BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I, XXXX XXXX, acting as Power of Attorney for XXXX XXXX, am submitting this complaint on our behalf. My brother, XXXX, took out this mortgage, but I am the co-owner of this property and I am listed on the deed. I have lived in this home since it was purchased by XXXX for me and I also have a Power of Attorney signed by my brother that authorizes me to transact any business related to this property. I have enclosed a copy of that Power of Attorney to this complaint. I have made all the mortgage payments on this property, but began struggling to make my monthly mortgage payment since XX/XX/XXXX when the mortgage payment went from $ XXXX/month to approximately $ XXXX/month. I have been communicating with the servicer and applying for a loan modification since that time. I have submitted applications and supporting documents for 3 years now with no result. Recently, in early XXXX, I submitted what I believed to be a complete loan modification application to XXXX XXXX and I was awaiting the results when my loan was transferred to XXXX XXXX XXXX around XX/XX/XXXX. On XX/XX/XXXX, after my loan was transferred to XXXX, I received a solicitation from XXXX that my loan is qualified to apply for the " Mortgage Freedom '' program. The solicitation said the program did not require a paper application or any supporting documents. Since that time until the present, me and my HUD approved housing counselor have attempted to contact XXXX to discuss the Mortgage Freedom program. Unfortunately, we have received no response from my Single Point of Contact at XXXX, XXXX XXXX, nor any other representative from XXXX. We have left numerous voice messages that have gone unanswered. My home is currently in foreclosure and a sale date may be set soon. I need help now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX makes it virtually impossible to cancel membership. They require you to call this number : XXXX - then they tell you to hold for 2 hours! How is this legal? You can sign up online - but you cant cancel your membership online.

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 2022-01-10
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 belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Credit Control, LLC
State: PA
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:
I cancelled my XXXX XXXX  account in XXXX when I moved to a new residence. XXXX reopened my XXXX  account without my consent after the move and incurred unauthorized charges. I tried to work this out with XXXX through XXXX but they were extremely rude and unreasonable. They eventually sent the account to a collection agency, Credit Control , LLC ; www.credit-control.com. Therefore, I reached out to Credit Control and we worked together on XX/XX/XXXX on a pay for delete agreement to remove the unauthorized account from my credit reports. The pay for delete agreement was : I paid the {$120.00} USD to Credit Control on behalf of the fraudulent XXXX account, in exchange for the account being removed from my credit report on all three major credit bureaus. I paid the agreed upon amount amount on XX/XX/XXXX. However, Credit Control has not held up their end of the pay for delete agreement. They collected the money, marked the account balance as XXXX balance but did not delete it from my reports. The agreement was a Pay For Delete and they are not holding up their end of the deal. I contacted Credit Control on XX/XX/XXXX in regards to their neglect to hold up their end of the agreement. They never responded to the email correspondence. I have emailed them again today, XX/XX/XXXX in hopes to reach them to remedy this issue. I am filing this complaint because they are not holding up their side of the pay for delete agreement. How can you trust a debt collecting company if they take your money, then do not hold up their side of the agreement?!

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 2018-01-16
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I co signed for a loan for my son through XXXX XXXX which eventually was sold to Navient. The total amount of the loan was for {$5200.00}. The loan payments started on XX/XX/2007. I faithfully paid {$90.00} every month for the last 10 years. At one point XXXX XXXX screwed up my payments and started charging me a late fee. I called and asked them to fix this which they did but at another time they started assessing another late fee when I was n't even late. Based on my calculations, I have paid back {$9300.00} in principal, {$10000.00} in interest for a grand total of {$19000.00}. This is almost 4 times the original amount of the loan or a 74 % interest rate. My payment due date was considered the XXXX of each month. Last month I called Navient to explain this situation and asked for my loan to be considered closed and paid off. They would not do so. Attached is a document I pulled off Navient 's website showing my payment history for this loan. You will see that I was almost always early with my payments. I feel Navient misappropriated my money and abused my account. Plus I strongly feel they should repay me some of the money I overpaid to them. Thank you for looking into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Westlake Services, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
i have a vehicle financed by XXXX XXXX XXXX. I am receiving several phone calls from them on a daily basis every time I am late on my payment. Even the day payment is due including Saturday 's and Sunday 's starting as early as XXXX est up until XXXX. I advised them that my payment will there a few days after the due date and they still call me several times in a day. I asked if I can get my due date changed to coincide with my pay date and was advised that they could not change the date. did not give me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018- Convergent sent a letter alleging that I owed them a debt. 
XX/XX/2018- I responded to Convergent disputing the validity, legal authority and requesting an original contract between myself and Convergent. 
XX/XX/2018- Convergent sent a letter simply stating that such debt was valid. 
XX/XX/2018- I sent another letter to Convergent once again disputing the validity and legal authority of them to assert such a 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 explanation
Consumer complaint received 2018-11-05
Company: SYNCHRONY FINANCIAL
State: NE
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:
Got an email from XXXX XXXX that a hard inquiry was placed on my XXXX Credit report. It was from XXXX XXXX in XXXX, Florida. Did not recognize the inquiry. Have not applied for a card from XXXX. Date that the inquiry hit my report was XX/XX/18.

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 2022-08-13
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/22 I applied for XXXX XXXX & was approved my score with Equifax was XXXX & XXXX with XXXX a hard inquiry drop your score between XXXX. My XXXX went do XXXX and my Equifax went down XXXX. This makes NO SENSE, the customer service reps dont care because its not their credit & want to tell me how to better my credit by paying things on time which has NOTHING to do with why a hard inquiry has dropped both my scores over XXXX. Im very aggravated and annoyed because now Equifax is saying that is correct and verifiable that it was suppose to go down that much. I did my proper research and spoke with financial/credit advisor before I even applied. This is EXTREMELY upsetting because how in the world does it drops so much over an hard inquiry then it has to stay for XXXX?? That is crazy. I need more information in regards of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check issued by my wife ( from a XXXX XXXX XXXX  account ) to my JPMorgan Chase checking account. A day after the deposit, nobody at the local branch could help me clear the funds and referred me to an XXXX number. On XX/XX/XXXX, nobody answered that number and I was prompted to leave a voicemail. On XX/XX/XXXX, I received a call back from XXXX, a Chase rep, not to help me but to write down what my problem was so that it can be submitted for someone else to work on it. Even though the call was being recorded by JPMorgan Chase, I was told I could n't record the call when I advised I wanted to record for my records as well. The Chase rep stated that JPMorgan Chase policy did not allow her to help me if I did n't explicitly stated that I was not recording the call, she also said she would have to hang up the phone and nobody would work on my problem. Expecting this problem would get resolved quicker, I obeyed and did n't record the call. I did advised her that every day without the funds I was incurring losses on investments. On XX/XX/XXXX, XXXX, a Chase Operating Loss Prevention Sr. Specialist, advised that Chase did n't have a way to check if check had been paid by XXXX XXXX XXXX on Consumer Accounts, only Business Accounts. The case was assigned to XXXX at the Chase Consumer Exec Office. XXXX advised funds will be available XX/XX/XXXX. On the deposit receipt, it stated funds were going to be available XX/XX/XXXX!! Today it is XX/XX/XXXX and check funds continue to be on hold. It is very frustrating that consumers have to be at the mercy of the biggest banks of this country, in this case continuing to earn interest on money that 's put on hold for however long they want. Apparently no organization or government agency can hold them accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/ 2018 a 10 ton 100 foot tall oak tree crushed my living room. 
In the state of Virginia, that means that the lender CitiMortgage holds funds and releases them as progress is made no the insurance claim. 

As of XX/XX/2018, the living room has been reconstructed, painted, etc. 

The CitiMortgage system for managing inspections to get money released is broken. It has been 6 weeks since I started my request for final inspection and release of remaining funds. CitiMortgage would cancel inspections with no contact or notice. When the inspection was done, it was agreed that 100 % of structural work was complete and minor paint touch up was needed for walls and for floor. 

CitiMorgtage has decided that they will not honor the 100 % structural and are stating, without contacting me or reviewing with me. At first they claimed that only a 33 % complete inspection was done ( again their XXXX XXXX XXXX system is broken ) and then they have decided that since there is still some plywood in my living room protecting the floor while we finish any painting and getting money to pay for removal of the damaged baby grand piano ... .they have decided that we are only 95 % complete and as such will not release any funds. 

I am not allowed to get past any phone support at CitiMortgage to talk to an actual person making a decision. 
This has been gong on for 6 weeks. The amount for the remaining funds is about {$22000.00}. 

I am truly dissappointed at CitiMortgage. They come off as a desperate bank that is not interested in letting money, that is not theirs, go.

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 2017-11-03
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed that a collection account was added to one credit report and it was not mine as a result of identity theft. I have been a victim of identity theft. It was soon there after deleted from that one then added to a different report. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I would like to make a complaint against TransUnion for reinserting an inaccurate fraudulent account on my consumer file. As a consumer, I am aware according to the law that if any information is deleted from my file the information may not be reinserted if I am not notified five days after the reinsertion. I was not notified that the reinsertion took place nor was I provided any information from the furnisher or TransUnion saying that the information is complete and accurate. 

Furthermore, this account was also listed on XXXX and XXXX as well, yet TransUnion is the only consumer reporting agency that reinserted this account. If it was in fact verified from the furnisher, why is it not on the other two consumer reporting agencies? I am also aware that I am required to give you consent to report anything to my file. If I did not give TransUnion consent to report this information on me, your wrongdoings are considered fraudulent. 

I am also aware it is your duty to uphold fair and accurate reporting. This is not considered fair or accurate. 

TransUnion is partaking in fraudulent activity as well as extortion by bringing financial harm to myself and my reputation. Racketeering activity is described as two more activity patterns that have both been executed by TransUnion. I am also aware that racketeering can lead up to imprisonment for more than 20 years. This is my last step before I intend to not only sue but to press charges against the XXXX & XXXX, XXXX XXXX and XXXX XXXX for racketeering activity.

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 2018-03-23
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company named XXXX contacted me they told me that they are a collection agency who behalf XXXXXXXX company. I call them we agreed to pay {$92.00} then they will remove the inquiry on my credit report. I did pay {$92.00} on XX/XX/2018, and still, the inquiry is on my credit report. any time I talk them they say we will remove next week. I am tired calling them because anytime I call them they put me on hold about 45 minutes. please help me to solve this issue. 

Sincerely,

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 2020-01-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citi Bank failed to link the correct account to my auto bill pay, thus the payment was returned and attempted to be made again, multiple times. I spent hours on the phone with Citi, correcting this issue. I was even credited fees back due to this being an error on their end. However, I just received notification that they have slashed my limit in half, due to returned payments, that were their fault. I have never missed a payment, the error was ONLY on Citi Bank and their completely incompetent customer service agents.

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 2019-09-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Rec 'd call from a Mr.XXXX twice now XXXX - approx 1 min. 
Tuesday XXXX XXXX - XXXX - Asking me to verify my birthdate - I explained I don't give out personal information over the phone - contact me by email. Identified himself as Mr.XXXX ( sp? ) with XXXX XXXX XXXX. 

XXXX - 1 min. 
Wednesday XXXX XXXX XXXX - Asked for my name/Acknowledged " XXXX ''... once again identified himself with XXXX XXXX - asked me to verify my birthdate - told him yesterday I don't give out personal information over the phone - asked again who he was with - he said CARE CREDIT - I said don't call me again - I'll contact you. Again identified himself as Mr.XXXX with XXXX XXXX XXXX. 

After my call to Synchrony Bank ( they represent CareCredit and recorded conversation ), they explained they would never contact me requesting this sort of information. I called to speak with the Fraud Dept. so they have record of this misrepresentation of their company and services by XXXX XXXX XXXX. 

I then researched and found this link, verifying there have been multiple violations by this company... and so, now I'm reporting it to you. 
XXXX XXXX XXXX I have since blocked those numbers on my cellphone. 
Thanks for your assistance and your important work. 

Best Regards, 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 2017-11-03
Company: ENOVA INTERNATIONAL, INC.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received a call today trying to verify my personal info. they refused to say what for so i refused to provide them with the info. then they said it was for a debt from Cashnet for a payday loan in 2006. i have never heard of Cashnet nor did i receive any loan from any payday loan services. I contacted Cashnet directly, they first tried to tell me i needed to provide a police report from 2006. Which I will not due because my ID was n't stolen and it 's been 11 years since this supposed loan which they are just now contacting me about. I asked for what they said my ID was stolen and used for a loan. Which referred me to another company " XXXX '' with XXXX as the phone number. I called this number and they tried to tell me i won a XXXX gift card. I told them i did n't care about the gift card and wanted to speak to someone about this alleged loan then i was hung up on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom this may concern I applied for a mortgage on XX/XX/XXXX through Navy Federal Credit Union 's online portal which I authorized a hard credit check. 
On XX/XX/XXXX I called Navy Federal Credit Union to follow up on my application, on Monday XX/XX/XXXX I did not authorize an additional credit inquiry of any time during my conversation with the loan officeXXXX, on XX/XX/XXXX I noticed on my credit report two hard inquiries from Navy Federal Credit Union, one dated XX/XX/XXXX ( authorized ) and another one dated XX/XX/XXXX that was not authorized. I have attempted to speak to someone at Navy FederaXXXX multiple times to resolve the illegal credit pull on XX/XX/XXXX without a manager call me back, customer service personnel transferring me without speaking to a manager. 
I did not authorize the additional credit pull and would like Navy federal Credit Union investigated. 

Thank you for looking into the matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Nelnet refused to allow me abscess to an account that I am the endorser. The borrower refused to pay the loan. I have no knowledge of his whereabouts. I have been making monthly payments but they will not release any information to me. I am only able to call in and get a summary of the account. I have been asking for ascess for more than 2 years. I have no idea where my money is going.

Company response to consumer: Closed with explanation