BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has never sent me information I constantly am giving them update information that they never update and they never send me any kind of proof that I paid anything and they also never send me the interest that I need for my tax refund every time I call them they are incredibly rude and obstructing obstructing and say that they 're gon na do one thing and they never do it. It has been incredibly frustrating. Constantly tell me i am behind, yetnever sebd a payment schedule nor proof of my payment. Automated number hags up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is old information showing on my credit reports regarding my student loan. I have 1 student loan yet, my reports show several loans. Most of which states closed, and there is a late payment remark which is incorrect. I need this fixed and adjusted expeditiously!

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 2015-09-08
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX 2014 my wife and I applied to Ocwen Loan Servicing , LLC in regards to our home mortgage, to have our PMI removed. We met all XXXX required points : 1. current on our loan. 2. No late or missed payments in the preceding 12 months or 60 or more days late in the preceding 24 months. 3. Proof that our property had not declined in value since the loan origination [ Appraisal from a certified appraiser that met the minimum requirements on the Loan-To-Value threshold of 80 % or less ]. 4. Submitted written request. 
Ocwen subsequently, rejected our request, we feel, unfairly!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had got XXXX XXXX and then lost my job and ive tried to work it out with XXXX XXXX and i got run arounds from i had a fha loan and now its different i have been told some many thing and yeasterday i find out its a private investor thats has my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
JPMorganChase has managed my escrow account with the mortgage I have with them. 
On XXXX/XXXX/16, Chase paid {$650.00} illegally and unauthorized from the escrow funds for home- owners insurance coverage, while there was in force coverage from XXXX XXXX XXXX , my current carrier. I never signed on with this other company as well as not notified Chase that I authorized a switch of carrier. Chase is now having problems with replacing my funds ( {$650.00} ) to the escrow as it shows ( ( - ) minus. Chase mismanaged my escrow acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was unemployed for approximately 6 months without income in 2014, and during this period my studend loan interest was accruing, and I was not aware I could have this deferred. I have tried to retroactively defer the accrued interest, but he debt collectors say nothing can be done. 

Please advise. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received a letter at my work address from Chase Cardmember Service dated XXXX XXXX, 2016 concerning a request for my attorneys address for an account ending in XXXX. I have not had a Chase credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Credit Systems of the Fox Valley, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I found out that I had a medical claim against me using my maiden name and an old address from before XX/XX/XXXX. They said I had lab work done on XX/XX/XXXX when I did n't even live in that state, nor have I ever visited their facility in my life. I also was married and XXXX on XXXX that had me XXXX multiple occasions in XXXX. This claim is from XXXX. Not sure if this is identity theft of what but it could not be from me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Universal Recovery Corporation
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Universal RE is on my credit history for XXXX. I have no debt to them. When contacted XX/XX/XXXX, they acknowledged that it may have been from my childrens XXXX school class photo. I explained that we always paid by check and that after checking my records with banks ( in accounts that are now closed ) there were no overdrafts or ISF listed. They acknowledged I have no account or account numbers with them. This is from XX/XX/XXXX. Yet it is a mark on my credit. I asked that they remove it. They did not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
td bank charge me {$35.00} return fee, when it pending payments. while i had money to cover pending payments, which i deposited.on XXXX XXXX 2016 i had payment pending from few payments .i had enough to cover payments they still charge me {$35.00}. they refund me $ XXXX.td bank abusing customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
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:
I noticed a few accounts on my report I do not recognize XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX, I entered a debit reduction agreement to pay off credit card charges and also requested an account closure of an American Express account. Part of the agreement with XXXX XXXX , XXXX was to close accounts and destroy the card, which was completed. XXXX, XXXX a written request was mailed to American Express to also send a return written notice confirming the closure of this account. The account has been successfully paid in full. Instead, a mailing stating a " statement balance will change with recent activity on your account '' was mailed with their notice to call. The card was destroyed and no intent to use on my behalf. American Express notes cancelling the account -yet will not send notice of CLOSURE. My request is simple. A closure notice, no further activity and yet American Express would prefer to upsell their product/credit card. Help?! Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

XXXX - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home mortgage is with Ocwen. They were supposed to set up an escrow account for our property tax and insurance. They did not do this. We have been paying our own home insurance from the beginning. Our insurance provider has tried multiple times to coordinate with them, but to no avail. For this reason, I have been paying just the mortgage amount, no escrow. They are now demanding the escrow account be paid up, even though when I call customer service, they tell me I do not have an escrow account. I do not want to send them any escrow money, since I am paying my insurance and taxes on my own. I am unable to obtain a satisfactory answer from their customer service department. All they do is assure me they have put my question into the " system '', but there is never any clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Citigold customer service has sent a letter denying my {$400.00} promotion for opening a savings plus account and depositing XXXX with them. Every representative officially has confirmed that i should be getting the {$400.00} promotion in my account. I am including proof of that as well. My frustration is that after waiting for 6 months, citi has declined paying out the promotion. I would like to be compensated for all the inconveniences in additon to the {$400.00} promotional offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, a special offer appeared on Citicards for the Citi Thank You Preferred Card. The offer was for XXXX bonus points after making {$0.00} in purchases within 3 months of account opening. The typical offer is XXXX bonus points after making {$1500.00} in purchases within 3 months of account opening. So the improved offer certainly did n't seem out of the realm of possibility but rather seemed like a limited time offer that I wanted to take advantage of. I applied for the card and was approved instantly. 

After being approved, reports started to circulate around the internet that Citi representatives were informing card applicants who called that the offer was a mistake and that it would not be honored. 

I also chatted with a Citi agent online who informed me the offer was a mistake. 

Whether it was a mistake or not is irrelevant here. I went to Citi 's own page, the offer was clear as day ( I took a snapshot and will attach in this complaint ), I applied for the credit card based on the offer and was approved. It can not be that a credit card company changes the offer after an applicant applies for and receives the credit card. It is outright fraud and the credit card company must honor the offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
enhanced recovery co ( ERC ) WAS PAID BY ME ON XXXX/XXXX/2016. 
THEY WERE COLLECTING FOR XXXX, ORIGINAL CREDITOR.THE ORIGINAL AMOUNT DISPLAYED ON XXXX, XXXX AND XXXX WAS XXXX.THEY CHARGED AN ADDITIONAL FEE FOR A TOTAL OF XXXX.ACCORDING TO XXXX ( CA ) FDCPA IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX 'S ORIGINAL CONTRACT.ALL XXXX BUREAUS DO NOT DISCLOSE THE AMT PAID AND DATE PAID BY ME WHICH IS INCOMPLETE INFORMATION BY A FURNISHER ACCORDING TO FCRA AND I UNDERSTAND WHY THEY WOULD WITHHOLD TO CONCEAL FDCPA VIOLATION AS WELL AS FCRA VIOLATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: Van Ru Credit Corporation
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am repaying the debt to XXXX XXXX and Van Ru continues to call even though I pay on time to XXXX XXXX. When they call, Van Ru requests me to verify who I am by giving them the last XXXX digits of my social security #. When I say you called me so why do I need to verify they repeat what they requested and say when you 're ready to verify call us back. I continue to receive these calls even though I am paying directly to XXXX XXXX. This was agreed to by both parties.

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 2015-09-10
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an erroneous collection report from XXXX that continues to show on my credit report. I have written the collection agency about this item and they do not show an active or closed account with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Originally I purchase car insurance from XXXX, I was late on a payment in 2015 and they cancelled my policy. Because they did not accept any on line payments it was difficult to get the payments in as I had to go to a location to pay my monthly payment as I did not have a checking account at that time. I went to one of their locations and they refused to reinstate my policy, yet they were insisting that I pay the full premium left for the remainder of the year. I would not and got insurance through XXXX XXXX XXXX which I continue to have. XXXX or XXXX called me several times to insist that I must pay the full year premium under their supposed disclosure, whilst not providing insurance. This was back at the through the end of last year and further they are stating that it is current. Since insurance was paid for in advance and when they cancelled my policy it was for coming month, not for the month that had passed. The crux was that while they refused to reinstatement, they insisted to collect the entire annual premium let. Something I believe to be very wrong, especially since I had to obtain insurance from another company. This collection and negative listing on my credit report is extortion and an attempt to damage my credit score which is hurting my ability to qualify for a mortgage loan which I am in the process of obtaining. I truly appreciate your efforts and services as it allows for consumers to be protected from fraud and extortion. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
TODAY I RECEIVED A LETTER SAYING THAT THEY TERMINATED MY ABILITY TO USE MY CREDIT CARD WITH FIRST NATIONAL BANK, OMAHA. INCLUDED IN THIS LETTER, WAS A DEMAND FOR THE CURRENT BALANCE OF {$250.00}. THEY INCLUDED A CONTACT NUMBER TO MAKE IMMEDIATE ARRANGEMENTS TO PAY THE OUTSTANDING BALANCE. WHEN I CALLED, THEY INFORMED ME THAT THEY HAD TERMINATED THE ACCOUNT, DUE TO A SERIOUS LATE AND NO PAYING BEHAVIOR PATTERN. WHEN I SPOKE TO A LADY, SHE STARTED NAMING OFF DATES THAT BOUNCED CHECKS, NFS AND CONSISTENT LATE PAYMENT BEHAVIOR WHILE USING THEIR CREDIT CARD. FIRST OFF, I DO N'T USE ANY CHECKS. THEY REFUSED TO GIVE ME THE CHECK #. WHEN I ASKED THEM TO SEND ME A LETTER DOCUMENTING ( DATES ) BOUNCED CHECK NUMBERS, CONSISTENT NFS AND LATE PAYMENTS, OVER THE PAST YEAR OF HAVING THEIR CC., THEY SAID THEY COULD NOT DO THAT. THEY THEN SAID THEY WERE REFERRING TO AN NFS ON XX/XX/XXXX & XX/XX/XXXX AND A BOUNCED CHECK ON XX/XX/XXXX, PLUS THE ATTEMPTED TO AUTO DEBIT XX/XX/XXXX BUT I HAD CLOSED THE ACCOUNT. I AM NOT REQUIRED TO HAVE AN AUTO PAYMENT ARRANGEMENT. THIS WAS CREATED TO MAKE SURE THAT I DID N'T FORGET TO PAY THEM AGAIN. I CLOSED THE AUTO PAY ACCOUNT AND MADE A ONE-TIME PAYMENT ON THE XX/XX/XXXX. THEN THEY SAID THAT 2 LATE PAYMENTS CONSTITUTED A VERY SERIOUS DEROGATORY PAYMENT PATTERN, BEHAVIOR. TO BEGIN WITH, THIS WAS AN ACCOUNT THAT I HAD TO PAY TO OPEN AND I THOUGHT I HAD A GOOD PAY HISTORY WITH THEM. I DO NOT WANT THE ACCOUNT REOPENED. INTENT IS MY CONCERN. THIS ACTION ALLOWS THEM TO SEND A BAD REPORT TO THE XXXX CREDIT BUREAUS AND BY ASKING FOR THE TOTAL BALANCE, WOULD ALLOW THEM TO FURTHER DO THEIR CHARACTER ASSASSINATION, BY COUNTING THE DAYS IT TAKES TO GET THAT TOTAL OUTSTANDING BALANCE. INTENT IS THE ISSUE HERE, AS I SEE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
My Visa credit card Account # XXXX. US Bank advertised {$60.00} annual fee for a credit card with a benefit of second night free on any reward. They still charge the fee and refuse to return it, but discontinued the benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: Debt Recovery Specialists
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Got a call from drs in XXXX, wa from a XXXX called back because I missed the callShe threatened that id be arrested over a debt because writing a bad check is illegal. Plus I notified the company that in XXXX proceedings ex was awarded bills and house. There is a restraining order in effect and my ex gave them my grandmothers phone number. 
These people are violent when they talk. They keep repeating that you 'll be prosecuted and jailed for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ND
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
ACE CASH services have been threatening me to take me to court or for an arrest warrant for a loan I never took out. They send emails and call me constantly and try to get me to pay a debt thats not even mine. Very unprofessional and rude

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother became very ill and got behind on mortgage payments. Up until that time she was never late. My mother has since passed away. The deed is in my name, and the mortgage in the Estate of my mother. I was paying mortgage payments after my mother passed away to XXXX XXXX XXXX. I was in the middle of an assumption and a modification, With XXXX XXXX, when they sold the loan to Rushmore Loan Management, who said that they do not do modifications or assumptions. Rushmore stopped taking my payments, and now the property is in foreclosure with a sale date of XXXX XXXX, 2016. I can not lose this property as it is a family home. They are unwilling to work with me. I make the money to make payments. I just need them to be willing to work with me and finish what XXXX XXXX started.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: DISCOVER BANK
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Discover Bank has failed to honor their promotion to credit my account with {$100.00} after I opened and deposited {$1000.00} into a checking account. Please read the attached Discover Bank messages. In the XXXX/XXXX/15 message Discover Bank clearly states that I met the requirements for the {$100.00} and it would be deposited to my account on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: ProCollect, Inc.
State: TX
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:
Date : XX/XX/2022 Amount : XXXX Account Status : Derogatory COLLECTION / CHARGE OFF Have paid the balance on this account and it shows a total of XXXX owed but is still showing up on my credit 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 2015-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
All XXXX credit reporting agencies are reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation