BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been getting numerous phone calls on my debt. In XXXX day I will receive anywhere from XXXX phone calls and XXXX voicemails. They will call 7 days a week from XXXX to XXXX. They have discussed my debt with my family, friends, and references I used on my student loan application. They refuse to send me my original promissory note so I am unable to verify the amount I owe to them. Several of my student loans have reached the statute of limitations and they are still threatening me and are not helping me. I have tried to work with them but was called ridiculous and told I needed to be in a better frame of mind. I was hung up on XXXX while trying to discuss my options, that they wo n't talk to me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: JPMORGAN CHASE & CO.
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I just filed a complaint # XXXX on the wrong website for with the CFPB. IT was on Saturday XXXX/XXXX/16 and the chat was closed but I was angry about what Chase Bank was doing with my deposit. I deposited a {$50000.00} check from XXXX Hospitals Self Insurance on XXXX/XXXX/16. It was payment for money I had put out due to one of their doctors. When I deposited the check, my bank in XXXX, WV said the check would be put on hold for verification and would be available to me on XXXX/XXXX/16. The my accounts section on Chase.com said the check was on hold until XXXX/XXXX/16. Then I got an e-mail from XXXX XXXX, Senior Vice President at Chase Bank stating the money, MY MONEY, would not be available until XXXX/XXXX/16 and I could call XXXX option 1 which I did and spoke with XXXX. HE said there was nothing he could do because XXXX XXXX, where the check was issued, does not verify. My complaint is that Chase Bank is holding MY MONEY 5 days past the time stated on my deposit receipt. I am having XXXX on XXXX/XXXX/16 and may have a few things coming into the bank before XXXX/XXXX/16 and will now have to pay some things later than expected due to this Senior Vice President deciding to hold MY money for an additional 5 days. This is very disconcerting to me that they have the power to do this to a long time customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
HIPlease explain while you linked this Barclay account opened on XXXX a prior Barclay account that was opened before the consumer filed Bankruptcy in XXXX. 
Please note your statements for the Barclay Account opened on XXXX/XXXX/XXXX you provided the consumer in your first response to CFPB complaint ref # XXXX by this consumer shows your continually accessed a bank account that had been closed by the consumer for over ten years and revealed the linked to the first Barclay account the consumer opened prior to a Bankruptcy. 
Also the consumer never requested or gave permission to Barclay to upload the statements for this account to the CFPB website on the complaint # XXXX dated XXXX/XXXX/XXXX. This prior complaint was a request for the address to Barclay 's fraud department to submit a FTC Fraud Affidavit and the written instructions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am requesting with great dissolution, pain an anger a review of my financial documents for a work out plan that would be affordable.. I am XXXX and my hardship began XX/XX/XXXX when th e economic became horrific. The economy faltered and my business fell. This was the beginning of our struggles. The reduction of income and increased expenses. In the midst of the economy downfall our property taxes went up adding to our expenses. Shortly after I was XXXX. I was no longer able to perform to my job capacity after the accident as a XXXX. I am now recuperating and business is increasing slowly. 
Our mortgage is upside down, the values around have taken from when we bought our property. Refinancing was and at this point is not an option. We have taken distinct steps to better our financial situation. We 've cut back our household budget, eliminating some debs and no credit cards. We heve provided to Caliber homes our financial documents asking for a modification with no success. We have just found out that our house has a sale day of XX/XX/XXXX. I am devastated it and asking for your assistance I want to maintain my home. It is not a palace but is the home that my wife and I have struggled for. All we are asking Caliber is to extended the terms, lowering the rate and adjust the principal balance will make our home definitely affordable and sustainable. 
I hope, you all consider my request. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: JTM Capital Management, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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: Grant Mercantile Agency
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt amounts are questionable. I ran my credit report and seeing 4 medical debts from grant merchandise agency. 2 debts from kings collection. Grant merchandise is claiming I have 6 debts from them but im only seeing two debts being reported from XXXX. 4 from XXXX and none from XXXX. The amounts are not consistent from what I owe and would like them verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: M.A.R.S., Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is reporting an erroneous mistake, this account does not belong to me, and they have failed according to FCRA to validate this debt they claim I owe with a contract bearing my signature. This collection agency is violating my rights and reporting inaccurate information per section 807-8,  please delete this account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I KEEP GETTING CALLS REGARDING A CREDIT CARD THAT IS SAID TO BE MINE.

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: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC SYSTEMS is reporting erroneously on my credit file. I recently checked my credit file and noticed a bunch of medical debt being reported on my credit file. They are reporting on my credit file for a debt that I dont owe, I am unaware of any debts that I owe because I have been working with the hospital & I have insurance as well as medical hardship. This debt should have never been sent to collection. This is erroneous and needs to be removed.

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 2022-03-27
Company: Williams, Rush & Associates, LLC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX i made a payment and the company is saying they never received it.. 
WILLIAMS RUSH & ASSOCI XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions 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:
Fraudulent XXXX credit card account from 3 years ago showing up with an unpaid balcony that is the result of fraudulent activity and identity theft that has been reported multiple times but the credit reporting agency refuses to fix. This is affecting my life and sabotaging my ability to sign a lease, take out a loan, line of credit, etc

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 2017-01-21
Company: Navient Solutions, LLC.
State: NY
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 currently owe more on my student loans than when I first borrowed for my XXXX ( back in XX/XX/XXXX and my XXXX in XX/XX/XXXX ). Over the years I have been forced into forbearance never informed that the interest would continue to accrue. I have specifically called and asked about repayment and forgiveness options and been given incorrect information. I called recently to follow up on Federal Repayment which I was told I would be eligible for this year. I was told I was never eligible, requested they review my phone calls from the year before which they claimed they could not find. I was told to consolidate which would have taken me 25 years to pay off with new interest when in fact if I continue paying them off the way I am now I would be done paying them off in ten years which they did not tell me. I have been a XXXX in XXXX for the last ten years and am a mother of XXXX. I am struggling to get by and live paycheck to paycheck. I was never made aware of other options than forbearance in the past and never told about forgiveness or repayment options and given false information when I asked directly. During my last conversation with Navient when I requested for them to review my phone records which they " could not find '', I was assured I would get a statement recording my complaint filed with Navient which more than two months later has not been sent. In XX/XX/XXXX I was told to consolidate my loans to be eligible for loan forgiveness which I did and then was told that I was never eligible. This consolidation, I believe, increased my interest to the point where I now owe more than originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: AL
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:
I have new & updated information on XXXX, Equifax, & XXXX ( The CRAs or Consumer Reporting Agencies. ) On XXXX XXXX XXXX XXXX the consumer, sent Equifax, XXXX, & XXXX certified mail stating Im a victim of identity theft with an attached identity theft report. The CRAs must honor my request to remove fraudulent information from my consumer report. The CRAs failed to block the items from reporting pursuant to 15 USC 1681c-2. They instead made it a 30 day dispute. Its now XXXX over 30 days later and passed the deadline of the investigation. The unauthorized items must be deleted immediately. If the CRAs fail to delete the items from my consumer report, theyll be willfully noncompliant and will be on record for certifying the accuracy and completeness of the unvalidated items. ( see attached files )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have new & updated information on Transunion, XXXX, & XXXX ( The CRAs or Consumer Reporting Agencies. ) On XXXX XXXX XXXX XXXX the consumer, sent XXXX, Transunion, & XXXX certified mail stating Im a victim of identity theft with an attached identity theft report. The CRAs must honor my request to remove fraudulent information from my consumer report. The CRAs failed to block the items from reporting pursuant to 15 USC 1681c-2. They instead made it a 30 day dispute. Its now XXXX over 30 days later and passed the deadline of the investigation. The unauthorized items must be deleted immediately. If the CRAs fail to delete the items from my consumer report, theyll be willfully noncompliant and will be on record for certifying the accuracy and completeness of the unvalidated items. ( see attached files )

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 2022-03-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Opened a credit card with synchrony bank and they offered {$100.00} cash bonus after spending {$1000.00}. I completed the requirement but never received my bonus. Called several times and did not get a response. This unfair business practice and deceptive advertising

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 2021-01-13
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage loan account was transferred to the Shellpoint Mortgage from my original lender Ditech in XX/XX/2019. I made a payments to the Shellpoint but it shows up on my credit reports as a 30 day late payment in XXXX on my XXXX  and late for XXXX on XX/XX/XXXX and XX/XX/XXXX. I contacted Shellpoint to get this corrected and I was told that when it transferred that there was a 60 day grace period and it should not be reporting on my credit report as a late payment. I have been contacting the company and talked to different customer service, Tier2 supervisors and Managers about the issue and they agree that there is a mistake on the reporting of my account and that they would get it corrected. I recently talked to a manager and he told me that it should not be reporting late and he would escalate the issue to be resolved asap. I have not had any corrections made and I need this to be resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: FL
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN ATTACKED BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WHEN IT COMES TO MY PERSONAL INFORMATION. 
THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2015-04-21
Company: Patient Account Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX I was injured at work, resulting in TX workers compensation claim numberXXXX ( now updated to claim numberXXXX ). 

Despite providing the WC claim info to XXXX XXXX XXXX XXXX XXXX XXXX multiple times, they repeatedly billed me for services rendered. 
My WC Adjuster even contacted them XXXX/XXXX/XXXX to advise that they could not bill me ( see attached ). Instead of correcting the matter, they turned me over to collections. 

As I communicated to the XXXX XXXX XXXX XXXX XXXX 's billing department multiple times in XXXX -- and to the collections company Patient Account Services , LLC in XXXX -- this is not a valid debt. Over the past two years I have made multiple attempts via phone, fax and mail to correct this matter with both XXXX XXXX 's and with Patient Account Services without success. 

The treatment provided by XXXX XXXX XXXX XXXX XXXX on the date of service XXXX/XXXX/XXXX was related to a valid Texas Worker 's Compensation claim ( see attached ). Pursuant to the Texas Worker 's Compensation Act, Section XXXX, neither PAS nor XXXX XXXX XXXX XXXX Hospital are allowed by law to bill me for services provided. 

Attached is a letter sent from the Worker 's Comp adjustor to XXXX XXXX 's on XXXX/XXXX/XXXX stating this fact. I am unclear this company continues to pursue collections against me for this illegitimate debt. This inaccurate account should NEVER have been transferred to collections. Not only have both XXXX XXXX and PAS attempted to collect on this illegitimate claim, but have reported false data to the XXXX and XXXX credit bureaus. 

I am in the middle of buying a house and this inaccurate collections account is impacting my ability to do so. This account must be deleted, and the reports retracted from the Bureaus, immediately. 

Additionally, I would like to receive written communication from the company stating that they will discontinue collections and delete the reports from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WA
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:
I 've been given false information about paying back the loan. The original payment I was making for the first few years of the loan was not adequate to have the loan paid off in the original term. I was then told I need to increase my payment in order to 'catch up '. The payment amount I 'm making now is not equal to the statement amount they send me. Also the payment schedule does not make sense based on my own math. I 'm concerned my payments are not being applied correctly to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in foreclosure with a TS sale date. I contacted Wells Fargo bank on XXXX2016 to request a modification and was forwarded to their home preservation department. The representative informed me that they have to transfer me to their RE-ENTRY department because of the upcoming sale date to apply for a modification. We faxed in the documents that they provided which was a form called UNIFORM BORROWER ASSISTANCE FORM. I faxed in the form along with all required documents that same day. I called later that day to confirm that they did receive our documents and they had. I called the following day only to be told, that the form that we had completed was the wrong form and that the investor for my property requires a MAKING HOME AFFORDABLE ( RMA ) form. We faxed the new documents in on XXXX XXXX, 2016. They informed me that in the Re-Entry department that it goes through a 1st level and then a 2nd level review. I called daily for a status and continue to get the run around. We sent in a utility bill in my husbands name and then when I called for a status then they wanted a utility bill in my name. The bill that I sent in my name had my XXXX XXXX on it but the service address was to my house. They did n't except that. So on XXXX/XXXX/2016 I spoke to a supervisor about sending in a monthly car insurance bill with my name and my husbands name on it, he approved it. When I spoke to them on XXXX/XXXX/2016, I mentioned the CFPB and the California Bill of Rights and stated that because it 's in review that they must postpone the sale date, it was then that they informed me that we are not in an active modification review. They must complete the review in the Re- Entry department and then send it to the home preservation department for review. When I spoke to them on Saturday morning XXXX/XXXX/16, they said that the insurance proof was an issue again. I spoke to another supervisor about it and she said that she will send the first supervisor who approved it and get confirmation from him because it 's not in his notes. It is one stall after another. They are trying to still our house.

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