BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I dont know where to start with this complaint and Im hoping you can help me. I have filed disputes with credit bureaus and I still havent got any response from them. What do I have to do to get an response from them? I thought they had 30 days to reply to my disputes and it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The company lowered my monthly payment from {$290.00} to {$50.00}, thereby extended my repayment date by over XXXX years. I am XXXX months away from full repayment, and they want to add XXXX years and collect roughly an extra {$500.00} in interest! I did not request this. This is nefarious and a desperate way to collect more interest from someone about to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed items with Trans Union on XXXX/XXXX/16 and they have not responded to an inquiries of mine since that time. I am aware that they have 30 days to respond to me per FCRA. They have not sent me anything.

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 2017-05-01
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
XXXX   XXXX  debt collectors Midland Funding LLC sued Me,  XXXX   XXXX , on date  XXXX   XXXX , for an account they bought through  XXXX   XXXX   XXXX  Consumer. On that date I,  XXXX   XXXX  plead NOT GUILTY and the case was continued to the date of  XXXX / XXXX / XXXX , at which that Midland Funding LLC could not prove their case so they dismissed non- suit. In the state of Virginia you have 6 months to re-try the case. Midland Funding LLC has not retried the case as of this date of  XXXX   XXXX ,  XXXX . I ask this be removed off of my account as derogatory, collections and anywhere else it appears. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Nelnet, Inc.
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My wife XXXX and I took out a personal loan with XXXX Bank to be serviced by Firstmark Services. We received an email ( attached ) that explains our loan was accepted on XXXX XXXX 2017 at XXXX. We called Firstmark to discuss the payments only to find out the first payment is due on XXXX XXXX. Only 27 days after finding out our loan was approved. We spoke with a representative who told me they can not change the date due as it 's set between 30-45 days after the loan is approved. Unaware XXXX only has 28 days that put their current methodology 5 days short of their own practice. It also put us in a bind having to make a payment not around paychecks. We were then incorrectly told to speak to XXXX to change the date. We called them and were told they could n't change it and that Firstmark needed to. So I asked what the grace period was. I was promptly told " your loan has no grace period ''. I asked to speak to a supervisor knowing what she told me was illegal and wrong. They were gone for the night. I then called Firstmark back repeating the information that XXXX ca n't change the payment date but Firstmark would need to. They said a supervisor would call in 24-48 hours. I called back the next day and was told by XXXX supervisors the payment date ca n't be changed period. So the previous 30-45 day statement turns out is n't true either. At last the company tells me the systems have crashed at both XXXX and Firstmark.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My chase ink credit card was set up for automatic payment. I had not used the card in a while and forgot it was on an account of mine. A charge went through. Six months pass on the charge that I had no idea had taken place and I get a written communication that my account is delinquent. This was news to me, since I had other accounts with chase that were all in great standing and this was the first I was hearing about my missed payment. I called as soon as I learned there was a problem and made two payments in the next few days to square my account. I spoke with a number of representatives some very nice and others not very helpful or understanding. When I asked why they waited over six months to contact me they said they had sent multiple emails and made numerous calls about the issue. I explained I had not received the emails and they insisted I did. I also asked when trying to contact me by phone why there was never a message left? They told me they were not required to leave a message, which makes no sense at all if one is truly trying to resolve a delinquency issue. I finally said, if the other methods all failed, why wait half a year to send me notice by mail. They responded they had sent numerous letters. I never received any emails and I do n't answer numbers I do n't recognize due to the potential of scams. I asked for dates the other letters had been sent to me and they would not provide me with any information. The truth is, I only ever received one written notice and as soon as I did I settled my account. I am not an irresponsible person! I have a few other credit cards with chase one of which I pay for most of my expenses with, and then pay on time every month. I also have a saving and checking as well with Chase and at no time was any serious attempt to contact me sooner through those avenues ever made either. Now, due to poor customer service and a substandard method and or system of contacting a customer, I unfairly have a pretty ugly ding in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: State Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
State collections in Wisconsin has added a medical collection debt to my credit report. This ill was paid 6 years ago. ai can not find my receipt but I know it was paid. The WisconsIn State Attorney office has stated that a medical bill in the state of wi that is over 6 years old has exceeded the statue of limitation of 6 years. According to state law this must be removed from my credit report. However, it continues to appear on my credit report. The collection agency refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a Marriott Rewards Credit card under the rules that I was to to receive XXXX Marriott Rewards points from Chase Bank. After Spending the required {$3000.00} dollars When I called up to verify ( because Chase Credit Card Services runs a bait and switch operation ) they told me I did not sign up for that service. NOTEWORTHY, I first called Marriott rewards who told me that my first number thousands of dollar in XXXX purchases were not reflected to my card/account and the MARRIOTT REWARDS SERVICE agent DIRECTED ( without me asking me to contact Chase and ask to SPEAK TO A SUPERVISOR ( I THINK BEACAUSE THEY KNEW THEY WERE DOING A BAIT AND SWITCH OPERATION and have had many calls ). I once signed up for an XXXX XXXX Credit Card whereby Chase offered XXXX flights annually if you took they offer while still on the plane. THEY ARE A CROOKED BANK!!!! I guarantee it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were facing a health and employment ( overlapping ) crises in XX/XX/XXXX, and when we asked the bank to refinance, they refused. We were forced to stop mortgage payments, which were locked at a particularly high rate, in order to cover our medical and day-to-day expenses. As of XX/XX/XXXX, we resumed employment, and the bank commenced a long, drawn-out process of loan-modification application that was both tedious and confusing. They would send us conflicting documents and information, send multiple requests for the same information, and generally kept putting off a loan-modification offer. Finally, in the late-winter of XX/XX/XXXX they agreed to a trial period, where we made a series of 3 payments. These were all on-time and paid in full. On XX/XX/XXXX, they offered us a loan modification, which clearly stated that if we have any questions, we must refer them to the bank by XX/XX/XXXX. However, when we asked clarifying questions on XX/XX/XXXX ( to understand the terms of the loan, as any responsible consumer should! ) they rescinded the offer. Further, they later claimed that we REMOVED ourselves from the loan modification program, which we NEVER did. In fact, our letter ( attached ) CLEARLY states that we are/were eager to get back on board with the bank and would like to begin payments and a renewed agreement. This letter never received a reply. We subsequently re-applied in XX/XX/XXXX and were denied, with no explanation. We subsequently turned to a non-profit agency to assist us in understanding why we were denied and in submitting a new application, and the bank refused to work with the non-profit agency and refused to entertain a new loan-modification option.

In brief : the bank has given us repeated mixed-information and has not entered good-faith negotiations to turn our home into a performing asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Solutions To Portfolios, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A XXXX XXXX called stating i owe a debt of XXXX dollars and asked for my employer name and credit card number. she knew my last XXXX of my ssn, my address and birthday. When i asked to send proof od debt in the mail she would n't. I placed fraud alert on my credit til i know if this is legitimate. She then had a man call me threatening legal action because i did n't give a credit card number and when i called back he claimed to have a lawyer next to him ready to take action if i did n't pay Please tell me if this is legitimate or not. The name is stp and the numbers they called from are XXXX and XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: POPULAR BANK
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My wife and I opened a CD account with XXXX XXXX on XXXX/XXXX/XXXX for 2 years maturing on XXXX/XXXX/XXXX for 1.45 %. On XXXX, XXXX Bank was closed in connection with the FDIC and began operating as Popular Community Bank . The conversion of accounts was scheduled for XX/XX/XXXX-XX/XX/XXXX. A Conversion guide was mailed to us. In the Conversion guide, it states that CD rates would earn the current rate until maturity. ( XXXX ), in other words they would n't be changed. However, Popular Bank lowered the rate to 1.144 in XXXX XXXX, and did n't tell us. In addition, their web site does't show the rate of interest that is being paid.

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 2015-12-01
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have given authorization for my real estate agent and my husband to have information about the loan and to receive information. However, when they called, Ocwen representatives refuse to give the information, release information and or discussion any aspects of the loan. This is another example of why these processes do n't work. Banks, lending institutions, and loan servicing companies act like loan sharks because they hold the consumers credit worthiness in their hands and they show no compassion for the consumer. They are only after their money and not willing to resolve their issues or concerns. I am currently trying to work through the process for a short sale and I 'm getting resistance every step of the way. It 's not about getting to a solution, but making this miserable for the consumer. The solution should be simple, let 's get this property sold as quickly as possible before it will no longer command to market price it should. I asked a representative for a copy of the policy that gave directions to give my agent and husband when calling to make sure they were following procedure and they were unwilling to provide me with a copy the policy that would help facilitate all parties were able to give the correct information to discussion my loan. If there is a policy, Ocwen 's representatives should be willing to share that information with the consumer. To deny the people I have given authorization is an injustice and they should be cited for their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a credit alert in regards to my credit report that Amsher Collections is trying to collect a debt for XXXX. I contacted Asmher Collections, they advised that the account is not at there office put they are the one reporting the account to the credit bureaus. I advised Amsher that I was unaware of the debt and asked them how they got my person information and they referred me to someone at XXXX. I advised that I would contact my XXXX if they do n't remove the account, the representative hung the phone and would no longer speak with 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 2016-03-15
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender Selene is discriminating against me and going against the CFPB guidelines. I originally submitted my packet in XXXX XXXX, 2015 and i had a foreclolsure of XXXX XXXX. They closed out my modification because they recvd packet 35 days before the sale date. I filed Bankruptcy and my case was reopened in XXXX XXXX XXXX XXXX my XXXX party spoke with XXXX and he advised her to send in updated paychk stubs and i faxed them over to her on the XXXX and she faxed and emailed them on the XXXX. She called on the XXXX to confirm that they recvd docs and the advised her that the mod was closed out the same day they recvd the docs on XXXX My XXXX party had escalaton done and she refaxed the packet all over again on XXXX It is not fair that they closed out my modification when they had all docs 37 days before my XXXX XXXX sale date ... supervisor XXXX XXXX in loan resolution said there was nothing he could do. PLEASE HELP ME KEEP MY HOUSE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification since XXXX and Ocwen is giving me the runaround along with being unfair, deceptive and abusive. Most recently, they have sent me an offer for a Streamlined Hamp modification knowing full well, or at least they should as I have disclosed it from my very first XXXX, that I own more than XXXX rental properties exclusive of my principal residence. They have also made the offer in my ex-husband 's name irrespective of the fact that I have submitted a copy of my divorce decree countless times and the fact that the information on the XXXX was mine, and mine only and had XXXX information regarding my ex-husband, who has had no interest in the property since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: CL Holdings LLC
State: VA
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:
I paid $ XXXX something which was the amt we agreed upon. She asked how i much i felt like i owed and that presented our agreement amt. She told me that this took care of the whole bill so i do not know where this amt is coming from. This debt originated well over 5 yrs ago but they keep selling it to new collectors. Should this not be removed based on the original date instead making it appear to be a new debt each time a new company gets it? I would greatly appreciate your reoresentation to get this resolved. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I was supposed to receive my closing documents from Bank of America to review at least 3 days prior to closing. I made numerous attempts to get these from the bank and my requests went unanswered. I contacted the closing company and found that their documents had been " approved '' by the bank, but I had no idea if they were accurate. The closing company sent mine to me so I could get the cashiers check for closing. No one from the bank ever reviewed the documents with me even after more requests. I did receive the documents the day after closing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, CitiBank agreed to deposit {$400.00} into my checking account within 5-7 business days, per CFPB complaint XXXX. It has been 14 business days, and CitiBank has not deposited {$400.00}, nor responded to my messages. I took the following actions : XX/XX/XXXX : I sent a followup email stating it has been 9 business days, no response. 
XX/XX/XXXX : Sent a followup email stating it has been 11 business days, no response. 
XX/XX/XXXX : Called the Executive Response line, XXXX. Was told " XXXX '' wasn't available and " no one else '' at CitiBank could possibly help. Left message, no response. 
XX/XX/XXXX : Reached out to @ XXXX customer support on twitter. Escalated for an " immediate review ''. No response. 
XX/XX/XXXX : Followup email stating it has been 14 business days, no response. 
XX/XX/XXXX : Called the Executive Response line, XXXX. Was directed straight to a voicemail despite it being business hours, twice. Left message, no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
this is in reference to No. XXXX, as there is a long history of this complaint. My brother-in-law, XXXX XXXX, is the executor of my late ex-husband 's estate, which includes a condo financed with Bank of America, a HELOC, and originally a first mortgage Bank of America sold to XXXX who subsequently sold it to XXXX XXXX. I am on the mortgages, which I quit-claimed to the my now deceased ex-husband, XXXX XXXX XXXX, brother of XXXX XXXX, who is the heir and executor of the estate. XXXX XXXX XXXX and myself have repeatedly requested in writing that Bank of America and XXXX XXXX recognize XXXX XXXX XXXX as the power of attorney and executor of the estate and correspond with him at this address. Bank of America continues to refuse to cooperate with XXXX XXXX and still insists on sending all correspondence to the deceased 's address after they have been told that address no longer exists for XXXX XXXX XXXX as he is deceased. XXXX XXXX XXXX sends payments to Bank of America and they apply them to another real estate loan XXXX XXXX XXXX has and they file late notices on my credit report, as I am still on the mortgage, but have no interest in the property that is the subject of this complaint. Bank of America just simply refuses to respond to any pleas to straighten out this nightmare they have created and now they are trying to destroy my credit rating. Now you have dismissed the complaint because of no authorization from consumer. I have written to you giving you authorization, SO NOW YOU ARE BEHAVING THE SAME WAY AS BANK OF AMERICA. XXXX XXXX XXXX and I are totally frustrated by this behavior as you should be bringing Bank of America into compliance instead of dismissing this complaint without proper investigation. 
Sincerely, 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