BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX we bought the house and the loan was from XXXX. We were paying XXXXa month. The loan was going on interest only for 5 years. In 4 in a half years later we submitted a loan modification. The loan amount stayed the same with taxes included. The insurance was paid separate this was in XXXX. In XXXX I called b of a asking them if they can help me with modification because I knew the rate was going up and I 'm on XXXX and social security. They told me yes, they can help and to fill out the modification forms. After, I received the modification that the loan has been sold to sls mortgage. So, I had no help from XXXX like they mentioned to me. I continued sending my payments on time every month. I asked in XXXX XXXX respectful in my interest and payment for XXXX. The mortgage sls told me they were going to send me a letter within 45 days before about the information how much my payment is along with my interest. I never received this letter. 
Approx. on XXXX XXXX I just received the letter. The letter of the new payment to start on XXXX XXXX, XXXX the amount of XXXX a month. this is the complaint that I 'm doing. That XXXX and knew they were going to help me and complicated to make this payment. bottom line is that XXXX mentioned they were going to help me and they decided to sell it to sls. In XXXX XXXX I submitted a package of modification to the mortgage sls. They denied it because of my income. They said that its better to sell the house and they can not help me at all. In XXXX XXXX XXXX I submitted a new form of modification with a little more income included. I 'm not sure if they will deny it or accept it to help me with a lower mortgage. If they do n't accept it I would have to leave the house because the fault of XXXX telling me they will help. Without me knowing from XXXX was going to go up XXXX. I became on XXXX permanent with social security. My wife is retired. The only thing I want is to find out how they did this to me this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, XXXX, XXXX & TransUnion, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. XXXX & TransUnion continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( XXXX XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, 'XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that XXXX & TransUnion also delete this negative information from my files, as well. Sincerely, 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 non-monetary relief
Consumer complaint received 2017-02-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
When Cosco no longer accepted XXXX I walked into the store and was guided to an area where I signed up for a new Cosco credit card at which time the sales rep said the interest rate was 8 % and that was it so I believed them and signed up well when I checked my statement come to find out its 15 % and 29 APR which is something that was not told to me I called and explained that they was false and that I need my interest rate lowered and Citi Bank Cosco said sorry but they cant help me I am not rich and I have great credit but now because I was sold on lies they refuse to help and at least lower my interest rate at least to 10 % if not 8 which was told to me at the sales counter at Cosco I want them to do what was told to me at Cosco

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 2015-07-16
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am filing a formal complaint against Halsted Financial Services, LLC at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. Halsted is falsely accusing me of not fulfilling a contractual obligation with XXXX ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Midwest Recovery Systems
State: NJ
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have a derogatory report for Midwest Recovery Systems on my credit report. I contacted this agency and they informed me this collection is in regards to a pay day loan I have taken out XX/XX/2011. However, I have no knowledge of this payday loan of XXXX . I contacted this number for 5 days straight. XXXX/XXXX/XXXX a lady picked up phone saying " yes! '' then hung up, I called back immediately I was placed on a brief hold then spoke with a XXXX. The debt collector had the last XXXX of my social and email address which he told me they have sent me emails in regards to collection. This is false. I asked him if he had the account this " pay day loan was deposited into '' or the agreement signed or anything and he has nothing or the exact date of loan deposited so I can contact my bank. He did n't even have the contact information for XXXX for me to contact personally to investigate this fraud account. I would have remembered the {$800.00} I borrow which I never have and why would they contact me 5 years later if they had my address. He asked me how would I like to take care of this account. I refuse to pay for an account I have no knowledge of or proof. I disputed with XXXX. The agency and pay day loan is all over the internet as a scam. This collection is on my credit report and is FRAUDULENT. PLEASE HELP. It is on my credit report as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Certified Bureau of the South, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I truly do n't believe these credit bureaus such as   XXXX   are taking their consumers concerns seriously. I have been disputing  2 medical debts on my credit report for the past two months. Everytime it c omes back that the debt is proven to be vaild. I then requested a copy of my credit report. I call the collection agency and the date of birth that they have on file is not the same date of birth on my  XXXX  credit report so how can the debt be valid? I dont believe this situation has been investigated at all because if it had been investigated the debts would have been removed from my credit report just for the simple fact that the date of birth does n't match up. The collections are as followed ;  Certified Bureau of So  Col Opened :  XXXX   XXXX ,   XXXX   Original creditor :  XXXX   XXXX   XXXX   XXXX   XXXX   Balance : {$230.00} Certified Bureau of So Col Opened :  XXXX   XXXX ,   XXXX   Original creditor :  XXXX   XXXX    XXXX   XXXX   Balance : {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I RECEIVE A CITI SIMPLICITY MASTERCARD PRE-SELECTED APPLICATION AND APPLY XX/XX/XXXX. I RECEIVED A DENIAL LETTER XX/XX/XXXX STATING THAT THEY RECEIVE INFORMATION FROM XXXX THAT HELP THEM WITH THEIR DECISION. I CHECK WITH THE CREDIT BUREAU BECAUSE I HAD NO NEGATIVE INFORMATION IN MY CREDIT FILE THAT I KNEW OF AND THEY CONFIRM THERE WAS NO NEGATIVE INFORMATION. I CONTACTED CITI AND THEY WAS UNABLE TO FIND ANYTHING SO THEY SWITCH ME TO THE COLLECTION DEPARTMENT AND I SPOKE WITH XXXX. HE WAS UNABLE TO FIND ANYTHING RIGHT AWAY AND CALL ME BACK STATING THAT HE FOUND I HAD A CITI CARD XX/XX/XXXX AND IT HAD BEEN IN A BANKRUPTCY IN XXXX. I TOLD HIM I HAD NO KNOWLEDGE OF THAT AND IF HE COULD SEND ME THE CREDIT CARD APPLICATION BEARING MY SIGNATURE AND INFORMATION AND A COPY OF THE BANKRUPTCY PAPERS. HE LATER STATED HE DID NOT HAVE THE INFORMATION DUE TO THE AGE OF IT. I ASK HIM SO YOU CAN TELL ME THIS IS WHY YOU DENIED ME BUT CA N'T GIVE ME PROOF. HE STATED HE WOULD TRY AND LOOK FOR IT AND GET BACK WITH ME. AFTER A COUPLE OF WEEKS HE SENT ME A LETTER STATING THAT THIS WAS NOT A FRAUDULENTLY ACCOUNT THAT THE ACCOUNT WAS INCLUDED IN A BANKRUPTCY DATED XX/XX/XXXX AND THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT THIS FILE IS NOW CLOSED.

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 2015-09-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a call from "XXXX they asked me to call back. I called back the number on my card and they told me I was qualified to get my rate reduced to 6.4% . Because I was never late.  I would see that on my next statement.  I received my statment contacted, Chase and they have no record of that transaction they did pull a credit check XX/XX/XXXX they told me, but said I had the lowest rate I could have. I did not give my ss number to anyone but they did have my card number when they called and had me call back as I DID NOT trust them and still I am now concerned who this was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In relation to Navient loans assumed in my behalf from 2009 to present. Through XXXX University, I had requested a LOA due to XXXX ; the Student Advisor never released me from classes and they still charged me. XXXX is still trying to charge to me {$5200.00} for this time period that I requested a medical leave. I did previously sign up as a XXXX student due to my XXXX XXXX and being on XXXX. They refuse to allow to me finish my last XXXX courses to finish my degree. I requested Navient REMOVE the XXXX loans from 2009, these loans were never received by me and XXXX had been sued for this time period. They will not. I had requested numerous times for income based repayment or forebearance, only for it to takes months ; interest and late fees accruing. The last forebearance request was met with an plethora of paperwork demanding doctors visits and XXXX, I already have Social Security and sent them the paperwork. I explained that was not necessary. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been reaching out to all three credit bureaus : XXXX, Equifax, and XXXX, for the past year and a half. I have been disputing the fact that I am the victim of identity theft and someone has been using my social security and personal information to get access to credit card accounts, loan accounts, and phone accounts and some other things I have no idea what they are. I have listed everything below and which bureau they are reporting as well as the amounts of theft which is almost {$20000.00} worth! 

Fraudulent Accounts that XXXX are reporting : XXXXXXXX XXXX Acct # XXXX debt for {$760.00} XXXX XXXX ( XXXX ) Acct # XXXX debt for {$2000.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX XXXXs ( XXXX ) Acct # XXXX debt for {$850.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$120.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Acct # XXXX debt for {$13000.00} Fraudulent Accounts that Equifax are reporting : XXXX XXXX Acct # XXXX debt for {$760.00} Fraudulent Accounts that XXXX are reporting : XXXX Bank Acct # XXXX debt for {$760.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX, XXXX, and Equifax have failed to comply with the FCRA by not moving fraud accounts and I have filed a police report and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
PHH mortgage service has failed to update its records of my account being past due in XX/XX/XXXX and XX/XX/2012 despite my providing documentation of error and request to then and XXXX to correct. In late XX/XX/2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XX/XX/XXXX and on XX/XX/XXXX we made a combined XX/XX/XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Since the XXXX switch, I have had issues with this company, from minor to major. I had difficulty with navigating the website, costumer service was rude and not helpful making me feel uneducated on how to service my loans and they made paying off principal, not just interest impossible, even though I tried to allocate my payments to do so every month. I felt as though I would never get ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX/XXXX/XXXX I purchased XXXX XXXX " XXXX '' concert tickets. Concert intended date was XXXX/XXXX/XXXX. Postponed to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX announced on social media all dates were postponed and later all " point of purchase '' sales would be honored. My tickets were purchased from XXXX. My receipt reflects this and sale by XXXX. Neither wants to offer a refund. I opened cases with XXXX. XXXX case was closed due to XXXX filing grievance against XXXX XXXX, not XXXX. XXXX XXXX responded " We have no record of a charge or tickets sent out to XXXX XXXX for the event. He must have placed his order through a different seller. '' ( complaint XXXX ). Yet, when I called XXXX, who I never had spoken to before, I gave them my invoice number and they pulled up all of my ticket information. Come to discover, XXXX and XXXX share the exact same address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) is listed as my biller and on the receipt the language says " ALL SALES FINAL. REFUNDS WILL ONLY BE ISSUED IF THERE IS A CANCELLATION OF THE EVENT. '' Well, the original date WAS canceled and moved to another date ( postponed ) and now postponed again - with no mention of time, date, venue. I am charged a {$130.00} service charge. As a customer, a service charge should be indicative of services being provided to the customer. No services are being provided. My bank, TD BANK, has a policy of only refunding money and doing investigations on inquires 60 days from purchase date ( I was told via rep ). There must be legal language somewhere when a customer makes a purchase with the expectation of receiving services and product in a timely manner. I have been told by both XXXX XXXX XXXX that XXXX XXXX can postpone until she is XXXX and legally not have to issue a refund. VERBATIM. This is outrageous. No person who buys a concert ticket, especially ones over {$100.00}, expects that they wo n't be receiving their product or services in future years from the intended original date when the product is suppose to be delivered. What is also outrageous is many ticket companies are honoring refunds while the company 's I 'm dealing with are n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Due to being the first person in my family to go to college and zero help from my high school, university or FAFSA, I was not prepared or educated on how to take out student loans, etc. There 's way more info out there now than there was when I started school, but at the time, there were no good resources or helpful info. So I ended up with almost all private loans, with interest rates anywhere fo rm 7-9  %. Originally, my payments were going to be $  XXXX  - luckily,  Firstmark was  able to consolidate my debt i nto one paymen t each month. Unfortunately, since they 're a private lender, they 're pretty unhelpful and provide no options for repayment methods. So now, over half of my earnings each month go to pay back these overpriced loans, and after paying rent, I 'm left with a very small amount for anything else that comes up. I have no savings account. It 's sad that I was essentially forced to take out these loans to get a job, and now that I h ave one ( and a good one at that ), I 'm still  struggling with no option for income-based repayment or any sort of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I'm asking/alerting  XXXX of Chase Bank to look into my concerns, and asking him to know what XXXX said he did not know was happening at XXXX Bank. I am XXXX of XXXX Social Security recipients, XXXX years old ( $1,133.00 ), per month' this is income per month. since I transferred my account from, "a,  "no branch bank", who promised free checking/checks, (Chase charges XXXX, to issues XXXX blank checks on my account.  A XXXX year old is not suitable for a, "no branch bank".  It is more suitable for a young high tech customer. This no branch bank, also allowed many bogus charges on my account to no avail since I could not personally explain the mistakes, wrongful charges on my account.  I went to Chase.....However while it may have been explained to me,there are hundreds, if not $thousands of dollars of overdraft fees each, XXXX approximately.  in some instances, (the no branch bank did not do this), example, I charged a XXXX for XXXX coffee that the card allowed. It resulted in another XXXX overdraft fee.The employees of the branches are very sympathetic but have said "XXXX we would reverse these overdrafts but we are not permitted to so, (i.e. XXXX),   I am asking both XXXX and the CPFB to review overdraft charges that I'm confsed about how I got, that have reduced my very precious, minimal XXXX, I deposit into the Chase account.  Does XXXX know that XXXX social security recipients are confused and afraid and embarrassed about this; yet the overdrafts amount to more than a third of our monthly monies.  Can you ask XXXX if he knows about us XXXX customers that he has that are so unable to be helped since Chase has prohibited the branch employees to protect our monies.  Unless and until this is researched, and hopefully redressed, (adjusted, I would like to see this resolved before I become XXXX of XXXX Social Security customers that will also complain to Senator XXXX and will investigate Chase Bank and asking XXXX to audit my social security direct deposit account. this is very frightening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On multiple occasions over the course of  XXXX  and  XXXX  I have made several phone calls and written letters regarding my debt and payments on my account and at every occasion the representatives have bullied me into payments I 've told them numerous times I can not afford they have even canceled several of my payments and mailed back the check and letters I 've mailed them. I have requested they send my account back to the original creditors because I no longer want to deal with them because of their methods to squeeze more money out of me than what I owe.

Company response to consumer: Closed with non-monetary relief