BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This account is a joint account between me ( XXXX XXXX ) and my wife ( XXXX XXXX ), we have this account since XX/XX/XXXX, XX/XX/XXXX my wife lost her job, we went through hardship time, we were make payment on time for all credit cards, other creditors helped us to keep credit cards open and make payments, Chase Freedom credit card did cooperate with us. In XX/XX/XXXX the account was overdue around {$530.00}, we receive a phone call from Hardship Department at Chase Freedom service, they gave us an offer to pay {$380.00} and schedule the remaining overdue balance on XX/XX/XXXX, in the mean time they will wave three months of interests, this deal will make the account current and will be able to use the card as soon as we make payment of {$380.00}. However, when we made {$380.00} payment as agreed, they close the account and did not fulfill their promise to wave three months of interest, when I called, they claim the representative can not offer such thing, after they listen to phone call, they agreed to wave part of the interest, and refuse to reopen the account. On XX/XX/XXXX we agreed to liquidate the account, they calculated the monthly payment of {$96.00} based on the balance ( {$4200.00} ) that day, we made the first payment {$100.00}, and second payment {$96.00}, however the account was showing overdue {$92.00}, I called them ( XX/XX/XXXX ) they claimed that representative was mistaken, after they listen to phone call, they promised us after we make XX/XX/XXXX payment they will take care of issue, after we made XX/XX/XXXX payment I called them, they claim the representative was mistaken again and they can not fix the issue, I asked for a supervisor, after he listen to phone call he promised to fix the issue, and he emailed another department to correct it while I am on the phone with him. After a week we check the issue was not fix, after they listen to phone they claim supervisor mistaken can not be correct. I spoke to a branch manager, he created a case, two days late a representative contacted me, she stated that this issue will resolved by card services only. The balance on this account is {$4100.00}, more than {$1500.00} interest and late fees because of customer services commitment they did not fulfill, they time we were waiting for they to correct the issue. Today XX/XX/XXXX they called us and refuse to fix the issue and asked us to pay the overdue balance and late charges they added this month. We founded that they reported that the account was late in XX/XX/XXXX, even we made a payment of {$380.00}, and late in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was contacted by phone in XX/XX/XXXX, threw conversation with a person from the company determined that my social security number and date of birth that I was not the person they were looking for. The debt owed was for college loans and I never went to college.They continued to mail me letters asking for payments, that are not mine, at least three or four letters, the last dated XX/XX/XXXX. I have called at least three times and asked them to stop harassing me. Each time we established I was not the person they were looking for and they said it was taken care of.

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 2021-07-07
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Savit collections has put negative information on my credit report

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 2019-02-15
Company: EQUIFAX, INC.
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:
On the XX/XX/XXXX I contacted Equifax regarding another person showing on my credit file with a linked address. They raised a dispute and told me within 28 days this will be resolved. I rang back after 28 days and I was told it will take another 28 days. On the XX/XX/XXXX after me ringing several times and complaining and not hearing anything back I was told this information regarding the other person will be removed within 24hours which happened. On the XX/XX/XXXX I then contacted Equifax regarding a credit application that was made under my name several times explaining it was not me, I was told to contact the company directly. the company did not help so I then rang Equifax again and they put in a dispute and again told me to wait 28 days. After waiting equifax got back to me and told me to contact the company again directly, I felt as though I was being taken for a fool. after bouncing back on fourth between Equifax and the company. On the XX/XX/XXXX I asked to raise a dispute again regarding this company information on my credit file and was told within 21 days I will hear back, on the XX/XX/XXXX I was emailed and told the company has agreed to remove these searches. I then rang back yesterday on the XX/XX/XXXX to ask why this information has not been removed yet and after 60minutes on the phone the lady told me the dispute put in was not even for what I had asked, I asked to speak to a supervisor or manager on several occasions but all the customer service advisors would either put the phone down on me or make  excuses and not put me through. I also put in another dispute on the XX/XX/XXXX as this other person who was showing on my report last year had come back on my credit file. I was told to provide my passport and driving license again even though I had previously supplied all of this and I feel like I was being made a mockery out of constantly over and over again. I have still not heard anything back regarding this dispute and it has been over 28 days now. I have never in my life received such appauling service from a company. I am so unhappy and angry as I feel as though I have been fobbed off and ignored and not received any help at all, instead whenever I have rang to speak to a manager I have been either transferred to another customer service advisor or put the phone down on. I have worked in customer service myself in the past and this is not how a customer gets treated ever! I am paying for this service every month and it feels like it is for nothing. I have explained several times that due to all this rubbish on my credit file it has affected my credit score and it stopping me from applying for certain things that I need but I am not receiving any kind of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is reporting on my credit report and I have no idea what it is. I've sent letters disputing it and have not received a response. They just updated it XX/XX/XXXX and then XX/XX/XXXX saying it was " reported '' so they " re-aged '' it to show as if it's new. It states on my account that its " not disputed '' but I've been disputing it monthly for the past few months.

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 2019-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a heir to my father 's property with a debt of about {$55000.00} owed to bank. My mortgage payments at the time were {$350.00} which were reduced to XXXX through a modification in XXXX. I've lived in the home for 17 years since my father made settlement on XX/XX/XXXX initially I fell behind in the mortgage due to his death. Soon after I probated the estate and the Deed to the property was placed in my name. I made on time payments for 10 months until XX/XX/XXXX when my car window got shot out. I immediately called the mortgage and told them I would have a problem making my XX/XX/XXXX payment and I was told that they couldn't work anything out with me because I wasn't my father. However I'm the one who has been sued do to me probating the Estate and my hands are tied when it comes to the property in every way. I'm not allowed to do anything but make payments, although I've breached the modification due to a reduction in my income ( new employer ), I'm being told that I can't modify the loan again because I'm not my deceased father. I'm also being told that the loan isn't assumable. I've had previous modifications and I've been told by the bank for years that the loan is assumable. " If I bring the loan current I can then work on the assumption of the property ''. I wouldn't be doing everything in my power to keep the property if I know I'll never really be the owner, at this time I'm looking for more income and I have until XX/XX/XXXX to do so with hopes of re applying for a new loan modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX which manages the card I used through XXXX XXXX charged 28 % interest on a 12 month same as cash purchase from XXXX. My total purchase price was {$13000.00} of which I made on time and regular payments each month leading up to the end of the promotion. Unfortunately I missed the cutoff date to pay off the account and was charged {$3800.00} in interest. I have tried on several attempts with XXXX XXXX to get the interest removed and paid the full amount due while I was discussing this situation with XXXX. I was lead to believe that they would remove they full amount if I paid the account balance off but that did not occur. I would never ( and never will again ) use this service given the predatory rates and practices at XXXX. 

Research done through XXXX also shows a history of poor service and unfairly high interest rates which has earned XXXX a rating of D+. I'm sure they would have an F if allowed to give them 0 stars instead of min of 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the last year to 1 1/2 years, my wife and I started concentrating on making more payments towards the principle, of our mortgage, every month. She pays in person at a local branch, and I tend to pay either online, or speaking to a person over the phone. I have never done automated payments. 

I recently started noticing that there is activity showing payment reversals in XXXX of this past year ( XXXX ). I contacted them on their XXXX customer service number provided, several times, to speak to representatives and ask them to explain. Neither of the 3 have been able to do that. So my wife contacted someone at a local branch, and we made an appointment on Saturday, XX/XX/XXXX, to go sit down and visit with one here. 

The dates include : XX/XX/XXXX - Payment Reversal {$460.00} XX/XX/XXXX - Payment Reversal {$0.00} - Unapplied Funds {$460.00} XX/XX/XXXX - Payment Reversal - {$160.00} ( principal ), XXXX ( Interest ), - {$230.00} ( Escrow ), {$530.00} ( unapplied funds ) XX/XX/XXXX - Payment Reversal {$0.00} - XXXX ( principal ), - {$80.00} ( interest ), - {$220.00} ( Escrow ), {$520.00} ( unapplied funds ) XX/XX/XXXX - Unapplied Funds - {$520.00} Representative, XXXX XXXX, was kind enough to sit through almost a half hour with a mortgage rep on the other end, who could not explain why the reversals were on our account. After almost an hour there, we ultimately told her not to worry about it, we would look for another avenue to get someone to explain it to us. She stated she did not know why the numbers did not work out and why their mortgage department could not explain. 

A co-worker told me about a Wells Fargo financial institution that wasn't a bank, on XXXX XXXX and I called. They told me they only deal with financial advising and to call the same original XXXX number where I had spoken to representatives the first time around. Which gets me to where I am now, frustrated, and with no one to explain why the reversals appear on my statements. 

Basically, every penny that we have paid towards our mortgage account, that is NOT the monthly payment of {$530.00}, should have been applied to the principal. That is all I am trying to ensure.

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 2019-02-15
Company: EQUIFAX, INC.
State: OH
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 did not open this account. My ex wife opened it in my name. XXXX and XXXX have investigated and deleted the account however Equifax will not. This is causing me to not be able to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: WELLS FARGO & COMPANY
State: WI
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:
A cash advance for {$6900.00} was removed from my credit card and transferred to a checking account I have no association with without my consent. I discovered this transaction on XX/XX/XXXX, within 24 hours of the transaction. I immediately called Wells Fargo to report fraudulent activity on my credit card. After speaking with various employees, I was told that an authorized user on the account made the transaction and that they were unable to stop the pending transaction. 

I am the primary account holder on this credit card. I separated all of my finances from my ex husband three years ago when we divorced. I was assured multiple times by Wells Fargo at that time that my ex husband had been removed from all of my accounts and had absolutely no access to me or my money. 

When we divorced, our debt was equally divided on mutual understanding that we would each pay our respective debts. My ex husband has failed to pay all debts since that time which has left me no option other than to pay them as my name is associated with these debts and my credit is negatively affected by non payment. I have paid over {$15000.00} of debt that my ex husband was court ordered to pay since our divorce. Additionally, I single handedly paid off this credit card ( {$8500.00} ) in the past few months. Within a month of this being paid off, my ex husband took a cash advance from this line of credit, maxing it out. 

After multiple phone calls to Wells Fargo I was able to speak with several managers who reassured me I was entitled to this money and it would be returned to me. I spoke with a supervisor who ensured me that the funds had been recovered and returned to my account, including the {$400.00} fee for the transaction, and the interest ( 25 % ) on the cash advance. The account was closed, I had a remaining balance of {$1000.00} ( the balance on the card prior to the cash advance from purchases I made that month ) with the next payment due in XX/XX/XXXX 

About 5 days after I received this information I received a call from the executive office of the credit card division stating Wells Fargo has reversed the refund, charged me the fee for the cash advance, and back dated the interest charges to XX/XX/XXXX when the transaction originated. Wells Fargo claims they have no proof that I was told years ago that my ex husband was removed from my account and that it is impossible to remove an authorized user from a credit card ; that the account would have needed to be closed at that time. This information was never communicated to me at that time and I was assured by Wells Fargo bankers that my money and accounts were safe and free from access from my ex husband.

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 2019-02-15
Company: Navient Solutions, LLC.
State: NY
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:
I have my student loans through Sallie Mae/Navient. I work in a high needs district and after working 5 years requested a loan forgiveness which they denied. They told me my loan I was requesting to be forgiven was consolidated with one that was taken out before XXXX making it ineligible. I never requested a consolidation as I knew I would be requesting the load to be forgiven. They automatically consolidated it when I applied for a 2nd load to get my masters. I asked for documentation to show this and all they sent me was a single page with an electronic signature in my maiden name when at the time I took out the loan I was married. I have been paying on these loans since XXXX and still owe the amount practically the amount originally borrowed for my education. I've paid roughly 500.00 a month for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I purchased a XXXX Ford truck from a private owner. The vehicle was financed through Wells Fargo Bank. In my presence the previous owner paid off the loan with an electronic fund transfer. Wells Fargo advised that the " Lien Release '' would be delivered in 5 to 10 days via mail. Today marks 20 days and neither the previous owner or I have received the Lien Release. Several calls to Wells Fargo have not yielded any assistance on the matter. My Wells Fargo complaint case # is XXXX and the phone number for them is 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 2017-12-04
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:
the following letter attached shows that this account ( XXXX XXXX  ) does not have any delinquencies, and needs to be updated, i have already spoken to XXXX XXXX and they have updated their data base as never late. XXXX also made sure of a conference all and they have updated their systems. but XXXX and equifax are not cooperating an they are just placing a dispute. please help me to update this account on the credit bureaus as never late for ( XXXX XXXX 2014 ) that needs to be removed. 
letter attached from XXXX XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Dynamic Recovery Solutions, LLC
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: Account status incorrect

Complaint:
Hello : I received a letter dated, XX/XX/XXXX from Dynamic Recovery Solutions : XXXX XXXX XXXX, XXXX, SC XXXX. They state that I have from the original creditor of XXXX  XXXX XXXX, DRS Reference #  XXXX, current creditor : XXXX XXXX XXXX XXXXReference # XXXX, current balance {$6200.00}. In this letter they only office different repayment plans. 

Back in XXXX My wages were garnished for a year for this same amount but from a different recovery solutions and it was paid in full. This took place when I worked for XXXX XXXX in XXXX, XXXX. In XX/XX/XXXX, I paid all my student loans off. Then now I receive this letter that I have some other student loan out there that was never paid off. 

I attended to colleges for my XXXX XXXX XXXX, they are : XXXX  XXXX XXXX, in XXXX, XXXX  and XXXX in XXXX, XXXX. I never took a loan out through XXXX  XXXX XXXX and I have never received any letters, notices or calls from XXXX or other affiliates in regards to this amount, until I received this letter. 

I did call Dynamic Recovery Solutions and told them, I feel this is a fraud letter and that I want proof from their end that I took out this loan, that they have a right to collect on this loan and the entity claim what I owe is the proper amount due. I was told they would look into this but this is my debt and I need to repay it. 

I can be reached by cell : ( XXXX ) XXXX or email : ( XXXX ) or home address : XXXX XXXX XXXX XXXX, XXXX , XXXX  XXXX. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is reporting 8 student loan accounts across all three bureaus ( XXXX XXXX and Experian ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.

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