BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-26
Company: MOHELA
State: OK
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:
I have XXXX student loan from loan servicer Mohela. The loan was disbursed in XXXX disbursements. In XXXX 2016, Mohela reported to the XXXX credit bureaus that I was 60 days late on XXXX loans when in reality there was only XXXX loan. This is causing a negative impact on my credit score. Not to mention that the forebearance paperwork that was submitted in XXXX 2016 was back dated to include XXXX 2016 payment. 
I am a hard-working single mother, and a veteran of the XXXX who is striving to provide for my XXXX young sons. I can not afford the financial impact that Mohela 's erroneous negative reporting is having on my everyday life. I can not afford adequate transportation or housing without outrageous interest rates because it looks like I have XXXX student loan delinquencies in XXXX 2016, instead of XXXX. 
Please help me rectify this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm in a high interest only loan with Bank of America and I am in the process of refinancing. When we called for a payoff they had late fees and inspection fees and a random fee of XXXX . I have sent in all bank statements to prove none of the fees are correct. XXXX XXXX said if I could get here my bank statements faxed to her she would take care of it by XXXX on XXXX/XXXX/2016 as I needed the payoff to close on my refinance. That never happened and I never received a return phone call as she promised and she will not answer my phone calls, So every time I call I get a different person who ca n't help and have put over 50 hours on the phone with them. My refi did n't happen and still has n't happened due to them not resolving this issue. They also reported me 30 days late for XXXX claiming I did n't pay XXXX. So now that is affecting me from being able to refi. I produced a letter asking that to be removed. In the meantime it 's causing a hardship to be held in the loan. This loan has increased and I can not afford it.

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 2021-01-13
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Originally the problem started with a restaurant ( XXXX XXXX XXXX XXXX, IL ) that I had cancelled an order with - They said I may be charged but that it would be reversed in about 3 days in a phone call conversation. I contacted them again later by email but no response. I then contacted my bank ( US Bank ) to dispute the charge several times and still no resolution. 


Amount of Charge XXXX Date of Charge XXXX Merchants name XXXX XXXX XXXX What was ordered/paid for? 

Cancelled food order Service/Merchandise Not Received ( 3 ) You recognize the company and withdrawal information but didn't receive the merchandise or agreed upon service from the merchant and the merchant is either unwilling or unable to provide the merchandise or service. The Approximate Date of Contact must be after the expected date you were to receive the merchandise/service. 

Have you attempted to resolve this dispute with the merchant? 

IF YES Answer the questions below Yes Approximate date of contact XXXX Spoke with Manager How did you contact them Phone/email Response The order would be cancelled and amount refunded Expected date of receipt of service/merchandise? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Did you receive any service/merchandise from this transaction? 

IF YES Answer the questions below no What was the value of the service/merchandise received? 

n/a

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 2017-07-25
Company: JPMORGAN CHASE & CO.
State: TX
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:
Inquiries are showing more than once on my credit. Some of which I do not recognized.
XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto  Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
The interest keeps climbing and my lian amounts nearly doubled, which makes it merely impossible to pay my student loans. Im a single mother, and I barely make it day to day for basic necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Please help me at Caliber Home Loans. everyone I speak to is trying to help but simply can not provide the necessary info. I need to have a simple letter / email drafted by your company saying one of the Lein mortgages ( one filed incorrectly by Caliber ) will be released from docs already submitted to and by you and even sent to me via an agent of yours. I am on day 18 of being in contact with your single point of contact and even a level 2 Mgr ( XXXX XXXX XXXX ) who is by the way amazing! ) Everyone seems to be doing all they can but no one is owning this. I dont understand how hard it can be to simply write an email to me explaining one of the mortgages above was and will be released? I just left the hospital and is still under doctors care, in bereavement, unable to work, going thru potential divorce, trying to close out a home after simply using your Covid forbearance Im at wits end. And I have worked within XXXX XXXX  for years at the XXXX and XXXX level. I cant imagine if this was someone else. By the way, kudos to your agents/ reps/ mgmt etc who tried all they could but simply were not able to provide a statement that caliber even plans to release the partial claim leins filed under FHA case in XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 Quicken Loans called and asked if I wanted to refinance my home at a lower interest rate and since I had a lot of equity in my home I could pull some out for things needed around my home. Since Quicken Loans already handled my mortgage the person I was talking to said there would be no problem with me increasing what I owed on my mortgage. I asked if I needed to pay off any of my debts and he said it was up to me on how I receive the funds. 
My wife and I had just returned from a trip to XXXX XXXX and we had purchased a timeshare through XXXX. When asked if I could use some of the funds to pay off XXXX it was related to me that it was strictly up to me on how the funds were to be used. I was told that I could receive the total amount and pay XXXX on my own or they could issue a check directly. The loan was closed and a check was made out to XXXX and mailed to me. 
During this transaction my wife and I found that information we received during the XXXX presentation was not true. Because of the misrepresentation, we ask XXXX to void the contract. 
I called XXXX and asked if the could reissue the check to me instead of XXXX. They had me contact their title company, XXXX XXXX Arizona XXXX XXXX to request that the check be reissued to me. The title company directed me back to Quicken Loans. 
Quicken Loans is refusing to reissue and release the {$12000.00} to me. 
As of this date XXXX XXXX they are holding monies that I am paying mortgage payments on. 
I am requesting that they release these funds and pay interest from the date of the closing of the loans to their release date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: FL
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 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 an account without my handwritten 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 2016-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with BOA. The Loan was paid off in XXXX 2014. BOA is reporting that I am 90 days late in XXXX of 2014. I could not have been late in XXXX of 2014 when my loan had been paid off in XXXX of 2014.

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 2018-05-29
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: Account information incorrect

Complaint:
I look on XXXX XXXX daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau Equifax and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX back they said they could not help me and transferred me to their parent company XXXX XXXX. XXXX told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: GREATAMERICA FINANCIAL SERVICES CORP.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contracted to have a phone system installed at my business. I thought that I was contracting directly with the installer, I did not realize at the time, that the equipment was leased and that the contract which I signed included a separate 5 year lease for the cost of the equipment until I began receiving bills from Great America Financial Services.

Great America has made it very difficult to process my monthly payments. They will not allow me to put the payments on a credit card, they email my statement and I have to send payment by mail, which they don't process before a late fee is incurred. The payment amounts vary monthly, so I can not set up a recurring payment. Although I am one entity, they structured the account as 2 separate accounts so if a payment is late, I incur 2 late fees of {$28.00} per account. They have suggested that they can take automatic payments from my bank account but I feel that this company is unethical and do not want to grant authorization for them to access my bank account. My last payment, which was mailed on XX/XX/2022 did not clear until XX/XX/2022, which indicates that they are not processing the payments in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In light of the recent news reports of accounts being fraudulently opened without customer authorization, i.e. XXXX XXXX, Chase Bank, XXXX XXXX XXXX, etc., we feel obligated to lodge the following complaint : 1. Opened an AARP Visa Rewards Card through Chase Bank XX/XX/2016 2. Paid balances in full in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 3. In XX/XX/XXXX we received an Amazon Visa Rewards Card through Chase Bank, for which we NEVER applied ... we feel it was sent due to our opening the AARP card and was generated from Chase Bank ... this card also had our last name misspelled 4. Payment for AARP card for XX/XX/2016 crossed in the mail and considered late 4. Due to the above action, our card was declined at grocery store on XX/XX/2016 5. On XX/XX/XXXX or XX/XX/2016, we received a letter from XXXX XXXX based in XXXX, Florida concerning an Amazon Store Card instructing us to contact them regarding additional information about the recent credit application ( again, application NEVER initiated by us and our last name was misspelled the same way as the Amazon Visa Rewards Card from Chase Bank ). We contacted them and learned that the account had been closed. 
6. On XX/XX/2016, we contacted Chase Bank regarding our Amazon Rewards Card and learned they had already billed us for a membership in Amazon Prime, again something we had NEVER authorized. Chase Bank worked with us and set up a Fraud Alert on this card. We also closed out this card. 
7. On XX/XX/2016, we contacted Chase Bank regarding our AARP card and had them set up our account with a Fraud Alert. 
8. We assumed that everything had been cleared up and our accounts were in good standing. 
9. On XX/XX/2016, we received notice from a company deducting automatic payments from the AARP account that our card was declined. 
10. On XX/XX/2016, we contacted Chase concerning the AARP card and the declined payment and learned that the mistake was on their part and was rectified. 
11. We have chosen to close the AARP account through Chase Bank as soon as the last payment has been credited to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
The College ( XXXX in XXXX, Ca ) that I was currently enrolled abruptly shutdown. I was XXXX weeks away from graduation. I am no longer choosing to continue with my education since I would have to take even more classes. I also did not get a well paying job out of it, even though I was told numerous times I would.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2015-08-27
Company: FIRSTBANK PUERTO RICO
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As of XXXX 2015, my working hours with the XXXX XXXX XXXX XXXX has been reduced to the minimum amount. I contacted the First Bank Mortgage and they gave me some alternatives regarding the Loss Mitigation department. I completed the application and submitted the required documents asked for by the institution. Since then, it has been a nightmare. My case has been assigned to several employees ( about XXXX ). They required additional documents, which have been sent to them in a timely manner. Every time that I called them to find out more information about the case they switch me to a line that no XXXX answers. It has been more than two months that I have been working with them and until now I have not received an answer from the department. The only phone call that I received told me that I need to pay a month 's rent because if the house goes for more than 3 months without pay the case will be sent to another department and some lawyer fees may apply. They then told me that the case would be more difficult to work on. Since this process started and no decision has been made, my anxiety continues to rise and I do not want to continue with the situation. I will like to know what is the next step. If I was not approved, I will like to know. I have no other choice than to file a complaint with your institution. Thank you in advance for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: GREAT LAKES
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Submission of my Income Based Repayment application was delayed with no current resolution. Temporary forbearance " solution '' caused my interest to be capitalized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Servis One, Inc., Titusville, PA Branch
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I sign up for a home modification with B.S.I. I was put down as a denied, I ask why? they told me I was a fraud. I ask what make me a fraud. they said I did n't sent all my paperwork.I told them, that not a fraud. 
I resign up three time sent all my paperwork only to be told we never got it. each time. I was told that. XXXX my status has changed my daughter live with me now, still trying to get modification..me and my advocate sent a update package, only to be told we do n't have it, and we are not going to review you.I have been here three 25yrs. and work 33 yrs. Iam retired now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My automatic payment from XXXX Bank to Ditech Financial was not applied to my account on XXXX XXXX for XXXX XXXX 's mortgage payment. I was not aware of this until XXXX XXXX. I had XXXX Bank fax over proof of payment on XXXX XXXX. After contacting multiple customer services representatives, including XXXX XXXX, my first account supervisor on XXXX and XXXX. I was told it was being processed. XXXX Bank resent the proof of payment as we were told by XXXX, a customer service rep, that the original was unreadable. This was done on XXXX XXXX. After speaking to XXXX in South Dakota ( XXXX, his supervisor sent an e-mail to expedite this ) on XXXX XXXX and XXXX in XXXX on XXXX XXXX, I was told that the ball got dropped and they are now processing that payment. Finally, as of XXXX XXXX, the payment was credited to my account as an " unapplied amount. '' My payment history is now showing a missed payment for XXXX XXXX rather than applying the misapplied amount to that payment. As a result, I am now receiving collection notices via phone, mail and on my front door for a missing payment that was never missing. I have also continued making on time payments since that date and my account payment history reflects this. My current statement shows my next payment is due XXXX XXXX and I assumed my account was current. However, the collection notices are still being sent and I am worried about the effect this will have on my credit as well as my peace of mind. There are many notes attached to my account at Ditech that support the fact that the fault of the missing payment is not mine and the customer service reps have all validated this. However, the collections department does not seems to be aware of this glitch.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation