who they are. I don't know what the debt is for and have never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
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: Account status incorrect

Complaint:
To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with XXXX XXXX XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, 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 non-monetary relief
Consumer complaint received 2020-05-12
Company: CCS Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
- I am currently making monthly payments to a hospital directly which are being accepted. 
- I received a notice from Credit Collection Services dated XX/XX/XXXX looking for payment. 
- I sent a cease and desist letter via certified mail which was received and signed for on XX/XX/XXXX. 
- The cease and desist letter was ignored and I received another collection letter dated XX/XX/XXXX. 
- The collection agency also attempts to call on a regular basis, going against the cease and desist letter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Shellpoint Partners, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2018 I called shellpoint to let them know that my husband was gon na be out work for 3 weeks and without pay. The guy I talked to said that was fine all I had to do was to spread out the month of XXXX over a 6 month period and my payments were XXXX at that time. So my payments would go up to XXXX a month starting at the beginning of XXXX. I said that would work. He referred me to someone to set that up. I called and left messages and no calls for several days. When I got the call it was after the XXXX and now Im 2 months behind. So to get my payments below XXXX. I had to pay XXXX. So I did. Now, she was suppose to call me the next day and did not. So when I received a letter in the mail showing my new payment of XXXX a month it was after the date of getting it done. So I went online to set up a 2 month payment in XXXX. Then, something told me to call so I did. When I called the lady I talked to told me it was all set up and all I had to pay was the XXXX. I was relieved. So I set the payment up for XX/XX/XXXX. I thought everything was fine. Then I get a call on XX/XX/XXXX saying they r attempting to collect a dept. I call her back the next day and she tells me they didnt receive the payment. Now it has been 3 weeks since the payment was suppose to come out. I have a confirmation number and a 2 letters confirming all of this. She said that it didnt matter and now to get my loan current I have to pay XXXX. Excuse me??!! Then she says if I can make 2 payments adding up to XXXX that would work and then for 6 months my payment would be XXXX and if I pay the fee of XXXX for someone that drove by to take a picture to prove I am still living here it would bing my payment down to XXXX. I tell her I can only pay XXXX. She says ok. Now my payments are gon na be XXXX a month. This is not right or fair. I called for help in time and now 3 months later my 6 month payment has gone fromXXXX to XXXX. There is something wrong with this picture??!! I believe they r giving me the run around to get more money out of me or something. I have received certified letter saying I have 45 days to comply as of today XX/XX/XXXX. What am I suppose to do. I dont want to lose my home we have been here for 23 years. Help me please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation