BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my fourth complaint with Fay Servicing LLC. I understand the definition of predatory lending and feel that I am currently being subjected to such by this company. My original complaint case # was XXXX was closed in XXXX. However, the information that was required to prove their case has not been provided. After 15 years of paying interest on my home XXXX sold the mortgage and put amounts on the back end of the loan that they could not prove. My first complaint to the CFPB for for that reason, proof that his amount was owed. Although paperwork was submitted by XXXX after the CFPB stepped in, that information did not show proof of the backend amounts. 
This case has been in court for several years now with even the judge not able to get definite proof. My next court date is XX/XX/XXXX. After 15 years of interest payments the loan was sold to XXXX with these backend amounts still unproven. Just recently it was sold again to XXXX XXXX XXXX. These amounts keep getting higher and higher and with no proof. I have not been paying my loan in this time because I fear any payments made would only be applied to the unproven backend amount. I did a modification with XXXX as well as XXXX XXXX and both modifications have come back with amounts that would hinder me the borrower from being able to pay. They have stripped me of all equity, made me uncreditworthy and have consistently encouraged me to take a loan that they know I can not reasonably be able to pay back. The documents from the modifications include unscrupulous practices carried out by the lenders. I have went through a 90 day trial period where I have made payments to these companies only to find out when the modification is done that that the lender has hindered my ability to repay this debt. Currently with the new modification I am required to pay Fay Servicing {$170000.00} by the XXXX of XXXX. Pay XXXX XXXX, who has the mortgage held in trust this time to hide the identity of the buyer, over {$300000.00} over the next 40 years which would make me XXXX at that time and then a balloon payment of {$120000.00} at the end of the 40 years. Totaling about {$600000.00} for a house that I only owed {$220000.00} for the remaining principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: JPMORGAN CHASE & CO.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XX/XX/ XX/XX/ Fee TRANSACTION FEE {$370.00} Show details TRANSACTION FEE XX/XX/ XX/XX/ Fee TRANSACTION FEE {$26.00} XX/XX/ XX/XX/ Fee TRANSACTION FEE {$50.00} Chase has charged me Cash Advance fees when all other times XXXX was a regular tranasaction. There was no warning communication or anything to let the consumer know. I will stop using XXXX purchases for Chase credit cards. 

The XXXX XXXX fees comes as a shock as they readily accept it as a regular purchase before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
name : XXXX XXXX 1. i have been charge more than XXXX more interest on my account since the purchase is about XXXX dollars. 
. 2. I have never receive any notice about the promotion expire, if i do receive a notice, I will do whatever i can do to pay the XXXX dollar balance instead of paying huge amount interest. 
3. I have set up an auto pay with the brandsmart staff, who told me everything is all set, i dont have to worry about anything. 
4. Even i did not pay off the total amount within 24 month, i supposed to pay the interest for whatever the balance is. 
5. I did not receive any letter or notice saying that i will be paying a huge amount of interest, specially during XXXX XXXX pandemic, they should offer more time it is really a difficult for me to pay this crazy amount, and all the bank are trying to help customer to go through this difficult time, i hope they are the same, in the website they are saying the promotion period is extended. 
6. I was put on hold 40 mins in order to talk to a account manger and I got hang up when I was talking.

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 2018-04-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wrote a check from my bank ( XXXX ) to a person with an account at Chase Bank. My bank ( XXXX  ) paid the check on XX/XX/2018 to Chase bank. Chase bank is holding the check from the recipient so the recipient cant get the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
As of XX/XX/XXXX, my job was affected through COVID-19. As on XXXX, I was offered a job a XXXX, and continue be on and off lay off, it can be verified through layoff on news articles, and currently not working due to XXXX complications in the first trimester. Ive called Credit Acceptance if they have any hardship plan that I was able to qualify for during the COVID-19 Pandemic. Unfortunately I was denied. As of XXXX my XXXX XXXX XXXX was Repossess by XXXX XXXX. I paid in the dollar amount of {$690.00}. In order for the truck to be released, unfortunately that would be the only reliable source of transportation meanwhile I find a Suitable and permanent place of employment. As of XXXX I also mention to them that, I mention to them prior repossession occurred that I mention I did call for a hardship program but they mention they did not offer such assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX  verified, which XXXX XXXX does not show any bankruptcy on my credit file. they have lied and said the court house told them I have a bankruptcy, which is a LIE and wrong, because the courthouse sent a letter saying i do not. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. I am getting really frustrated by XXXX  lying about this constantly. 

there is no authorization needed. they have to stop lying and hurting my credit. this is wrong

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 2018-01-29
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'm not sure if you guys have any information on XXXX XXXX student loan they went out of business but before they did I know there was a big lawsuit against them for fraudulent activity well I originally only borrowed a lesser amount then what is now owed, now is crazy an amount, and almost seems as if my loan was doubled somewhere down the road and I can't get any answers from anyone I definitely didn't borrow the amount that they are now showing I owe ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: LoanCare, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/XXXX I applied and received an equity line of credit from XXXX XXXX XXXXfor {$83000.00}. In XX/XX/XXXX I lost my job. I made payments on this account until XX/XX/XXXX. I was not able to find full time employment until XX/XX/XXXX. In the interim my account fell into arrears and was forwarded to collections. In XX/XX/XXXX ( once I became employed again ) I applied and received a mortgage modification with XXXX XXXX. I then contacted XXXX XXXX XXXX. XXXX XXXX  had gone bankrupt in XX/XX/XXXX/XX/XX/XXXX. I was told to contact XXXX XXXX, a collection agency, ( XXXX   ) XXXX and spoke with a XXXX XXXX XXXX. I agreed to pay {$350.00} per month. In XX/XX/XXXX my account was forwarded to XXXX XXXX XXXX, all the while I am paying the agreed upon amount of {$350.00}, the account was current. My account was with XXXX XXXX XXXX until XX/XX/XXXX when my account was forwarded to LoanCare. My XX/XX/XXXX Payment was returned stating the payment was insufficient. In XX/XX/XXXX I contacted XXXX XXXX XXXX   and was informed by rep. XXXX XXXX  that my account was {$20000.00} in arrears.

Upon receipt of my XX/XX/XXXX payment rejection I attempted several times to contact LoanCare via telephone ( XXXX  ) XXXX and ( XXXX ) XXXX.This occurred during the week of XX/XX/XXXX. If someone did answer the phone I was either transferred to a number that rang that no one answered or the call was disconnected. Later that week I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) and was told the minimum payment that would be accepted would be {$700.00} per month and despite making an agreement with the initial collection agency- XXXX XXXX  and never missing a payment my account was even more in arrears than in XX/XX/XXXX.

This communication is sent to complain about this situation and to question what happened to my original agreement with XXXX XXXX XXXX? I have been paying this account for the past 4 years and yet the debt is deepening. I am demanding an answer from Loan Care and I need this answer in writing not a series of disconnected phone calls.

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 2018-01-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I signed up for a credit card at a express store in XXXX, CA in XX/XX/XXXX and when I received my bill in late XX/XX/XXXX it had a late fee. I paid that late fee instead of disputing it and continued making regular payments until XX/XX/XXXX when I paid the remaining amount on the account. Fast forward to XX/XX/XXXX I ran my credit with a service that came free with XXXX   and my score was about 200 points lower than it was on XX/XX/XXXX stating that I had a balance on that express card and it reported late fees. When I called XXXX XXXX ( the bank express uses ) they acknowledged the error and removed the late fees, but said I had to  send in a dispute to get it off my credit report. The cashier at the express typed my address off of my ID and left out the apt number, but I didn't notice this till I started researching how I could owe this much so I'm not sure how I was supposed to receive the bill and why XXXX XXXX couldnt removed this reported late fee after they removed the charges from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I went through a modification process with XXXX XXXX some years ago, account number XXXX. There were 3 different modification specialists that made errors while I went through the process making the process way more extensive than the normal processing time. Due to their error, mishandling of documents sent via fax and other issues that were no fault of my own. Continuously contacting them to verify documents and being told to wait and then after numerous months they would again claim they didnt have the documents which eventually admitting they had which I knew they had as I had faxed. I would complain about the reps being neglectful and each time, I had to start over with another rep doing the same thing and not being informed throughout this extended process that they put late payments on my credit report again because of their neglect numerous late payments were put on my credit reports which was not fair and I am being penalized. I have been a loyal customer with this organization. I have been loyal to this organization and I have had 3 homes with the organizations transitions. I started off with XXXX XXXX, then XXXX now XXXX XXXX. This is not right for me to be penalized with all of these late history payment recorded. This obsolete account has been on my credit reports since XX/XX/2005 and they have uncountable unfair late payments recorded for my history of payments.

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 2020-06-25
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to get some incorrect information investigated on my credit file and none of the bureaus have responded. I have tried twice already and I still haven't received anything??? The first letter to each company was send on XX/XX/XXXX of this year then XX/XX/XXXX How is this right? I gave them all the documents they website indicated would be needed to investigate things so they can't use that as an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2014 I went to XXXX XXXX to have XXXX XXXX from my XXXX they did 1 session approved me for card XXXX. After session I was told laser would only pick up dark hairs that was 20 % the largest part of my facial hairs are grey so I would have to try another option they offer. So I refused paid {$170.00} they continue to sell to collection agency XXXX XXXX I have asked numerous times for itemize charges I used {$4100.00} I never get because 1 session did not cost XXXX XXXX and I believe the 1 session I did and paid XXXX was fair they continue to ruin my credit and I'm constantly getting calls about suing me. Please help me I have other issues I'm fighting XXXX XXXX and I constantly have to deal with this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have auto-pay set up for the XXXX and XXXX XXXX of the Month, i login and pay online via credit card on each due date. Within XXXX the harassment starts via constant calling and saying the payment has not been made! i continue to get called constantly throughout the day by Bridgecrest financial agent claiming payment was not made. 

There has to be a way to make them stop. 

Payment is XXXX semi monthly XXXX and last day of the month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Diversified Consultants, 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: Account status incorrect

Complaint:
Hello, I recently moved services with XXXX back in XX/XX/2018 but I was unable to transfer my services because it was offered at our new location. I paid my final bill with XXXX and went about my business. Today I get a notification from XXXX, XXXX and XXXX that I have a collection on my credit report for {$260.00}. Please investigate and have said company remove this collection from my credit report as I am preparing to buy a home. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Rausch Sturm LLP
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt is considered to be statute of limitation last payment made in XXXX limitation for this is 5 years for state of nebraska they switch companies and report it to credit bureau as new debt.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I XXXX XXXX am filing a complaint against the Experian Credit Bureau because for the past 2 years I do not have a credit score and after calling and writing the company this important issue has not been resolved. This problem has cause me not to be able to get approved for any kind of business funding from my Bank.

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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear CFPB, Beginning 2018, I have mailed multiple disputes to Transunion, XXXX  and XXXX  for the following accounts. On XXXX XXXX, I mailed additional disputes to all of the above credit bureaus with the Police Identity Theft Report ( attached ) and Notarized Identity Theft Affidavit ( attached ) for the following accounts by USPS with Tracking Numbers. 

XXXX XXXX {$13000.00}, XXXX {$460.00}, XXXX XXXX {$200.00}, XXXX   {$84.00}. 

Transunion and XXXX  removed all of the above fraudulent accounts except XXXX XXXX and XXXX  did not remove any of the fraudulent accounts, Because they have not removed these fraudulent accounts, it is severely damaging my credit scores and is preventing me from purchasing my first home for my family.

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 2021-08-16
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, I received a letter from the treasury department, informing me that my mortgage provider ha snot made payments on the taxes of my home, even though I have an escrow account and pay my mortgage on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was done with college in 2009. I got sick with XXXX XXXX XXXX shortly after I was done with school and ended up XXXX my job. I was newly diagnosed with the XXXX and had no idea how to control it so it took me a long to to get it some what under control. I contacted Navient about how to get help with my payments, they put me on a forberance and continued to do so for a few years and finally When my wife was dealing with her loan provider she was told about an idr. so i called navient about it and then all the suden they didnt have my file no more it was now with a company called pioneer recovery. finally after months of the run around I had to get out of default with a 12 month payment program then i could get on the idr. The payments i made to the program i have never seen applied to my loans. i was on the idr untill the coronavirus pandemic started and it expired a month ago. I have also been getting notices from navient every month about the intrest on my student loans continuing to add up and I thought it was suppossed to be paused.. I just recently found out about how they were suppossed to be fixing this issue and was wondering how or when because payments are suppossed to start back up soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been misled and denied a fair lending opportunity by Wells Fargo bank for a refinance on my home loan. 

Due to the banks fault as admitted they falsely led me believe that my loan was approved and charged me fees such as application processing fees and appraisals. 

I was finally denied the refinance and after mich argument they relucantly refunded my appraisal but not the application fee. 

All relevand facts are included on banks response

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 2021-01-29
Company: AMERICAN EXPRESS COMPANY
State: MA
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 see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: JSZ Financial Co., Inc.
State: TX
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 XXXXXXXX XXXX XXXX XXXX, UTILITIES, UNNAMED APARTMENT COMPLEX WITH FRAUD ADDRESS, FRAUD ADDRESS IN XXXX, TX

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