BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I 'm a long time Chase bank customer with an excellent credit score ( XXXX fico ) and income ( XXXX/annual ) and I submitted a used auto loan application for XXXX over the phone based upon their advertised used auto loan rate of 2.06 %. This rate had the following assumptions posted : loan to value of 95 % for used vehicle, excellent credit history, and loan amount of XXXX. After submitting my application, I received a quoted rate of 4.79 %. I requested to speak to the underwriter who told me that the high rate was due to the loan to value for the auto loan. I asked them to update the loan amount to reflect the 95 % loan to value for my requested vehicle ( XXXX ). She updated the application and came back with a quoted rate of 2.79 %. I asked her why my rate was still not the advertised 2.06 % and she said because I my loan was n't using the specific model/year in the assumptions. I believe this is a clear instance of bait and switch tactics as there 's probably such a minuscule probability that an applicant have the exact vehicle model/year, credit score, and Chase checking account to qualify for the advertised rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX was placed on my credit report as a charge off for the amount of XXXX on XX/XX/2021. I called XXXX XXXX and they stayed that this account was not placed for collection with any of the Credit Bureaus and that I need to give the Bureaus a call and talk to them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Ability Recovery Services, LLC
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report this debt is showing as opened on XX/XX/2018. I do not owe this debt nor have I ever received any documentation regarding this 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 2017-03-02
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted a payment by mail to Nelnet ( loan servicer ) with explicit instructions that the amount of {$7300.00} was to be applied to Group A, Loan 1, which is my highest interest rate loan. Instead, they spread payment across all the student loans that I have. The other loans have a much lower interest rate. I assume they thought I would not notice and reap the additional monies earned through the higher interest rate. Student loan servicers should not be allowed to do this and should be required to apply payments to highest interest loan unless otherwise instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
I have a chase credit card account that has low rates due to balance transfers that are fixed until it is paid. Several different transfers were made at different rates. The balance of the portion of my account with an interest rate at 4.99 % was {$2400.00} as of my statement date XX/XX/XXXX. The balance on that portion of my account has grown to {$3100.00} as of XX/XX/XXXX. I have made extra payments and can not tell where any of those payments have been applied to this balance portion of the account. This has been the highest rate portion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In the Fall of XX/XX/2005 I was attending the XXXX XXXX of New York. I became ill shortly after the semester began ( approximately two weeks ) and was taken to a hospital in XXXX. The doctors informed me I must return home and rest for two weeks then I could return to classes. I notified The XXXX XXXX immediately and returned home to XXXX to recuperate. The first week I was home I received a phone call from the school informing me I could not return to classes as I would be missing too much class work. I offered to do my school work at home but was denied this opportunity. I asked for my loan disbursement of {$6000.00} be returned to Navient ( then Sallie Mae ) and I was told to contact Navient which I did. They stated they could not help me and that the school had to return the funds. Neither XXXX XXXX XXXX nor Navient was willing to help me. My official transcript states I withdrew from all my courses but does not state I was forced to withdraw due to illness. 


Over the years I have made calls to Navient to help me with this loan. Also I was never given the opportunity to use this loan for my continuing education back in Massachusetts the following semester. I was told to contact the school but unfortunately the XXXX XXXX is now defunct. I contacted the parent company of XXXX, XXXX XXXX XXXX XXXX, and again I was told the decision was up to Navient. 


My request for Navient is I want this loan discharged as I did not use this money for my education. 

PLEASE DO NOT TELL ME TO CONTACT THE XXXX XXXX AS THEY HAVE TOLD ME TO CONTACT NAVIENT. 

ALL BUT THIS ONE LOAN WITH NAVIENT HAS BEEN PAID OFF BY ME. ALSO, MY PAYMENT HISTORY WITH NAVIENT IS IMPECCABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home loan with Chase and for some reason I think they do unfair things with the owner of the house. I asked a questions about a bill I received regarding my property in California and was told they would check it out and get back with me yet they paid the bill and to this date if I had not looked at my account on line I would have not known that they were increasing my mortgage payment. They keep charging me an extra {$15.00} and for what reason I do n't know. I have received money back for them during things that were not fair but it was added to my loan. I have asked for an audit but for some reason they do n't do one, they send you information with a lot of number to where they are the only one who understand they. I have also tried to get my daughter name added to my account and we went through XXXX, because they did n't know what to tell us or what was needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have to call monthly to have my loans placed in a status of in school deferment. This organization does every thing possible to attempt to collect even false statements. It is difficult enough to complete classes without having to worry about an organization looking for a way to extort funds from students, they will add fees to this when it should be in deferment, lying stating that the school shows me to have withdrawn, and any other method I am sure I have n't seen yet. if this is happening to me then I know it is happening to thousands of others. Their authorization for this service should be removed for service of any student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Coastal Credit, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In 2007, I had a car loan with Coastal Credit LLC, for a minivan. The van was a Lemmon ever since it was purchased, the 2nd day we had it the front breaks fell off while driving with my children in the vehicle. Finally we had enough and told Coastal Credit to come pick it up. They took the van and sold it. We received a phone call from a very rude representative saying the van was sold and it was charged off and taken as a company loss because they were not making a profit on it. We never heard from them again until I get a court judgement in the mail today for {$40000.00} which before they took the van, is more than the loan was for, much more. So, we don't hear anything from them for 11 years, and then we get court documents, 11 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My grandmother has been in the process of a loan modification for the the last 18months. 
When documents are requested and submitted the lender comes back a month later asking for more documents then says that the other documents have expired and they need to be sent again. They are sent again with more requests. Information was sent regarding the property being in a trust, then a month later they want the property taken out of the trust and put solely in my grandmothers name, by that time she was told the application had expired. Now we receive a letter stating that the loan has been acquired by a new servicer, XXXX. No mention of the the modification. I called to speak to the relationship manager and she made no mention of anything. Why are they doing this. They also refused to take payment because it was not the full payment. Chase was informed from the beginning that the rising interest rate would put us in a hardship. Now the modification is not done and the loan has been sold to another company. I tried to assume the loan 2 years ago but was denied. This is heartbreaking my grandmother is XXXX years old and this situation is taking a toll on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Please see complaint Case number : XXXX - Where Nissan Motor Acceptance Corporation significantly abused an elderly victim and where they assisted a Nissan dealership in conducting fraudulent activity. 

This previous complaint was filed by myself XXXX XXXX XXXX with sufficient power of attorney to represent XXXX XXXX in the matter of fraud Nissan Motor company continues to perpetrate. Such POA had been previously provided ( on or around XXXX 2015 ) to NMAC so they were aware that I had this power and knowing I was an authorized agent of the victim should have appropriately answered the complaint and not just shirked such responsibility. 

Now in addition to the previous complaint it has come to our attention that NMAC illegally seized a refund of over {$6000.00} from a vehicle maintenance plan. This was paid for by the vehicle equity the victim was deceived into trading in and the demanded cash downpayment obtained through this elder abuse. As NMAC had no superior claim, and in fact, since there was no contract, NMAC had NO CLAIM to the proceeds of that refund. It is clear NMAC has no issue continuing its illegal behavior and in continuing to unfairly treat and abuse its victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have inquiries on my report that are not mine. I sent in the dispute over a month ago and no one contacted me or resolve the issue yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was with a company called XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX my mortgage was transferred to Freedom Mortgage. Sometime in XXXX Freedom Mortgage informed me that I now needed to buy hurricane insurance, which was not required before. I called them and they convinced me that I had no choice in the matter. I immediately called my insurance agent and she immediately added the required hurricane insurance. Today I received a letter dated XX/XX/XXXX telling me that they received the updated wind coverage, but they are going to charge me for wind coverage from XX/XX/XXXX to XXXX/XXXX/XXXX if I don't buy or prove coverage for that time frame. It is now XX/XX/XXXX. I should not have to pay for coverage for a time that has already passed. Nobody needs coverage for the past. They are going to charge me almost {$150.00} for something that can never be used. This is not right. They have already caused me an additional {$1000.00} a year and now they are just trying to rip me off. Please help! Thank you!

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 2020-07-01
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried for the past month to get Mr. Cooper formerly Seterus to  remove the PMI from my account. I have requested in writing and inform them my balance is within the equired 20 %. A representative continues to inform me that I must call them and not request a written document. I have informed them in writing that I am currently offshore and due to COVID-19 unable to make such a call due to cell phone hacking. 

It has come to another month 's payment and I have not received an adjustment notice as to date. 

I was also informed that I would need to pay {$150.00} for an appraisal. I am fine with the appraisal, although it has been determined that I am within the required amount and due to COVID-19 all appraisals are being conducted remotely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: DOLEX DOLLAR EXPRESS, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My cousin call that he was in the car accident and he needed {$800.00} to pay the lady because he didn't have insurance on his car and she would be good. That she had her brother that passed away and was going to XXXX so I sent transaction # XXXX. Then he called again and said he need {$500.00} more to fix his car and which I sent on transaction # XXXX. Then, this person called again and wanted more. So, it sounded suspicious and I called his wife and none of this was true. The number that called me was XXXX. So i called to cancel and get a refund at number XXXX ( XXXX ) XXXX. They said there was nothing they could do but block this person on therein because it has it was cashed out. 
My phone number is ( XXXX ) XXXX XXXX or ( XXXX ) XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: CA
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:
Hello im writing this complaint because I looked at my credit report and noticed some accounts reporting that shouldn't be. im well aware of my consumer rights as I am federally protected from bureaus put together to create an elaborate mechanism to ruin my reputation. due to poor credit i am paying hundred of more on interest than I should be. please help me stop these bureaus from reporting accounts they shouldn't be pursuant title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. PLEASE KEEP IN MIND THE THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.

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 2020-07-01
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. PLEASE KEEP IN MIND THE THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.

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 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TransUnion tricked me into purchasing a monthly credit reporting subscription. Upon going to their website, TransUnion automatically directs you to a site that is marketing their monthly subscription. I know I am not the first consumer to complain about this. The only thing that is advertised on the page is " Get Your Credit Score. '' Written in tiny print at the very bottom ( WHERE YOU MUST SCROLL DOWN TO SEE ) is that it will charge XXXX per month. The problem I have with this is that it is the only place in the whole process that says you will be charged. Later on, in the process of getting your score, it says " Please Provide a credit card that is linked to your score, '' with the intent that they need a score to verify that my credit score actually belongs to me. Unbeknownst, they charged me for a monthly subscription. TransUnion is one of 3 free credit reports, and it is absolute XXXX that they are tricking customers into paying for a free score. After reading up, I realized that TransUnion has been caught conducting shady acts likes this before. If TransUnion does not reimburse the full amount, I will file a dispute with my credit card company. XX/XX/XXXX18.

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 2020-02-04
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After numerous phone calls requesing the account to be closeed, the last on one on XX/XX/2020, Citibank will not close my savings account which has a {$0.00} balance. 
My concern is that they will charge me a {$25.00} monthly fee.

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 2020-08-24
Company: Fairway Independent Mortgage Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recieved a preapproval letter for XXXX, FHA in XX/XX/2020. Due to Corona virus it expired. I recieved a second preapproval for a conventional loan. Due to the mortgage company pulling my credit seven times my credit score dropped. Which red flagged me so I didnt qualify  for the XXXX or the conventional loan at this point. She they went back to the FHA. XXXX and my daughter are on XXXX ( she is a minor ) they asked for proof of her income for 3 years. Social security wrote a letter stating she will recieve dependent benefits until XXXX XXXX, her school also wrote a letter stating she will need services until XXXX years of age. This paperwork is not acceptable to them. If they would not have pulled my credit seven times I wouldn't have to have those letters. Now we will be homeless because my lease is up where I am and we were supose to close XX/XX/XXXX. It's now XX/XX/XXXX and they are denying me.

Company response to consumer: Closed with monetary relief