BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: NATIONWIDE ACCEPTANCE LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was called and asked to pay a minimum payment of  XXXX  by a certain date and i Payed that amount the person i talked to said that my next payment was due on  XXXX   XXXX  of  XXXX  I re ceived a phone call that next Monday stating that if I did n't pay  XXXX  by a certain date that the vehicle would be repoed I feel that i was miss informed.

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 2022-05-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been making payment, but my loan keep increasing. So, on XX/XX/XXXX I went to the Navient website to review my private loan history to find out why my loan keep increasing, I only had a {$17000.00} loan. When I opened my account, I started from the year I took the loan. When I look down on XX/XX/XXXX which was the date I took the loan, I saw a {$48000.00} unpaid Principal added to my principal ( {$17000.00} ). I called Navient on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ), I explained the reason why Am calling. I told XXXX to a look at my loan history and focused on XX/XX/XXXX. I asked her to explain to me why there's a {$48000.00} unpaid principal added into my {$17000.00} loan principal, she replied I don't know. She requested to send my complaint to the complaint department, I ask to speak to the department. She informed me that I can not speak to them because they do not take calls, so I agree to send my complaint to them. on XX/XX/XXXX I called Navient to check the status of the complaint, I spoke to XXXX ( ID # XXXX ). I informed XXXX the reason why am calling, He pulled up my account and informed me that he can not find my complaint and can not see what I'm talking about. He put me on hold for about XXXX minutes. when XXXX came back, he informed me about a letter that send out to me. I asked him what in the letter, XXXX informed me that the letter stating that the information 's in my account on the Navient website are not accurate. I ask him what he means by that. He repeated it again, the information 's in my account on the Navient website are not accurate. I ask him if all my payment showing on the Navient website are accurate. He didn't answer me. I ask XXXX where the {$48000.00} came from, Again XXXX repeat the same information from the letter that the information 's in my account on the Navient website are not accurate. I ask XXXX to resubmit my complaint because I want to find out Where the {$48000.00} came from. XXXX informed me that he will resubmit the complaint. After a week speaking to XXXX, I receive the letter. When I review the letter, it seems like someone manually pushing some numbers to make information looks good. After about two weeks I called Navient again, no one seems to know what I'm talking about. No one can find my complaint and no record about the {$48000.00}. They keep telling me that the information 's in my account on the Navient website are not accurate. I went back to Navient website, I see everything has been changed with no explanation about the {$48000.00} and my balance still the same. Please I need help and any law advise. I attach all documents with the loan information, the letter and the correction they made. The first document is with {$48000.00}, second is the letter and last is the correction they claim that they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
TFC bank closed my bank account without any written or verbal communication. The woukd briefly give me a quick reason why they did and they did give me the remaining portion that was in my account but they closed it no warning. Now i have a new account made by the same bank that I have no idea about. I didnt open the account I dont know the account number or who could even do this. I don't know who to turn to to get some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been and currently a XXXX customer. They have informed me that I do not owe the XXXX dollars that is on my credit report. I want it taken off my credit report unless someone can provide the necessary papers to show I owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have received several phone calls from XXXX. Finally after multiple calls I answered it. To keep it short when I started asking questions regarding the debt, and inquiring who the original creditor was, I was met with refusal to give me the information. I was then threatened with legal charges that could " result '' in me being arrested. I was then transferred to a XXXX XXXX, at that point I was finished discussing as it was getting no where. I asked for information to forward my written statement requesting any further contact be through the mail, XXXX XXXX would basically not allow me to speak and ask questions I was told the following. 
1. I needed to grow up and pay my bills and that not to waste my time sending such a document as they were going to file suit immediately and that he makes more money in an hour than I do in a year so that meant he did not have to explain anything to me. 
2. When I tried to again inquire about the original creditor he gave me information but then called me a laundry list of inappropriate names such as a XXXX and a " worthless piece of trash '' I will admit at that point I said a few choice things, but when backed into a corner you tend to react. 
3. He kept hanging up on me simply because I wanted to dispute the amount being asked for as I know I do not owe that much, hence asking for the original creditors information. 
4. I called back several times and was told not to call again or he was going to file harassment charges on me. 
The last time I checked I have a right to question any debt I am said to owe, I also have the right to be treated fairly and with respect. I was not aware that a collection agency was allowed to speak to their customers in such a manner to degrade them in order to attempt to collect a debt. I would have recorded the conversation but I know the laws in Florida do not allow it without the consent of the other party and I knew they were n't going to consent to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, Trans Union, XXXX, and XXXX. The information also shows up on my profile in two of the credit monitoring servicesXXXX XXXX XXXX  and 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 2016-08-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had no intention of going to College and feel like I was forced into taking out loans by the recruitment staff at XXXX. I did n't know at the time that the amount of the loans was so much more than other colleges. While attending, I started to realize that I had made a mistake by going there and realized that most of the staff was underqualified. By the time I decided that I wanted to leave, I already owed around $ XXXX and I was n't even going to get a degree if I decided to finish. They were only offering a certificate of completion at the time. This did n't seem fair to me and now my loans are all defaulted and I have no intention of paying them. I feel like I 'm not the only one in this boat and I need help trying to get this resolved. These people really took advantage of me and they are still doing this to people. I had no intention of going to college, so I had n't done any shopping around. They got their hooks in me and before I knew it I was out $ XXXX with nothing to show for it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2015 I received Notice of Acceleration and Forclosure from XXXX XXXX, XXXX on behalf of Select Portfolio Servicing.On XX/XX/2015 I responded with A Validation of Debt letter.A notarized copy of the Validation of Debt letter was faxed to XXXX XXXX, XXXX, XXXX number XXXX certified copy was also mailed to SPS and XXXX XXXX XXXX XXXX. On XXXX XXXX i received a certified letter from XXXX XXXX, XXXX stating that no documentation in regards to my request would be provided. Because I did not respond within the FDCPA 30 day time frame. This is clearly untrue. I have attached the Notice of Sale dated XX/XX/2015, Notarized Notice Of Validation of Debt dated XX/XX/2015.which was faxed and sent certified mail to XXXX XXXX , XXXX and Select Portfolio Servicing. 
FDCPA states : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX Select Portfolio Servicing , Inc purchased my mortgage from XXXX / XXXX, originally written in XX/XX/XXXX. My mortgage was written with an option to eliminate PMI insurance with a 90 % LTV and certain other requirements. For over 2 years SPS has refused to honor my PMI rider, investigate my claim, failed to respond to QWR 's and insists they only accept an 80 % LTV based on a current appraisal. I 've not paid for their appraisal until they honor my contract as written. SPS is in possession of all supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
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: Was not notified of investigation status or results

Complaint:
On XXXX, I 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 ) plainly stats that a failure to investigate these items within 30 days 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 that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please see attached pdf copies of five ( 5 ) pending QWR requests sent earlier to JP Morgan Chase. 

These were sent XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX ( see attached ). 

JP Morgan Chase is required to make reasonable efforts to satisfy these QWR Requests, including retrieving the same from computers, backups, archives, phone records & transcripts. 

With respect to QWR items that are required by me, they have claim that they do not exist but have not made any effort to retrieve them. XXXX replies from JP Morgan Chase dated XXXX/XXXX/XXXX ( Case number : XXXX ) and XXXX/XXXX/XXXX ( Case number : XXXX ). 

I have n't requested for duplicate information via these 5 QWR requests. Yet JP Morgan Chase has partially satisfied some request without stating a full reason as to why other items were not sent to me or why these QWR items can not be retrieved from backups or recreated to satisfy these QWR requests. 

This amounts to concealing information contained in my loan file. 

I am entitled to receive complete information requested, because JP Morgan has committed an error on my loan and abused the TARP programs ( see Case number : XXXX ). 
Most importantly I require : a ) Complete Contact History b ) Complete Communications History. 
c ) Proof of ownership of my Mortgage Note d ) Complete Phone conversation transcripts/Notes See attached 5 QWR requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
They advertise XXXX  XXXX XXXX BUT it is axteap because they force you to sign one up for service to get the score and make you call to cancel. Misrepresentation- the '' rest of the story '' let the seeker beware.

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 2015-10-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed negative accounts on my credit report more than XXXX time. Equifax has sent me investigation results with contradicting results. Some reports have accounts that are not on previous reports but dated earlier than some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA XX/XX/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 2015-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
One of my accounts ( XXXX ) is not showing on my Equifax credit file. I spoke with several XXXX agents in their credit reporting department and they assured me that they are sending the same information to all 3 credit bureaus. My account is showing on XXXX but not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
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:
XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting incorrect information to Exprian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX reported to the Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone number, and names corrected on my report this is a violation of my consumer protection rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: BB&T CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Can't contact lender

Complaint:
Line of credit loan. Will not or can not send invoice. When I contact bank they all tell me different reasons. If I do not remember and do not send loan payment in time they will charge me. Some months I get invoice some I do not. Blame it on recent merger with B B & T Bank. Happened before the merger also. Tired of calling. They need to be responsible enough to send invoice and not make me call each month. They also tell me different places to send it. Also not very pleasant when I call either. Please do something. Tired of banks doing what ever they want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Upstart Holdings, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
When I applied for my loan, my monthly payment was to be {$68.00}. My payments haven been taken out every two weeks so I have have been paying twice that. 

I didn't realize until a few months of paying that Upstart had been debiting my account twice a month instead of monthly. I pulled up an old email just to ensure I was not mistaken and it clearly says my " monthly payment of {$68.00} is due on the XXXX ''. 

Lastly, my account center now says that my monthly payment is {$130.00}, which is not correct. The only conclusion I can make is that my payment arrangement that I originally agreed to was doubled without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My grandma has an account at rbfcu and made an acct for me there but refuses to give me my card or information for the account she made without my permission. I only know she made an acct in my name because she had given me my account number at one point in time and told me it was in my name but I can't find my account number anymore so I think they'd be able to go by my name? XXXX XXXX XXXX, dob-XXXX, also I have a trust there as well that she says I have no access to but I've seen paperwork on this inheritance account as well. What are my rights to this and am I able to get my account info and card if the account still does exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Euqifax shows my mortgage with XXXX as being resolved/included in bankruptcy : it was not ; is still current today with 3 plus years of perfect payment history. Also, had XXXX other small loans successfully through XXXX in last 3 years that are not on the report. Also shows XXXX XXXX credit card account as being resolved in bankruptcy. It was not, and along with another XXXX XXXX credit card, and XXXX other credit cards, are not listed with their perfect payment on-time history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agenvy over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation