BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: RSVP Lending, LLC dba RSVP Loans
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The original creditors were predatory loans that I took out for a family member. I was contacted by XXXX several times and requested a debt verification letter. The letter was never sent. The representatives contacted me on my home, work, and mobile phone many times per week. After much pressure, I pulled my own credit and saw one account that I recognized and agreed to a payment arrangement for that account. While paying off this account, the representative told me that XXXX had another collection account that I needed to set up payment arrangements for. The representative assured me that as long as I made regular payments, the second account would not be reported. I paid BOTH accounts in full only to find out that the date of first delinquency had been reset to the date I actually paid them off ( XXXX 2018 XXXX. I sent e-mail messages and sent letters through the XXXX Postal service and XXXX has not responded. I called and spoke to a representative who told me there was nothing she could do. When I asked her to escalate my case she said that they do not have an escalation process. I disputed the information through all three credit bureaus and XXXX has confirmed and updated the accounts with inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My wife went to open a business account at Bank of America in XXXX, Utah. 

She was given a brochure that shows how an account says on the top no monthly service dee, but them at the bottom of that same account shows {$29.00} or $ XXXX monthly service fee if ... ... .. 

If an account is free of monthly fee at no condition then no monthly fee message should be disclosed, period. But if there are conditions, then they should say something like the bottom I mentioned before and not the plain no monthly fee option. 

It is a very misleading brochure.

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 2019-02-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was part of the Equifax incident in 2017. I received a monitoring service called XXXX XXXX as a result. Over the last several months I received emails from Equifax offering to extend the monitoring service at no cost to me. However, every time I click on their link and enter my information, it just logs me in and doesn't offer a means to proceed. I believe this is an intentional tactic Equifax is using to offer a service and not actually following through with it. I've followed their link several times and done what it asked ( logging in ).  Now I just received a notice of cancellation of XXXX XXXX service. 

I've emailed their email address but receive no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Have a loan for XXXX XXXX XXXX, I financed the vehicle on XXXX XXXX the mature date for the loan is XX/XX/2020. I called to ask for the payoff date and amount. I was blown away they said over XXXX was the payoff. The total price I be paying for this car with 22 % interest rate is XXXX. The loan and interest rate seem a little over priced and only benefit the company profits. I like this matter to be look into and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CL Holdings LLC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection Consultants is reporting a medical bill on my credit. I discovered it when I applied for a mortgage. I have never been contacted by Collection Consultants. They have NEVER made any attempt to validate this debt. They are not allowed to report on the bureaus until they have validated the debt per Fair Debt Collection Practices Act ( federal and state ). I had XXXX at the time and medical bills are 100 % covered. I confirmed this with the original medical provider. The original medical provider informed me there is no bill, that they just needed to correctly bill XXXX. I had coverage and I would have informed Collection Consultants that there was no bill but again. There was no effort to validate this bill. ANY medical bill from that time is disputed as I had 100 % coverage. I believe it also fell under the protection of my bankruptcy as the date of service is not XX/XX/2014. I believe that Collection Consultants is attempting to collect on a discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Asset Recovery Solutions, LLC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX XXXX. , owned two sets of my loans -- one through XXXX and another through XXXX XXXX . 
-I have been in communications with XXXX XXXX who was my account rep, about reaching a settlement agreement. In the meantime, I set up an automatic monthly payment plan, that I have been paying off for several years now. I was paying {$320.00} for my XXXX loans, and {$100.00} for the XXXX XXXX loans. 
-I noticed that money wasn't being deducted from my account in XX/XX/XXXX. So, I called XXXX, and I was notified that the money wasn't being deducted from my account because my automatic monthly payment plan permission, had expired, and I needed to grant them permission again. This was done verbally, by phone. More importantly, I was never notified in writing, electronically, or by telephone that my permission had expired. They also never notified me that I would need to do the same for my XXXX XXXX loans. Although, that week alone I had received several calls asking if I was still interested in reaching a settlement agreement. 
-In XX/XX/XXXX, I received notice from a new debt collector that they were now in possession of my XXXX XXXX loans.

-When I called Asset Recovery Solutions, they informed me that they sold my loans because I had not made the {$100.00} dollar payment since XXXX months.When I inquired why it hadn't been automatically deducted, they said my approval had expired. They never notified me of this by telephone, email, or in writing. They also never notified me that I had missed any payments. I asked why they hadn't notified me, given that they had my contact information. The rep on the phone said that they only updated my telephone number for my XXXX loans, and not for my XXXX XXXX loans-which was a clear oversight on their end. Regardless, they also had my email address and mailing information, but failed to notify me using those avenues. 
-I called again, and got in contact with XXXX. She said it was not Asset Recovery Solution 's responsibility to notify me that my loans were being sold. 
-When I asked whether they could reclaim my XXXX XXXX loans, so they could be under one debt  collect, they said no. 
-I was in the process of reaching a settlement agreement for all my loans for a down payment of XXXX dollars. Now, I'll need to begin negotiations terms with both debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i have received a call from a company by the name of XXXX . They initially called from XXXX on XX/XX/XXXX at XXXX. I called back to try and find out what the company was and why they were calling as i do not have any business with any companies called XXXX nor does this company sound familiar in any way. on XX/XX/XXXX told them i could not disclose my identity to them because i do not feel comfortable not knowing who they are calling on behalf of. They refused to disclose who they were calling on behalf of which they must do. I do not have to compromise my identity or ANY of my personal information to any company without knowing who the creditor is. I received a call from them again today from XXXX a rep answered the phone and again tried to trick me into identifying myself. I refused again and explained that i did not feel comfortable disclosing my identity until i knew who they were calling on behalf of which is outlined in FDCPA guidelines. The rep then transferred me to a supervisor, who was for lack of better word " XXXX '' and rude. She as a supervisor should know that before a client identifies themselves thy have the right to know the creditor. I explained to her that if she did not tell me who the creditor was i could not identify myself because there are far too many scams going on and i am not familiar with the business. She still refused and i then told her that i would make a complaint for the FDCPA violation she then hung the phone up on me because i refused to identify myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank has closed my account and has not release my funds. My account was closed since XX/XX/XXXX, to date, it is XX/XX/XXXX. I have previously filed a complaint with CFPB regarding this issue however Citibank has not rectified the problem.

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 2019-02-01
Company: Navient Solutions, LLC.
State: FL
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:
Navient reported me as 60 days delinquent to the CRAs in XX/XX/XXXX ; however, if you look at my credit report you will see that they reported me as current for XX/XX/XXXX. One can not go from being current in one month to being 60 days past due the following month. Either Navient incorrectly reported me as current in XX/XX/XXXX OR Navient incorrectly reported me as 60 days late in XX/XX/XXXX. It is not possible that the company 's records substantiated both records at the time they were furnished. 

This illogical reporting calls into question the integrity of Navient 's reporting and whether it accurately reflects the terms of liability for the credit account as well as my performance and conduct with respect to the account. 

I question the status of my loan that Navient reported to its Board of Directors in those months where they designated me " current '' on my credit report but charged me late fees, which I just learned they have done 30 times in the past two years despite me having made payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Im trying to contact them. I used the automated service when it says to hit # 5 for customer service it goes right back to the main menu. It doesnt allow me to go through to customer service. They raised my payment on my escrowaccount and trying to resolve this matter. Im getting extremely frustrated that I cant contact anyone on this matter. Ive called them 4 times in one week. Waited on the phone for 35 mins ....

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 2020-11-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase has not credited me {$390.00} for a refund from XXXX on XX/XX/2020. The refund was sent to a closed credit card. Chase said they would send me a check. No check arrived. Chase said they purged the credit card ( meaning they deleted all information, including the refund ). Chase said they will not credit me {$390.00} now. I have the refund receipt from XXXX still.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2018, I noticed Wells Fargo put a negative mark on my credit report because they stated I didnt make a payment on one of my school loans. I made the payment but it was posted to the wrong account. I contacted XXXX XXXX XXXX XXXX and they refused to remove it off my credit score and this dropped my score by 70 points, and Im trying to refinance my loans. Can you please assist me in getting this corrected

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 2018-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home inXX/XX/XXXX. Our mortgage was with XXXX XXXX XXXX but, it was sold to Select Portfolio Servicing. Due to the housing crash inXX/XX/XXXX as well as a poor economy we have struggled with the mortgage payments since the beginning. We own our own business. Shortly after Select Portfolio Servicing purchased the mortgage from XX/XX/XXXX we tried a modification. The process was a complete disaster. After 6 months of sending the same information to Select Portfolio ( ex : I would send what was requested, I would be told they had everything for their underwriting dept, I would check back a week later only to find out something else was needed. After 90 days I had to send a new packet and the process started all over again ) we finally gave up on the first modification and have tried to keep up with the payments. Unfortunately, we were not able to make our payment inXX/XX/XXXX. We have missed 3 payments ( we were able to make a payment last month - I was told this would keep us out of foreclosure status ).

The second loan modification was started XX/XX/XXXX. I contact SPS about every 10 to 14 days and every time I contact them there is " something else needed ''. I verify with the representative that what is needed is all that is needed and their response is " yes ''. The last time I called I was told the bank statements I sent over at their previous request did not have the deposits circled and they could not tell what deposit to look at. These bank statements had 1 deposit on each of them! and this was the deposit information they were needing. When this modification was started I was told by SPS that they had improved their modification process and had been very successful at helping their clients.

We were provided with a direct contact for each modification. It was the same woman. I don't believe she exists. We have never spoken to her. She is never there. The last time I called I asked to speak to someone in underwriting and I was told that the underwriting department does not have telephones. I was not allowed to speak to anyone in underwriting. We don't have a loan officer to speak with. Every time we call we get someone in a call center.

We have requested a modification. If this is not possible then, allowing us to put some of the mortgage payments we are behind on at the back end of the loan could be an option.

I don't believe SPS has any intention or providing a modification or a payment arrangement for us. We understand we are at their mercy. What I don't like is their misrepresentation of the modification process and how we are being treated.

We have tried selling our home in order to get out of the mortgage debt but have had no luck. Our home has been up for sale and is currently up for sale in the hopes that we can sell it before we are foreclosed on. We do want to keep our home however, if we can sell it and payoff the mortgage then both SPS and us are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient consistently call me for volunteer deferment payments but also back date payments so it appears that I am delinquent. Then they start the arresting phone calls and misinformation games.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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:
Credit bureaus reporting XXXX XXXX XXXX FOR {$880.00}. I sent my first dispute letter to all 3 credit bureaus on XX/XX/2020, the 2nd letter on XX/XX/2020, XXXX letter XX/XX/2020 and 4th letter sent on XX/XX/2020. Each letter sent was certified mail with affidavits attaches each time. I was challenging the validity of account for a XXXX XXXX account. I started with the credit bureaus ask them to validate the information and every time they stated correct but never provided any information just would update the remarks on credit report as meets standards. I also reached out to the collection company filing a debt verification on XX/XX/2020 and asked them to verify the debt but after 30 days no response from XXXX XXXX. Attached you will tracking information of letter being sent certified to XXXX XXXX  with return receipt. while looking at my accounts I noticed that the " Dates Open : varied on credit report and " Dates last active '' also vary on my credit report. I believe I have exhausted all my resources and have not received a sufficient response from collection agency or credit bureaus. At any point during my request has anyone provided any information or updated me properly on what was found so I could understand why this account is valid. At this point I'm trying to purchase a home and improve my credit situation but as I reach out to the credit bureaus I have receive no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind in our mortgage with Seterus , Inc. who was bought by Mr. Cooper. I have spoke to our representative who advise us to send payments in and they will put it into an expense account which we have done. Ive asked for a repayment plan to avoid any forecloser and they advised we need to do this. Now when I check our account the money we sent them is coming back to us. We can afford to be on a repayment plan. 
In the past couple of years I havent had the opportunity to work in the summer. Im now working 2 jobs as well as my husband. We are able to make our monthly payments which we have been doing we just need to catch up on the 4 months were back and would like to add to our monthly payments over 6 months to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX  profile is updated with showing my current credit utilization and recent payments for the month of XXXX, but Equifax and XXXX is not updating my two open accounts. The information is not changing and only staying the same. 

I am making payment and keeping my utilization low but XXXX and Equifax is failing at reporting my currents updates. They are not reporting or updating my profile like they should and how XXXX is.

Company response to consumer: Closed with explanation