BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX 2015, I logged into Navient to find that my monthly payment ( or " amount due '' ) had tripled in size from XXXX. I contacted Navient to discuss my options, and they explained my only option was to apply for an extended repayment plan. To do so, I had to submit some paperwork and pay a {$150.00} forbearance fee, which would nullify my amount due for XXXX and give them time to review my account. I called them back a few days later and found out that my extended repayment plan was approved. When I logged into the account, however, I was still seeing the extremely high amount due that caused me to call Navient in the first place. After several phone calls, it was finally explained to me that due to a billing error, the wrong amount was showing in their system, but they assured me I had been approved for the plan. I monitored the amount due in the days up until my XXXX payment was due, but it never changed. As I 've had several problems with their billing before, I wanted to be proactive and call to make sure my payments were received and in the correct amount. Multiple members of their customer service team, including managers and directors, assured me that I should pay the amount due from the new extended payment plan, and not the incorrect total that was displaying on their website. They made countless promises that the issue would be resolved and there was no chance I would see a " past due '' amount and certainly would not be charged late fees. Two months later, I am being harassed on a daily basis by debt collectors and on top of that, they had the nerve to charge me a late fee. That 's not only something they promised me would n't happen, but the error is theirs to begin with. I 've made more than XXXX calls in the past month to correct the issue, and every conversation ends with a promise from a Navient employee that the issue will be corrected. It still has n't been. It 's amazing that they have the time to call me and email me - from blocked phone numbers and third party email addresses, no less - on a daily basis, but no time to correct their own issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
During the summer of XXXX and in early XXXX, Transunion experienced a system glitch that removed all inquiries from my credit report.TransUnion later added them all back onto my credit report without providing me with the legally-required written notice 5 days prior to them re-adding them. I contacted TransUnion, in good faith, asking them to delete the inquiries that they had illegally re-added.My first attempt result in being told that my account was not affected ; however, ALL accounts were affected. My second attempt resulting in me being able to revolve this matter by ( 1 ) contacting the creditors that requested my file and having them to remove the inquiries or ( 2 ) filing a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Financial Business and Consumer Solutions.
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:
continued calls from XXXX XXXX financial seeking a person that does not live here, i called back 4 times to ask that my phone number be removed from caller list they said it would be removed but it has not and i keep getting calls. the calls are on my caller id and phone bills. please make them stop. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, PNC " ADVISED '' me the only way to help was for me to let my mortgage go into FORECLOSURE process. This was because my house was worth WAY more than I owed. My financial hardship reasons did not concern PNC. I just had to show I could NOT pay my mortgage by not paying. This caused me to pay 2 years of attorney fees collected by PNC. A re-structuring amount charged by PNC, late fees, court fees and interest fees to LOST income by PNC. As of late they are charging me to pay electronically or by check PLUS additional fees due to the loan. I have amassed well over {$5000.00} in fees, and extra interest paid to PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I filed a request to Fifth Third Bank as to why the bank charged me late fees above what was listed on the payment coupon. I filed this request XX/XX/2016. The bank never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: JPMORGAN CHASE & CO.
State: OH
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:
Although I am not to be on the paperwork for this loan at all, JPMC AUTO  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with XXXX  and XXXX. This is against FCRA to alter the charge off date from the original charge off date over a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Control Services has been reporting to the major consumer credit reporting agencies that I have a delinquent auto insurance account. However, this is not something which I owe. I have disputed this account on the various reporting bureaus and it is being verified as accurate, despite me giving a thorough explanation of what happened. I discontinued my policy with XXXX XXXX XXXX because I no longer had owned a vehicle. I should think this common sense that I would not be paying to insure a car which I no longer owned, or any vehicle at all. XXXX was aware of this and said coverage would be cancelled. Now, it 's showing up on my credit as a {$970.00} unpaid collection. I never received a bill from them. I paid all of my bills on time, so I had a XXXX balance when I cancelled the service. There is no reason I should owe almost $ 1k. And there is certainly no reason my credit should be damaged by this erroneous charge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: TX
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 XXXX inquiry on my credit report. The XXXX account was finally deleted because it was never my account per the letter the bureaus recieved. However, the bureaus still are refusing to remove the inquiry after several attempts. The account was removed because it was never mine, so the inquiry should have followed. But I was given a flat out NO!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been getting unwanted sales calls from my mortgage company, Freedom Mortgage. They are trying to pressure me to go further into debt with them by taking out a second mortgage or a home equity loan. I told them that I did n't want to receive these sales calls, but they keep calling anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CITIBANK, N.A.
State: NY
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:
I bought XXXX lower XXXX XXXXXXXX for {$310.00}. MY FFL did not get approved. I was told I would be refunded the money but never was. I complained to Citi Bank 2 days after the transaction and they refunded the money back to my credit card. A few days later my credit card was charged again by XXXX XXXX?? company for the {$310.00}. I called Citi Bank to complain. I sent in all the information they requested. Citi Bank waited way to long to process the complaint as Fraudulent and could not recover the money. I spoke to Citi Bank numerous times on recorded lines, that I requested, and was told that the XXXX companies are separate " entities ''. I filed a complaint with the XXXX as well. To me that means I was charged by a company I did not authorize. On XX/XX/2022 Citi Bank called me, a XXXX XXXX, from the Executive office. She said noting else can be done and they are the same company. She also asked for a confirmation that XXXX was refunding the money. I sent this to Citi Bank numerous times and have attached it to you as well.

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 2019-11-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2016-04-25
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a home in XXXX XXXX and financed with XXXX XXXX. We voluntarily set up an escrow account for our property taxes and insurance. According to our closing disclosure which I have attached, the last page and paragraph of that document indicates that we may be able to cancel our escrow account and if we do, we would have to pay the property taxes and insurance on our own which is what we intend to do. Since we are a new development and one of the first homes sold, our local County has not come out to access what the actual property taxes would be and the projected tax amount is an estimate only. Until then, we do not feel comfortable handing out over XXXX a month to a bank where if it was in our control, we could at least earn some interest on it. Since we live in a new development, the taxes have not been assessed. We are only paying on the land until the county comes out to assess. The next tax payment due is XXXX. Our home owner 's insurance is paid in full for 1 year. Freedom mortgage has over XXXX in unused escrow funds. We were advised by Freedom Mortgage we can opt out of the escrow account since it was voluntary if I sent a request in writing to them and could provide proof that we had enough in savings to make the next property tax payment. I provided that info to them on XXXX/XXXX/XXXX. I called and asked them the status of our funds on XXXX/XXXX/XXXX and I was told I would have an answer on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and was advised my request was denied due to lack of payment history since we have only had this loan for a short time. This is not in my loan papers. Again, we were advised on XXXX/XXXX/XXXX by Freedom Mortgage, since the escrow account was voluntary and I had funds, we would have our unused monies returned and the escrow account cancelled. I was also told an escrow review would take a week. When I called back a week later, I was told it would take 30 days. I called back on XXXX/XXXX/XXXX and was told to call back in another week. I was then advised on XXXX/XXXX/XXXX that the only way to get out of the escrow was to refinance which is ridiculous as the refinance charges would cost around the XXXX I have in unused escrow monies We want our escrow account stopped and our unused monies returned to us at once. I was promised a call back by a supervisor " XXXX '' and never received one. I asked to speak to the escrow department and was advised that they did not accept outside calls. This is predatory lending and unjust.

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 2016-03-13
Company: Financial Business and Consumer Solutions.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
FBCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Sent me a letter stating they were collecting on behalf of XXXX XXXX XXXX. I checked my credit report and it didnt show anything related to what they were trying to collect for. They dug up an old debt that had already been settled and they are trying to trick people into paying old debts. 

They are sending out letters to people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates sent me a letter stating that I owe them money for an old unrecognized credit card debt that I disputed as not mine, or no knowledge of this debt. 
I have an open unresolved dispute with XXXX and I noticed that this Portfolio Recovery Associates flagged my credit reports as " Collections '' on two separate occasions right after I opened this dispute with XXXX for this alleged account. 
My dispute is currently still open as to verify the accuracy of the data and ownership of this alleged debt. This company continues to damage my credit score even while there's an open dispute that has not been resolved as of today XXXX. 
My dispute with XXXX was opened on XXXX Portfolio Recovery Associates Flagged this disputed account on my credit report as " Collections '' on XXXX and on XXXX. ( I attached a copy of my XXXX alerts to show the above mention actions done by Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Earlier this year, I refinanced my mortgage with Freedom Mortgage. 
In XXXX, my mortgage was transferred to XXXX Mortgage. 
My XXXX mortgage payment was sent to Freedom Mortgage, For the past FOUR months I have been trying to get Freedom Mortgage to send that payment to XXXX. I continue to be bombarded with calls and letters telling me of my delinquency. I have called over 40 times XXXX, I keep getting told I will get called back. No one calls me back. The only numbers I have are toll free numbers. People I have talked to about this problem include : XXXX XXXX, " XXXX '', " XXXX '', I asked to speak to a supervisor, XXXX XXXX XXXX, left countless messages-he never got back to me. I am worried about my credit rating, I am beyond frustrated. I need your help! Please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I sold an item on XXXX  ( # XXXX ) on XX/XX/20 and the buyer paid for it on the same day. Purchase amount of {$XXXX} + {$XXXX} shipping + {$XXXX} tax = {$XXXX} total. 
My Paypal Account showed {$XXXX}. This is the net amount after deducting {$XXXX} tax ( that XXXX said they would pay directly ) and {$XXXX} Paypal fee ( 3 % ). 

Later the same day, a refund request was submitted. When initiating the refund request, I was told by XXXX and Paypal that I did not have enough funds to process the request. I was confused because I did not pull any money out of my account. I've contacted customer service reps for both companies. XXXX 's reps told me to contact Paypal. Paypal redirected me to XXXX. Neither provided me with a reason as to why the refund was being denied. It was very frustrating trying to sort this out. I had to do quite a bit of digging and research, and finally found out via an XXXX  community forum, that a few months ago, PayPal decided to change its policy regarding fees charged. 

When a refund transaction happens, they WILL NOT refund their fees of 3 %. This is the reason why my refund request didn't go through, because now I had to come up with the {$XXXX} Paypal fee to fully refund the buyer. This appears to be a very unethical practice by XXXX  and Paypal ( as they are under the same ownership ). 

I hope they change their policy regarding their fees. It would make it more fair for the buyers and the sellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A line of credit account was opened by BMO Harris without my permission. I did n't find out about the account until I received a notice that I owed {$25.00} for service charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022, I consumer, XXXX XXXX, went into XXXX BMW, to enter into a consumer credit transaction. The business manager, XXXX XXXX, stated he did not know what a consumer credit transaction was. I explained to him what it was and he then asked me how would he get paid for the vehicle. I explained to him he would get the money for the vehicle. He acted like he still didn't know, so I asked for a buyers order to take to a bank to enter into a consumer credit transaction. I went to XXXX XXXX, in which they stated they only do auto loans, which is a violation of 12 CFR 1431, because banks can not issue loans nor extend credit. The following day, I was attempting to extend credit through BMW Financial Services, and was denied the extension of my own credit. XXXX XXXX, stated BMW XXXX XXXX required the consumer to have a minimum score of XXXX, although there is not a law that states a consumer must have a minimum credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
I applied for a credit card with Fifth Third Bank which included a balance transfer of {$8500.00}. I was approved with a {$700.00} credit limit. I was not ok with the credit limit I was approved for as it was too small and completely out of line with my credit score of XXXX. I called and cancelled the card on XXXX/XXXX/16. On XXXX/XXXX/16 they pushed the credit limit up and processed a partial balance transfer of {$7600.00}. They did this after I had already cancelled the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
Been a victim of deceptive advertising practices. 5/3 Bank stated a O % apr for the first 15 months including balance transfers. Was stated over the phone that balance transfers would take place within 5-7 business days. It has gone past the days stated by verbal communication via telephone. 

It has gone well past the 7 days, and when I called in to verify, the operator stated it takes 4-6 weeks. Both conflicting stories. Many operators carrying heavy accents from foreign countries unable to properly communicate legal financial information should not be allowed dealing with vital personal information. Misinformation or improper annunciations of words can be detrimental to many contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: OH
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 a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX   XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief