BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went into a consumer credit transaction with this company meaning that this company used my credit card ( 15 USC 1602 ). By this company using my credit card means I extended them credit making me the original creditor and was supposed to be charged just the finance charge. Some reason this company has sold this account and have another company with my personal information send me mail saying that I am in debt with them. I have been attempting to resolve this issue with this company any the consumer reporting agencies but that hasn't worked either, they are continuing to report this debt to agency that I don't owe. It is ruining my reputation and putting me and my family in a financial hardship I have sent a letter to them and told them to cease all communication with me about this debt and clear the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was looking for a Mortgage in XXXX of last year. I contacted quicken loans. They pulled my credit and told me at that point that I need to sell my old home to get another mortgage. At that point I was not interested in the loan. I got calls repeatedly and I informed them I am not interested in the loan. They pulled my credit again in XXXX of 2014 without my permission. When I called Quicken loans, I was lied to and said, oh this is a soft pull and does not effect your credit. 

I contacted Quicken to get this inquiry pulled. The refuse to remove it stating that I signed a document stating that they can pull my credit whenever they want. I told them that I am no longer interested in the loan and they should not have pulled my credit without asking me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TIDEWATER FINANCE COMPANY, INC.
State: TN
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:
I PURCHASED A PRODUCT FROM XXXX XXXX XXXX THEY FINANCED IT THRU TIDEWATER FINANCE. WE HAD PROBLEMS WITH PAYMENTS BEING PUT ONTO THE ACCOUNT CORRECTLY SO IT WAS PUT THRU THE COURT HOUSE TO PAY PAYMENTS SO IN XX/XX/XXXX WE STARTED PAYING OUR 20 PAYMENT EVERY MONTH THEN WE STARTED PAYING MORE TO GET IT PAID OFF AND ON XX/XX/XXXX I RECEIVED A CALL TELLING ME IF THE BALANCE WAS NOT PAID THEY WAS GOING TO ADD FEES SO ON XX/XX/XXXX I PAID THERE LAWYERS OFFICE THE REMAINING {$650.00} AND I RECEIVED A LETTER THAT DAY STATING THAT IT HAD BEEN FULLY SATISFIED SO NOW ON MY CREDIT REPORT IT SHOWS CHARGED OFF AND IT WAS NOT I CONTACTED TIDEWATER AND THEY SAID THEY WAS N'T GOING TO FIX IT BECAUSE IN THERE EYES IT WAS CHARGED OFF EVEN THOU I PAID IT SO I NEED THIS FIXED ON MY CREDIT REPORT PLEASE IT WAS NOT CHARGED OFF THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I purchases clothing items from XXXX on XX/XX/2017 and after receiving the items I noticed that they did not come from XXXX but a third party. After examining the items, a couple of the items were damaged and the others were of very low quality. I contacted the company by email and requested that the items be returned. All I can get from the company is a run a round and that they will issue me partial refund and I can keep the items. This is not acceptable since the refund is about 1/3 of the cost of the items. The last contact with the company was XX/XX/2017 and still they are insisting on partial refund of the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I do not know the name of the bank. I will provide the address to the home. Over the last four years, I have worked on undue influence that may have been done because I am a XXXX XXXX. Doctors have worked with me to help a great deal. Though I have many areas to resolve and this is one of them. 

The mortgage company was sold. I worked with the existing one to get caught up. Due to my injuries and not knowing about them I would become fatigued. 

They would not even acknowledge that my ex-husband was supposed to assist with these matters in court documents. I am not sure where he ever went to though and got very little assistance in that matter. 

Address of the house XXXX XXXX XXXX XXXX, Ohio XXXX under the name of XXXX XXXX and XXXX XXXX XXXX XXXX. 

Court documents show his pension was to go to child support and he was to assist paying for the siding and the housing payment until it was sold. none of these events occurred.

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 2017-01-24
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my loan with Wells Fargo. It was a nightmare to begin with, but finally we closed in XXXX First payment was due in XXXX. When I got paid on XXXX XXXX I signed in to the website to pay my payment and noticed that it said XXXX XXXX was due date. I contacted Wells Fargo TWICE to verify without a doubt that I did not owe until XXXX XXXX. I was assured both times that I did not owe until XXXX XXXX so I paid off another debt and used the rest to buy things for our baby that is due XXXX XXXX. On XXXX XXXX I get a delinquent tax notice in the mail, even though when we closed it was time to pay taxes and my escrow account had the funds in there AND with the refinance they set aside money as well. I contacted my county, they said that they were not paid. I immediately contacted Wells Fargo and was told that the check was mailed out on XXXX but it had not cleared. I contact XXXX Co again, and they have nothing. The next day, on XXXX XXXX, I get an email from XXXX Co that says they have been paid. I assumed the check was located. Then on XXXX XXXX I get an email from Wells Fargo saying my tax documents had been corrected. I sign on to the website to see what was corrected only to find that I am now 18 days late on my mortgage payment ( the one that is not supposed to be due until XXXX XXXX according to 2 different customer service reps - I still have the emails so its in writing ). I was also charged a late fee. It appears that they never actually paid my taxes like they said, instead they applied the tax money to the account. However, how would I know that when the activity shows the amount held out and they told me that they had sent it? Now I owe a payment that I can not pay until XXXX XXXX at which point I will still be one month behind, 30 days late, incur yet another late fee because XXXX will also be 30 days late and this will be a continuous cycle going forward, every month I will be 30 days late, every month I will pay a {$53.00} late fee, and every month it will continue to destroy my credit. None of this is because of my own actions. I took every measure to ensure that I was not spending money that I owed on that month. I was assured that through the refinance there was left over funds that were applied which is why that payment was not due.

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 2021-08-10
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: WELLS FARGO & COMPANY
State: NY
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:
Wrong inquiries from Wells Fargo Without my permission! 
On XX/XX/2021, I received a reminder that theres a hard inquiry added onto my credit report from Wells Fargo, but they didnt get my permission or any application from me.

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 2017-01-26
Company: ACS Education Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am filing a complaint against ACS Education Services for 3 reasons. 
1. My personal information was changed to another client 's information. This was unauthorized and if I had not been vigilant my personal information would have been sent to this individual. I also placed a phone call to this individual to let them know what had happened. The company failed to safe guard my confidential information and this other individual 's information. The company has offered no reparations for this error. 
2. I moved XXXX times within the month of XXXX and my mail from ACS was delayed due to these moves. I was unaware that my loans had become due as I thought I was still in my grace period ( as I am for all my other federal student loans ). Upon receipt of the information I immediately paid the amount due. ACS placed a derogatory mark on my credit report. I saved the envelops of when I received the information and the company maintains that it was not fault of theirs and they can not assist me further with my the derogatory mark, and their is nothing to be done to adjust for the error. I asked to speak with someone in the credit reporting department and they replied that the department does not make take incoming calls or make outgoing calls after I asked to have someone from that department call me. 
3. I live on the XXXX. When I made payment for the account it was on XXXX XXXX around XXXX PST. The payment did not post until XXXX XXXX due to the company 's process and the company reflects that I made payment on XXXX XXXX, instead of XXXX XXXX, the actual day I posted the payment. 
Overall, ACS has failed to safe guard personal private information of their clients and they refuse to assist customers, and have caused extremely damaging information to my credit report ( dropped by XXXX points ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to get my " annual free credit report '' from all three companies online. I was denied, online, by all XXXX. I printed the form and legibly filled it out with my information, I also copied, clear and legibly, my Utah Drivers Licence, US Passport, Employee ID ( with photo on a debit card ), Social Security card, Birth Certificate, utility bills & pay stub. The exact same " package '' was then mailed to all three credit reporting companies. XXXX has replied and sent me the " credit report ''. Experian replied with a form letter stating : " We were unable to honor your request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible ''.

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 2021-08-11
Company: EQUIFAX, INC.
State: MI
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:
Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
1. ) I was treated at ER as result of a WORK ACCIDENT XX/XX/XXXX when I was driving a cement mixer truck of the company XXXX. 
2. ) The police was present and they DID NOT GIVE ME A TRAFFIC OFFENSE CITATION, because the accident was result of the rainy weather. 
3. ) A representative of my employer ( XXXX ) was present at ER and gave the information about their insurance company. 
4. ) On XX/XX/XXXX, I received a letter from XXXX inquiring me information about the responsibility of this charges. 
5. ) I immediately submitted the information online and by phone call. I got a confirmation e-mail and they stated that will be in contact if they would have additional questions. 
6. ) XXXX XXXX, did not contact me anymore.however XX/XX/XXXX TRANSWORD SYSTEMS INC. sent me a letter for collection. Immediately I sent a letter to Transword Systems and to my ex-employer XXXX, to let know them that I do not owe this debt and they have to direct the collection to the insurance company. 
7. ) TRANSWORD SYSTEM INC. answered me that they can not effect a change to how the company have listed the account on my credit profile. And XXXX XXXX XXXX, sent me a e-mail, let me know that they informed to the insurance company in timely manner. 
TRASWORD SYSTEM INC, advised me that I should to contact to you ( FTC ) to file a complain about the way of the debt collection, because in the statement of account contains the insurance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last month 's statement had a note stating that I was now enrolled in Online/Phone payment option ( see attachment ) and that no envelope was included. I did not ask for this .I always pay by mail. The carefully crafted wording does n't say who enrolled me in this new payment option.I feel like this is a high pressure move mixed with false or misleading advertising. XXXX Shades of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 gad a navy federal credit card the payments were being made through my business account. I raised the monthly payments up to {$300.00} per month to pay the card off. 
After a year or so months. I called to see what my balance was they told me it was XXXX something. I went to the Navy federal branch in XXXX Tx asked for a copy of my statement. I saw several items that were fraudulent. I was told to call the credit card department. I called them and express my concerns or the fraudulent items. I was told that they were over 60 to 90 days old that I had to pay them. I explained to them that they were that age due to me having never receiving a statement. I was told they send statements out every month. I asked them where were they sending the statements. 
Since I was paying through my business and lots of cash was being made I never gave them a place to send statements. When they checked she agreed with me that they didn't anywhere that they could have been sending the statements. They then asked what was my address so they could send me a paper to sign to dispute. But in actually they were using it to confirm with the credit bureaus that it was legit. I continued to pay what I knew that I used which was {$4800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
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:
My loan is serviced through Navient. To my understanding, you are in the middle of a lawsuit with them and I completely agree with all of the grievances that you 've made. If there is any way I can provide information about this case, please let me know. 

The first issue I have is that Navient deliberately postponed my loan payment without me knowing the ramifications. Although I asked them to do this in order to process my Income Based Repayment Plan ( IBR ), I was not aware that I just used the only time I could pause my loan payments without gaining interest. It felt very deceptive. 

They did n't even ask if that was okay to pause my payments, they just did it and told me that I would start paying after my IBR plan was processed. If I was aware that pausing would use my only chance to do this without accruing interest, I would not have had them pause my payments. All in all, it felt that they were just trying to get me to use up my one time to pause in order for them to make money on interest if I paused in the future. 

I also received notifications about my loans to an outdated email address that I had changed and confirmed with them before. So Navient sent me information about my IBR plan to an old email address that I had changed with them over the phone, so I did n't receive it. 

All of this is just frustrating because they make it seem like it 's easy for me to manage my payments ; however, I feel deceived and wronged at every turn. I just want clarity - and when they deliberately use my penalty-free payment pause without my permission and send notifications to an old email address that I knew I changed, it feels deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Paypal Holdings, Inc
State: IL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I am an infrequent user of PayPal. I only use their services when it is the only option provided by the merchant. As an extremely casual user, I would never intend to sign up for a PayPal Credit Card. However, it appears that I inadvertently opened a PayPal Credit Card in XXXX of 2015. Unbeknownst to me, this resulted in a hard inquiry to my credit score and it created confusion when I went to purchase a big ticket item last week. 

Last week, I thought I was using the normal PayPal service for an item that cost {$890.00}. When I received the {$890.00} invoice from PayPal Credit, I was extremely alarmed and furious. I immediately called the customer service number, closed the account and paid the remaining balance using my bank account. THIS WAS NOT HOW I WANTED TO PAY FOR SUCH A HUGE EXPENSE. This forced me to shuffle money between several accounts in order to free up enough funds to cover that large expense. My intention was to charge that item to my normal credit card, not be forced to pay for it right away from my bank account. In addition, I lost out on the credit credit reward points that would have been generated from that large purchase. 

I am not a careless consumer and I am not ignorant when it comes to reading the " fine print '' of an online purchase. The fact that I accidentally opened a PayPal Credit Card speaks to the disgusting and obvious predatory nature of this credit line. I am certain that there are people all over who charge items to PayPal Credit thinking it 's going on the credit card linked to their normal PayPal. These people most likely end up with massive late fees and penalties. What a disgrace. I 'm glad that I caught this early, but I am angry that I was hit with a hard inquiry and was forced to come up with {$890.00} on the spot to make this work. 

As a result, I will never use PayPal again. If PayPal is my only option, I will kindly let the merchant know how PayPal treats their customers and take my business elsewhere. PayPal Credit should be closed immediately. I look forward to the class action law suit against PayPal when more people realize that this unsolicited issuance of credit is extremely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I was in college ( XXXX XXXX ) in 2007 my school told me to pulled private loans for me because they said I did not have enough money to finish. I should have had more then enough from the government. They took my loans to all these different banks and by the time they finished I owe money in transfer fees and the interest rate that they changed accrued on the loans. I NEED THE PRINCIPLE LOWERED. EVERY STUDENT IN DEBT NEEDS A LOWERED PRINCIPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
loan XXXX, loan serviced by Ocwen ; Ocwen will not admit that their creation called Shared Appreciation Mod is dead and cancelled. Signatures are not real by either party. 
Ocwen keeping the mod alive in order to keep the payments made. A new loan mod requested has been submitted.

Company response to consumer: Closed with explanation