BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've contacted this company. 
I sent out a debt validation letter and they will not respond to me it has been pass 30 days with no response. I'm very upset about this. 
I also this account as opened in 2014, statute of limitations is 7 years before you go reporting inaccurate information on someone's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Originally took out a private student loan in XX/XX/XXXX/XX/XX/XXXX in order to be able to finish college for about $ XXXX. It 's now 10 years later and I still owe over $ XXXX. I 've never made a single late payment, always pay above the minimum payment needed. It 's supposed to be a XXXXmonth loan and there 's no way it will be paid off in 14.5 years! I believe AES has been committing fraud and trapped a young naive XXXX year old student eager to go to college. Each month it appears they never apply the extra amount to principle balance, but instead use it towards future payments meaning that I 'm always paying interest on a higher principle balance than if they had applied the excess payments to principle balance. Each month the amount applied to principle balance and interest balance is HUGELY different each and every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a problem with Chase.I submitted my complaint before that our mortgage monthly payment is about {$2700.00} and changed. Our interest has been 8.25 since with refinance by chase. We were told that after refinance mortgage our interest will be reduce after two years but that never happened. We almost lost our house about 3 years ago, but we did get help from homes saver. Despite that our home mortgage payment still high requested for payment reduction chase refused to help. Now we are 4 months behind we called chase submitted paper work we are still waiting no answer from Chase. I am still on unemployment list. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I accidently sent a {$1000.00}. payment to Chase - XXXX that was suppose to go to XXXX. At that time there was a XXXX balance on my acct. I called and spoke to someone on XX/XX/XXXX and they gave me grief about getting back the payment and said it would take XXXX days. I called on XX/XX/XXXX to check status if it being sent out and was told they sent out only {$930.00} of the {$1000.00}. over payment since there were XXXX small charges to the account on XX/XX/XXXX. My statement does not come out till the XXXX of each month, so I had n't even received my statement for Chase for the coming month. They have refused to send me my full balance of the {$1000.00}. that was accidently sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: CA
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:
There are 4 accounts on my credit report and some inquiries which do not belong to me I need these off my credit since they are not mine I have not applied for these or used any of these!!!!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX SERVICES Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX the XXXX of 2017, I was contacted by southwest credit systems regarding a debt the XXXX XXXX XXXX claims I owe them but as I have stated in previous claims, I do not owe because XXXX XXXX XXXX broke FTC law by making promises that caused me to make decisions that they refused to honor and they are violating the FTC law by trying to collect on this debt before the FTC has even finished their investigation. I will say to this company as I have said to the previous, this matter is being prepared to go to court if need be, since they refused to honor their own employees guaranties more than once, XXXX XXXX XXXX broke this contract and if anyone owes anyone money, they owe me for the termination and the time I am having to take to deal with this issue. This matter has gotten so far out of hand that I have even had to contact my senator, The Honorable XXXX XXXX in hopes of resolving this matter. This letter will service as an official Cease and Desist letter and any more attempts by this company to collect this debt, written, call, credit reporting, or any attempt not mentioned will result in legal action. I have made an attempt through the FTC to talk to XXXX XXXX XXXX as long as I could record the call and have a witness present and to this day they have refused, they have refused my offer of recorded third party mediation as well. I offered both of these as well as filing complaints with the FTC, FCC, Senator XXXX XXXX XXXXs office as well as the Consumer Financial Protection Bureau and all the company has done is send collection companies after me. This should be illegal and as I mentioned, Southwest Credit Systems choose to be in the debt collection business, it is not my fault that the companies they deal with do not provide them with full information of a case. Any communication other than one saying that they will be closing the account will be responded to by both of my lawyers and I will not be paying their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: NC
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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: MARINER FINANCE, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a company ( Mariner Finance ) that is continually doing hard credit inquiries with out permission every month. I received a loan from the over 2 years ago and acct has been closed but they continues to do inquiries every month, and that is showing on my credit report. I spoke to XXXX rep and was adv to file a complaint because other than the one time I have never given them permission again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loans were transferred to Navient a few years ago and I have had 4 or 5 different payments every year-my interest rates are at 7.25 % and when I question them they say it 's because my credit is not so good-yet I know my credit and the scores are in the XXXX-XXXX ranges. I have been told by several people that Navient has done this to them too and it 's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted back in XXXX/XXXX/XXXX I received a call from the national credit services collection agency and they stated I had a balance of {$2100.00} from XXXX XXXX apartments and would I be able to make a full payment today? I told them I was a college student who was locked out of my apartment before even going to court to complete the full eviction process and I was disputing the charge. He stated at that time the full amount would hit my credit. I never received any further calls from that moment on until XXXX back two years later and asked if I could set up a payment arrangement they said no the full amount is due. After that I called again in XXXX XXXX and spoke with XXXX and she stated she would be offer a settlement of {$1300.00} but that would need to be paid within the same month. I agreed and told her I would call beck the end of XXXX to make payment. It is now the end of XXXX and I called and XXXX was very rude to me and stated I could no longer make the payment they have been calling and sending out letters for a settlement which I NEVER recieved. So now she stated they would send off the settlement request which has no time frame of when they would get back to me with the settlement amount it could take weeks or months or they may never get back in contact with me for a settlement. I told her I wanted to speak with her supervisor which her name is XXXX and she stated I should call back on Tuesday because she would submit the request for me but when I called back Tuesday she was at lunch and I spoke again to XXXX who stated no update for a settlement has been made and she stated they may never respond for the settlement to be made but I told her again you offered me a settlement before so you are not offering me what we agreed on and she stated I should go ahead and pay the full amount which is unfair and not ethical by any means. I just want to get this taken care of today but they are not willing to help at all and they are not professional.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been experiencing problems with Wells Fargo Bank N.A . 
First problem : Wells Fargo Allowed a change to my bank account personal information at the request of an identity thief after I had submitted a 7 year extended fraud alert on my credit profile with the credit reporting bureaus. Wells Fargo should have contacted me personally with the contact information on my bank account profile in their computer before they changed my personal information. Wells Fargo changed my drivers license number and state of issuance, my country of origin, and my home address to those of the identity thief. I have proof of this because a Wells Fargo Banker at a local branch office in my hometown showed me on the banks computer that my information had been altered. He also gave me a printed copy of the changes that had been made. I closed the account since Wells Fargo did n't keep my bank account safe. 
The second problem I have had with Wells Fargo is that they have denied me access to online access to the Wells Fargo credit card I have with them. Wells Fargo sent me a letter saying they restricted my online access due to my identity theft issues. I have tried to contact them many times by phone to resolve the problem but I have waited up to 30 minutes on hold with their fraud department and often get disconnected. 
The third problem I have had with Wells Fargo is with their credit card processing service called XXXX. I have a business and needed to have a mobile credit card terminal to be able to accept my customers credit card payments so I purchased a mobile credit card swiper from XXXX and then signed up for a merchant account with XXXX. My business is legally registered as an XXXX in the state of Texas and I have documents and an employer identification number and a taxpayer number that I included in my application for a XXXX merchant account. I was sent an email saying I had been denied service due to credit report information from XXXX. I checked my XXXX credit report and found no negative information on it. I believe Wells Fargo is denying me the XXXX service simply because I have a 7 year extended fraud alert on my credit report. Instead of calling me personally to resolve these issues involving Identity Theft they continue to give me problems with every service I have, used to have, or want to have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/XXXX, I received a XXXX notice from the IRS. After contacting the IRS, I was told Wells Fargo Bank had submitted to them a cancellation debt income conversion based on a Home Equity Loan taken out for home improvements under acct # XXXX in the amount of {$6300.00}. In additional, the XXXX XXXX XXXX XXXX also reported XXXX accounts to the IRS same notice for {$490.00} and {$49.00}. I do n't have an open account at either XXXX of these financial institutions. In terms of the XXXX XXXX XXXX XXXX, my accounts have been closed since XX/XX/XXXX. In addition, there was a law suit filed naming them as a plaintiff under cause no. XXXX and all issues were resolved. In terms of the alleged home equity loan, this was suppose to have occurred on XX/XX/XXXX and reported to the IRS on XX/XX/XXXX. Unfortunately, this is the XXXX complaint being filed against Wells Fargo bank and also XXXX XXXX ( within your data base ). I contacted Wells Fargo bank, supervisor and she indicated after retrieving the file that the address on the account was different from my current address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX also provided a different account number XXXX. I explained to XXXX XXXX that I never applied for a loan equity loan via Wells Fargo and I viewed all of these accounts as identified theft and fraud. She referred me to the their fraud division. Within the last three months, I have filed complaints against Wells Fargo bank, XXXX XXXX, and now Wells Fargo bank again. Please investigate what laws have been broken to allow Wells Fargo Bank to fraudulently falsify documents and forward them to the IRS without forwarding to me a Form XXXX, but how was that possible if the address on the home equity loan is different from where I live. It would seem that someone between Wells Fargo and the IRS would have checked the address before assuming that I have XXXX residents since they both have my accounts and my same address ( XXXX XXXX XXXX XXXX ). This incident is a continuation of the identify theft, fraud, and the bank allowing third parties access to customers banking information and accounts. Please investigate and enforce applicable banking laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
I 'm a long time highly qualified Wellsfargo customer came from Wachovia and in the last month chose to participate in an application for a credit card at a local branch here with a XXXX XXXX XXXX. 
I was informed that I was declined for the credit card despite my XXXX credit score and very healthy balance at your bank that made little sense. I was told to await a response for the decline and explanation and I did as instructed as the explanation for the decline was vague- I did n't honor a commitment as agreed upon in the last 2 years so I had been working w the branch assistant mgr XXXX XXXX who informed me of a loan modification or short sale purchase a negative inquiry on my credit report pulled by experian. I actually called all beureaus knowing that was a mistake and I have a copy of each of my XXXX-XXXX page credit reports on hand and documented conversations with the bureaus informing them of wellsfargo decision to decline me for a credit card where I had them cross reference my reports in case I was illiterate as there was nothing of the sort to indicate any commitment I 've ever made and not paid, nor any modification but further no documented negative record from XXXX nor XXXX all of which I have on record. I 've called Wells Fargo customer service who insist that 's not what they see, the bureaus do n't lie and I find this to be highly offensive but still I have patiently worked w XXXX XXXX whose instructed me that he 's escalated the manner as theirs zero evidence to support the contentions behind the decision to decline my credit.. Both bureaus have instructed me to have this investigated and that is now what I fully intend on doing as I 've given ample opportunity for Wells imaginary bureau with such contentions to resolve that error but instead I 'm further ignored burdened with coming into the branch w my documents of proof. I have mine and the burden is on Wells now as I 'll make it a personal mission to proceed with the mishandling and continued disregard of error and lack of ownership and report this to any and all governing institutions to create awareness.. Again I have both my discussions w the bureau and ur staff member on record.. 

FYI- complaints and investigations forthcoming at this point just for starters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Addendum to Case number : XXXX. In the documents forwarded to me by XXXX, on XXXX XXXX, XXXX, Bank of America states I received documentation the servicing transfer was mailed to me on or about XXXX XXXX, XXXX. I have attached documentation from the Department of Veterans Affairs, along with a copy of my drivers license, proving my address at the time the notice was allegedly mailed.

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 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received emails from two different credit sites that monitors my credit stating that I had a new hard inquiry. XXXX XXXX stated it was a mortgage lender check and Im not in the process of looking for a mortgage. When I looked into it, the inquiry came from a business named CAP1/NEIMAN. The date of the inquiry is for XX/XX/2021 ( today ). The last line of credit I applied for was back in XXXX and it is noted on my credit. I called the number listed and it was Capitol One bank. I do have one card with them already that Ive had for years. The representative pulled up my account and didnt see any activity since XX/XX/2021 which was a payment. This inquiry is very suspicious and that is why I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been contacted on numerous occasions by the mortgage servicing company, Ditech Financial, LLC on behalf of my deceased mother 's account, whom was the sole-owner of the mortgage debt. The loan inception date was dated back to XX/XX/XXXX, under Green Tree Servicing. She passed away in XX/XX/XXXX ; the family has been in the process of legally obtaining the Administrator of Estate in the state of Georgia. Currently there is not an executive administrator in place in place for any person ( s ) to legally handle her debt with any debtors. We have advised them on several occasions of this matter. I myself have continued to make payments on the mobile home using my fixed income until we can get all the legal matters cleared. Unfortunately, the payments were not made promptly each month and they have called and harassed daily on my cell phone and landline to collect on the account. The main issue is I am not the original loan holder and do not feel i should be harassed in such a manner by the company or its collectors ; they have threatened to come pull the mobile home from the land, mailed certified letters to my address, canceled insurance ( per their conversation ), and will not provide any significant details on the account except the current payment due and demanded I pay immediately using their preferred method of XXXX/or XXXX services to bring the account up to speed. The representative name over our account is XXXX and she has been contacting me for over two years now and is fully aware of my deceased mother and continues to contact me with harassing collection practices. On one occasion a representative contacted me regarding the debt and I advised her of my fixed income situation and the legal proceedings of the Administrator of Estate. The representative advised me the account could possibly qualify for some type of " hardship '' after we brought the account up to date but we have yet to receive the paperwork.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation