BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-22
Company: Fairway Capital Recovery, LLC
State: KY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a {$420.00} payment against a debt of {$1100.00}, which should have left a balance of {$750.00}. They sent a notice showing a balance due of {$890.00} with no notice that they were charging a fee, interest, or any other modification of my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
SouthWest Credit Systems, LP placed an account on my creit file without notifying me. I advised them in my previous dispute that their in violation of the early-warning notice clause of FACTA section 623 ( A ) ( XXXX ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. if the creditor or collection agency refuse to remove the incorrect information they are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Navient Solutions, LLC.
State: WA
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 had originally had XXXX Federal student loans. XXXX was handled by Navient and the other was handled by XXXX. I received a flyer in the mail stating that I can consolidate my Federal student loans with a lower interest rate. I carefully read the flyer to make sure there were n't any secret information included in the small print. Once I determined that I could definitely consolidate my student loans, I moved forward with applying. I then found, after I was approved, that the new loan was being handled by Navient and it had changed from a Federal student loan to a Non-Federal Private student loan. I felt like I had been misguided and trapped into a new private loan. I did not have a job to start paying on my loans and had to pay {$50.00} to defer my payment. I was also informed that I would only be able to defer my payment 3 times for the lifetime of the loans, paying a {$50.00} fee each time I deferred. I asked if there were options for me to lower my payments, and was told I had exceeded all of my options and was no longer eligible for any type of repayment plan. 

I really felt as though I was being set up for failure. As my interest rate had doubled my loan amount, I am still unable to repay my loan. I feel that I was lied to and tricked into changing my loan type from Federal to Private without any indication that this would be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Cheryl A. Warzynski PLLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I attended a hospital that was " in network '' due to an emergency back in 2013. This hospital was in-network and selected by myself as we could not afford additional costs associated with non-network service providers. My insurance company at the time was XXXX of AZ. 

During my procedure that followed the emergency room admittance, and without my knowledge or consent I was treated by an non-network anesthesiologist. Later determined as XXXX XXXX. Neither the hospital or XXXX XXXX informed me in advance that he was out of network, and at that time I had no reason to suspect otherwise. 

After the procedure was completed, I was presented with bills from XXXX XXXX that we submitted to my insurance company. On review of the bills by my insurance company, they rejected all due to XXXX XXXX being a non-network provider and stated that I was responsible for it in full. I challenged this as I understand also ( By research ) that there are laws to protect me in this situation. The insurance provider said that they will re-process the charges for payment and requested a co-pay from me ( $ XXXX ). About 2 Months ago my insurance company reverses the decision and issues a refund of my co-pay with no explanation. 

Almost immediately XXXX XXXX proceeds and refers the file to lawyers for debt collections and the pursuit of payment of {$1400.00} and through the lawyers they are threatening legal action and legal judgement against me. I challenge the lawyers because of the events and that I did not agree to these services being performed by him directly and explained everything as I have outlined. The lawyers response was to continue to intimidate and threaten legal action and also referenced that I collected a check from the insurance company ( which was Actually the refund of my co-pay ). 

I proceeded and paid the lawyers ( Under duress due to the continued threats ) the amount in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-24
Company: Seterus, Inc.
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made numerous attempts to obtain a verification of mortgage ( VOM ) from my lender Seterus , Inc . I need this information so that I can refinance the loan. This loan was dismissed in a bankruptcy proceeding but is still being serviced by a Seterus who calls themselves a " debt collector ''. They are apparently not allowed to send me a mortgage statement but state they have a lien on the property? I have continued to make payments on this loan but would like to refinance it so that I can begin to rebuild my credit and take advantage of the lower interest rates. 
The bank that I am working with has already approved a loan for refinancing. They have been trying to assist me in obtaining this last piece of information which is required in order to make the refinance file complete. Both the bank and I have called Seterus numerous times and each time they say the document was requested and no request can be expedited so each subsequent request will take up to 7 days. We have been trying to get the VOM since XXXX and it is now XXXX XXXX, 2015 and still no document has been faxed or mailed and we have been told they do not email documents. I am not sure what is happening but at this point Seterus is either intentially not providing this information or they are truly grossly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I obtained a Chase Freedom card, with an offer of 0 % interest for the first year. I was encouraged to take overdraft protection ; I was told that this overdraft protection would reduce the fee in half. I was never told anything about interest, and was told to sign a waver. I asked, " whats the catch. '' " No catch '' the clerk said, " just lower fees in overdraft. 

There was a catch. That zero percent interest did n't apply to fees. Apparently I was paying interest every single month on those fees. It cost me hundreds of dollars again. The entire program was designed around defrauding people who do n't think this far into it, are inexperienced with credit cards, and would n't think to look at whether interest applies here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Nelnet lns wants over {$700.00} in monthly payment which are impossible for me. I tried to get the rate down but to no avail. They also have XXXX loan accounts open and my Credit score went from XXXX to XXXX in one day because they made all accounts delinquent at same time. This is ridiculous for struggling graduates and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Pioneer Credit Company, Inc
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
An unauthorized hard inquiry occurred on XX/XX/2016

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 2017-01-30
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is not processing my payments for upward of 7 days!. All the while interest is still being charged on the principal due before the payment! I am sick of it! This continues to happen even though I complain every time I make a payment. 
Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have made transferred payment to my daughter account on XXXX/XXXX/2015 which she has same bank with Chase. I cant believe that they did not transfer to my daughter account and took money out of my account of {$97000.00} and put in their account. I called them they said they will transfer but until end of the month which is XXXX. I dont see any reason for holding account and took money out without transfer to my daughter. I called in XXXX XX/XX/2015 to cancel this transaction and they said same thing to keep my money hold to 5-7 business days to put it back. In my concern, I believe that Chase does wrong practice to consumer while taking their money and put it reservation account in the event of transfer and cancelled. They cant put money on hold for that long when I made the cancellation. I dont trust them to keep my money and want to take it back but they dont return money as they keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband and I both received letters from AFNI, both letters dated XX/XX/XXXX. Both letters stated we are liable for payments paid out on an insurance claim from XXXX XXXX, from a chain XX/XX/XXXX. 
I responded with two letters ( one for my husband and one for myself ) via certified mail asking for validation of the debt. On XX/XX/XXXX, my husband received another letter saying we are liable for such debt and the letter had no validation included, even thought the letter says " please review supporting documents '', the document was a form they wanted us to fill out asking for our insurance information. 
I proceeded to send yet another letter XXXX, asking for debt validation. Today XX/XX/XXXX I receive the same letter with no validation of debt. 
I am sending a letter back via certified mail disputing such debt as they can not vadliate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Rewards

Complaint:
Barclay Card close my credit card account without telling me why. I 've not been delinquent on any payment, nor have I missed one. They kept my hard earned rewards - about XXXX worth - without giving me even a simple explanation. I did n't do them wrong but they sure did me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My Husband and I complete FAFSA forms EVERY YEAR for our Parent Plus Student Loan and because of my husbands income we never qualified for any assistance. My husband has been on EVERY FAFSA and we originally began these Plus loans with XXXX. We have paid XXXX payments ( 10 years ) and as my husband is in XXXX we were told we qualified for this program ( If you are employed by a government or not-for-profit organization, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program ) When I contact Nelnet today they told me my husbands name is not on the loan????? We have never removed him from the loan. The FAFSA directed us to XXXX and his earnings were included in the loan determination, just as they were when we were REJECTED from receiving any assistance. This means after his 30 years of public service ( he is still in XXXX XXXX ) and our 120 months of 100 % on time payments, Nelnet is telling me he is not on the loan and we can not take advantage of this program? All of the debt we have incurred in our 34 years of marriage have been joint. Nelnet is the XXXX largest purchase in our married life ( Home purchase being 1st ) and now mysteriously he is not on the loan? Again, he is on EVERY FAFSA to reject any assistance and I am furious and will retain an attorney if this is not resolved. ALSO Nelnet charges interest DAILY on these loans. This is the definition of predatory lending. " Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions '' We still owe 50 % of amount of debt as when we started and we 've paid {$50000.00}. Nelnet is corrupt beyond belief and now that I have the time to examine their predatory lending it 's clear what they are doing to students and parents - robbing them blind!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



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 non-monetary relief
Consumer complaint received 2017-03-03
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Ditech, withheld funds I paid for the mortgage in an unapplied account because they changes the escrow amount. I was n't notified and no change showed to the amount paid on my account on the website. The company then repeatedly made derogatory marks on my credit report while I was trying to contact them to get responses. When they finally responded, they said they were holding my money in a separate account without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Many years ago, I consolidated my loan with a particular lender because of the incentives that I can earn. I 've earned them, but now my new servicer is telling me they do n't have to honor it. How is this even legal? The incentives were indeed the selling and determining factor. I honored my obligations to repay my loan and earn incentives ; and the lender can escape honoring its incentives by selling the loan or switching servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Financial Asset Management, Inc.
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
CHASE AUTO FINIANCE- I PAID MY CAR OFF IN FULL, NOW THEY DROPPED MY CREDIT SCORE XXXX POINTS!!! ON ALL XXXX CREDIT REPORT AGENCIES ... NOW I GET TO DEAL WITH THE DISPUTE GAME THEY PLAY AND WALK AROUND FOR 45 DAYS WITH UNTRUE REPORTED FRAUD INFORMATION WITH MY NAME ON IT FROM THIS COMPANY!!! CHASE ... .... THIS IS FRAUD AND SO IS THIS BANK.I AM SO TIRED OF DEALING WITH CHASE AND THE FRAUD GAMES THEY PLAY ... I HAVE ALREADY DEALT WITH THEM WITH MY HOUSE ALSO..THIS COMPANY HAS DISTURBED BY LIFE WITH THEIR CORPORATION DEFECTS, NOW ... I GET TO GO THRU THE TRAMA OF THEIR BUTTON PUSHING WAYS TO DESTROY PEOPLES LIFES! PLEASE HELP ME, I AM TIRED! I DID RIGHT PAID OFF A VEHICLE AND NOW THEY DEEM ME!!! THIS MUST BE STOPPED BY THIS RAUNCHY CORPORATION PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
The issue is that JPMorgan Chase own travel site at ( chase.com ) for members lists fake fares and when the booking is made it automatically switches the prices to a higher level. Enclosed please find the message to Chase Executive Office that was originally not responded to. Also the company insisted on verbal communication and not email which is indicative of systemic issue rather than isolated one. 
There is a problem with your vendor that performs flight reservation service on behalf of Chase for its members. Yesterday and today I attempted to book a ticket to fly XXXX and to utilize my accrued points total ( +/- XXXX ). Any time I would select the available rate that lists the flight in $ XXXX range that is listed as available I got a message in process of booking that the rate is no longer available and listing exactly the same flight at on average {$300.00} higher rate. For example the flight departing XXXX XXXX on XXXX XXXX : XXXX XXXX, XXXX XXXX ( XXXX XXXX ) - XXXX, XXXX, Return XXXX XXXX XXXX XXXX, XXXX XXXX that was offered as available for {$810.00} has automatically been re-selected during the booking process into {$1200.00}. FYI, I checked the XXXX XXXX site for that flight and it lists the fare at {$810.00} with exactly the same itinerary leading me to conclusion that the mark up is your vendor 's travel commission. 

This happens with EVERY {$800.00} range flight XXXX days before XXXX XXXX and XXXX days after XXXX XXXX that is listed as available after that date. Why is then Chase site listing fake pricing on flights that it has no intention to honor and it bait and switches people in process of booking? 

I travel extensively internationally and since I often use booking sites such as XXXX, XXXX, XXXX, XXXX and XXXX I have never seen any fare being made suddenly unavailable in process of booking and rescheduled at the higher rate. I think that Federal Laws specifically prohibit games such as this as airlines are under legal obligation to list all fares including all applicable taxes and fees to prospective consumers, no exceptions. 
I would appreciate if Chase addresses this issue to make sure what happened to me does n't happen to anyone else and to honor the rate it has on its site or stop offering the travel services altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Potential Predatory Lending Practices :   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  On  XXXX / XXXX /   2017  I went to   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  ( phone :  XXXX  ) to purchase a new  XXXX   XXXX . After hours spent finding the car I wanted, we began discussing financing.     According to  XXXX , my Equifax credit score on  XXXX / XXXX / 17  was  XXXX , resulting in me being quoted at an 8 % rate. After telling them that was ridiculous, I told them I would seek financing elsewhere.     On  XXXX / XXXX / 17 , I went to my bank,  XXXX   XXXX   XXXX  to see if I could access a better rate  via one of  their loans. According to  XXXX   XXXX   XXXX , the very next day, my Equifax rate was  XXXX !! This resulted in me getting a 2.94 % loan. Needless to say, I took this loan and went to a different  XXXX  dealership to make my purchase.     FURTHERMORE :  XXXX   XXXX   XXXX   XXXX  emailed my credit score to my mother, without my permission! Additionally, her email is some weird address  XXXX  XXXX  XXXX . Why would they send my credit score to some random address!?!?     The credit report they sent me looks fishy, as if it has been edited. Please take a look into this as their practices seem sketchy.     I felt like because I was a young, first-time car buyer they were taking advantage of me.

Company response to consumer: Closed with explanation