BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan holder is Navient, formerly XXXX XXXX. My account number is XXXX. I have several types of federal and private loans with them as I have loans from XXXX my time as an undergraduate and as a XXXX student. When I initially graduated XXXX school my loan payments were roughly {$2000.00} a month. I was able to pause payments while I looked for employment. Since finding employment some seven months after graduation, I have made a steady {$60000.00} a year. Upon beginning employment, I asked Navient if I had options for income-based payments. They told me to fill out an application for Income Based and Income Contingent payments and to select that I want Navient to choose whichever is the best option for me. I complied ( through some effort because there was an issue processing my application ) and eventually my payments went down to {$1500.00}. However, after speaking with a fellow attorney who had more total debt than I did and made the same exact salary, I was worried something had gone wrong because where he was only paying {$300.00} a month I was paying {$1500.00}. I called Navient and asked them to look into this and I was informed that they had done something wrong with my application and my payments should actually be lower. However, my payments were only lowered to {$1000.00} a month. I asked if there was any other way to lower my payments as I literally can not afford to move out of my father 's house on this salary and am struggling to make the payments and was told that because of the way my loans were " grouped '' there was nothing that could be done. I have been making the payments at {$1000.00} a month but it really is an unbearable imposition. I can not afford to live on my own when paying {$1000.00} a month for my student loans on top of all the other financial responsibilities I have. Furthermore, most attorneys I speak to are shocked that I pay so much more than they do in comparable circumstances. I want to make sure that the amount I pay really is the fairest amount and that I am not being taken advantage of by Navient. In spite of my continued efforts I still find myself drowning in these payments. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
At the beginning of this month, XXXX, I looked at my credit report and found multiple inconsistent and inaccurate information from multiple creditors. One of those creditors is Chase. They are reporting two accounts to the credit bureaus, with multiple inaccuracies and inconsistent information that violates the FCRA and is non Metro2 compliant. 

Because of these violations, on XX/XX/2021, I sent Chase a letter stating that they are reporting inaccurate & inconsistent information on my credit report. I requested that they show me proof that they are reporting 100 % accurate information, and if they could not provide me sufficient proof, then I request an immediate deletion. 

On XX/XX/2021, Chase sent me a letter back stating " Your request didn't have enough information for us to begin an investigation. '' Which I don't agree with. I sent them a letter with all the information they needed to start an investigation. 

I am reaching out to the CFPB to make sure that Chase takes my concerns seriously and helps me delete this inaccurate and inconsistent information off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Shellpoint is falsifying that XXXX XXXX reached out to them on XX/XX/2021. 

My case number is XXXX. 

Shellpoint recycled an old letter where they omitted facts that Shellpoint sent me two official statements saying that my trial modification amount was {$990.00}. I paid {$990.00} on the second trial payment and {$990.00} on the third trial payment. Shellpoint waited until after the third trial payment was successfully made to decline to finalize my trial modification. Just because Shellpoint pulls out an old self-serving letter, that does not mean the issue was addressed.

Shellpoint is continuing to falsely create different reasons for making me pay for their error. Currently, they are saying XXXX XXXX 's supervisor overruled the modification approval letter that he said was being sent XX/XX/2021. Then, they said that loss mitigation was working on it. Then, a fathom in escalations was working on it. These excuses were made after they lied and said that the modification redo was what XXXX XXXX approved. 

However, XXXX XXXX was not made aware that Shellpoint sent me different statements and that I complied with their correspondence. 

XXXX XXXX is not telling the truth that XXXX XXXX has not reached out to Shellpoint. 

My case number is XXXX with XXXX XXXX. Each time I call they say they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Negative late reportings reported by Navient regarding my private student loan to the Credit Bureau. Navient was sending letters to wrong address for months regarding my loan information. Never reached me via phone regarding my loan status. Navient representatives have given me false and inaccurate information pertaining to my private loan for months. Received forbearance for private loan, yet still received negative markings on my credit report to the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Berlin-Wheeler Inc. and XXXX XXXX are attempting to collect an amount of {$430.00} of which I do not owe. Berlin-Wheeler has failed to attempt to contact me or send my a sheet breaking down all cost showing why i owe the balance of {$430.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Eastern Account Systems of Connecticut, Inc.
State: IL
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 received an alert from the credit monitoring company that lowered my credit score. The alert was from a collection agency stating that I owed {$1500.00} to XXXX. I do not have nor have I had a XXXX account. The collection agency is Eastern Account System at XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I tried to call them to resolve the issue but my call was never answered. Since then, I contacted my credit monitoring company to report the incident. They suggested that I file a thief ID affidavit form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$100.00}

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 2021-08-31
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
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 have a loan with FEDLOAN. The current status should not be showing late because I think I paid on time. This just proves that XXXX  Credit Bureau lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
FEDLOAN-XXXX-Balance $ XXXX-Date Opened : XXXX-High Credit : {$3000.00} FEDLOAN-XXXX-Balance $ XXXX-Date Opened : XXXX-High Credit : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: J J Marshall & Associates, Inc
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have disputed this debt because I do not know who JJ Marshall and Associates are, they are on my credit, I have never applied for or done business with them, and they sent me medical billing information. I believe this violates my rights according to HIPPA. I have also demanded several times that they stop calling me, to no avail. PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CMRE Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted the hospital where I went to the ER and this is not the company I owe my debt to. They have repeatedly harassed me despite the fact I have made it clear that I know that I do not owe my debt to them and will not supply them with my personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Complaint filed with Consumer Financial Protect Agency on their website on XXXX https : //help.consumerfinance.gov/app/creditreporting/ask On XXXX I sent a certified letter to Equifax disputing XXXX Acc # XXXX and Bankruptcy # XXXX. On XXXX I sent another letter stating that I previously sent y a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. Then on XXXX I sent a 3rd letter stating : " '' Why do you continue to send back a response that says, " Previously investigated ''? You continue to list items that are not mine and you expect me to prove these are inaccurate. You are reporting my sensitive financial information incorrectly and I demand that they be corrected immediately. You are required by law to provide me verifiable proof '' ( Section 611 ) of the accounts you list. I realize your incomes are derived from the sale of informational lists and keeping derogatory information on the report to look good to the creditors. I demand that these accounts be deleted or verified with my original documentation provided to me immediately or I will file a formal complaint to the Attorney General 's office and the FTC. '' '' As of today, I still have not received any viable proof from Equifax regarding these accounts and after checking my credit report today, I saw that after 6 months they still have NOT removed this item. 

They did ; however, remove XXXX open revolving credit card accounts that are in good standing with XXXX that I never asked them to investigate, dropping my credit score by XXXX points. I demand these items be reinstated on my credit report The third issue with Equifax is that they removed an item previously disputed " Bankruptcy # XXXX '' '' in XXXX after my second letter, and then re-inserted into my credit file on XXXX. They are required to notify me within XXXX ( XXXX ) days of re-inserting a previously deleted item. I did not receive any such notification. This item must be deleted immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Chase Sapphire Reserve Credit Card. The aforementioned card has a trip cancellation benefit that I filed a claim for two separate vacations which were cancelled due to military orders. I supplied the lengthy amount of documentation that was required, followed up several times and was eventually denied both claims. Eclaimsline stated they were denied because I was " afraid to travel due to COVID-19. That is not that case. The military has ordered me to my locality, I am not authorized to travel beyond two hours from my residence while the military order is in effect. I'm paying an annual fee of {$550.00} for this benefit and the company has made every excuse possible and/or losing paperwork to deny my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-22
Company: JPMORGAN CHASE & CO.
State: KS
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:
I fi  led a complaint with your office a couple of months ago regarding a late fee assessed by Chase on my credit card. Specifically, they applied a payment that should have been for the new billing cycle to the previous billing cycle. I called and complained, so they removed the late fee from the account and I followed up by filing a complaint with your office due to how they improperly billed the account.
Since then, even though the late fee was removed, they have bille  d interest twice on the late payment. My first balance subject to interest is on  XXXX , so I should not receive any interest on balance transfers and have never made a purchase on the account. So it is clear they are billing interest based on a late fee that was removed. I am including statements for your records to show the interest billed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.

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 2022-04-16
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 information incorrect

Complaint:
After several dispute requests, Experian did not update, correct or delete the XXXX XXXX account # XXXX. 

There is still an incomplete payment history which shows huge gaps of no payments reporting at all, even though Experian says it was updated. The last status update was XX/XX/2020.

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 2022-04-14
Company: MOHELA
State: OH
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:
The school I attended filed chapter XXXX bankruptcy after defrauding me on earning potential and loan process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My report shows XXXX collection account. This account does not belong to me. I have submitted disputes twice, and was advised both times " ... disputed account or inquiry is currently not reporting on your Equifax credit file ... ''. I am currently staring at the report provided by Equifax which shows the account in dispute that they repeatedly claim is n't showing. 
Equifax is currently in denial of reporting erroneous information on my report as I read the disputed information from the report provided by them. Mistakes happen, but too many folks are n't doing their job. I find this situation, at best, lazy and at worst disingenuous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had Forster Garbus, LLP contact me at my place of employment, which my employer does not allow, from phone number XXXX. They told me they are attempting to collect a debt from XXXX, a company I have never heard of. This debt they claim I have never been contacted about in the past, it does not show up on my credit report, and I have never heard of it. It is fraudulent and so was the harassing phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Falls Collection Service Inc.
State: IL
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:
Dated XX/XX/XXXX I received a collections notice from XXXX XXXX XXXX in reference to XXXX XXXX XXXX in the amount of {$550.00}. I don't know who this collections agency ( FCS ) is nor have I agreed to do any business with this organization. I have not signed any agreement of any kind with FCS. Please refer this alleged debt to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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 incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$35000.00}

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 2015-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Arbitration

Complaint:
Approximately 2 years ago I contacted XXXX XXXX XXXX ( XXXX ) to settle XXXX large debts I had with a couple of credit card companies. We arranged an amount of money to be drafted to them once a month - and when there were enough funds they would negotiate a settlement with the companies. Everything was fine with XXXX of the companies - a settlement was reached in XXXX XXXX. The other - Bank of America ( FIA card services as it was then XXXX ) - was a different matter. I waited another year and when I thought I had enough funds in my account began to call them about the other settlement. It was then I found out that they used a different company - XXXX XXXX XXXX - to negotiate the settlement ( although XXXX held my money ). I was given a gentleman called XXXX XXXX at XXXX as my negotiator. From then on - despite numerous telephone calls and emails from me, nothing was done, even though they continued to deduct my monthly payment. It was not until recently ( XXXX XXXX, XXXX ) that XXXX ( XXXX ) admitted that since XXXX they were no longer authorized to negotiate with B of A, and he suggested that I call them and try to negotiate a settlement. I explained that if that had been my intent in the XXXX place, why would I have needed them at all. I expressed my desire to have all my funds returned to me immediately, and I would try to deal with it myself. That is when I was also told that they did n't have my funds - XXXX did. I contacted XXXX by email and telephone, however, the " Customer Service Reps '' were extremely rude - talking over me as I tried to explain my problem and even hanging up on me! I finally managed to contact a supervisor ( XXXX ) who was very helpful and returned my funds ( {$7500.00} ), but I felt I was owed more than that given the length of time it had taken for this to happen ( a year and a half ), the amount of time and energy I had invested in getting to the truth, the fact that they did not put the money in some sort of interest bearing account, the appalling behavior of the customer service reps at both companies and the continual misinformation I was given. And I STILL have not resolved my debt to B of A. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation