BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Chase has sent me a notice of accelerated action taken against myself and my father for XXXX. I have received ZERO statements from XXXX informing me of my current balance for two months and when the extended modification agreement was entered into I was specifically told that a forbearance would be applied to past due loan. This is the first letter i received and I obviously can not pay XXXX in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I WAS INQUAIERING ONLY ABOUT THE XXXX BANK HELP. BUT DID NOT TELL THEM I WANTED IT AND DIDN'T OK IT. AND MY WIFE SAID NO. 
OUR ACCOUNT HAS BEEN PERFECT TILL XXXX AND XX/XX/2020. THE BANK OUT XXXX INTO IT AND PUT MONEY INTO A SEPARATE ACCOUNT. THEY SAID THEY WOULD FIX IT. 
NOW THE WAY IT'S WORDED AND WHAT THEY DID MAKES OUR ACCOUNT LOOK BAD AND NOW IT LOOKS LIKE WE OWE THEM MORE MONEY. NOW THEY REFUSE TO FIX IT CORRECTLY. THEY PUT TERMS IN THERE LIKE REVERSAL, REVERSAL, ETC. MAKES IT LOOK LIKE WE WERE LATE. AND WERE NEVER LATE. THEY REFUSE TO LET ME SPEEK TO A SUPERVISOR OR THE CEO. 
PLEASE PROVIDE ME WITH A FAX NUMBER SO I CAN SEND YOU THE PRINTER OUT PROOF ON WHAT THEY DID. I DON'T KNOW HOW TO UPLOAD A FILE. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX NC 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 2015-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Credit determination

Complaint:
I have had a Capital One credit card for years. The rate on my card was at 12 %, about the time the credit melt down happen Capital One increased my interest rate to 17 %. I was XXXX day late in making my payment, but feel the rate increase was excessive. My balance on my card is about {$18000.00} so this rate of 17 % makes it very hard for me to pay down. I have always made more than the minimum payments required but still do not see any relief. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
what is the difference between a yearly interest rate and simple interest where in my contract does it state clearly i pay XXXX simple interest and am i paying that or 19 %? which am i paying daily XXXX or 19 %

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Other

Complaint:
Prior to my divorce, my ex husband was able to open up several accounts online in my name using my information. I have been able to get everything except an account he managed to open in my name with Capital One. After getting nowhere with them, I filed a dispute XXXX. Instead of removing it, I received letters from CO thanking me for my recent inquiries into my account. This is infuriating, as I have not had an account XX/XX/XXXX with them. I have tried to call them, but instead of listening they try to trick me into making a payment- which I am not going to do. This was not my account and I will not be making any payments to it. I knew nothing about this account XX/XX/XXXX, when I had my credit pulled by a mortgage company, hoping to get a home loan. 
I am tired of dealing with this, and I need some help. I worked very hard to close out any account that I had opened in effort to be debt free. While I realize that hurts credit too, I did not want to owe anyone anything. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: AES/PHEAA
State: VA
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:
Direct Fedloan Servicing reported my loan 60 days past due in XX/XX/2014 in error. I have XXXX loans with them and all have either been in XXXX or on a direct debit. I was unaware they had negative reported me to the credit bureaus until recently. I disputed the negative reporting with the bureaus and it was declined. I called Fedloan servicing and was told that placed XXXX of my loans in forbarnace but not the XXXX. They stated regardless of the error it my responsibility to know that. I asked for a record of the billing statements or communications that would have alerted me that they failed to place the XXXX loan in forbarnce. They could not provide me those details and stated that even if they did n't send a statement, bill notification or acknowledgement that it was still my responsibility to know and thus they are not in error. How am I suppose to know that if they did n't tell me? In addition it 's their error in not placing the XXXX Loan in forbearance. They also stated they have records of my calling in an also applying for economic hardship forebarences, which were applied to the first XXXX but not the third. At no time during these call did any XXXX tell me I was behind. They stated they sent emails to alert me. I received no such emails, never agreed to email communication and every other communication they had sent me was in letter format and by mail. They failed to properly apply the requested forbarance and to all notify me of my balances afterwards

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Byrider Franchising, LLC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My issue is that I was sold a car, which has given me nothing but problems, my car finally died 2 weeks ago, I have already paid CNAC more then {$15000.00} for a XXXX saturn ion, which nearly killed me when it automatically shut down in the middle of an intersection. I have requested to have a settlement with this company, I currently owe {$2300.00}, I asked if I can pleae settle at {$1200.00}, they will not I have a lay by the name of XXXX calling an harassing me twice a day, I have already sent them a cease and desease until they can offer me a settlement. I was pressured into obtaining the car when I purchase it, nothing was really ever explain to me, not even the high interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I received a call stating my debit card had been locked and the automated call requested my card #, expiration date and # on the back. Half way through the call I realized it was not US Banks normal call when a card is locked and that I was being scammed. I immediately called US Bank and had my card shut off and ordered a new one. I was surprised this morning ( 3 days later ) that the number is still working and the recording says it is the " 24 hour security line '' and asks for the information. I want to pass the phone number along so some one can shut it down. I only answered the call because it came from a city that I have relatives in and I figured it was a call from them. The phone number - out of XXXX, TX is 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 2016-03-14
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wonder if cooling and winter can still collect on debts from XXXX debts that they not own or got to legally go back court for each debt judgement because the judge did not sign there company that judgement or debt or that they have rights to collect and if do collect unfairly should consumer be refunded to. Amount of payments as restitution

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Summit Financial Corp.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I opened an auto loan in XXXX XXXX with Summit Financial. They just set up a website for the company about 4 months ago. I logged on to pay my account last month. The billed stated that my payment was {$430.00} + {$110.00} miscellaneous fee= {$540.00}. I paid that amount. This month I check my online account only to see that This month 's payment included another {$110.00} miscellaneous fee. I called Summit to find out what this miscellaneous fee is and she explained that the {$110.00} was not being charged each month. It was for XXXX NSF fees that were applied to my account in XXXX. They are continuously charging interest on this {$110.00} even though I made a payment which was more than enough to cover it. Instead of applying my overpayment to eht {$110.00}, they have the funds " set aside '' for me until I have enough extra month to make a full payment. They said that I have to " request '' the money be applied to the miscellaneous fee. Also, this company just recently started sending out statements within the last 9 months. Before then, I had no way of knowing what is charged and what is due. I believe this company is unfairly collecting interest by keeping consumers in the dark in regards to this " miscellaneous '' fee collection and interest accrual. I have requested a copy of my entire transaction history, but I am sure that this " extra '' money they have sitting aside for me has been there for a while. And instead of applying it to my principal balance, they have been unfairly gaining interest on it while charging me additional interest at the same time.

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 2017-05-02
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On an annual basis MOHELA asks for renewal of  Income  based repayment information. For the last few years they do not send the request to my current address which I have lived at for four years. I have received statements at this address for the last four years but when they need the information ( and I did not catch on to this tacit until today  ),  it costs thousands of dollars. Why do they send me statements at my current address but when information needed for upcoming years is requested they send it to old addresses? Managers responded that addresses get lost in the system but if I receive statements then someone is deliberately sending critical information to old addresses. I just figured this out today and feel   XXXX   and now owe so much more than I ever intended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: ID
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2019-12-27
Company: EQUIFAX, INC.
State: IN
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:
I have tried a few times now to get this false name off my report. XXXX XXXX XXXX was never a legal name for me. Equifax had this name on me for 3 years. Now after they half-heartedly corrected my name to XXXX XXXX XXXX, they are still sending me mail in this fake name. I have attached the document I received in the mail today, XX/XX/2019, that is addressed to a made up person, or possibly somebody has this legal name, I do not know. I STILL need this false name off my record. I have had difficultly clearing security with Equifax over the years and I wonder if it is because some false information is reported on my account. I already reported to them every identifying piece of my identity and they still refuse to call me by my legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion has not Removed the Negative Information below after initiating a Dispute ... 

I have Attached Documentation which is a Letter of Deletion from the Data Furnisher and Debt Collection Company XXXX XXXX XXXX Regarding the Derogatory Account # 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 2020-06-18
Company: EQUIFAX, INC.
State: FL
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:
I received my credit report on XXXX XX/XX/2020. I disputed with Equifax ( Online ) an address and received confirmation on XXXX XX/XX/2020, that it was deleted. Today, XXXX XX/XX/2020 when I refreshed my credit report, the address in question was Not deleted. Please forward this concern for correction to Equifax. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I attempted to get a modification from XXXX when my husband was XXXX and our income reduced to XXXX person working. XXXX XXXX XXXX could not figure out who our investor was. They claimed we had XXXX investors ; XXXX XXXX and XXXX XXXX XXXX, then changed it to XXXX on behalf of XXXX XXXX XXXX. They filed foreclosure proceeding with the XXXX XXXX court, and it was denied. 
After 4/12 years of sending in the same documents our mortgage was sold to Select Portfolio Servicing. The document requests started all over. Another foreclosure was filed with the court ; I appeared and presented evidence of deceptive lending by XXXX Mortgage my original lender, and XXXX XXXX XXXX inability to resolve the issue in 4/12 years. The judge instructed Select XXXX Protofolio 's lawyer speak with me get copies of the evidence I entered and make a decision within 30 days before she make XXXX for both parties. 
We received a trial payment period from XXXX XXXX 2016. All XXXX payments were made on time as agreed. 
My XXXX concerns are the modification payment is not reflecting on my credit report. Any type of payment a creditor receives from a consumer must be reported. Select Portfolio Servicing is telling me because the payments were trial payments they do not have to report it as payments, and I strongly dislike that policy and need your advice. 

The second concern I have is with the balloon payment we got for our modification and had less than 30 days to have a lawyer read it and advise us on it. This is how we got in trouble with XXXX Mortgage in the first place harassing us to refinance two years after we had just refinance our home with them. 
I do not trust the entire process and would like for someone to please review our case. 
Select Portfolio Servicing Property Owner : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Texas Account # XXXX My contact number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: FIRST PORTFOLIO SERVICING INC
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 logged in to review and pay my bill and noticed that I had several charges ( unauthorized ) that I had not made ( see below ) : Date Reference Number Purchase Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I knew the charges were not mine because I was XXXX XXXX XXXX XXXX  XXXX  ) and had not left my house since XX/XX/XXXX. The charges were made XX/XX/XXXX and XXXX. I immediately contacted the XXXX number on the website for assistance and was told to download the fraud affidavit from the website, which I completed and returned for ALL the charges. I have never had excessive charges such as these in any time frame, let alone in 48 hours, especially considering the card limit is {$300.00}. Over {$350.00} of charges were made in 2 days. I have had this card since XXXX and not once has my balance EVER exceeded my limit of {$300.00}. In fact, I regularly pay off my account. 

On XX/XX/XXXX, I received a letter stating that the results of the investigation concluded that since I was in possession of the card at the time of the " alleged fraud '', the charges were deemed to be mine. Really??? I've been a victim to credit/bank  fraud before and never have I been told that because I had the card in my possession, I made the charges. 
I know for a fact that your credit card number can be obtained many ways while you have the card. In fact, I was told by a fraud investigator at XXXX, when I had fraud on my XXXX XXXX, this happens, a lot! 

I am preparing to file a police report with the local police. Additonally, I will be sending letters to XXXX XXXX XXXX ( who owns XXXX XXXX XXXX XXXX I have already sent a letter to XXXX XXXX XXXX ( issuer of the card ) I absolutely REJECT the findings of the fraud investigation that I am liable for the fraudulent charges made XX/XX/XXXX and XXXX, totaling {$350.00}. Additionally, I wish to have all late fees, over limit fees, and any other nonstandard monthly or yearly fees removed from this account and that my account balance be restored back to balance ( less any payments I have made ) it was prior to these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've contacted XXXX & all 3 credit bureaus over 30 days ago with no correspondence. I want this issue fixed immediately. The unauthorized info reporting on my credit report is hurting my ability to obtain credit! not in compliance with the laws! please read the attached letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've contacted XXXXy & all 3 credit bureaus over 30 days ago with no correspondence. I want this issue fixed immediately. The unauthorized info reporting on my credit report is hurting my ability to obtain credit! not in compliance with the laws! please read the attached letter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that 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 non-monetary relief