BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-29
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Recently, I received some phone calls from my family members stating that they were being contacted by American Education Services regarding my student loans. I informed my family members that I was up to date on my monthly payments and I had no idea why they were calling you. I have no idea how they got my parent 's and brother 's phone number due to the fact the their were no cosigners and their numbers are not listed on my contact sheet. When my mother spoke with the representative from AES, the representative immediately asked for my SS # and also my mother 's SS #. My mother immediately thought this was a scam and stated that she would not give out that information over the phone. My mother also stated that she should not be contacted since she never cosigned on the loan. The representative stated that my parents did cosign on the loans. That is not a true fact. My parents refused to cosign on these loans. I remember the discussion we had over 10 years ago. After that phone call, my mother decided to research the AES loans I had taken out from XXXX XXXX while in college. During her research, she read quite a few complaints regarding this company and how the loan balances never seem to change. I then realized that I have been paying about {$200.00} every month on these loans since I graduated college on XXXX XXXX, XXXX, over 8 years ago. I looked into my original balance and current balance. I took out XXXX loans from this company during college. The first loan was taken out on XXXX/XXXX/XXXX. The original balance was {$8500.00}, my current balance as of XXXX/XXXX/XXXX has gone up to {$8800.00}. An increase of {$250.00}. I have paid on this every month for 8 years and my balance has gone up. My second loan was given on XXXX/XXXX/XXXX. The original balance was {$2700.00} and my current balance as of XXXX/XXXX/XXXX is {$2600.00}. In 8 years my balance has gone down {$150.00}. The third and final loan was given on XXXX/XXXX/XXXX. The original balance was {$11000.00}. As of XXXX/XXXX/XXXX, my current balance is {$9200.00}. It has decreased {$1900.00} during my 8 years of payments. The fact that I have consistently paid on these student loans for 8 years, only to see that the interest rates have been raised so frequently that one loan has actually increased in balance is very discouraging. Personally, AES is only one of my student loan payments. I currently pay {$920.00} per on student loans, both federal and private loans. I graduated 8 years ago and I am trying to be a responsible citizen by paying my loans every month. At times, I have worked XXXX jobs to make sure all my bills were paid. Personally, I think it is an injustice the way that AES is constantly increasing the interest rates and also harassing my family members that have nothing to do with these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I wanted to check my credit score, so I logged in XXXX, which I thought was the only company that issues credit score for the companies give credit or denied. My surprise when I found that XXXX could n't give me my score, so how XXXX was able to issue a XXXX for them, XXXX from XXXX and XXXX from TransUnion?? Thus, I went to TransUnion since it was the lowest one, I have to pay and I was surprised to know they do not use fico the use " XXXX credit scoring formula ''. So how fair is this?? is now Transunion using his own credit scoring and charging for it, so XXXX and XXXX? this is not only not fair but abusive with the consumers. What can we do? to stop these reporting credit companies to do whatever they want to score us?

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 2016-03-07
Company: FCI Lender Services Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My family had experienced a hardship. My fiance became XXXX and shortly after I had lost my job. I proactively reached out to the bank because just in case I ran into any trouble paying my loan. The bank was XXXX. XXXX placed me on a forbearance plan. I did not know that this would impact my credit. They asked me to complete paperwork for a loan modification -but before it was finalized sold my loan to XXXX XXXX . XXXX had modified my loan but sold it to XXXX XXXX. XXXX XXXX would not honor the modification and told me it was done wrong. XXXX XXXX changed the modification and increased it by an additional {$500.00} and sold my loan to FCI Lenders, LLC -/XXXX . They sent me a letter informing me that I was late on my payments. I was never late on my modifications ever and decided to discontinue my escrow account asking me to pay the principle only for XX/XX/2016 and XX/XX/2016 - the representatives name was XXXX XXXX ( XXXX ) XXXX. I explained to XXXX that my loan should be in good standing and that they can not change the terms of my loan. I also provided him with a tax bill - Anthonly informed me that FCI Lenders was sitting or holding over {$8000.00} in an account when they discontinue my escrow. I forwarded the tax bill and they have not paid it yet. I was then transfered to XXXX XXXX ( XXXX ) XXXX, I asked them to honor my loan modification and XXXX is telling me that my house is upside down and I should find another lender to give me a loan. XXXX informed me that they will take {$230000.00} for my loan. I forwarded all the bank statements showing them I have not defaulted on any payments. They will not continue my escrow and do not honor my loan modification. Why are we asked to complete all these forms and the government has a program and the banks sell your loan and then put the responsibility to show payment on the borrower and want to remodify my loan or get a new loan. Help me please - I can be reached at XXXX my name is XXXX XXXX.

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 2015-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Chase has consistently reported a credit card account for me that is not mine. They have sent it to collections and received a judgment for the monies even though my repeated requests for them to send me a copy of the signed card agreement has not been met. I had XXXX signature loan with Chase back in 2007 which has been paid. I had no other accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Mobiloans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Mailed in a {$500.00} money order the tracking information shows the payment was received. 

I was told payments mailed in to the specific address would post when received. My payment has not been posted two workers hung up on me after I began to get irritated with them because my account did not reflect accurate notes because I was in two systems and my name was spelled incorrectly on my initial loan documents.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-15
Company: Lending Club Corp
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've sent requests of proof of this debt, contract information of who open account with no response. They have no contract or proof, lending club has been adding payments on this account as well, false reporting of account activity. 

Lending Club Date open : XX/XX/2014 Amount : {$15000.00} Past due : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I ordered tires for my car and I never received them. I filed a dispute on PayPal ( Case ID : XXXX ) and they denied my case because seller provided tracking number. The tracking number is XXXX. I checked with XXXX and they told me the tracking number wasn't addressed to me. Seller provided other person 's tracking number to manipulate the PayPal dispute. This seller is fraud and this needs to be addressed with law enforcement. XXXX tracking website shows item is 7 pounds. Tires should at least weigh 20 pounds. I can not believe PayPal is helping fraudster make money off of innocent people like this. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank 's " Total Checking '' - the most basic account, is terrible. They do not even offer free checks, at any time. Worst of all, if you want to go the next step up, " Premier Plus, '' you have to have either {$15000.00} or a Chase Mortgage ( unless you pay a {$25.00} a month service fee ). There is nothing in-between. Account types are here : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I was approved for a Bank of America credit card in XXXX of 2015. My credit card was compromised with fraudulent charges and I disputed these charges with Bank of America. They closed my account and conducted an investigation of these charges and after their review I was informed that the charges were deemed fraudulent and credits for these charges would be credited back to my account. The credits were added back to my account but my account remained closed. I contacted Bank of America about my account still being closed after the investigation was completed and now I have been informed that the credits for the fraudulent charges have been reversed. I have been dealing with this issue since XXXX and this issue is yet to be resolved. I have spoken to several different people from Bank of America concerning this matter and every person has different information and is telling me different things about the same problem. There seems to be little or no communication between departments within this company. This has been very frustrating and this account is currently damaging my credit report. I would like to have this account resolved and all negative information being reported corrected properly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There are over XXXX unauthorized inquires for credit cards, bank accounts and auto loans with someone unknown to me using my name to try and obtain lines of credit. I need help removing these many many credit inquiries off my credit file. 
XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ALL BANKS NON SPECIFIC-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX  XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX

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 2016-07-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
when XXXX took over my loan with chase, they charged me for taking over the loan, they have said they didnt, but here is the papers they sent me showing they had. i would attatch documentation showing such if website gave me the ability to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Westlake Services, LLC
State: WA
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:
I have inquiries on my credit report that I didnt authorize and never authorized for them to pull my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-01-19
Company: Navient Solutions, LLC.
State: CT
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:
Since XX/XX/XXXX I 've been autopaying {$63.00} on the XXXX-XXXX of every month to XXXX/navient. In XX/XX/XXXX the auto-pay abruptly stopped. When I contacted Navient about it they told me I had NEVER auto payed before and since I was late I needed to pay XX/XX/XXXX payment AND XXXX payment. They took {$120.00} from my bank account. The {$120.00} does n't equal the XXXX I was paying but that 's anther issue. They said the payment was for XX/XX/XXXX and XX/XX/XXXX. Then come XX/XX/XXXX I get charged again {$63.00} on XX/XX/XXXX. I have all the bank statements and my account payment history on the navient site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My XXXX, XXXX XXXX, applied to multiple different Credit cards in diffrent companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.

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 2017-03-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient has not been helpful at all in my repayment. I was laid off and now I work with a XXXX that has n't been able to pay me for 2 months. I no longer receive unemployment so it has been really hard. I spoke with a representative at Navient and the lady was so inconsiderate like she just focused on a script. I informed the lady that she woke me up and all she said was when can you make a payment. Then she informed me that if I do n't make a payment I will continue to get calls and will my co-signers. I informed the lady that my grandfather who was a co-signer passed away even before I graduated in 2010. She then asked me to provide the death certificate, I said really?! It was a shock being asked that. I wish the repayment was as helpful as XXXX. I was able to do repayment based on my income, without a struggle and irritating phone calls for my federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: U.S. BANCORP
State: WA
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:
I have inquiries on my credit report that I didnt authorize and never authorized for them to pull my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
No assistance has been offered to avoid foreclosure during this COVID pandemic. 
I received a notice of foreclosure dated XX/XX/2021 from their attorney on XX/XX/2021. I contacted the attorney to verify debt and they will send out information to confirm debt. I then contacted the Company on XX/XX/XXXX via email, they responded to my email requesting on XX/XX/2021, my phone number. I sent the information on XX/XX/XXXX and I have not heard anything from mortgage company. On XX/XX/2021, I spoke to someone from the company 's collection department and she stated she would call me back to see if payment arrangements would be acceptable. As of this date, I have not heard from the company 's collection or loss mitigation departments to assist me in avoiding foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On or around XXXX XXXX, my XXXX XXXX was taken over by Navient & my due date was changed with no notice. I began paying my student loans monthly through Navient ( I have never missed a payment since I started paying approximately the XX/XX/XXXX ). Although making payments in a timely manner, I noticed it continuously said late & they were charging me late fees. I did call & spoke to a customer service representative who confirmed I was making my payments. Around XXXX XXXX I submitted a payment ; however, my account said delinquent. When I called they were extremely rude and explained I had been overpaying on XXXX loan and failed to pay on the XXXX loan. I had originally consolidated my XXXX with my private loan through XXXX XXXX so supposedly they had put my payment towards XXXX and not the other. My credit score had subsequently dropped in 2-3 months from an XXXX to around a XXXX with a delinquency on my credit report. I have been working hard to raise my credit score since and according to my credit report I range anywhere between a XXXX and XXXX now. I had made numerous complaints through Navient and was told by their customer service reps : " too bad. '' Since then, I have consolidated my federal loan through XXXX to receive loan forgiveness as a government worker and also to get XXXX loan out from under Navient ; however, my private loan is still through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020 I was to receive a refund in the amount of {$200.00} to my credit card following a car rental with XXXX but because my credit card was cancelled by Bank of America due to my card being compromised the refund never made it back into my account. Bank of America then pulled the amount from the vendor returning it to me stemming an investigation. XXXX turned in incorrect documentation stating that a refund was issued in the amount of {$200.00}. I then submitted documentation that the refund of {$200.00} that was issued by XXXX was for a prior rental. I have sent in several supporting documents to prove that I am entitled to a refund of {$200.00}. Yet both XXXX and Bank of America has yet to make good on returning my refund amount of {$200.00} and other fees accrued from this and have stated that they will no longer be investigating the issue.

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 2021-03-16
Company: Westlake Services, LLC
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:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX, XXXX XXXX XXXX ( f ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( a ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( b )

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is a bankruptcy on my credit report. I asked for verification thru certified mail so I can get a description of the procedure used to verify the info. I called and all 3 bureaus stated it was verified thru XXXX. That is not possible because my XXXX is frozen. All 3 bueraus lied.

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 2015-10-19
Company: Ocwen Financial Corporation
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ocwen loan servicing llc reports a payment in XX/XX/2015 as 30 days late.i paid the mortgage on XXXX/XXXX/2015. ocwen did not apply the mortgage to my account. I requested a correction and ocwen denied it. ocwen increased the escrow amount in XX/XX/2015 without me receiving any notice. I sent in the amount I always sent and they did not apply my payment making it 30 days late. I ask CFPB to have ocwen to correct my credit reports to show I did make a timely payment.

Company response to consumer: Closed with explanation