BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been receiving multiple phone calls over past few weeks  (  middle of  XXXX  through  XXXX   XXXX ,   XXXX   ) about a loan. Most calls are automated. There is not a real person contacting me.   I tell the " caller '' they have the wrong phone number. the automated caller does not understand and keeps telling me to enter my information.   I have written down one number,  XXXX . Another number is also given, but I have not written it down. Sometimes the caller identifies as Navient, sometimes as  XXXX , but I am unable to write her personal number and extension fast enough.   They want to talk to  XXXX . I am unable to understand that person 's last name.     When I called the CFPB, I was told that Navient provides student loans. I have never had a student loan nor have I ever co-signed a student loan. No one in my house has a student loan or co-signed a student loan.     Please could you tell Navient to stop calling my phone  XXXX . This is harassment.   Thank you for resolving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I opened a Dispute on XXXX website with JPMCB ( JPMorgan Credit ) whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX  in a Federal Prison, and still am until XX/XX/XXXX. I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico where I notified them of the crimes against me. Further, I included the XXXX XXXX documents from First Judicial District Court in XXXX XXXX, NM where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was XXXX and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. JPMCB and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my imprisonment date. While XXXX, all my accounts were assigned to the address in New Mexico of the perpetrators of theft against me ; this is fraudulent, as I never lived in New Mexico. I have always been a citizen of Texas ( except for 4 years I spent in a Louisiana prison during this term of XXXX ) and can clearly show this fact. Further, I am protected by the laws of Texas and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I had a checking and saving account in Bank of America since  XXXX .I used to deposit my friends and family members checks as a third party check in my same account and every thing was fine and I did n't received any letter from bank that I can not deposit third party checks in my account until  XXXX    XXXX   when I deposited some of my family members checks in my account .Bank of Am erica closed my accounts and they se nt me a letter that Bank will re turn my m oney because I provide the notarized statement from all those people whom checks I deposited ( copies attached ) as a third party check .After tha t the Bank of America regulatory team sent me a letter saying that the Bank Can not return my money and they have sent the money to IRS and they provide me the copy of the cashiers check that was sent to IRS and I was told to contact the IRS to get back my funds .I contacted the IRS and provided them the Bank of America letter along with the copies of the checks that I deposited in my account and I also sent them the notarized letters from each individual whom checks I deposited in my account ( copies attached ) .Now I received a letter from IRS that I have to ask my funds from Bank of America .I tried to contact Bank of America regulatory team to solve my problem but they  are not responding to my calls I left them messages but they are not responding to my request I am a low income minority and i am facing a lot of financial problems

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 2021-10-29
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i have been banking with compass for many years i retired in XXXX and closed my business account. i left my saving account there i left it as a nest egg .last week i went to compass to close my account. i was told the bank was no longer in bussiness showed the teller my check book and was told this account does not match any account.was i sure i had a account with compass. i gave them my social security number and was told they had no records. they told me to check with the state and i called three times and no money had been sent i call compass and XXXX XXXX answers they can not help me i just want to know who closed that account and what happened to my money. my checking account number isXXXX my account i paid taxes is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are homeowners whom have experienced financial hardship caused by health illness and want to retain our home. The servicer claims we do not qualify for a loan modification due to a payment increase followed by a prior loan modification during XXXX. The existing loan modification the servicer is referring to has no value on its face pursuant to Florida Statute 687.0304 ( 2 ) for the following reasons : 1. Pursuant to Florida statute 687.0304 ( 2 ), a loan modification is not an agreement if is not signed by both, borrower and lender. The agreement reflects that it was not signed by the lender at all and therefore we never had an agreement.

2. The loan modification has no enforcement in the state of Florida for the following reason : The loan amount increased due to the loan mod and the lender failed to pay the requisite taxes rendered the note and mortgage unenforceable, making the instruments unenforceable when the final judgment was entered, Florida Statute 201.08 ( 1 ) ( b ) and 199.282 ( 4 ), respectively imposes a documentary stamp tax and intangible tax. Fla. stat 201.08 ( 1 ) ( b ). Fla. Stat. 2018 199.282 ( 4 ). Fla. Stat. 201.08 ( 1 ) ( b ), " The mortgage, trust deed, or other instrument shallowing not be enforceable in any court of this state as to any such advance unless and until the tax due thereon upon. 
The lender never paid the intangible tax as it is required by the State of Florida and therefore the note does not have any enforceability. 

It is obvious that we never had an agreement. We are requesting mortgage assistance, the lenders excuse in that loan mod can not be offer due to prior loan mod that would make the loan payment increase is not acceptable, the document it self revelas that we never had an agreement. On XX/XX/XXXX, we provided the servicer a full complete financial package to be review for a loan mod and are awaiting for the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Nationstar Mortgage did not apply funds properly in XX/XX/XXXXholding funds in a suspense account when they should have freed them to cover a payment. This started the recording on the Verification of Mortgage to state 30 day delinquent for several months afterward. Once the following months payment was received they would count the payment still holding extra funds in a suspense account. In XXXXXX/XX/XXXX Nationstar finally realized and discovered their mistake in the payment history, made the account current and actually sent me the extra funds that were held in suspense, {$3300.00}. more than a months payment. 

I wanted to refinance on an FHA loan and have a lender that would do so. Without the VOM reporting correctly, I can not qualify to refinance. This is costing me thousands of dollars! I have reported this 6 times and nothing is being corrected to the VOM. 

Still stuck

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
equifax, XXXX, XXXX, has reported a fraudulent account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-10-29
Company: EQUIFAX, INC.
State: FL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union, a bank that takes pride in claiming to take care of its service members. This is not the case whatsoever. They charge ridiculous amounts of banking fees, and delay processing any financial information such as deposits, linking accounts, etc. I have paid more in banking fees than ever expected after a fraud claim. The bank has done nothing to help but put me  XXXX  negative. Another paycheck gone to this bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased a authentic  XXXX   XXXX  on  XXXX   XXXX  and when it arrived I asked my friend who inspects bags to see if they 're authentic or not and he said the bag I have purchased is not authentic. So then I contacted the seller to see if he had proof showing that the bag is real, he responded and said yes that he 'll send proof but he never did, so then I contacte d PayPal and opened a dispute with the seller, after that the seller responded and said that I received what I purchased so PayPal ended the case in his favor, then I appealed it and I lost again so I reappealed the case and it was ended in his favor again. Also the seller never told me that the bags zipper has thread comming out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
in XX/XX/XXXX navy federal credit union closed my membership and accounts due to fraud. They will not disclose to me why my accounts were closed at the time i had been a member with navy federal since XXXX and never had any overdrafts all of my loan products were paid on time never late. I attempted an appeal and was denied. Today XX/XX/XXXX I reached out to navy federal again because me and my cousin are starting a XXXX XXXX in remembrance of our grandmother to support kids at the elementary school that she taught at for many years. I waited on hold for almost an hour to be told that I could not be added to the association account due to the fact of the alert that they will not remove from my account. At the time of restriction or block I was not using Navy Federal as a primary bank so there was no activity that would have called for my accounts being blocked or restricted. As a part of this review they restricted my mothers account as well but she was allowed to complete a one time pin verification code and all was cleared on her account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2022 I received a letter from Chase Bank stating that they are terminating their relationship with me. They closed my accounts and credit card accounts. I went inside the brach and set down with a banker and he reviewed my account. The banker said that this was ridiculous and there was nothing on my account that looked suspicious. I am a police officer in the city and I receive direct deposits directly into my account. The banker said that there was no explanation as to why my account was closed, even he did not know. I feel that as aa long time customer I have the right to know why my accounts are closed, and at least given the opportunity to show proof that there was no illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Americas Car-Mart, Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Me and my husband was buying a car off XXXX ar XXXX  XXXX and we had problems with it since the beginning check engine light was on it stopped turning on every week when I called to get it fixed they didnt have time or we just fixed it so returned the car and they called me everyday threatening me that they were ruin my credit score and take me to court the guy that sold it to us was XXXX this was year of 2015 I told them to stop calling me and they didnt listen they said we going to take u to court and I told them lets go then

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Lending Club Corp
State: PA
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:
Loan still shows open on credit report. Contacted lending club. They told me to login online. Loan does not show up. They refuse to send a statement. Need paid in full statement for mortgage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: AZ
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:
I have  XXXX  open disputes wire Equifax  1.  Dispute number  XXXX  submitted this redispute online late at night on  XXXX / XXXX / XXXX  which Equifax has listed as  XXXX / XXXX / XXXX  which is ok but today is  XXXX / XXXX / XXXX  and this still shows as pending and it is over 30 days I have disputed and redisputed these item s - 1.   XXXX   XXXX    XXXX   inc.  XXXX  original creditor  XXXX   XXXX . We called   XXXX   XXXX   XXXX   XXXX   and gave them both my and my husbands social security numbers they have no records of us never have and they said there is nothing they can do for us. We moved out of  XXXX    XXXX    XXXX   XXXX  and we owed nothing in fact we got our deposit back. We called them and they said the company was sold in  XXXX  and they have no prior records.  XXXX   XXXX    XXXX   is from original creditor  XXXX   XXXX  it is a medical debt. I went in for my yearly well check which is covered at 100 % by my insurance no copay at all. I called the office years ago about that and told them that my insurance says I pay zero for a well checkup. I moved twice since that time and I thought that they understood and were going to correct the bill to zero. I called the collection department when I saw this was on my report and they sent me what they said is proof that I owe them the doctor charged the insurance company for  XXXX  office visits at the same time so for the second charge they billed as a visit with problems which does have a  XXXX  copay. But that billing of the insurance for  XXXX  visits at  XXXX  time as if I had a well checkup and a problem visit was a lie. I was seen by the doctor very quickly had the well check talked and laughed just a very short time and then I was out of there. They added  XXXX  fee to the  XXXX  copay that never should have been charged. I paid them the now  XXXX  charge because we are planning on buying a house and they told me it is my fault I owe the money because I waited to o l9ng to con test it.    2. Disp ute  XXXX  was disputed and redisputed over and over. We lived and worked and paid our State taxes to  XXXX  in the years from  XXXX  to  XXXX / XXXX / XXXX . The state of  XXXX  filed tax liens against us for the years  XXXX   XXXX  and  XXXX . We proved to the  State o f   XXXX   and the credit reporting agencies I sent in the null and void letters that we finally got from the  State  of   XXXX    (  after fighting with them and proving that we never owed these over and over for years. The letters from the   XXXX    Department  of Taxation says that the tax liens were filed in error never should have been done. Equifax still has not deleted these even though the proof was uploaded to them online and tomorrow will be 30 days on this redispute, which has been disputed over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Currently, Mr. Cooper has our home up for sale on XX/XX/2022, even after we sent them a complete/full modification package. They did not send me any proposal mortgage modification packages. We send out monthly updates on our income and what is required of us by mr. Cooper. We want to keep our home since we have no place to live anymore. we ask to give us an affordable modification, we have the income to pay the Mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Works & Lentz of Tulsa, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The two companies that are involved are XXXX XXXX XXXX, representing XXXX XXXX, which took place on XX/XX/XXXX,  where they are claiming that I owe them {$25.00} for medical services rendered on their behalf. The other company is XXXX XXXX XXXX, who are representing XXXX XXXX XXXX XXXX. Claiming that I have an open, owed account in the amount of {$2100.00} for medical procedures which apparently began on XX/XX/XXXX, for medical procedures provided me. Both are claiming that these are individual accounts that I am responsible for. However, I never received any treatments from either facility without first full approval from XXXX ( state funded medical care. ) Any time I needed any procedures performed, XXXX had to be first notified for approval especially considering my physical and financial situation and no medical procedures were performed or given without their written guarantee of payment for each and every medical procedure. I also had to have prior authorization from my XXXX XXXX XXXX as well as my XXXX to be certain that no treatments would interfere with medications being taken at that time, prescribed by them both, as I am under both their care for serious deteriorating conditions. I had n't even any idea that XXXX XXXX was claiming that I owed for medical procedures as I was never contacted. Not by mail or by phone. I do n't even remember the year that I was called by XXXX XXXX XXXX XXXX, whether it was XX/XX/XXXX or XX/XX/XXXX. The only time I had ever been  contacted was by phone when we discussed that XXXX had pre-approved any and all procedures that I had received. Since I never heard back from them I assumed that the matter was cleared up. It was n't until I checked my credit on XXXX, in XX/XX/XXXX that I even knew there was an open account with a collection agency in my name. <P/>1st collection agency info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX 2nd collection agency info : Works and Lentz XXXX XXXX XXXX XXXX XXXX, OK 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