BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: Mortgage Research Center, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Complaint on Veterans United Mortgage for handling of escrow account. We purchased home in XXXX, the prior owner had home for only 5 months, they were an LLC with no property exemptions. We have mortgage, homestead and XXXX veteran exemption. We have provided all proof to Veterans United and their servicer, the proof was documentation from the county, the readjustment from the county and the phone number and business card for the county auditor to confirm. Instead of correcting our escrow- they did a new analysis and raised it even more based upon the prior owners tax status not ours. I called back again to escalate, and no one followed up, no communication. I called again, and was on phone for over 30 mins- and told they haven't paid my taxes yet. Can't tell me when they will. 
I have tried to correct this since the application process and no one has handled it properly from application, closing and post-closing. 
We want the escrow corrected in the proper manner- our taxes are 1/2 of what they are using.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Union bank charged me around {$120.00} worth of over overdraft fees. They charge two separate fees for the same overdraft. {$33.00} plus {$6.00}. All due to the monthly charge they billed me for ( {$10.00} ) because I was on XXXX and not receiving regular direct deposits from my job ( which I was not informed I would be charged the fee and I have had my account since 2016 and went through periods without direct deposit and never had to pay before ). One {$25.00} payment ( which I was depositing the money until I saw I was negative {$10.00} that night and could not speak with a representative until the morning ) and a {$10.00} monthly fee, cost me around {$120.00}. They submitted this payment 3 times. I think this place is the greatest public agency established to date. I actually wrote a letter to Mr. XXXX about XXXX XXXX doing this when the CFPB got started. Shortly thereafter, his team ( all of you, thank you for your service ) investigated and XXXX XXXX wound up in big trouble. What Union Bank is doing is wrong and they should be punished just like the other financial institutions.

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 monetary relief
Consumer complaint received 2018-03-13
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated from XXXX XXXX in XXXX, MI in 2003, although for some reason it is not on your list. Navient has proven to make it extremely difficult to repay my loan as they only accept a limited payment option by debit or check only. I was on disability for 7 months and they would not send me the proper paperwork. My loan balance for graduating now 15 years ago is still totally over {$20000.00} dollars. I find that very hard to believe considering is was a 2 year XXXX college. I tried recently to get my transcripts from XXXX  who is supposedly servicing XXXX students. I paid {$10.00} only to receive a measly certificate with the name of my degree. Right now employers do not even recognize XXXX as an accredited college for education. So my degree is worthless. I'm looking for a loan discharge as I feel that this is fraudulent, and are prepared to take legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
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:
I have accounts on my credit report for XXXX that are not my accounts. These accounts were opened up without my knowledge and are fraudulent. The accounts are listed below. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of 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 2021-01-22
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a XXXX chevy silverado on XX/XX/XXXX at the chevrolet dealer in the city of XXXX california for the amount of XXXX with a very high interest of 13.39 giving a total of XXXX including the initial payment for a period of 60 months. The loan was financed by the XXXX XXXX XXXX. The final payment of XXXX was made on XX/XX/XXXX when I called to ask about the title they told me that on XX/XX/XXXX I received it by mail and I called them many times and they only told me That the state sends them an error and they don't know what it is, therefore, today, XX/XX/XXXX, I called them because I did not receive it and they only told me the same thing that the state sent them an error and they hung up the call.

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 2019-02-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX Chief Executive Officer and President of Select Portfolio Servicing SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : SPS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MIN # MIN XXXX Property : XXXX XXXX  XXXX XXXX, XXXX Fl XXXX DISPUTE LETTER I am writing you to dispute the following information found in my mortgage. 

Since XXXX  XXXX XXXX was the servicing Bank of my loan, mi mortgage with XXXX XXXX XXXX XXXX, was erroneously assigned to a Pooling and Servicing Agreement that have never been part of XXXX XXXX XXXX XXXX assets, according XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : 1. On XXXX XXXX  XXXX XXXX erroneously assigned XXXXXXXX XXXX MIN # XXXX. Mortgage was executed on XX/XX/XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX, the assigned erroneously to XXXX XXXX XXXX Home Equity, Series XXXX by servicing bank, XXXX XXXX XXXX . On XXXX the servicing was transferred to SPS. 

I am therefore requesting that SELECT PORTFOLIO SERVCING open an investigation regarding this matter and correct, update my mortgage information, as quickly as possible and stop any WRONG FORECLOSURE # XXXX active, under such false information. 

Enclosed you will also find copies of XXXX XXXX MIN # MIN XXXX. 

This error has caused innumerable damages to me and family. 

Failing to fix this XXXX XXXX information in the above matter you may be liable for your errors under your servicing from XXXX to present. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ( XXXX ) 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 2018-08-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase offers Price Protection coverage. Upon submitting claims, the processor 's claims staff look for invented reasons to deny claims and use shifting reasons for denial such as : the words " Add to cart '' being cut off ; a copy of physical catalog which shows the available sizes and color inadequately showing which size was " selected, '' something impossible with a physical catalog ; the computer taskbar time not being legible despite the submission also showing XXXX 's stated time, date, and location when searching " time '' ( the claims staff state that only taskbar time is accepted despite that not being in the program terms and a system clock being easily edited compared to XXXX 's clock ). 

It appears that the processor exploits its discretion to invent reasons to request additional information from consumers. It knows that most consumers won't follow-up or can't capture the missing information because the competitive sale offering has already ended. Then after 60 days the claim can be denied for lack of the consumer following up timely to hide the nonsense reasons that led to the claim denial in the first instance. Effectively, this is a consumer fraud because the processor could detail all the information it requires in advance but instead relies on after-the-fact discretion. Further, the processor knows that there are finite pixels on a computer screen and there is only so much information a consumer can capture on a screenshot when webpages are designed for scrolling and information is not clearly requested in advance. Similarly, print catalogs only contain so much information. Ultimately, Chase offers a " benefit '' it knows it will not have to pay on. Chase intentionally uses a claims processor instead of an insurer so that the entity is not licensed by and accountable to any state insurance regulator. The insurance underwriter isnt processing the claims. CFPB is the only avenue for  consumers to get help. 

I spoke with customer service ( XXXX ), a supervisor ( XXXX ), and a manager ( XXXX ). The claims review staff argued many of these points with the manager who himself didnt seem to agree, but is obliged to yield to the XXXXlaims Examiner Management Team. 

I claimed claim numbers : XXXX ( {$7.00} - approved ), XXXX ( {$22.00}, increased to {$38.00} ), XXXX ( {$17.00} ), XXXX ( {$4.00}, increased to {$19.00} ), XXXX ( {$20.00} ), XXXX ( {$42.00} ). I will submit additional claims information if necessary. In total, accounting for increased claims, I claimed {$140.00} of which {$7.00} was approved. I request Chase be made to pay me the {$130.00} on these valid, unpaid claims. 

CFPB should investigate this program as it seems Im not the only consumer who has experienced nonsense reasons for denials and CFBP complaints have been filed by other Chase customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: WESTERN CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RECEIVED PHONE CALL FROM WESTERN CONTROL SERVICES XXXX XXXX LEFT A MESSESAGE DIDNT IDENTIFY WHO MESS WAS FOR BUT WAS A DEBT COLLECTOR. CALLED BACK XXXX XXXX XXXX  HE ADVISED I HAD AMOUNT OWED ON MY BILL TOLD HIM I HAD A DISPUTE ON AN ITEM WOULD GET BACK WITH HIM BUT WANTED TO TAKE CARE OF IMMEDIATELY TOO GET RESOLVED.XXXX XXXX XXXX AGAIN ON XXXX XXXX, 2019 DIDNT GIVE MINI MARANDA DIDNT WANT TO LISTEN TO ANYTHING I HAD TO SAY JUST AMOUNT WAS OWED TOLD HIM I WANT TO PAY BUT ID LIKE SOME MORE INFO HE SAID NO AND STARTED THREATING HE'D JUST REPORT TO MY CREDIT AFTER I TOLD HIM I WAS GOING TO PAY THE BILL I OWE {$380.00} TILL TODAY I HAVE NOT RECEIVED WRITTEN NOTIFICATION FROM THIS COMPANY. I'M GOING TO BE CONTACTING AN ATTORNEY IN REGARDS TO MY CONSUMER RIGHTS THIS COMPANY IS HARRASSING ME AND I ALREADY SAID WOULD PAY THE BILL. THIS COMPANY HASN'T FOLLOWS THE FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, INC.
State: VA
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:
The following accounts are fraudulent and my identity was used. I even have proof from the creditors and Equifax keeps believing them. Of course they are going to say it matches me, someone took my identity. 

- Medical collections account - XXXX XXXX XXXX - Both XXXX XXXX XXXX accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Mobiloans, LLC
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:
Hello! I have submitted disputes to each credit bureau for these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX access I did not open these accounts and i just realized their on my report.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a best buy credit card, citibank, since XX/XX/XXXX. I recently noticed that the balance of my credit card was not reflecting the different payments i was making. I made my investigation and realized that i was been charged a debt collection fee, that I didn't sign up for and that i wasn't aware of. I was more likely enrolled without my knowledge. I called the credit card customer service on XX/XX/XXXX, and asked for the service to be canceled, and i requested a refund at the same time, because i was enrolled in without my knowledge. I receive a pdf document on XX/XX/XXXX, notifying me of the successful cancellation, and i second document on XX/XX/XXXX, informing me that my request for a refund was denied. 
All i need is to get a full refund of my money, because i was not told about the enrolment, and neither did i give my approval to have it on my credit card.

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 2018-04-05
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: LA
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:
EXPERIAN WILL NOT BLOCK THE FOLLOWING FRAUD ACCOUNTS EVEN THOUGH THEY HAVE BEEN CONFIRMED TO BE FRAUD!!! THEY REFUSE TO FOLLOW THE FCRA. ALL THE REQUIRED DOCUMENTS HAVE BEEN SENT IN ON SEVERAL OCCUSSIONS PROVING THESE ACCOUNTS OR FRAUD!!! ALSO THEY KEEP SAYING THAT IM NOT THE ONE FILING THE CFPB COMPLAINTS!!! I AM 100 % THE PERSON FILING THIS COMPLAINT!! I KEEP GETTING BS GENERIC RESPONSES. EXPERAIN NEEDS TO BLOCK THE FOLLOWING ACCOUNTS AS THEY OR 100 % FRAUD.

1.XXXX XXXX/XXXX  2.XXXX XXXX XXXX  3.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 2019-02-20
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My original lender was XXXX XXXX XXXX ; this loan was considered a private loan that my parents took out to pay for my college education. XXXX XXXX XXXX had switched servicers to XXXX XXXX. The original promissory note I have, shows my father as applicant # 1/borrower, my mother as applicant # 2/co-borrower, and myself as student. This loan originated in XX/XX/XXXX. My father and I share the same name and I feel that has added confusion. My father always made the payments on this loan, as well as, collected tax documents and deductions on this loan, as the borrower. In XX/XX/XXXX, my father passed away from XXXX. My mother contacted XXXX and she was told about loan forgiveness. She submitted my fathers death certificate and she waited 32 days for an answer. Unfortunately, they did not approve the loan for forgiveness. Instead, XXXX has switched me, from student, to borrower and my mother stays as co-borrower. How did I go from being a student on a promissory note, to now the sole borrower? I have called XXXX, and it has been unsuccessful. I have requested documents including the denial letter stating why the loan wasnt forgiven as a result of my father 's death, the promissory note they have on file, as well as the loan terms indicating that I am now legally responsible for this loan. I have had no success in retrieving these documents. I have been told that I am not entitled to these documents from XXXX and to contact XXXX XXXX XXXX for the promissory note. I was told by a XXXX representative that the promissory note they have on file is not legible and she couldnt confirm who was supposed to be borrower/co-borrower. I have contacted XXXX XXXX XXXX, for a copy of the promissory note, by email. I was told by XXXX XXXX XXXX that they do not have the promissory note and to refer to XXXX copy. I have responded to their initial email, requesting more information and they have not responded. There is no contact information for XXXX XXXX XXXX, just an email address. I am doubtful of the information I have been given. I feel I should be entitled to a copy of the denial letter, as well as a legible copy of the promissory note. I would also like to see a copy of the loan terms indicating how I went from being a student, to now the main borrower. I want documentation, and feel it is my consumer right, to have proof that XXXX has that ability to change borrowers and to choose who is made responsible. Though Im hopeful for your timely response and subsequent resolution of my issues, Im fully aware of the 'not-so-positive ' reviews/feedback given to XXXX XXXX and, therefore, will be prepared to submit additional complaints to the XXXX XXXX XXXX , and the Ohio Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Southwest Credit Systems, L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX -- Contacted XXXX. Spoke with a rep who acknowledged the error and said he would take care of the issue. He never called back XX/XX/XXXX -- Contacted XXXX again. No assistance. Contacted the Corporate Office and was advised by Rep that the information should not been reported to the Credit Bureau since the entire amount was in error as XXXX continued billing me through XX/XX/XXXX even though I terminated services on XX/XX/XXXX when I moved to another state, I was told someone would call me in the evening, but I did not hear from anyone. 

I also contacted Southwest Credit Collections and spoke with a rep. She stated she could do nothing until she hears from XXXX. She stated she had not been contacted by XXXX so that the information could be removed from my Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
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:
As usual, Carrington Mortgage Services is publishing bad or incorrect information to the credit bureaus and my mortgage payment has fluctuated again. Please contact Carrington and have them remove, from my account, that I was late paying my mortgage in XXXXXXXX XXXX XXXX, as its being reported to the credit bureau as being late on XX/XX/2022, and that shouldnt occur until the 30 days. This company is rogue and continues to collect erroneous late fees after being fined by CFPB for their dishonest practices. They also reported XXXX payment as being late on XX/XX/2022. My mortgage payment also went up to XXXX from XXXX without cause. I dont trust this entity as I have stated to the CFPB before and I need your help. I appreciate your assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Possible Financial Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am sending this complaint. In reference to a payday loan that was initiated under my name due to identity theft. Apparently someone that has my personal information access this cash thru an app that you download on a mobile device. I have been told by XXXX credit report agency that the original loan amount was {$90.00} and that there is {$79.00} still being reported as owed. I have gave information of my identity theft circumstances to all 3 credit reporting agencies in 2017. This company did NOT protect my identity. This account was open fraudulently. I have attempted to contact them directly to file my dispute, and the contact information provided to me was a telephone number that is disconnected. 
Please contact them at : Possible Financial XXXX XXXX XXXX XXXX, WA XXXX the phone # is XXXX please verify that this number is disconnected and there is NO WAY for me to file a dispute with them directly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation