BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I used my credit card, a Chevron card, at a location near where I live. The only other time I used the Chevron card, other than at that location, was in early XXXX of last year. I used my Visa card at the same local Chevron station on XX/XX/XXXX of this year. On XX/XX/XXXX I received an e-mail from my bank citing suspicious activity. I informed my bank that the activity was fraudulent and cancelled the card. That Chevron station was the only place I used that Visa card other than XXXX. In XXXX I received a bill from Chevron. I paid them what I owed but did not pay the fraudulent charges. All the above I stated in a letter to Chevron which I sent with my bill. I sent the letter to the address of credit card payment and another copy to the address given for complaints about incorrect charges. I am still getting billed for the fraudulent charges. Not only did I cite the fraudulent charges but I referred Chevron to my bank, including the last four digits of the cancelled card, so they would would know where the cards were being copied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan payment was adjusted by my lender due to a new escrow account analysis. I did not receive this analysis or notice of the new payment. My payment history is excellent. My normal payment was made in XX/XX/XXXX but was less than the new payment amount so the lender put it into " unapplied funds '' and sent me a delinquency notice. I promptly made an additional payment and the account is now current. My request for refund of late charges and interest has been denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection account was placed on my credit in the amount of XXXX. However, after I inquired about validation of amount. The company was unable to provide validation of the amount. Additionally, they did change the amount to XXXX. These actions are suspicious in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Elevate Recoveries, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I paid Elvate Recoverie XX/XX/2021, I settled the account for {$390.00}. This was a medical bill. The representative informed me the credit account would be removed from my credit report. I contacted the company and was informed the same information regarding the account would be removed from my credit report. Please contact this company and investigate their policy and procedures for possible consumer deception. 

The account is currently reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I moved to XXXX from XXXX. Someone was using my credit here in XXXX. My sister has the same name but I do n't know her social. I have so many outstanding loans but I have n't had a bank account since 2000

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: CA
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi my name is XXXX XXXX I had been having issues with chase bank since last year the SBA tried to deposit {$9800.00} from my approved loan the they granted me. So My loan officer told me to go to my bank and get a certified information on my account so the money could be deposited. Thats went I got to chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, and I ask for this information and thats when my ex girlfriend appears she works for chase and when I told her about what I needed. She started saying the chase was not going to proved the transition because of a lots of people doing fraud. I told her the everything was in order the it was under my name and all the information was legitimate and she just kept going and saying that it was fraud. So then after that the money was turned twice by chase and then chase close my business account and my personal account for no reason. So when back and filled a complaint because I know the my ex girlfriend had something to do with this because a few years earlier and I meet her she work for XXXXXXXX XXXX and she took money out my account with out my permission or my knowledge so she got fired and go to jail, so I know she is getting back at me for that and need your help for this to be fixed so I can get my funds from SBA which are still there waiting for me please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
As of XX/XX/XXXX I have been seeking help from my bank .SELECT PORTFOLIO SERVICING, the process was back and forth with documents. During the process, every time I follow up over the phone, representative says that I am not qualified because I have done a modification before and could not do it again. After a year XX/XX/XXXX received a denial letter showing NPV. 
This year my husband got laid off and all we are seeking is for us to start anew from our behind payments. Started processing application on XX/XX/XXXX and same thing.. 
1 ) Documents processing is too long..Thought processing take only 30 to 45 days. but asking back and forth for documents2 ) sent all the application together with the attached documents, bank statements, pay stub, tax return and others. Calls to verify if threy received..said yes but everytime I call to verify or follow up once a week, a new documents needing again. Asked to process because im afraid theres an expiration to each documents categories. My account manager said " NO '' theres no expiration. Then talked to another representative, ,yes there is an expiration. I am still sending documents here and there. Theres a lot of things happen 8 months. Within 8 months they still asking for documents. Last one is the statement..they said that I have not circled my income within the statement. But I circled it previously, keep sending it until wait again for another expired document ... .then theyre going to ask to send again. 
please..all im seeking is an answer and help. These faxing back and forth is a time consuming and its expensive per document. Please help.. bank statement will expire in another month..and pay stub will expire in one week..and no answer yet. All I receive a call is when they ask for documents to resubmit or say it expire. I hope to hear from you soon..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Coast to Coast Financial Solutions, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The following Violations were violated as a consumer - 15usc1692 ( B ) " an attempt to collect a debt '' is language that indicates your in the debt collection business which is a direct violation of 15usc 1692 ( b ) 5 -1692 ( C ) being contacted at a time that is inconvenient for the consumer -1692 ( C ) did not have my prior consent to contact me, the consumer at all which included via mail, telephone and email.

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 2020-06-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX a predatory refinance loan was made to XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ohio, XXXX. Mr. XXXX XXXX is an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. He was awarded a XXXX XXXX designation for his service as a XXXX XXXX XXXX was all fame XXXX XXXX  system that supplied XXXX  XXXX. Mr. XXXX passed away on XX/XX/XXXX. Mrs. XXXX XXXX is presently XXXX years old and is living with the anxiety of losing her lifetime home. 
In XXXX, Mr. and Mrs. XXXX purchased their home at XXXX XXXX XXXX for {$34000.00} with a 12 % interest rate. The monthly mortgage payments were approximately {$550.00} per month. They paid this mortgage for 16 years from XXXX to XXXX totaling {$100000.00}. The home market value is underwater. The Arringtons have not missed a mortgage payment nor have they been late on their payments for the past 31 years. 

Mrs. XXXX XXXX and her family have suffered greatly throughout this fiasco. 
Their suffering was prolonged due to the many divisions of XXXX XXXX mitigation review process. Often, they were repeatedly requested to submit the same documents due to a lack of timely response on the Banks part and due to a lack of dedicated point of contact personnel. 
The XXXX familys attempts to communicate with the XXXX XXXX servicer personnel were met with difficulty and resulted in confusing and contradictory notifications and information throughout the mitigation assistance review 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 2015-12-24
Company: PLANET HOME LENDING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
My mortgage lender, Planet Home Lending, contacted me about refinancing my existing VA Home Loan. I decided to pursue a cash-out refinance with Planet Home Lending and during the closing ( XXXX XXXX, 2015 ), I was made aware that the money in my current escrow account ( $ XXXX+ ) would be used to pay my real estate taxes ( due XXXX 2015 ). During the closing, I noticed I was charged another {$4100.00} for escrow to pay the taxes ( due XX/XX/XXXX ). I called the loan officer ( XXXX XXXX ) and he informed me that it 's imperative to get the loan closed, and he would research the issue and get me my refund of the Escrow. To date, Planet Home Lending has paid me {$240.00} ( balance between taxes due which was {$3200.00} and the total amount in the escrow which was {$3400.00} ). However, they charged me the {$4100.00} to pay the taxes again and they have flat out refused to refund my escrow of {$3200.00}. To make matters worse, I am paying on a loan that includes the additional escrow amount that should be refunded to me. I really need help resolving this issue.

Company response to consumer: Closed
Consumer complaint received 2017-03-13
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar is calling my work, they called XX/XX/2017 at XXXX. Now 1st of all they have my number XXXX, if Im working I cant answer it. Sad part is I have until XX/XX/XXXX to pay my payment and its sent out, but they call non-stop sometimes 5 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and SS card to show who i am Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$330.00} Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account was opened : XXXX XXXX Account Balance : {$2600.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1600.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$48.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$940.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX-XXXXXXXXXXXXXX Account was opened : XXXX XXXX Account Balance : {$3000.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I obtained a construction loan using XXXX XXXX and XXXX XXXX as my loan officers at US Bank. When I went to signing at XXXX title the initial loan amount was incorrect based on the fees and total contract price of the construction minus the funds I brought to closing. During the signing we called and spoke with XXXX about the discrepancy and he recognized it as well and said go ahead and sign and that he would look into it and get back to me. He did not get back to me. 
Since then I have contacted he and XXXX several times about this issue via phone and email. When I contacted XXXX via the phone he has said he would have XXXX look into it, which he did not do. After I emailed XXXX multiple times, she finally sent an email back saying that was based on 80 % LTV, although her numbers were incorrect, and never offered any explanation as to when or how that number would be adjusted to account for the discrepancy. I replied with what I believed to be more accurate calculations, which she ignored. 
I followed up by attempting to contact XXXX XXXX multiple times in order to get a reasonable explanation and find out what he had found out, since he said he would look into it, but he does not return my calls or answer is phone any longer. 
This whole lending process has been the worst I have experienced. The communication has been worse than sub-par and the lenders knowledge about their own product appears to be extremely lacking. I have had several mortgages from online banks and felt that since a construction loan may be more involved and I may need more explanation I should go with an established bank who has brick and mortar business as well in the hopes they would be more professional and knowledgeable. Unfortunately I was proven wrong by their lack of communication and apathy towards making sure things were done correctly. 
I still need to know how this initial loan amount affects my loan. During the conversation XXXX and I had on the phone during closing, he specified that the Builder, XXXX, would not be able to draw any more than our contract price. He did not, however, specify when or if the extra amount would go away. It may very well be that at the end of construction the amounts are added up and at that time will be correct, however they need to explain this and not assume customers who admittedly have never had a construction loan will figure that out on their own. It also seems unprofessional and suspicious that the number was not adjusted prior to closing even though they had all the information necessary to correct it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2021 ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021 ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2016-05-04
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient is now in charge of the small remainder of my student loan debt. They recently changed the terms of my loans without my consent. They changed my payment of {$220.00} per month to {$50.00} per month so they can tap me dry in terms of interest payments. I could change my online payment terms online because I was lucky enough to be paying attention to these sleazy tactics, however, shockingly enough, there is no way to do that online. Online, I am simply told my online payments are set up already and there is no way to change the terms. THIS IS UNCONSCIONABLE AND SELF-SERVING. Everyone should be aware of Navient 's tactics to tap their creditors dry, particularly with regard to student loans which are supposed to have a modicum of protections involved, by ahem, the Department of Education. UNCONSCIONABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
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:
My mortgage company, First National Bank ( FNB ), reported with XXXX  and XXXX  that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with XXXX  and XXXX  disputing that error, but FNB sent them ( XXXX  & XXXX  ) a response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, FNB reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. FNB received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that FNB received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my FNB online account activity, which shows that FNB acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but FNB has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.

Company response to consumer: Closed with monetary relief