BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: Navient Solutions, LLC.
State: FL
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 learned that Navient was reporting student loans that I have no knowledge of to credit reporting agencies. This was first brought to my attention in XX/XX/XXXX by a bank, when I went to attempt to purchase a home and on XX/XX/XXXX, I checked my credit and saw a huge drop in my credit score caused by Navient ( amount of $ XXXX ) in addition to XXXX the bank made me aware of. On XX/XX/XXXX I contacted Navient and after providing them my address and phone number, found out there were apparently several different phone numbers tied to my social security number/account. Navient stated that I had co signed 5 different student loans with disbursement dates of :XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX( {$2000.00} ),  XX/XX/XXXX ( {$3500.00} ),? XXXX ( {$4000.00} ) and XX/XX/XXXX ( {$7000.00} ). They informed me that these were private loans and that I signed a promissory note that I know for a fact I DID NOT SIGN. I had no knowledge of these loans and have loans ( XXXX XXXX ) with the Department of Education. Navient informed me that the outstanding balance to date was $ XXXX and has reported a total of over $ XXXX to the credit bureaus in addition to reporting late payments of 90 days past due, yet informed me that last payment received was inXX/XX/XXXX. I am in need of assistance. I have requested their promissory notes and was informed that I should receive them within 7-10 days. All information provided ( loan account number, dates, amounts, etc. ) in regard to this loan was information I obtain when I contacted Navient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting a recent late in XX/XX/XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.

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 2019-09-11
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting a recent late in XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.

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 2019-09-11
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting a recent late in XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a COVID mortgage deferment with Chase. After it ended in XXXX I was going to start paying my mortgage, which I can now. After it went through the modification Chase mortgage is asking for the Lump sum of XXXX dollars to bring my mortgage up to current because I was not qualified for repayment plan. I told them I am able to pay for the pAst due amounts and willing to pay more for the mortgage but Chase mortgage is only giving me the options yo sell, foreclose or to pay the lump sum of XXXX. All these are not an option for me because I am able to pay, even if its more then my regular mortgage amount. I do not want to lose my home. More importantly they NEVER told me when I requested for mortgage assistance that because I was two months behind that this was a possibility.if that critical information was told to me I would NOT have done the deferment and at least have caught up the past due of two mortgage payment. Please help me, I DO NOT WANT TO LOSE MY HOME. Especially now Im able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX sold my account to merchants adjustments servants. This is a violation of Hippa laws and my medical information shouldnt have been released to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/2018 I received a letter from experian credit reporting agency stating they will not re-investigate an account for me that does not belong on my credit report. I had XXXX re-investigate this account for me and after the investigation it was removed off my report. I am uploading a copy of the letter I received today along with the account that does not belong on there. I do not have a copy of the police report. I requested a foil report with the police department awhile ago and was told it was not on record anymore. Experian should not be denying me to re-investigate this account for me. There are fraudulent charges on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Navient Solutions, LLC.
State: GA
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:
My loan was transferred from XXXX to Navient in XXXX. I set up automatic payments through my bank utilizing the information Navient sent to me. My bank has made two monthly payments sent XX/XX/XXXX and XX/XX/XXXX. The 1st was returned to my bank XX/XX/XXXX stating I had the wrong account number. I sent with loan # instead of account #. I corrected the information for the second payment which they received and did not apply to my account. I contacted them and sent them additional information and they can't seem to locate whose account they applied my payment to. I submitted additional information reference the payment and they advised that that was not enough information to locate my payment they needed more but when I asked what they needed they stated a copy of my statement. The information had their bank transaction number on it. The second payment they just sent back two weeks after I paid them stating again that the account number is wrong even though I contact them by phone with the same account number. They then requested i pay them the outstanding amount that they lost and the money that they just sent back over the phone to them. I have no problem with paying them what I owe them but they have made no effort to locate the payment that they have received and discouraged me from sending them a paper check. I lack confidence in them actually applying a payment to my account correctly. I mailed them the second payment the first payment is pending further investigation by my bank. They have also tacked on late fees to payments in which they keep sending the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. I recently sent XXXX and Experian a police case number # XXXX, XXXX XXXX Sheriffs Office in reference to the following fraudulent and unauthorized accounts : XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. The accounts are fraudulent and dont belong to me at all. I been receiving harassing and threatening phone calls of abusive and profane language, death threats, threats of taking legal action against me, having me arrested and put in prison for life, daily around XXXX XXXX and around XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX Representatives for over 2 years. This is a serious and egregious violation of The Fair Debt Collection Practices Act under Federal law. The accounts are fraudulent and dont belong to me. The following credit inquiries dont belong to me : XXXX XXXX and XXXX XXXX XXXX The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN 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 2019-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have attempted to retrieve my credit score from Experian for the past 2 weeks to no avail. I have attempted to retrieve my score online and via phone. Finally, today ( XX/XX/2019 ) an agent was helping me. She asked me at least 8-10 identifying questions and said " ok '' as though she had what she needed to assist me ... and then hung up on me. I tried calling the company back and told the next representative that I would like to speak with a supervisor. He then asked " why? '' and I told him how I was trying to get my credit score and  continued with what happened with the previous rep. I asked to be connected with a supervisor twice, he then attempted to connect me only for me to get hung up on again. My issue with Experian is how can you represent America 's credit, yet have it mandatory for us to speak with everyone around the world. There isn't a direct way to gain sufficient support from the Experian and when you do get in touch with a human being, they're from XXXX XXXX or somewhere around the world. And then you advertise to watch out for the dark web, where individuals buy/sell your information. I have nothing against those hired, however, I do not understand your lack of concern when allowing Americans to share the pertinent information that makes them vulnerable. I do not appreciate a representative taking my information from another country and then hanging up on me without attempting to call or email me back to apologize for the disconnection. Due to that, I feel this was intentional.

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 2021-05-28
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I ordered a garage door online with Lowes on XX/XX/XXXX, which was part of a homeowners insurance claim due storm damage on my home. There were numerous other charges to the account in conjunction with the home repairs, and we believed that the charge had posted, and had been paid with funds from our insurance company. At the end of XX/XX/XXXX, I received a statement in the mail from XXXX with the charge of {$1700.00} for the garage door which was purchased on XX/XX/XXXX. I am attaching proof of the confirmation email when the order was placed on XX/XX/XXXX, and a copy of the credit card statement showing the charge posting on XX/XX/XXXX. I feel it is extremely unfair consumer practice to post a charge to a credit card 9 months after that charge was made. In this case, it caused an even greater hardship on me as the consumer, as this was left out of my homeowners insurance claim due to the late posting and we are now fully responsible for this portion of the claim.

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 2021-05-28
Company: EQUIFAX, INC.
State: AL
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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 explanation
Consumer complaint received 2018-05-05
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection account appeared on credit report for ALL 3 bureaus and I have NO knowledge of this debt. 

Alert Date XX/XX/XXXX Source XXXX Company SOUTHWEST CREDIT SYSTE Address XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I accidentally created an account with Trans union and was immediately charged to my credit card.In their advertising, Trans Union falsely claimed that their credit scores and credit-related products were free. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. Luckily my credit history is too new and they said " I won't be charged ''. I then wanted to close my account but they make this purposefully difficult to do.

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 2018-12-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
So at XX/XX/19, JP Morgan Chase closed my credit card and refused to tell me the reason. 

I already communicated with them and they told me it's because of new bank policy. Some of my friends had the same thing recently. We are thinking of JP Morgan Chase is having major issue with their credit card service or they are discriminating clients. I never used this credit card to do any improper things, and I couldn't think of any reason why they would close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage have been transferred from chase to bayviewloan LLC last XX/XX/XXXX. My monthly payment with XXXX was {$420.00}, in XX/XX/XXXX i paid bayview {$420.00}, by XX/XX/XXXX bayview decided to increase the monthly payment to {$480.00}. For XX/XX/XXXX, they sent a statement {$500.00}. I call them no one seemed to have an answer on why the mortgage keeps charging. My original loan was modified on XX/XX/XXXX at 3 % for the first 5 years, 4 % XX/XX/XXXX and 4.5 % that will start XX/XX/XXXX and the woll will remain the same until the loan is paid off. The mortgage was recast last XX/XX/XXXX, XXXX canceled the pmi. 
Even though XXXX forwarded all the doctor to the new lender. They decided to violate the contract. 

I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
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:
Good Afternoon Back in XX/XX/2021 I tried to make a cash advanced {$2000.00} + {$60.00} Serv Fee on my credit card to my bank account, apparently was done the wrong way and the money. 

The credit card number is XXXX XXXX PenFed, I submitted various request for information and they informed that because the bank never received the payment, I still have to pay for the {$2000.00} even that i never received in my account and is holding my credit line. 

The only response the I got was back from PenFed in XXXX and they are waiting for the bank to reply and denied the funds ( XXXX XXXX XXXX XXXX  ) it may take between 4-6 weeks since my first complaint in XX/XX/2021. 
Can you help me resolve the issue Thank you 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 explanation
Consumer complaint received 2018-06-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I will start by saying I like Chase and the representatives have nice.I opened an account with Chase Bank on XX/XX/2018 after I saw.a advertisement online for {$200.00} bonus to open a checking and a {$150.00} bonus to a savings. This is granted if you meet the requirements of adding a {$25.00} deposit and getting direct deposit of {$500.00} or more within 60 days. I have met the requirements and called to check the status of my bonus and they stated a promo code does not show on my account. I explained to the rep that when you apply online it tells you that if you want to print the code and go into the branch enter your email address. If you want to apply online promotion automatically applied. I selected to apply online following the same links and now they wont honor the promotion. I have called the bank and talked to 3 managers and they stated I have to have a promo code even though online it says you dont need one. I attached a screenshot for them to review. The last resort is to go into the bank which is very hard because I work XXXX and sometimes on Saturday. I think chase should take care of me because I did everything asked and closed my other accounts for this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
There is an account listed on my credit report that I have no knowledge of. This was a result of theft or an error.

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 2018-12-20
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX XXXX continue to call my cell phone while I was at work. I answer the phone and ask for them to not call during my work hours. The agent rudely stated she will call as many times as she likes, I hung up the phone because I was at work and she called back 7 more times repeatly. That was very stressful because I had to turn off my phone so she would stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TCF FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called to apply for a home mortgage with XXXX XXXX XXXX XXXX mortgage loan officer. i was promised the mortgage over the phone but further interaction proved futile in an attempt to get even a pre approval for a home mortgage. i finally began and finalized a mortgage with another company. very poor service.

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 2018-06-14
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed that Credit Consulting Service Inc. has put a collection item on my credit report early XX/XX/2018  with original amount of {$1200.00} ; so I called XXXX to dispute and XXXX  came back to me stating Credit Consulting Service Inc insisted that this is a valid collection item -- - I strongly disagree with this statement ; as a debt collection agency, Credit Consulting Service should provide informed and justified conclusion on  the validity of the debt, rather than just taking the opinion from the creditor and ignoring the voice from the consumer side. As a result, I do think Credit Consulting Service Inc didnt comply to the Fair Credit Reporting Act by not distributing a fair and accurate summary of a consumer 's credit history to credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation