BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: JPMORGAN CHASE & CO.
State: NY
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 am a customer of Chase Bank for nearly 17 years. 
The COVID-19 pandemic has devastated the world, and I am sad to say has affected me and my family in unexpected ways. I live in XXXX NY, classified as a red zone, and at that the time I missed a payment, and it was reported to the credit bureau. I called Chase Bank on XX/XX/XXXX, XXXX and XXXX, 2021, to request a removal from my account pursuant to the CARES ACT and Chase has refused. I explained my personal situation- death and quarantine but they do not care about the financial impact this will have on people who have experienced the worst financial, emotional and mental catastrophe in their lifetime, and how this will affect them later on. Of course I will be closing my account after 17years but in the mean time I am trying to get the late a payment removed from my credit report so I can try and recover from this devastation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax refuses to mail me my certificate of insurance and summary of benefits for the free monitoring service they are providing because of their security breech.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2021 I received and inquiry for XXXX XXXX XXXX I never applied for this bank loan or have a bank either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My sister needed a vehicle for work the auto dealership said her credit was n't strong enough and that she needed a cosigner to help, I agreed. 
The auto dealer first ran my credit through several of there lending institutions causing several hard inquires to my credit report. Now my credit report shows the purchase and or new auto loan as if I am sole obligor, is such the case when cosigner.

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 2017-10-09
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I believe my loan with American Education Services is owned by XXXX XXXX. This is a loan that was taken out in 2004. I am now currently in school and have given them the information and they are still refusing to put me into deferment or forbearance. They raise my payment and interest rate every now and again too. I have attached some documents as well. I feel hopeless at this point and I have other student loans with a different servicer that are deferment. This is a small loan but it seems to give me the biggest problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XXXX/XXXX/XXXX, I terminated the lease on my XXXX XXXX XXXX, and returned the car to the dealer. I was informed that I was still responsible for 2 months lease payments totaling {$810.00}. I agreed to pay that amount to XXXX XXXX XXXX XXXX. 

Before I turned the car in to the dealer, XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX, Fl., I had it detailed. I made sure that there was not 1 scratch, mar, ding, dent or stain on the car. The car had XXXX miles on it, and the lease was for 30,000 miles. The tires had enough tread on them for an additional 25,000 miles. Two of the tires had actually been replace with new tires. Since I have seen the scam of " excessive wear fees '' before, I took over 30 pictures to be able to prove that this car, when returned to the dealer was in absolutely pristine condition and had no excess wear. 
The salesman that I bought the car and the dealers Lease Return Officer both inspected the car, and told me and my wife, that this car " looks like it just came out of our showroom, it is that good. ".
When I receive the bill for the 2 payments I owe, they also hit me for an additional {$1000.00} for " Excessive wear and tax ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: Professional Debt Mediation, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was told never to communicate with debt collectors so I haven't. 

Professional Debt Mediation is one of a list of past debt collectors who've handled a debt from an apartment I had years ago. They have changed the date of the debt reporting every few months so it won't fall off my credit report. This debt is the same debt from years ago and I believe it's already too old to continue being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: AR Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called in to get a debt validation of item listed on my credit report, 1st rep disconnected my name after given her my name and 2nd rep transfer me to someone voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CHECK INTO CASH INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company, XXXX XXXX has contacted my family members ( wife, mother in law, father in law, mother, father, sister, grandmother ) continuously. They have never tried to call or text me. I have asked them to stop by calling them multiple times to request they do not contact any of my family members. Nothing is working. They continue to contact anybody that is possibly related to me even after I called and gave them my number. The company they say theyre collecting for is one I have never had any business dealings with and they refuse to send me any paperwork or information showing a contract of any sort. One person I spoke with cussed me out and told me he would XXXXXXXX XXXX XXXX XXXX XXXXXXXX as well as threatening to sue for {$15000.00} if I didnt pay {$370.00}, which is the amount I supposedly owe the company theyre saying they represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # ( XXXX ) 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-10-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent letters out on XXXX/XXXX/XXXX regarding a bankruptcy that was reported on my credit file. On XXXX/XXXX/XXXX, I received a letter back stated that this information was verified and remained on my credit report. I have yet to receive any verification of this public record that still stands 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 2016-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was going through a modification I completed all steps.I received final document and I had questions concerning documents regarding names on documents.They transferred my case to another department and was acts to provide a copy of my divorce decree from my ex-husband who I divorced back in XXXX and a copy of a quit claim deed.I provided her with those items.I was then told that my divorce decree had to say I was awarded the house.I originally told XXXX my point of contact that my divorce decree did not say .I informed her that it was n't until XXXX that my ex-husband signed the quit claim deed.I informed her that I documents from the appeals court of California stating that the house belong to me.I faxed them over to her and couple of days later I receive a letter stating I was dropped from modification review because I did not send modification paperwork .Not one time did my new point of contact mention the old modification paperwork and when I called my old point of contact I was told she was no longer handling my case.I feel that my point of contact did poor job in handling my case and that I was treated unfairly.I would like for Wells Fargo to reopen my modification review and also bring my mortgage current .I was told that payments was not do until XXXX because I was approved as long as I completed the trail period.I completed the trail period ahead of time. Wells Fargo was incompetent in approving my modification and they have caused me a financial hardship.

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 2021-10-04
Company: Google Compare Credit Cards Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2021, a Google Play gift card was purchased in the XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX. When the card was gentle scratched off, NOTHING was there. XXXX is selling FAKE products for Google. when the XXXX store was contacted, both the store and XXXX headquarters basically told me to " GO TO XXXX! '' XXXX sent a clear message - three times - that they do not care about their customers ; NOR do they care about customer service. When we tried to call the Google Play card number, a recording stated that it was NOT a good number and no longer in service. When we tried to contact Google thru four of their websites, ALL of them were fraudulent and would not allow customers to report fake/fraudulent merchandise that they are selling to the public. THIS IS CONSUMER FRAUD and a FEDERAL CRIME! Both, XXXX and Google should be held accountable. There are several websites of many thousands of customers listing their stories and who have experienced the same fraud by XXXX and Google.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out a loan with Salliemae before they spilt with XXXX. I took out what was recommended for my studies and now I will be paying for it the rest of my life. Salliemae and XXXX began charging me ( without warning ) almost {$1000.00} per month for my loans. I had not found a job in my field yet and was already struggling to meet my other bills so on XXXX when my first payment was taken out all of my money was gone and then some. I called and tried to get help but they told me they could not lower payments and could n't work with me. So I was forced to go on deferment as my over 10 % interest rate continued tacking on money to my already sizable loan for a full year. Every month I would call and plead with them to help me get on an income based repayment plan but every time they refused and advised me that, because I was able to pay them {$100.00} every time I went on deferment, that they could n't help so I should just default. I had run out of deferments after a year and was billed once again for almost {$1000.00} ( which I could not afford ) and so I had to default on my loan. A day after my bill was supposed to be due I received a call from a Salliemae representative asking why I had not paid. When I explained the above their response was " Well I do n't know why we would advise you to default, we want to help you repay your loans '' and it was at this point that they finally let me get on an income based program with a lower interest rate. 
However I find that I am not making a dent in what has now become almost {$100000.00} in debt due to my year of deferment and my default. The payments are still unreasonable and at this point Im basically paying off interest rather than the actual loan. 
My school ( XXXX XXXX XXXX XXXX XXXX ) was no better at helping than Salliemae or XXXX. The school gave us no assistance with finding a job after graduation even though there were promises to send us offers or recommendations. It became abundantly clear that the school was in it to make money, not turn out media professionals that it claimed to have done. The curriculum was a joke during my second year and if it was n't for having a few teachers who did n't want to XXXX us over I would n't have learned anything or gained experience that I needed to find my first job ( on my own about 8 months after graduation mind you ). 
Salliemae and XXXX have given false advise and no help when it was desperately needed that has effected my credit score, my ability to get loans in the future, and my general overall well being. XXXX did not provide the education promised which led me to have to fight to get an entry level job in my desired field.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have paid off my loan with a credit card, which I had to pay a balance transfer fee, because I had to continue to apply for what was offered to my for assistance which was a forbearance and I would have liked for there to be easier or less expensive ways to pay my loan when times were hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I received the attached letter from Eqifax dated XXXX/XXXX/2016. They stated " We have reviewed the inquiry information. The results are : This inquiry has been deleted. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX Phone : ( XXXX ) XXXX '' I called XXXX and they have to factual record as equifax likes to call it so they advised I call Equifax. Called equifax and the first agent told me lies. I got transfered to a superviosr who stated she could not pull up any of the letters which equifax sent me because they are not factual. She stated she would place me on hold and " research this '' she hung up on me. I called ack and got transferred to another sup. They stated they saw the letter but they cant do anything on there end regardless of what the letter states. I asked him then what was the point of thel etetr stating something would be done and it hasnt. He stated the info a previous agent provided was incorrect as they have NO way on disputing anything on their end. everything is done through the company. ore lies. The supervisors agent id : XXXX. If a company sends you a letter stating something will be done..then one would assume it would be done. I guess Eqifax is different. The date of the inquiry to be removed is XXXX XXXX, 2016. 
- XXXX XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Ditech soon after I purchased my home in XXXX, XXXX. I had set up an escrow account with the original company handling my loan. Here 's the problem : In South Carolina ( maybe other states as well ) persons XXXX years of age and older are allowed a Homestead Exemption on property tax. Nice, right? Ditech refuses to honor that exemption and has, for nearly XXXX full year, been over-charging me in the amount it collects for escrow. I have been communicating with them since XXXX, XXXX, when I realized what was happening. They are stone-walling me at every step. I sent the tax bill from XXXX XXXX, SC directly to their Tax Dept., per instructions from their Customer Service Dept. A few weeks ago I spoke with a Supervisor in their Tax Dept. who was going to look in to this issue. I heard nothing back ; meanwhile, taxes still not reflecting the exemption. Today I spoke with the same Supervisor. He wondered if the document I sent to his department maybe " got lost in the mail? '' But, in any case, he explained they would not be changing what they are collecting from me monthly tax-wise. 
Even more curious, the Customer Service Rep. I spoke with before she transferred me to this XXXX XXXX, had my information right in front of her. She said, yes your taxes are showing a reduction, and gave the correct amount allowing for the exemption. Still the tax department can not manage to make the necessary adjustments. I believe that this is being done purposefully, without a doubt. I am starting to look at refinancing with my local bank ASAP. Ditech is, in my mind, behaving in a criminal manner in regard to my mortgage/escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Monday XX/XX/XXXX around XXXX EST someone called me and began asking me questions about my personal information. I didn't know what company he was from and when I asked why he was asking these questions he stated this is about a debt to Check n Go, they are going to sue me and garnish my wages and that his job was to collect {$700.00} from me. I asked what company as I didn't remember dealing with Check n Go he said it was for a loan in XXXX. I asked for a phone number of the company and he said to XXXX their number because he couldn't give it to me. He then said if I don't contact him in 48 hours they will file a lawsuit and then garnish my wages, told me that Check n Go knows my employer and said they will contact my employer for the wage garnishment. I told him again I don't remember this company, I've never gotten a written notice as I don't live in the state of California and I've never gotten an email or anything stating this. I hung up after as I wanted to try and validate the debt. Searched online and found no working numbers. Called the company back talked to someone else who never gave me his name and the guy gave me the phone number. Called Check n go and they said I owed a debt for {$250.00} not {$700.00} from XXXX and I asked if I could verify the loan but check n go stated that I'd have to call XXXX XXXX XXXX at XXXX. I XXXX that company and filed a XXXX complaint. I would like a validation letter with my original signature along with the amount I owe nothing was offered when. I questioned the debt and the first guy I spoke with just kept threatening me so I do not feel comfortable calling them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Fraudulent Reporting to Credit Reporting Agencies of Debts I Do Not Owe. 

This collection agency is in violation of FCRA 1681s-2 for fraudulent and inaccurate reporting of debts.

Collection agency failed to comply with the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ). This company failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that they are licensed in CA, and license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the credit bureaus regarding an item on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC identity theft report. I have provided to them all this information and copies of the documents as well. They have not handled their investigation as they are suppose to in cases of identity theft.

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