BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding : Specialized Loan Servicing LLC Account # XXXX Going back several months I have been making additional payments directed to lowering the principle balance of account # XXXX. The Mortgage is held by Specialized Loan Servicing LLC. My additional principal payments are not applied in timely manner to the principal. SLS ( Specialized Loan Servicing LLC ) holds the funds in suspense account and on the following billing statement the additional principle payment is not applied. The last two months I have directly made payments using the online payment method and using the specific additional principle payment option on the SLS payment site. There is no compliance and consistency of them correctly and in a timely manner applying the additional principal payments to my principal balance does not exist. sometimes they apply the payment and sometimes they apply it to the following months. 
On XX/XX/2021 I made my regular Mortgage payment and sent an additional principal payment of {$370.00} to date they have not applied the {$370.00} to the principal balance, the XXXX billing statement reflects a suspense balance of {$370.00} in unapplied funds, and a lower XXXX payment due. I have sent them Online communications of this Book-keeping error the previous times it has occurred they have not addressed it and in some instances they ignore my online messages making it necessary for me to call and speak to a representative.

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 2019-03-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was made aware that Navient reported all 16 accounts 90 days late in XX/XX/XXXX. Once I noticed the late reporting, I immediately contacted them. I never received a phone call or any statements in the mail. The representative placed me on a temporally forbearance until the income based plan was processed and approved. I contacted Navient CEO via email ( screenshot provided ) and asked for a " goodwill '' for the one late payment because 1. I wasn't properly notified 2. I was currently in school ( vocational rehabilitation ) through Veteran Affairs. The response was not what I was hoping for so I continued to do some research. That's when I independently learned that my current status as being enrolled in a Rehabilitation program ( within the time frame where Navient has me 90-days late ) I qualified for a in school deferment. In the response from a Navient representative ( attached ) I explained 3 times that I was in night classes and she never advocated for me and help link me to the right department to see if I qualified for any in school deferments. After submitting all of my proper documents proving that I was in school ( at the time of the negative reporting ) and still in school, ending XX/XX/XXXX Navient approved my deferment request, however, they are continuing to inaccurately report negative item on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
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:
XX/XX/2015 XXXX has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an investor and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SC XXXX Phone : XXXX XXXX  XXXX  Experian Account # 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 2019-04-11
Company: Credit Associates of Maui, LTD
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector, Credit Associates of Maui, representative XXXX, violated the fair debt collection practices act ( FDCPA ) on XX/XX/2019 at XXXX and again at XXXX ( HST ) by calling from a restricted number. I called their office and confirmed on their recorded line, with the receptionist, and with XXXX, that they had called me from a restricted number in violation of the FDCPA. It was indicated to me that the employee/caller had no control over the companys phone system, so this appears to be a company directive, not an individual choice, to call from a restricted number. During the call I indicated that an item had been returned and the alleged creditor had discharged any amount owed and had indicated so to me. XXXX confirmed with XXXX XXXX that the item was returned and credited but said there was a late fee due of {$36.00}. I called XXXX XXXX, who again confirmed that the item had been returned and that their was a fee imposed by XXXX XXXX XXXX XXXX, not XXXX XXXX, a fee charged despite the debt collector indicating on a recorded line that they did not own the debt. Therefore XXXX XXXX XXXX XXXX has no standing to impose a late fee of their own on a settled debt that they didnt own. Such a fee would be a violation of 18 USC, specifically known as collection of extensions of credit by extortionate means. This intention is clear as Credit Associates of Maui/Hawaii blocks their number when calling -possibly because they may be involved in illegal activity. The CFPB has a responsibility to enforce consumer law as mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Paypal has now made it their policy to issue Paypal Debit Cards to all persons with a Paypal Business Account, automatically, without consent from the account holder. This was explicitly described to me by  a person at Paypal who was assisting me with cancelling the debit card opened in my name, against my Paypal business account, by Paypal, without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan Servicing is incorrectly calculating my PSLF-eligible payments and their payment processing with Direct Debit is  repeatedly giving me error messages making it impossible to make sure automatic payments are processed correctly. I've repeatedly attempted to contact them via phone, online chat, and e-mail with incredibly poor customer service that is if I ever get ahold of someone or get a response. Customer service has provided no help with my legitimate concerns and issues. I'm technically paid ahead for my student loans yet their system now shows that I'm past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: NY
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:
- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with Equifax, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So I have two separate things that need to be addressed. I have a total charge of {$180.00} ( which I disputed and I received a email stating that a error did occur. Ive told multiple reps this and have even sent in the proof to them already multiple times. ) And for the transfer that was {$200.00} to my XXXX XXXX account on XX/XX/2020. It hasnt shown up and I have given them AMPLE amount of time for this to come in and be fixed. 
All the reps I keep talking to state that these never occurred or that Im lying and that they did happen. They either 1 ) got reversed already ( LIE ) or 2 ) they got denied and Im stuck being out almost {$400.00}. ( LIE )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is the fifth attempt to resolve with Capital One the issue about my credit card account with them. They all of the sudden on XXXX limited my card and I couldn't use it at all also there are unauthorized charges on my card that I am unable to file because of this limitation. I send them the information they requested my SSN card, MN DL and SSN verification form. I had the account for several years and there asking for this information, very disrespectful. After I sent the documents they requested they asked for my bank statement for the account I made a payment from which I refused. Now I would like to have my account closed however I can't do that before I fill a claim on the unauthorized charges on my account. 

Capital One is being unhelpful in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to file a complaint against XXXX XXXX XXXX in Colorado for a medical collections debt first reported XX/XX/2016 and by extension BC SERVICES as the collection agency - my goal being to dispute the bill and get it removed from my XXXX  credit report ( the only one it even shows up on ). I did not learn of this debt until fairly recently and I have never received communication or contact of any kind by the parties mentioned above before learning about the debt essentially by accident. I was not informed of the bill, am not convinced it is even accurate or related to me. Even if it was proven so, I was not given the proper resources to pay for it and avoid this whole predicament. I hereby state NO CONTRACT/CONTRACT CANCELED and file this formal complaint against XXXX XXXX XXXX ( who is the original creditor ) and by extension BC SERVICES ( who is the current creditor ) in the hopes the error is rectified and the bill is removed from my credit report so I can move on financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the XXXX amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.

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 2019-04-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I went to closing XX/XX/XXXX. I was recently informed why my FHA loan to be insured was rejected XX/XX/XXXX because of the wrong appraisal was submitted. I want a copy of the FHA rejection letter for my record stating the wrong appraisal was in fact submitted. I want all documents from FHA regarding why my loan wasnt insured and also any suggestions FHA department written to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Company has been calling my job consistently

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 2022-08-11
Company: EQUIFAX, 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 had an account by the name XXXX XXXX removed off of my credit, I had created an FTC report and sent to equifax. Recently Equifax had REINSERTED the account after it was removed as fraudulent. I am now disputing the account as fraud again because it is! I never openend the account XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit  score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-12-11
Company: JPMORGAN CHASE & CO.
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 Chase Bank N.A . sent me a letter notifying the closure of my Brokerage Account ending ... XXXX. I never received the letter in my mailing address. By sheer luck I got word of this and on XX/XX/XXXX. I called XXXX XXXX XXXX ( XXXX ) in order to request by email a copy of the original letter ( which basically said that my account was going to be closed by XX/XX/XXXX. and that I had to call the XXXX number to get further instructions ) and obtain the proper closing and transfer instructions of my money. I requested the XXXX operator XXXX XXXX to send me the same oral instructions she was giving me over the phone by email, which she did. 

One step of such written instructions in XXXX XXXX 's email required to have my signature notarized at the local XXXX XXXX ( I do not live in the XXXX ) which I did, at a cost of {$50.00}. I then sent Chase by Secure Mail the transfer order with the notarized signature and the required attachments. 

On XX/XX/XXXX. I received a call from XXXX, operator XXXX XXXX, to let me know that all they needed was my oral instruction ( over the phone ) to transfer the balance of my investment account to my Chase linked account from which I could then set up the external transfer using my Online banking service. XXXX XXXX notified me that no notarized signature was required and that the previous operator made a mistake. 

On XX/XX/XXXX. I sent an email to XXXX claiming the refund of the {$50.00} I paid for a useless notarization. The email was sent to operator XXXX XXXX ( remember she gave me the wrong written information ) and to the Executive Director who signed the XX/XX/XXXX. letter., XXXX XXXX . 

On XX/XX/XXXX. I received an email from XXXX XXXX stating that Chase only refunds fees charged by Chase. The Executive Director did not even acknowledge receipt of my several mails. An email I sent on XX/XX/XXXX. was replied on XX/XX/XXXX. saying that my complaint was escalated to the Executive Team of XXXX XXXX XXXX. 

I sent three email reminders since XX/XX/XXXX. with no reply up to this day, XX/XX/XXXX. 

This recap is fully verifiable through the email string kept in my files and attached below. 

It is distressing and frustrating that Chase deny me a {$50.00} refund, if the bank seriously overviewed the chain of events they will determine that they are 100 % at fault. Chase must assume full responsibility and execute the refund to my checking account ending ... XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am being charged principal and interest for a loan and I have not graduated yet. I am still in school and this loan should not come due until after I graduate. I talked with the Conduent people several times and they have my graduation date incorrect. They said it was the college that had the incorrect date. I spoke with the collage several times and this is not the case. My father has been making payments so I do not get charged late fees or get poor credit reported. 
This company seems very suspect in their practices.

Company response to consumer: Closed with explanation