BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a federal loan from back in XXXX. After I graduated it was through Sallie Mae. Eventually it was consolidated and ended up with Navient. 
I've been paying them and in and out of deferment over the last 10 years or so. I am a single mom with a very low income and when I heard that we would have a chance of having loans forgiven I was so happy. In XXXX of XXXX I called Navient to find out what I needed to do so I could be eligible for the loan forgiveness. They told me my loans had to be consolidated but that I had already done that when I was with Sallie Mae so I didn't need to do anything else. I believe them, because they should understand this, not me. So I waited. And waited. I just found out this week when I called Navient back again that I was supposed to have consolidated my loan somewhere else, but they said it was too late, the cut off was XX/XX/XXXX. I was sick to my stomach. I couldn't believe that they had told me I was going to be eligible back in XXXX and I didn't need to do anything else, only now to to tell me, it's too late, you can't do it anymore. I was so very upset. I believe this loan forgiveness incentive was really targeted for struggling people like me. I have XXXX son about to start college and i'm not even student loan free myself. I really need someone to help me. Please tell me there is a way that I can still be eligible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The accounts listed on my credit report are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015, I opened a Citigold checking account with an offer that stated I would receive XXXX XXXX miles ( worth approximately {$500.00} ) after meeting certain criteria. I then met those criteria and confirmed with a Citi representative via secure message. I was told to expect the XXXX XXXX XXXX miles by the end of XXXX. During this time I was charged three monthly service charges of {$30.00} each. Now after confirming the promotion was applied to my account, confirming that I had met the requirements for the promotion, and confirming they would be depositing the miles, Citi is changing their mind. They have decided to investigate if I was targeted for the promotion. I have waited over three weeks to hear about the investigation but they have not contacted me. Over the past six months, Citi never said anything about needing to be targeted for the promotion. I have {$90.00} in fees which will continue monthly during their investigation, and I do not have the XXXX XXXX miles that they confirmed I would receive. It 's not right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope Citibank will honor the promotion they already told me I qualified for.

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 2015-06-10
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have been behind on our Home Equity Loan with SunTrust. We have been working with them on the XXXX mortgage as well as the home equity loan, but despite all the hoops we have jumped through for them, they have turned us down for a loan modification. Funny thing is that after they turn us down, they send us a packet saying they want to help us!!!! Now, we have finally found a way to get caught up on our XXXX mortgage, and I called the same bank -- Suntrust -- to get caught up on our home equity loan and they informed us they have charged off the loan because we are five days late. WHAT???? Yet, they accepted a {$300.00} payment last month ( XXXX ), a {$500.00} payment just went out, and I am holding in my hand a bill from them saying our due date is XXXX XXXX. How on earth can a bank charge off a home equity loan without sending out some sort of certified mail notification? I am shocked and disgusted by SunTrust. We have been battling with them for over a year over payments they have returned, causing us to be late ( we have proof from our bank but they wo n't admit they returned the money ) -- we finally caught up and now they are trying to charge off our XXXX when we have been sending money every month and are now literally sitting on the phone trying to get caught up. They are a joke and the whole idea of " let us work with you and help you keep your home '' is a fraud. I hope the CFPB can help us to hold them accountable for either their stupidity and incompetence or downright inhuman treatment of hardworking people trying to do the right thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my collection, it belongs to another person with same or similar name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
When I tried to make an account at the XXXX XXXX XXXX XXXX, they said I could not complete the process because my Equifax credit report information was not consistent with the information I provided for them. My birthdate on the credit score is incorrect : It says my birthdate is XXXX/XXXX/1981, when I 'm really only XXXX. I do n't understand what exactly is going on, and I 've yet to get the answers I 'm looking for. I just want them to correct the birthdate so that I can apply for an account with the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have attempted numerous times to give Equifax the opportunity to delete these XXXX accounts that has not been verified nor did they respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). The accounts in question are : XXXX, XXXX, and a public record XXXX. These accounts are NOT MINE and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: SD
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 made a purchased to " XXXX XXXXXXXX '' on XXXX XXXX, XXXX  with my chase freedom card ( last four of card number XXXX ). I purchased a cabin rental called XXXX. I called into chase freedoms fraud department bc I didn't recognize 'XXXX  ' however, it was my mistake and that was in fact the cabin rental for XXXXXXXX XXXX. I called the chase freedom fraud department back stating my mistake. Chase freedom issues XXXX the funds of {$490.00} on XX/XX/2022. I have the document stating that from Chase freedom. I made a XXXX XXXX XXXX XXXX ) claim against XXXX. I was notified by XXXX on XX/XX/2022, they had issued a refund of {$490.00} to my financial institution ( JP Morgan chase freedom credit card ) on XX/XX/2022. I called and spoke with associates of JP Morgan chase freedom credit cards fraud, dispute, customer service and dispute departments on XX/XX/2022 and was told they did not receive any funds and could not assist me. Unfortunately, I resorted in the assistance of XXXX XXXX XXXX on XX/XX/2022 to help me find the funds JP Morgan Chase Freedom Credit card may have misplaced. On XX/XX/2022 I was contacted by an associate from JP Morgan Chase Freedom Credit Card that they have sent the funds to XXXX XXXX I'm not sure who has the funds but XXXX has informed me they were last to send the funds back to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Specialized Loan Servicing Holdings LLC
State: NJ
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:
In 2019 my wife was diagnosed with stage XXXX XXXX XXXX. I am permanently XXXX with XXXX XXXX. We missed mortgage payments for the months XXXX, XXXX, XXXX of 2019. I contacted the mortgage company and they offered a loan modification because of a medical hardship. We sent the application paperwork for modification of the mortgage back on XX/XX/2019. The process of doing the modification of the loan was finalized on XX/XX/XXXX 2019.During this process the mortgage company called every month and withdrew payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 XXXX reported these months late on the credit report to the credit bureaus. I dIsputed this to XXXX, XXXX  and XXXX XXXX. I supplied all three credit reporting services with proof of payments posted to the mortgage company from the checking account. They investigated and return with the loan was modified and current. I disputed the findings again to the credit bureaus. The same answer came back from the investigation. I was told to contact the mortgage company and open a credit dispute with them on an error of crediting payments taking directly from the checking account. I spoke to someone and would not delete the late payments. They told me that I should have asked for a forbearance and that would have not affected my credit. I was never told about this option back in XXXX XXXX.I asked to talk to a supervisor and received a return call the next day with the same decision not to credit these payments. They record all telephone calls. I told the person that took the payments every month that how can you repot these late. I was told when the modification of the loan was complete that it would be fixed on my credit report. I came to find out about this when trying to refinance the loan with another company. I was never credited for the payments and that it shows as late on my credit report. 
Thank You, Trying to refinance a mortgage after a medical hardship

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have a Citibank Checking/Savings account. On XXXX/XXXX/15, I deposited a check which subsequently bounced. I was charged XXXX dollars due to the checking account that was providing the source of funds having insufficient funds. I believe that this unfair and fraudulent ; since, I am unaware of whether the check I received will clear or not. Being the recipient, I should not be held responsible for the failure of another person 's mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-31
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
With a SunTrust 2nd Mortgage of 10 years and a SunTrust 1st Mortgage ( currently a VA Loan ) of 18 years, we submitted an application to SunTrust Mortgage for a VA Refinance to include our 1st Mortgage, 2nd Mortgage, XXXX credit card and XXXX additional loans. SunTrust denied the refinance and the principal reason for denial was " Poor Credit Performance with Us ''. When asked for an explanation, it was indicated the denial was due to the " 2nd Mortgage XXXX lates ( XXXX ) within the recent 12 months ''. 

We found this to be peculiar due to VA guidelines for Late Payments, " The applicant 's past repayment practices on obligations are the best indicator of his/her willingness to repay future obligations. Emphasis should be on the application 's overall payment patterns rather than isolated occurrences of unsatisfactory. '' Base on this reading, the XXXX late payments on our 2nd Mortgage were the only blemish on our Credit Report for the last 12 months. In fact over the history of our Credit Reports the only 2 accounts showing past dues were the 1st Mortgage XXXX XXXX XXXX XXXX XXXX and the 2nd Mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The 1st Mortgage has been in service for 18 years with only XXXX of the XXXX payments made past 30 days. The 2nd Mortgage has been in service for 10 years with XXXX of the XXXX payments being made past 30 days. In all cases the payments were brought current with all late fees and interest paid in full. 

At the time of application, we reported over {$6000.00} in cash, {$550000.00} in Assets and {$440000.00} in Investments with a credit score of XXXX for self and XXXX for my spouse. This couple with stable employment and a credit history spanning some 35 years and only XXXX account within the past 12 months indicating an overdue amount seem to be in conflict with the VA Guidelines. As a Veteran and a person that has handled his finances in a responsible way, I believe the Denial was based on something other than " Poor Credit Performance with Us '' and would like the cfpb to fully investigate.

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 2021-01-15
Company: EQUIFAX, INC.
State: NC
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 wrote to Equifax that they were reporting an erroneous bankruptcy on my credit report. They responded back to me that the item in question was reporting accurately by the 3rd party company they contact XXXX. I contacted XXXX and they have removed the erroneous item from their files. I need for Equifax to remove the erroneous bankruptcy from my credit report immediately. The confirmation for the Method of Verification from Equifax is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank took over the accounts for XXXX from XXXX. When doing so, our XXXX number was not carried forward to the Citibank account. When payments were attempted to XXXX, they were returned. Citibank imposed late charges and finance fees in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first notice that we received of a payment address for Citibank was in XX/XX/XXXX, upon which we came current on our account. However, Citibank is not refunding all late payments and finance charges accrued during the XXXX month period.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights 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 written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16811s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-01
Company: HOMESTAR FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 I instructed my escrow officer to wire Homestar Financial Corporation {$500000.00}. 
I have made many phone calls, a registered letter and had an attorney write a letter but to date there has been no communication from Homestar Financial Corporation to me. 
The deed of trust satisfaction has not been sent to me nor has it been recorded in XXXX XXXX. 
I can see that on several documents I said XXXX XXXX XXXX instead of Homestar Financial Corporation. They are XXXX and the same and all reference should be Homestar Financial Corporation including the registered letter. My mistake. 

I have not received any closing statements from Homestar Financial Corporation. 

I have spent hours and money ( attorney fees were {$100.00} ) trying to contact Homestar Financial Corporation and have exhausted my options. 

After contacting the office of Representative XXXX XXXX I was given your contact information. 

I would appreciate any assistance you could provide to resolve this issue. 

Thank You

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have noticed that Nelnet has a " XXXX '' option that offers to lower your interest rates by 0.25 % if used. Why can they alter the original loan agreement and selectively adjust interest rates? I am not sure if I trust this service. Upon reading about other borrower experiences, it appears that Nelnet utilizes the " XXXX, '' feature to control where payments are applied, including, using the loan payments for the lowest-interest loans while allowing the higher-interest loans to accumulate. Some reviews indicated that the imbalance of focusing payments on the lower-interest loans while allowing the larger-interest loans to accumulate actually resulted in having to pay more to Nelnet overtime erasing the supposed savings of the 0.25 % reduction and in some cases increasing the amount paid over the life of a loan. This entire practice and option seem rather suspicious to me. If they have the ability to adjust interest rates at will, what is to prevent them from raising my interest rates currently? In addition, if they have this power, am I able to simply petition them to set my interest rates lower? Any information is greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Paramount Recovery Systems, L.P.
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:
They are reporting a medical bill to me and I have health insurance and I gave it to the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: MA
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:
Equifax claims they did an investigation which did not solve my disputes. There are XXXX items disputed on my Equifax report and they were not address by Equifax. Per FCRA if after 30 days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. Equifax continuously ignores my disputed and just claims that things were verified. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for Equifax to be in compliance. At this point Equifax is in direct violation on multiple accounts according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To many times and dates to mention, this will be my second complaint due to the fact I never got the problem solved and now I am being ignored

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