BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
At the request of Carrington Mortgage, I have been making my mortgage payment using XXXX Collect since XX/XX/2016. Carrington mortgage is reporting that I made XXXX late payments more than 30 days late for the months of XX/XX/XXXX & XX/XX/2016. However, neither XXXX of these payments were made more than 30 days late. I filed a dispute back at the end of XX/XX/2016 I have submitted my original receipts showing the date and the time these payments were made and Carrington Mortgage has still refused to correct my Transunion, Equifax and Experian. The dispute was closed and all Carrington did was report a different balance to the credit bureaus. The update from Transunion was completed/closed stating " your mortgage balance has increased from {$98000.00} to {$98000.00} which is the same balance. This dispute did n't do anything to update the late payments or nothing to redeem my score dropping XXXX points from this error. The XX/XX/XXXX payment was made on XX/XX/2016 at XXXX PST and the XX/XX/XXXX Payment was made on XX/XX/2016 at XXXX PST. These payments were made on time as an Urgent Payment via XXXX XXXX XXXX XXXX. These payments are sent without delay and sent within minutes. Based on the XXXX policy, payments can be delayed if they made after XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX XXXX. Carrington Mortgage did not acknowledge my payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington did not acknowledge the second payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington mortgage is required to report accurate information to the credit bureaus and they are refusing to correct their mistake. I have attached the original receipts and a letter from XXXX showing that these payments were made before the XXXX days late mark.. No doubt the inclusion of this inaccurate information is a mistake on the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a refinance, which was highly embarrassing and has negatively impacted my lifestyle. Please work with Carrington to do the right thing and have these inaccurate late payments removed from my credit report with all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage has advised I had an escrow shortage of {$700.00} which raised my monthly payment from {$810.00} to XXXX, they have advised again within 90 days that my escrow was short by {$700.00} and raised my monthly payment again from {$890.00} to {$910.00} within 90 days. 

This is absurd. I have never in the entire time I have had my loan had this happen while I was with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are two collections on my XXXX credit report that does not belong to me. I never knew of these collections until I turned XXXX. My father name is XXXX XXXX XXXX his social security number is XXXX, birth date XXXX He lives at XXXX XXXX XXXX MI, he used his middle and last name, his address, with my social security with a fake year of birth to open these accounts. I had no knowledge of these two accounts on my XXXX credit report. AFNI, INC XXXX / XXXX. 2. XXXX XXXX XXXX XXXXXXXX date opened XXXXXXXX XXXX I need these accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: NE PROCESSING LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I 've received phone calls from am unknown number and then they started calling from a bunch of random numbers : XXXX, XXXX. The unknown number said that they are going to serve me with papers unless I call this XXXX number and make a payment. I have no idea what they 're talking about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-18
Company: TMX Finance LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had went to title max in Virginia, and took an loan out on the my 2000 Mitsubishi galant. For only XXXX dollats I have to pay back almost XXXX dollars back. So my friend got into a car accident due to bad weather. I know longer have the car and I told titleax that and to go pik up the car. They refuse tp go pik the car up and keep harrassing me everday about making payments. They told me to go pay for the car that have been sitting at the garage for about a month now. They call from block numbers and differeng numbers everyday and leave voice mail after voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : TD BANK XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I first contacted the hospital in reference to XXXX medical bills showing on my credit report. They would not give me any information about this debt, saying that all communication must go through the collection agency. They stated I must contact Syndicated Office Systems for any information. I called Syndicated Office Systems and inquired. They refused to give me any information about the debts, dates of treatment or anything else. They insisted that I must provide them a phone number, even after I advised them of my name and SSN. Their representative was rude and abusive and hung up on me when I advised him that I would not supply a telephone number.

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 2015-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a complaint number XXXX account number XXXX. I was told they would remove the {$510.00}. I submitted the XXXX form as requested and Bank of America continued to charge me {$510.00}. Bank of America told me that they would remove said charges and have failed to keep there promise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I currently have XXXX Loans from Navient. They have screwed up a bunch of my payments. Last year in XXXX I applied to have my payments reduced because I was unable to make the payments. They told me they would inform me if I was accepted to have them reduced. They took double the amount of money out of my account and when I called back later that month they told me that I was denied, and that I could apply for it to have it reduced for one year. So that being the only thing that I could do I accepted, and the process I went through to be approved took forever. They messed up my information did not inform me how much and when my payments were to be made. Dealing with Navient has been nothing but trouble and causing me nothing but stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Experian Information Solutions Inc.
State: CA
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 am unable to get all reports Experian XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as child support payments. Its preventing me from getting a loan and growing my business I would liked this information removes XXXX XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/333 XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2009 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Please refer to events which occurred by referring to CFPB complaint XXXX. This complaint is related to the above CFPB case no. XXXX. 

I might add to this case that the XXXX office -may have opened up a case against me to protect misconduct falsified documents created by XXXX employees XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( man who held the unlawful auction related to my owner occupied home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX - XXXX ignored a Federal Cease and Desist Order issued by my attorney ) DUE to a Television Interview conducted with me by a XXXX XXXX XXXX XXXX XXXX back XX/XX/XXXX. I believe a lower court BK judge was mad that I diplomatically exposed the abuse which I endured in her courtroom. When I tried to reach for help whether XXXX office, XXXX or XXXX XXXX or Congresswoman XXXX XXXX related to the falsified documents - I was always ignored. I have reason to believe due to XXXX opening a investigation on me due to someone not liking my interview. The interview was educational and based on my experience as a mortgage professional who sold loans following CA commercial codes. Please refer to Case No. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My wages are being garnished, I had no idea this was going to happen till I got the letter from my work stating it was, and saw on my first paycheck. I would like to have the garnishment stopped and start a payment plan, the garnishment is to high and is cause major finical hardship. I cant seem to find anyone who can help me with this. My old loan provider ( Nelnet ) has no information for me and I cant seem to get ahold of anyone with the department of education collections. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Loan servicer - Navient My loan will go into repayment on XX/XX/XXXX. I have been trying for the past two months ( starting in XX/XX/XXXX ) to get information about setting up Autopay. The four times I have called at different time points in the past two months has yielded different information each time. No one in customer service was able to tell me when I could start setting up Autopay, the timeline given for processing autopay was incorrect. I was also having difficulty setting up autopay as I kept getting kicked out of the website altogether. The customer service representative was unable to direct me to the correct person and I was told twice ( 3 weeks apart ) that I should just try once my deferment was over even though it was a technical issue. 

My Autopay is still in process and it is still not clear exactly what the rules are on being able to set it up. The burden on making sure the issues ( technical ) is on the customer.

The paper format to setup Autopay can take up to 60 days which would mean the customer would miss out on the discount at the beginning through no fault of their own. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: ALLY FINANCIAL INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender .. this was ran through a third-party with out my permission for these particular company thanks 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 2016-01-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. Chase Bank bought out another Bank and was " Updating " their computer systems due to buy out in XX/XX/XXXX. When I made my mortgage payment XX/XX/XXXX, it did NOT go through do to this. Chase bank called me to report this to me. I then made XX/XX/XXXX & XX/XX/XXXX payment. I was told by Chase this would NOT affect me in anyway. 
2. Fight thing every Year. They continued to report it as a 30 day late in XX/XX/XXXX!!! 
3. XX/XX/XXXX to the end of the month, Chase Bank changed my credit report 3 times. 
A. 30 days XX/XX/XXXX ... .. Falsly being REPORTED B. Changed it XX/XX/XXXX to 30-60 day late. 
C. Then again on XX/XX/XXXX to " XX/XX/XXXX as 30 days late ''. 
They names that have Fraudulently changed my report is " XXXX, XXXX XXXX ( supervisor ), XXXX, then XXXX XXXX ( manager in Texas ) all with Chase Mortgage & Credit Department. Refuse to remove due to their mistakes. I feel my Rights have been violated and Fraud of my credit reporting Act per Chase Bank. I am demanding it to be Removed per all the mistakes of Chase Bank. Please help!!! My Chase account number was # XXXX. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Issue: APR or interest rate

Complaint:
I received my credit card statement in XXXX and paid the amount in full, including interest charged. When I received my XXXX statement I was being charged a " residual interest '' amount of {$5.00}. Nothing else is due, only {$5.00}. I reached out to Chase about this and they were the one 's that informed me about the " residual interest '' is from XXXX not being paid in full, even though I paid in full my XXXX statement. I do n't know if what they are doing is right or legal. I am submitting payment because I do n't have Chase to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
debt was charged off in 2008 in South Carolina called today was told by XXXX XXXX that the he was collecting a very old debt from Bank of America and was threating legal action we asked about the statute of limitations being way past, he said in not so many words they had a loophole and we best comply

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 2018-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX I went on line to pay my account and notice two of my accounts were closed without me knowing, never received a letter or nothing. I called on XX/XX/XXXX and spoke to a credit specialist at Capital One asking why were my accounts closed and he ( XXXX ) couldn't tell me. Both of these accounts were open XX/XX/XXXX/XX/XX/XXXX never been 30 days past due on never account. I been trying to establish good payment history to better my credit. These can't be right how companies mistreat consumers like me.Now it's showing on my credit closed and credit score has gone down.I needed these two accounts to build my credit up.I called again the following day and Capital One just told me to cut cards up and make sure I pay the bill mthly.Is this right?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Westlake Services, LLC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Well the only place that would loan me money because of my credit is Wilshire Consumer Credit. I borrowed against my truck and still owe more than I borrowed and they are charginh me 59 % interest rate and the XXXX told me to contact you. My account number is XXXX Contract Details Amount Financed {$3300.00} Maturity Date XXXX/XXXX/2017 Original Term XXXX Annual Percentage Rate 59.00 % Monthly Payment Amount {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a account with XXXX XXXX in my name and borrowed money, in the amount of {>= $1,000,000} in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XXXX XXXX, I took out a {$200.00} loan from this company ( Cash Central ). I refinanced this loan shortly after I took it out because I knew I could n't make the complete payment on XX/XX/XXXX. I got an e-mail stating the refinance was approved and that on XX/XX/XXXX, I would have {$120.00} taken out and the remaining amount taken out on XX/XX/XXXX. Two payments of {$120.00} which would total {$250.00}. On XX/XX/XXXX, I received an e-mail stating that {$150.00} would be taken out on XX/XX/XXXX and to make sure that I had funds available. I responded to the e-mail stating that I did n't understand where the amount was coming from because I had the loan refinanced and explained that I had to make a rent payment which was why I refinanced the loan. 
On XX/XX/XXXX, they attempted to take out {$140.00} from my bank account ( which resulted in me being overdrawn ) and I filed a complaint with the local XXXX. I have not received word from them but today I received an e-mail stating that I am being charged an extra amount because the amount they tried taking out on XX/XX/XXXX was denied. I am currently overdrawn with my bank because this company did not honor the agreement I signed. I have a screen shot of the XXXX pending amounts and will provide it if necessary. Curiously enough, when I view my account now, the two payments do not show up. It 's like they were wiped out which is a good thing I have a screen shot of what my account said when I checked it on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Its been over a month since I sent you my dispute letter, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: TCF NATIONAL BANK
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On Monday ( XXXX ) my opening balance with TCF was over {$300.00} and XXXX transactions from the weekend were already posted to my account. I had XXXX transactions that day, totaling {$390.00} and no other transactions. When I checked my account on XXXX, TCF charged me {$140.00} in overdraft fees for the XXXX transactions that had already posted to my account. When I asked why I got charged overdraft fees for those instead of the pending transactions, the TCF rep said it took money from my account to cover the pending transactions. When I checked my account today ( XXXX ), I found I now have been charged overdraft fees for those XXXX pending transactions as well, bringing my total overdraft fees to {$220.00}. Since none of the XXXX transactions were more than {$200.00}, I do not understand their logic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief