BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We have returned all equipment to XXXX XXXX. During the time we subscribed to their services between XXXX lightning had ran into our unit which they promptly replaced. The unit which was replaced was taken by the technician that fixed the problem. We have paid in full and returned all equipment. We have talked to them 3 times in the past 90 days to resolve the issue. The last lady we talked to said she did not see where anyone had put in a search for the item.

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 2017-04-17
Company: Ditech Financial LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have been through the HAMP process and have signed and followed up on several Dodd-Frank documents suggesting that my prompt payment incentive is on its way. It has been 10 months since the completion of the 6-year program. However, when I reach out to my mortgage company about facilitating the incentive my request is dismissed until my mortgage lender receives payment from the government. There is no advice on how to resolve this. I have held up my end of the agreement, but it appears that there is not a way to access my incentive.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
State: PA
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:
Experian has on my credit under inquiries of companies I never applied for credit or requested credit nor sign my name for consent to run or obtain my credit. 
Report # XXXX XXXXXX/XX/XXXX on page 14 of 18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied at any of these companies nor have I sign or given consent to run my credit. Every one of these Inquiries need to be removed by Experian and Experian needs to provide from each one listed my signature and application showing my name signature and information for obtaining or running my credit for any or such purchases an application needs to be provided as proof.

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 2022-01-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase Bank sent me a new closed debit card with no valid explanation. I contacted Chase Customer Service regarding this issue on XX/XX/2021. As per Chase Customer Service Representative, they were not able to provide me with a definitive response concerning the new debit card mailed to me within a 2 day period being closed. Why would Chase Bank expedite me a new debit card that was already closed. I didnt have access to get funds from any ATM machines of Chase nor was I able to check my statement from my checking account. Chase Bank put me in a tight situation with no funds to purchase the necessities for my family. Furthermore, Chase has been charging me a {$5.00} fee, to expedite my new debit cards for the third time. Chase hasnt done this charge in a while. I want a refund for the inconvenience, they put me through without having a debit card for the week, to purchase items that were needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient  has done nothing but lie and mislead me on repayment plan available. Raised my payment amounts, kept deferrin my payments instead of setting payments based on my income. Applied payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Alliance One, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phone Harassment at work robo calls for  XXXX  energy debt that was paid in full  XXXX / XXXX /  XXXX  .     I provided proof and then they sent to collections throug h Alliance One Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am reporting this company for past and future loans that they are giving to unsuspecting people. They offered me a XXXX dollar loan tonight with click bait buttons and they want people to pay 9 monthly payments of XXXX dollars on such a loan. I got this offer on XX/XX/2019 then received a call where they tried to push right back into this ridiculous loan agreement. I told him to go wait by a banana boat ...

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 2021-01-20
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$7600.00}. I've made payments totaling {$6500.00} since XX/XX/2019. I've just recently inquired as to my remaining balance. It is {$6800.00}. I re-reviewed my loan contract and the terms are very different from what I signed up for. Here at the listed terms. 


APR 57.81 % Finance Charge {$15000.00} Borrowed amount {$7600.00} Total payments {$23000.00} I reached out with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company multiple times on multiple occasions this company never lets you speak to a representative all they do is continue to bounce me around from place to place to place, they keep you on hold for ages and transferring you from person to person they never let you work with someone, they hang up on you, and they never call you back. I have contacted this company multiple times trying to get on a repayment plan and nobody wants to work with you, their employees are extremely disrespectful and never are willing to work with you no matter how many times you try. Im not sure how a company expects you to work with them and pay off a debt when they refuse to work with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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:
XXXX XXXX XXXX is still reporting this fraudulent account to Equifax but had deleted from XXXX, XXXX! I have mailed XXXX XXXX a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to Equifax and they told me XXXX XXXX is still reporting this fraudulent account and Equifax is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on Equifax and XXXX XXXX! XXXX has deleted this fraudulent account off of XXXX  and XXXX  but is still reporting to Equifax!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: MO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  is location in XXXX I believe, I do not know who they are. I am on State insurance. This is and should be covered by state insurance. 

But the dates DO NOT coincide with the dates I moved to XXXX. It can not be me as I moved to XXXX over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: MONEY SOURCE, INC., THE
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We currently are have a mortgage with the money source. I am XXXX, my spouse is a XXXX veteran. We got behind cause my hours at work were not what they typical would be. We got behind in the mortgage. 
I reached to my mortgage company, we submitted a modification request which was suggested to me. We were denied due to them saying application missing a page but no one communicated that to me. We resubmitted application. We were told during this process not to make a payment so we didn't. Go more behind. I went and ahead & made payment last month. Found out today, we are denied again. I asked the next option. They said a repayment plan over 3 months or 6 months. I Said okay I can't do 3 months. They said, you'll have to feel out application for the XXXXmonths. I said okay. I said whats protecting my house until I know if I'm approved, they said nothing. 
I tried to make my normal monthly payment, they said since I'm on no assistance plan, they can only accept the total amount of {$10.00}, XXXX. 

This is ridiculous Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a victim of fraud & identity theft. I contacted Equifax and XXXX TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : XXXX XXXX # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what XXXX XXXX says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded stress/XXXX. I paid the XXXX XXXX account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a XXXX balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: Experian Information Solutions 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:
XXXX reported my student loan as delinquent. Per Covid relief cares all student loan payments should be paused and no collection effort should be reported until XX/XX/XXXX, XXXX XXXX has also been applying interest to my student loan. Not complying with Government policies. I have a subsidized and unsubsidized student loan through XXXX and they are federal loans.

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 2018-12-18
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Escrow had paid my property taxes on my behalf, though they had collected more than needed ( Due to my tax abatement for XXXX Veterans ) after which I have a balance of {$960.00} I had waited for the disbursement to be mailed to me as communicated on their webpage ( File : XXXX - Escrow Guidance ), no luck waiting. 
after waiting this period I have reached out to customer service via their webform, and received an automated message that they received my request ( XX/XX/18 ). I still have not received a reply ( As of XX/XX/18 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX reported my student loan as delinquent. Per Covid relief cares all student loan payments should be paused and no collection effort should be reported until XX/XX/XXXX, XXXX XXXX has also been applying interest to my student loan. Not complying with Government policies. I have a subsidized and unsubsidized student loan through XXXX and they are federal loans.

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 2017-04-19
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company , Seterus , Inc  XXXX , consistently charge an amount that is n't consistent with my records, claims that I owe additional charges in excess of {$2000.00} and refuses to provide any itemization as to the additional charges. The monthly statements consistently reflect an amount in excess of what I feel is owed. The principal amount is questioned. I wrote the corporate office to advise and request the same and have not had the matter addressed to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to XXXX, Transunion, and XXXX proof that XXXX has not sent any validation of debt for all 18 of my student loans in the 30 days, only a letter saying verify. XXXX only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all 18 of my student loans from my consumer credit file. Since, XXXX has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all 18 of my student loans and I only received one piece of paper without anything else according to CFPB XXXX, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.

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 2022-07-19
Company: Navient Solutions, LLC.
State: FL
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:
Since XX/XX/XXXX there has been a COVID mandate where all student loans including Parent Plus loans should not be charged interest. We consolidated our Parent Plus loans FFELP with Navient XXXX of XXXX. We have been making our payments all through COVID and they have been charging interest and late fees. I called them yesterday and spoke to an off shore representative that told me that only the direct loans qualify not to pay interest. I would like all interest payments refunded to me. 
Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My  XXXX  payment for the ford motor credit account was not late. the consumer reporting agency equifax False reported a late payment to ford motor credit. the payment is due on the  XXXX . I made the payment on Friday the  XXXX  which was a Friday, a holid ay (   XXXX   XXXX   ). o n sunday the  XXXX  equifax reported a 31 day late payment. there is no way that ford mortor credit reported a lated payment, they were closed for the holiday. The company also put on my account that it was already paid on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Brown’s New Credit Bureau Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern : This debt has never been validated or verified. I have no recollection of the addresses listed, I have no knowledge of the XXXX  disputes, I have no recollection or first hand knowledge of ever being in contract to do business with Brown 's collection Service. If the the true bill of XXXX XXXX received can be upload or the blue ink signature contract agreeing to this alleged debt is owed, I will agree to settle the account. If those particular documents can not be produced, I demand that the debt collector stop reporting on my consumer report and delete the account. This is beginning to look like we need to reach out to TIGTA in order to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Band of America Credit Card History of this issue is : XX/XX/XXXX a charge showed up on my credit card for XXXX from XXXX XXXX XXXX XX/XX/XXXX The Credit Card Company was called and a dispute of the charge started. 
XX/XX/XXXX we received a letter saying the dispute was settled and a credit was given to the credit card account. 
XX/XX/XXXX 7 of 7 boxes were delivered to our house via XXXX. I was out of town so my husband not knowing what was coming for the holidays signed for the boxes. 
XX/XX/XXXX I called the credit card company to tell them packages were delivered but again neither my husband or I placed the order the representative said the case was closed and to do nothing at this point. 

XX/XX/XXXX we received a letter saying there was no fraud and we were responsible for the XXXX. The charge was placed back on our credit card We called the fraud department back and they said we were to return the items to get a refund. I said I don't know who to return the items to and who will pay the shipping cost. We tried looking up the company on line sending emails, used several phone numbers for contacting the sender to no avail. Once in a while you will speak with someone and they direct you to their email or they just hang up. Some of the phone numbers are routed to a recording that has a menu of prompts to win a beach vacation. No response from emails have ever been acknowledged. 

XX/XX/XXXX we called Bank of America Fraud Department and we were told the case has been reopened. 
XX/XX/XXXX I called Bank of America and said she reopened the case, the representative called the senders numbers provided and she was hung up on 2 times. 
XX/XX/XXXX my husband called Bank of America and he was told we can't speak to anyone in Fraud department about our case but he would re-open the case. 

1 ) How can I be sure my fraud case is really still open and the charge on my card will be removed with any interest accumulated? 
2 ) I would love to send the merchandise back to XXXX XXXX XXXX but not only will they not communicate with me but not the CC card company.

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