BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-11
Company: Army and Air Force Exchange Service
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I have an account with the Military Star credit card, issued by the Exchange Credit Program, XXXX. XXXX XXXX XXXX, TX XXXX. I made a purchase on this account under a promotional zero interest plan. The company intentionally prevents payments made from being applied to the no interest balance, in order to carry that balance through the end of the promotion which would then begin earning interest. There are no materials or billing information listed either in the promotion materials, or the billing statement, that tell consumers that they have to request each time a payment is made, exactly how that payment would need to be applied. Without their knowledge, the agency automatically applies the payments to the non-promotional balances, including when additional payments are made or when no payment is due. This will cause all of the military customers to begin earning interest on a balance that they believed was paid off before the promotion ended. I find this to be a predatory practice, specifically targeting young service members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: IL
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 uploaded a letter to EXPERIANRIAN, XXXX  AND XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Experian sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian doesn't have any files to verify this account, nor will they delete 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 2020-08-11
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
XX/XX/XXXX, Chase Mortgage sent a letter agreeing to correctly update my account to a consolidation loan and not a mortgage account. This Chase account was never a lien on a property. We sold the home back in 2002. As of XX/XX/XXXX the consumer report was updated correctly, but the factual data base reporting to mortgage companies was not updated. Chase is still reporting as a mortgage collection ( foreclosure ) to our  lender. We are trying to close on a house this month. We need this information updated on the factual data base reporting system that the mortgage company receives. 
See documents attached. We appreciate your prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: MOHELA
State: TX
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 was approved for a forebearance through XXXX/XXXX/2016. However, Mohela is reporting past due for XXXX. I 've already contacted them about without a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Stallings Financial Group first called my mother about my debt before me. I called them back and the woman, XXXX XXXX, was very rude to me. She would not send me a hard copy of my debt, then she put me down as a refusal to pay and hung up on me. I called back to speak with a manager, XXXX, and she was very rude to me. I asked them not to call me and was very rude about legal terms. Her tone of voice was not what it should have been. I am very upset with debt collectors and how they have handled me. 
My parents are divorced, my father is the primary holder of my insurance by divorce decree. I have in writing that he has agreed, if sent to him, to pay. No collector will listen to me explain this and send me hard copies from the time I had XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was made aware of a collection on my report when I was applying for a loan. The collection Enhanced Recovery is reporting I quickly went ahead to request a validation from them and they sent me copies of the statements ( which I attached ). Statements don't show me how they came to the amount on the collection. This also in no way shows that this debt is valid and is even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have file disputes and have not received anything regrading them. I feel the 30 days is more then enough time to reply to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My original complaint # XXXX was sent to you on XXXX/XXXX/16. Thank you for your response today. A lot has happened since then. They have all monies from me owed to them by the date they wanted it. They had my money since XXXX/XXXX/2016. My 1st complaint to you was XXXX/XXXX/2016. They will not apply my money sent to them. It is now XXXX/XXXX/2016. Foreclosure has not been started yet. Since they received my money on time they can not by law do anything but accept my money because Illinois is a judicial state. There are recorded phone calls from customer reps and managers that told me they have the money and on time. The are giving me the run-a-round and not applying the certified checks they received. Every time I call I get a different customer rep with a diferent response. They even hang up on me. I checked with my county courthouse and no papers have been filed with them. I checked all local newspapers in my area and no legal notices have been posted yet. These are legal procedures that mortgage companies or collection agencies have to do if the property is located in the state of Illinois. There are over XXXX bad reviews on the internet for Ditech /Greentree using predatory lending and collection procedures. They need to be stopped. They need to be forced to apply my checks and make my account current.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Army and Air Force Exchange Service
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have a STAR Card which has automatic payments going to it and even with these payments, they keep submitting I am past due and they will not remove the late payments. I was XXXX from XXXX 2015 until XXXX 2015 and was unable to handle this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Amsher Collection Services, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As of XXXX. 2020, I am being asked to pay {$100.00} for a debt that I was completely unaware of, by companies that I did not know existed. The collector is named as AMSHER COLLECTION SERV and the original creditor is named as XXXX XXXX XXXX. I do not know of either companies and I don't know why they're asking me for money. I tried to reach them over the phone and could not get an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They will call me from XXXX or later. I have an App on my phone to block their calls. This gives them a list of times and dates when they have called. I do not answer my calls to them and they have called me from all different types of numbers outside of my state. I have not enough to pay them the minium since I work retail and have mini wage jobs.. I have XXXX jobs just to try to stay afloat to pay for rent, xcel, phone, car and internet ... .. They came to my home today with papers for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was over 90 days behind on my mortgage payments to Wells Fargo when the issue occurred. I received a letter from them stating that they had information that my property may be vacant which may effect my insurance. On the morning of XXXX XXXX, 2016 I called them and explained the home is a rental and was rented as of last month and is not vacant. I asked if they needed a copy of the lease as proof and they said no, they would update their file. That evening I received an irate call from my tenant stating someone came to the house with an order saying the house has been foreclosed, they needed to vacate, and they were there to change the locks and winterize the home. The people had my name and papers the tenant described as an order. I called Wells Fargo and asked why they are sending someone to my house when I just confirmed with them the home is occupied. They said it was a home preservation service. I explained my tenant is now under the belief my home has been foreclosed on now and they must vacate. If they leave I will not be able to make payments and I will lose the house. I complained to Wells Fargo and spoke to someone in the office of the president. They said I would be contacted in 48 hours about my complaint. As of today no one has contacted me. 

I feel Wells Fargo sending someone to my house to tell my tenants the home had been foreclosed on and they had to leave is an unfair and unethical business practice.

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 2020-08-11
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am signed up for a XXXX XXXX saving app that I am unable to connect my PNC account to. In order for me to automatically save small increments of money daily I need to be able to link the two accounts and PNC has made it so that can not happen. I am thoroughly upset and I hope that they can resolve this problem so that I can re link my card and go back to saving my money the way I like to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Mr. Cooper Group Inc.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
mr cooper ( nationstar ) on XXXX they paid out of my escrow to my insurance co {$840.00} then on XX/XX/XXXX they took out of escrow {$500.00} for lender paid insurance then on XX/XX/XXXX they took out of escrow {$440.00} for lender paid insurance then on XX/XX/XXXX they took {$440.00} out of escrow for lender paid insurance total {$1300.00} i called then 8 times with no resolution i have always had insurance now my payment went way up they will not refund to my escrow. they stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Not sure who this company ( CONTRACT CALLERS ) that is trying to collect a Debt in the amount of {$960.00} that is not owed.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-08-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Navient in regards to information that was reported to the credit bureaus regarding a series of late payments in XXXX. I advised the company that the accounts were made current and that I was placed into forbearance at that time and requested the errors be completed. They refused this request as they claimed that they believed the information to be accurate ( without a proper investigation ). This contact was made on XX/XX/XXXX. I then sent a formal letter of dispute via certified mail to the Navient Credit Department the following day on XX/XX/XXXX as per the conversation on the phone they would not let me speak directly to a representative and claimed they only took snail mail. 

To date I have not received return correspondence to this dispute letter. Today is XX/XX/XXXX. I have also sent dispute letters to the credit bureaus dates XX/XX/XXXX and am awaiting a response. This information has not been verified and is inaccurate and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been disputing this debt with this company for over the past year and they keep verifying a debt that they haven't sent me proper proof of.A printout of a bill is not proper validation and until the company can provide proof of debt that I asked for they need to cease all collections and remove negative information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Eight years ago, Wells Fargo tricked us into an account which charged us {$30.00} a month. I spent over 7 years trying to get Wells Fargo to switch the account. They refused. Finally, when the President of Wells Fargo was called before Congress, I tried again. They were suddenly willing to change it. A month later, I went on line to see something in my statements. I was not able to access my statements. I called to find out what was going on. I spoke to people in the executive office. At that time, Wells Fargo stated they had removed my access to my statements because I had changed my account. I pointed out that they are supposed to provide my statements, but they were not interested. Since they had taken this action, I pointed out they had forced me to stay in that account against my wishes and asked that they return the money ( {$30.00} a month for 8 years ). This was obviously a mistake. It started a vendetta against me. Immediately afterward, I was blocked from getting copies of cancelled checks. Then they cancelled one of our debit cards. I wrote a letter to the new President of Wells Fargo hoping to get some help with these hostile actions. I received a letter saying it had been received, but I never got another response. However, in response to the letter, the people in the executive office blocked me from transferring money between our accounts. Began charging fees on other accounts without reason, and then cancelled our other debit card. Each time they did one of these actions, I would call them to ask what they were doing. Each time I called, they responded with open hostility. They just sent me a letter saying they were going to close my kids ' college accounts. These people in the executive office are completely out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing. I understand that as a credit bureau youre a for profit entity and investing consumer disputes and complaints is not in the best interest of your company, but you have enormous power over my financial situation with the data you hold within your company. Please respond to my request!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: AES/PHEAA
State: PA
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:
The company, Fed loan Servicing is reporting inaccurate and erroneous information for six accounts on my XXXX, XXXX, and XXXX credit reports. I am the consumer, the natural person according to federal law, and the only individual who validates an account as accurate. Fed loan Servicing did not have a permissible purpose under 15 USC 1681b ( 2 ), no written/ oral consent to report these alleged items to the credit reporting agencies. Additionally, it is a federal law to provide accuracy of any information item contained on a consumer report. The information is reporting inaccurate date opened ; balance ; last reported ; date last active ; missing payment history which is all a direct violation of state and federal law as well as an infringement of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
In XX/XX/2020, I filed a dispute with Experian, XXXX  and XXXX   credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. Thank you

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 2020-08-11
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In trying to link my PNC bank accounts with XXXX  through XXXX, I get the message that PNC has made a change that prevents my accounts from being linked. This is preventing me from being able to invest through this account. I'd like the cfpb to work to fix this issue with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I request a finance quote on the around XX/XX/XXXX, and they gave me one quote on XX/XX/XXXX, that quote as expired, and I needed another one to be send in, and they told me, the system is down and do n't know when it will be up, and running. I told them I needed it by tomorrow, and they keep telling me they do n't know when, the system will be up and running, it can be any time. But if I do n't get it by Friday. It is going to cost me money I do n't have, and a lots of grief, I do n't want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Gitsit Solutions, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband has been unemployed since XXXX due to COVID-19. Our lender, Kondaur Capital Corp, gave us a 3 month forbearance. They are refusing to extend our forbearance even though my  husband is out of work due to the pandemic.

Company response to consumer: Closed with explanation