BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our company has been trying to get a short sale reviewed in its entirety and approved from back in XX/XX/XXXX. The primary homeowner and mortgagor passed away and left his house to his wife who still lives in the house. The Servicer, Ocwen, received all the short sale documents including the offer but refused to keep moving the process along until the wife of the deceased mortgagor went through a probate in order to sign off on any paperwork regarding the loan and the short sale. The wife of the homeowner has no money and the deceased mortgagor was their primary source of income so she struggled to figure out who can pay for the Probate process which would cost anywhere from {$2000.00} to {$3000.00}. The Buyer was reluctant to pay for the Probate at first but we were informed by Ocwen that the foreclosure would be on a standstill since we are still active in the Short Sale process. The buyer agreed to pay for the probate and the Probate attorney has been working with the Homeowner all this time to get documents processed to the Probate court. The homeowner received a foreclosure notice last week that the house is now being foreclosed as ordered by Ocwen on XX/XX/XXXX.  The probate is VERY near to it's completion. I spoke to the Escalation office that we have been working with on this file and requested that the foreclosure date be postponed so we can continue the short sale and get it closed. The escalation rep explained that without the complete set of paperwork ( a revised Settlement statement which we can easily send, and the probate documents ) they wouldn't be able to postpone the Sale! So Ocwen required the homeowner to go through probate to sign documents despite the deed being in her name ( she is not on the loan ) and now they are not allowing the foreclosure date to be postponed because of their need was not met. I explained to the Escalation rep that I would send her all that is needed by next week but we would like to see if CFPB can assist in this so the postponement can be ensured.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I will keep reporting this company every time my claim is denied, because they still cant seem to show me where and/or how my fraudulent charges were valid. They keep saying they did research and they can show me the information but no one does. Literally no one has yet to send me the information and Ive complained multiple times. The fraud and research department were absolutely no help and asking questions will only anger them. The only thing they say is the claim was denied because of the research found, but cant tell you what research was used. Its ridiculous, the company is nothing but a scam. I filed a complaint twice and they email me back in two days saying theyve researched the complaint and found no error. Thats literally their favorite word, thats literally all they ever say! And I dont understand how you complete a thorough investigation in two business days. Wells Fargo is a complete and utterly disgusting bank. But, I can assure if I was a white man instead of a XXXX woman things would be handled much different. I lost {$2000.00} and cant get it back. They can run camera footage, see the location, time, etc and see it wasnt me making those charges. I mean the charges were made in a completely different state, I mean come on. But they didnt try to rectify the situation or help me, they allowed my money to be stolen. They are fraudulent and deceitful, and this is literally the worse bank. I will continue to complain until my claim is awarded in my favor. Every time you all deny, I will complain a hundred times over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 22 ineligible payments I was told due to being " paid ahead. '' I was told these can be changed to eligible with a manual recount which was submitted. For the past year I have called every 3 months and have also submitted my employment certification form but the count is never adjusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I requested a copy of my experian credit report and notice several inquiries that I did n't authorize. I also had a breach with  XXXX , but they rectified the problem immediately. I wrote a letter to experian explaining to them that someone was inquiring about my credit report without any consent from me. I was advised by experian that I had to contact the creditors directly and advise them of the unauthorized inquiries and they will notify the credit bureaus and the inquiries will be removed. I wrote each and every company that inquired ab out my credit file without authorization from me, it has been over 60 days and I still have not had any reponse. In the meantime I also aquired a police report as this situation is causing great harm to my credit score an d making me not credit worthy. The inquires are as follows :   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 non-monetary relief
Consumer complaint received 2017-06-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On  XX/XX/XXXX  I called  Chase  customer service to check on my account and get log in information as I had not logged into my account in years. I spoke to several agents and explained to them that I do not have my username or password or credit card account number as I had not had this information since the last time I was able to log into my account which was in  XX/XX/XXXX . They kept telling me that I need to speak to a specialist to give me a code in order to log in, after being transferred and in frustration explaining the situation to at least 4 different agents none of which could help me log back into my account, I was told that my account was past due and I have late charges exceeding {$170.00} and it was not clear to me how much my monthly balances were as they told me several different amounts all exceeding {$100.00} a month. I asked why as I was told my minimum payment amount would be {$50.00} every month ( my credit card balance is about {$2000.00} ) and all they said was that I had a past due amount in  XX/XX/XXXX  which I paid and cleared up all extra fees and was then told the minimum fee would continue to be {$50.00} stated clearly by the agent. They did not inform me in any way or in writing that my monthly minimum amount due would be raised nor that I would be charged extra fees and I continued paying {$50.00} every month unaware of all these extra charges. I explained to several Chase supervisors that they should have informed me of these charges to which they answered that they sent me emails to the account in which none of the representatives ( conveniently so that I could not see my account to dispute this in my opinion ) could help me log into. They also stated that they sent me letters to my home which were never sent nor received. This is clearly a matter of deceiving the debt payer to continue paying fees and late charges unknowingly for as long as possible. I demand to see statements of what I have been paying for over 6 years and a statement of all the fees and charges in detailed explanation as well as certified receipts of letters that Chase has sent to me informing me of my " late fees and all other charges '' not related to my payoff amount otherwise I will not be sending my hard earned money paying off " late fee '' scams and new minimum monthly amounts that  Chase  raises without notifying the payee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: NC
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:
Mailed in documentation to have Hard inquires unrelated to open accounts removed from report, Student loans are in violation of Discharged and to have the XXXX XXXX XXXX account blocked/delete from my credit report. 
In violation of State and Federal law. 

Mailing receipt : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had an auto loan with Ally financial for a XXXX XXXX XXXX. I traded that vehicle in on XX/XX/XXXX for a XXXX XXXX XXXX. Ally financial provided the loan for that as well. 
The loan for the XXXX was paid in full but on XX/XX/XXXX, Ally still took out the {$870.00} payment from my bank. I called them multiple times and sent a message thru their online APP asking for reimbursement. They said I would be reimbursed with overdraft fees ( my bank account went negative ) but wouldnt give me any specific dates or dollar amounts. 
I talked to someone from another department about getting this resolved on a few occasions, the last of which being Friday XXXX XXXX she told me the reimbursement wasnt approved but she would try to expedite and get back to me by Tuesday XXXX XXXX. 
I have yet to hear back and at this point it feels like a refusal to reimburse the money they took from my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: GreenSky, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Greensky a cct #  XXXX   GreenSky will not  supply me with any documents showing how my payments have been applied to my loan. They will not show me what part of the payment went to the principal, and what went to interest. They will not provide thus information over the phone either. They tell me they do not have that information but can only tell me what my balance is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: IL
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:
Multiple times ranging from probably about  XXXX  to  XXXX  I was repaying loans or putting them in forbearance which was requested I do so I would n't have to make any payments on the loans.  Little did I know that a lawsuit was created against Navient  XXXX   XXXX  due to this issue amongst others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Made payment on XX/XX/2021. Yes the payment was late. They reported the payment as XXXX  days late to all XXXX credit agencies. Made another payment XX/XX/2021. On due date then charged late fee. And claim we made payment XX/XX/2021

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 2018-10-11
Company: JPMORGAN CHASE & CO.
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 have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. I will attach all the certify letter sent to the creditor. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear to whom it may concern, Please remove this from my account, this is a Closed Account and needs to be updated ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BONNEVILLE COLLECTIO XXXX Balance {$550.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX AUTO-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX AUTO-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a customer of  XXXX   XXXX  and have a brokerage account with them. In  XXXX  they sent out an offer for their  XXXX   XXXX  Client Rewards Card. I applied, they did a hard pull on my credit report from  XXXX , and sent me a letter advising that they had denied me credit because " Unable to validate information provided on your application. '' I obtained a copy of my   XXXX   report and verified that all the information was correct, wrote to  XXXX   XXXX  to advise them, and received ANOTHER letter with the same message. This time I called them and was told that it is  XXXX   XXXX  's policy that they wo n't process an application for anyone who does not have an SSN. Given that they have pulled my credit and seen my  XXXX  score of  XXXX , and that I have a $  XXXX  account with their brokerage arm, and that I have a perfect payment record on my other credit card, clearly  XXXX   XXXX  has denied me credit because I am a non-citizen. Please make them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: FL
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 checking updates on my credit report if everything deleted but unfortunately I see the same negative information as before. Why you keep posting these accounts on my name. Im sure that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a dispute it was resolv ed Suntrust sent m e a letter to that and asked if I wanted the paperwork they have used so I could look at it.   That wa s 2 weeks ago and I have called 10 times  (  XXXX   XXXX   XXXX   ) I h ave been lied to, hung up on and been treated terribly I am ready to go postal on these people they do n't give a  XXXX  about anybody, They need to be put down. My local offi ce (   XXXX  FL ) was useless..The lady I talked with to day told me they had to request the paperwork. Now another 7 days I have to wait. Another problem I think happened they stalled me since  XXXX    XXXX   to resolve this. and they did n't post it on my online account.     lies and corruption from this bank and it needs to stop. You can only call  XXXX  number and the customer service  XXXX . They no nothing even If they   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 2019-12-12
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX of 2015 I contacted Navient to discuss income-driven repayment options with them so that I could afford my student loans. They suggested the income-based repayment option and told me that as long as I paid on time each month, that in 20 years the loans would be forgiven. When I called today to see if I could tweak my loan payments, they told me that I should apply for a Revised Pay As You Earn Repayment Plan and that the income-based plan I was in is actually a 25 year plan, so that my four years of on-time payments were basically nullified and this would reset the 20 year clock. I asked why this was not conveyed to me, and the representative just apologized and said this was my best option.

Company response to consumer: Closed with explanation