BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-07
Company: U.S. BANCORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This may be hard to follow at first glance. I have my auto loan through US Bank. I was double charged in XXXX 2016. I immediately called US Bank and asked what they were going to do to fix it. The guy said I need to go to my bank and do a stop payment on one of the charges. I did this and stopped one and allowed the other that was supposed to go through, to go through. It went through, but a few days later US Bank reimbursed me. I did not need to be reimbursed since I already stopped the bad payment. I called back a few days later explaining this to customer service, and the guy said to me that I am all up to date and everything looks good on their end and that I should n't make another payment. So, I did n't. Now all of a sudden in XX/XX/XXXX I start getting calls that I 've been dinged for late fees since XX/XX/XXXX. What happened was, they charged me twice, I stopped one, and then they reimbursed me for the other by mistake. Then when I explained this to them they did n't allow me to make a payment correcting it, because it had n't shown up in their system yet. So, I do owe a XX/XX/XXXX payment now because of their mistake. However, I should not be responsible for the late fees they have charged, because I HAVE N'T BEEN LATE! It was their mistake. I am on autopay, so when the XX/XX/XXXX payment rolled around it kicked it back to XX/XX/XXXX, then XX/XX/XXXX back to XX/XX/XXXX and so on. I have talked with countless people in their company and none of them ever get this problem fixed. The last person I talked to told me he saw in his notes where all of this happened and that the late fees will be taken away. Last Wednesday XXXX XXXX I told him I would make an extra payment to make up for XX/XX/XXXX and then on XXXX XXXX my autopay should be back on track, but I will not pay any late fees. He said this would be the best thing to do and that it should fix the problem and I wo n't have any late fees accessed. However, I checked my bank account this morning and only one payment came out instead of both, and this payment had {$59.00} in late fees. I ca n't tell you how many hours I 've been on the phone or how many people in this company I have dealt with but it 's ridiculous. I even sent in my bank records to their dispute department showing that I paid on time in XX/XX/XXXX and they only called back once while I was at work, left a voicemail that showed they clearly did n't understand this isssue, and did n't even leave a call back number. Please help me resolve this issue with this terrible company! If this continues much longer, it will come to the point that their system will show me over 30 days and will report me to the credit agency and I have never been late! If my credit score gets dinged for their mistake I will be contacting a lawyer!

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 2021-09-06
Company: JPMORGAN CHASE & CO.
State: MI
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:
sent chase some messages about account related issues. refuses to correct and has been in the process of prematurely closing cases out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: DE
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:
Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to Experian Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiries : XXXX  Date of Inquiry XX/XX/2021

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 2021-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had gift card with Sacks Fifth Avenue, balance from card was stolen by someone, supposedly someone purchase some jewellery item and shipped to State or FL and multiple requests to a company to clarify was no avail. Company provided contradictory info and never provided to where funds or items were shipped, to whom, and I was recycled for 2 years. 

Company scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Reverse Mortgage Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Dad got a reverse mortgage with XXXX XX/XX/XXXX. About a year or so later, XXXX went out of business and now XXXX XXXX XXXX was in charge and hired Reverse Mortgage Solutions as the servicer. My dad passed XX/XX/XXXX. I thought I would be able to purchase the home within a year due to a business deal I was involved with with my cousin but he fell ill and the project went on hold indefinitely. Then the company I worked for went out of business. XX/XX/XXXX received notice that the company foreclosed saying I defaulted by not appearing in court to answer. I was never served a summons to my knowledge and they have lied about how and who was served and have never been forced to prove service in a traverse hearing which I requested of the Supreme court. They never offered the house to me or my siblings at XXXX % of value, but instead after only 2 years since the inception of the reverse mortgage, were asking back over triple what they paid my dad, adding their own legal and other fees to the total. I filed a bankruptcy to stay the sale. Due to errors in filing pro-se, the bankruptcy was dismissed. During that time XXXX XXXX XXXX went out of business. I heard nothing on the case for 6 months, then I get a letter from Reverse Mortgages Solutions ( RMS ) the servicer, staying they are auctioning my house on XXXX XXXX, XXXX. I filed a Chapt XXXX bankruptcy with a lawyer who failed to get the stay which is nonsense since the stay is automatic. They auctioned it and bought it themselves. To summarize, they have attempted to evict me 3 times. Once I delayed it by fling a pro-se order to show cause but the judge did not even address that I was not properly served and my accusation that chain of title has been broken. They keep getting a free pass, no traverse hearing, no burden of proof of title. I believe fraud has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: SYNCHRONY FINANCIAL
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account with Banana republic is paid completely and closed XX/XX/XXXX. As a matter of fact, they sent me a check back for overpaid owed money {$600.00}. Yet some how the account was reported as charged off XX/XX/XXXX, despite that it is been paid and closed XX/XX/XXXX The account has been sold to XXXX different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and Banana Republic but got no where. I am attaching all document for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am writing in regards to Navient Private Student loan company. In 2013 My husband and I filed XXXX XXXX bankruptcy and included Navient formally known as Sallie Mae in to my list of creditors. This company has been aggressively contacting me after my bankruptcy discharge trying to collect payment. I did not voluntarily make payments. 

At the initial meeting of creditors Navient formally Sallie Mae never showed up at court to make a claim. At the meeting of creditors Navient would have been able to make any claims for payment to them. Navient Instead waited till the end of our bankruptcy to collect the principal plus interest during the entire time of my bankruptcy. 

After been harassed several times by Navient we agreed to pay them because of the undue stress they were putting on myself and my family. After my bankruptcy was discharged, I initially told Navient that I didnt owe them any more money because it was discharged in our XXXX XXXX XXXXankruptcy as being a non-qualifying student loan. I verified this information from the college I attended to. Navient did not give us a Private qualifying student loan. After the bankruptcy discharge Navient repeated to call me and my husband and sent me letters colleting payment. I was told that I must make payments and my student loans cant be discharged and they would report me late to the credit bureaus if I didnt send in a payment. After going through the bankruptcy process, I was in fear of them reporting me to the credit bureau late and messing up my credit. 


At this time, I have records of my bankruptcy and a record of every qualifying student loan that I received during the time enrolled at XXXX during my enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: WATERMARK CAPITAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint against XXXX and you closed it based on their response. I dont accept this because they havent addressed the actual problem. Theyre trying to get away with not taking care of it. My loan is with XXXX and they have XXXX taking care of payments for them. XXXX is ultimately responsible for my problem. XXXX says theyre not responsible for my payments to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. My payments are not made to or by XXXX for my loan. They come directly out of my bank account. When someone reports you delinquent as theyve done through XXXX, it goes on your credit report. This then goes to all the companies, Credit Card, Credit Reporting Agencies etc. This is a general problem that has to do with my entire rating and image of me being a bad debtor and its a very serious problem for me. I reported this problem to the XXXX and XXXX didnt replay until I filed XXXX complaints. I just received their response and they say theyre looking into it and will get back to me. Now theyre saying theyre not responsible. Which one is it? Of course theyre responsible and I dont accept the fact that theyre making excuses to you to get out of their responsibility. Im asking you to pls. look into this and investigate because againthis is a very serious matter and theyve hurt me in a monumental way. Their response is so flippant and condescending. Theyre basically mocking me which hurts me even more. I would appreciate it if you can please ask them for any evidence that would prove theyre in the wrong, lying and trying to take responsibility. Thats whats happening and Im paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Bepensa Capital, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is an on-going issue with this company. I feel as though I am a victim of predatory lending. I have a DSI loan, where interest accumulates daily. I send extra funds in with my payment to reduce my balance so that I pay less interest over the term of the loan. This company never applies the extra money towards interest although my payments are current and often paid early. I called on XX/XX/XXXX and asked that the extra {$81.00} that was being held be applied to my principal balance. They stated that they would put in a ticket to accounting to have it applied. I got my next statement on XX/XX/XXXX. The {$81.00} was still unapplied and the extra that I paid on XX/XX/XXXX was also not applied leaving me an unapplied balance of {$110.00}. I called again on XX/XX/XXXX to ask why funds were not applied to principal, again, he stated that he would put in a ticket and give them XXXX hours. I called back today to check my balance and this is still unchanged. This company is ripping people off and collecting more interest than they should. I feel helpless, I can only call and take their word for what they promise and they never follow through. This is my second time reporting this company to the CFPB for the same issue. They need to be audited and investigated. This is definitely predatory lending. I have attached the statement that shows the monies not applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: URS Holding, LLC
State: CA
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:
ERS took charge of my XXXX loan from XXXX in XXXX. XXXX refused me a deferment even though I was entered into XXXX. All my other student loans have been in deferment. ERS did not make any attempts to collect the debt for over two years, while I was XXXX. They had my permanent address, nothing was sent. After returning in XXXX, I have tried to get some transcripts from XXXX to enter a teacher education program. In the process I learned about ERS and have contacted them multiple times for information. They were unable to tell me when they acquired my debt. Today, on XXXX XXXX XXXX, and I was told that my account was opened with them in XXXX of this year. The school refuses to speak with me about the loan and ERS is giving me misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am appalled of the way US Bank has handled my loan. I have tried to work directly with my specialist however, US Bank has only sent me letters stating they will have a decision soon but nothing is getting done. US Bank is prolonging my case and not providing me my settlement. I am livid because I have wired over {$200000.00} to US Bank and they still want more money. I do not have any additional funds available I gave US Bank all the money my husband received from a severance package of {$20000.00}. I wired all the funds to US Bank and they did not give me any credit until I started to complain. I need my settlement as I was told through a recorded call. I do not want to involve any attorneys therefore, I hope US Bank can pull the recorded calls because is not fair that I gave them all the money me husband received. To make matters worse I was not able to use any of the funds to pay my husbands hospital bills ; this is really devastating.

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 2015-05-05
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current servicer is charging high fees to make mortgage within the grace period and the more days passed within the XXXX days grace period the more the fees are. Why have a grace period when you tacking on fees to take the payment and these are not late fees. 
They are not sending me my monthly mortgage statements and I do not have access to them online as they locked out my and many other accounts. I have not seen my monthly mortgage statement in months and have send emails requesting this and no one has gotten back to me. This is a big violation. 
I made my most recent trial payment since XXXX XXXX that was mailed directly out of my bank account and they can not seems to locate it. 
So no mortgage statement, no confirmation of payments and fees being charged for making payments within the grace period

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I was diagnosed with XXXX and XXXX  XXXX in late XXXX.Capital one Bank/ Kohls card began calling when payment was a few days past due. I told reps repletely that hospitalized with XXXX and needed assistance. Despite telling them they never enrolled me in program like other credit cards and continued to charge me late fees and lowered my credit limit and ultimately closed my account causing my score to plummet. They also froze my online access preventing me to be able to pay online with the assistance of my wife. They would call my cell phone constantly via robo calling and when my wife would answer they would not allow her to speak with them without my authorization but I was unable due to being on oxygen. Once released and in better health in XXXX I called to rectify and make payment. They were unwilling to acknowledge their incompetency and would not remove fees or higher interest charges from not enrolling in program when requested early in my illness. CapitalOne/ Kohls has destroyed my credit score and closed my credit card with a remaining balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: CL Holdings LLC
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:
Collector advises account was opened XXXX i have no knowledge of the agency nor did i open an account with them- XXXX  has no record of debit owed- XX/XX/17 XXXX made an escalation of this account due to poor celluar service- XXXX operator # XXXX that advised that no further action would need to be taken on our part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The list of inquiries and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiries listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX & XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2017-02-13
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notice from the credit bureau informing me that a new collection was placed on my account. I have a credit freeze and fraud alert placed only account because of identity theft. In this case there is a collection of {$100.00} dollars that is not mine placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE A FORECLOSURE SALE SCHEDULED FOR XXXX/XXXX/2015. I HAVE APPLIED FOR MORTGAGE ASSISTANCE, BUT BECAUSE OF SLOPPY AND INCOMPETENT PROCESSING OF MY REQUEST FOR ASSISTANCE I WAS DENIED. I DISCLOSED ALL MY INCOME INCLUDING RENTAL INCOME AND TRUST INCOME. THE RENTAL AND TRUST INCOME WAS NOT CONSIDERED IN THE UNDERWRITING DECISION. THIS INCOME WAS IGNORED AND I WAS DENIED. I WAS TOLD THAT DESPITE THE FACT THAT I FULLY DISCLOSED ALL MY INCOME I WOULD NEED TO RE-APPLY FOR THEM TO CONSIDER ALL MY INCOME WHICH WOULD INCLUDE THE RENTAL AND TRUST INCOME. IN ADDITION, I HAVE NOT RECEIVED A WRITTEN DECISION NOR HAVE I BEEN PROVIDED A 30 DAY APPEAL PERIOD. INSTEAD, I HAVE BEEN GIVE A FORECLOSURE SALE DATE. MY SERVICER, RESIDENTIAL CREDIT SOLUTIONS, PREFERS TO PROFIT BY ANY AND ALL MEANS - EVEN IF IT MEANS TRAMPLING ON THE RIGHTS OF HOMEOWNERS AND VIOLATING THE LAWS.

Company response to consumer: Closed with explanation