BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
in my XX/XX/XXXX statement from everbank I received a notice that my escrow account was XXXX short. contacted everbank. talked to XXXX, XXXX, and XXXX ( supervisor ) and was told by all XXXX that payment date for my escrow account by XXXX county had changed. I contacted XXXX tax assessment dept. ( XXXX ) and checked their web site. NO CHANGE IN DUE DATE!! 
recontacted everbank and they claim that in fact date has changed. 
I requested a copy of memo changing due date they refused, said none existed everbank XXXX loan # XXXX I asked to speak with escrow processing they refused to let me talk to them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Nelnet, Inc.
State: GA
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:
I started the IBR on XXXX/XXXX/XXXX with Nelnet , Inc. " Under the IBR and Pay As You Earn plans, your calculated monthly payment amount may not cover all of the interest that accrues on your loans each month ( this is called negative amortization ). In this situation, the government will pay the remaining unpaid accrued interest that is due each month on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the IBR or Pay As You Earn plan. '' This has not been happening on my account. My subsidized interest on my loans have been accumulating. No government payments have been applied to my account. My Principal Balance reflects no additional government payments have been applied to my subsidized loans online. I collaborated with -- 1. XXXX XXXX XX/XX/XXXX XXXX -- Discussed loan options and confirmed Nelnet received my recertification for IRB. User put me on hold and never returned. Gave her a negative review ... 

2. XXXX XX/XX/XXXX XXXX Verified Nelnet received my re-certification and told me it will take a week or two in order to process. Discussed the 3 year subsidized interest not being paid on my account. XXXX confirmed the amount suppose to be paid quarterly by the government but Nelnet does not give proof of payments added to accounts. I told him I need to see where the government payments were added to my subsidized interest. The web site does not reflect any government payments applies to my account. XXXX confirmed the payments have been applied quarterly but the web does not reflect this. My account needs to be analyzed and adjusted immediately. It appears the Government has been sending payments to pay for the subsidized interest on my account but the monies have not been applied to my account. I need to see in writing where the government has paid 100 % of my subsidized interest by XX/XX/XXXX. My account does not reflect Any government payments nor does it reflect any Decrease in Accrued interest and Principal Balance. My online account has proven the government payments have not been applied to my subsidized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are a total of XXXX OPEN accounts being reported with this agency. 

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Insight Capital LLC (NV)
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is XXXX XXXX XXXX.I received a call on XXXX/XXXX/XXXX from a private number stating I had a debt back in XXXX that needed to be paid and they have made several attempts to reach me. After I had told them now was not a good time, they told me " Good luck in court maam ''., At that time, I became panicked and heard them out. I started asking questions, ( who they were, when this debt supposedly happened, why they have n't tried to contact me before ) The woman stated they were the collection agency and the actual debt resided in a different company. They also told me my ex 's information of his email. They then started to confirm all of my information and asked me to pay now on that day or else someone ion my area was going to serve me court papers, and that would cost me well over XXXX to fix. I was very scared at that point and decided I better pay this bc I do not want that to happen, I transferred money and even called the bank to let the funds go through. After the transaction went through, the lady continued to call me stating they would email me the final paperwork to be signed ( sounded legit, bc I thought that 's how you would handle a debt collection ) so after me not signing for a few hours they called me back to sign the paperwork. I got home from work and signed it online that day and then received an email stating everything was ion close and then I saw the Insight capital LLC. I had then XXXX that company and realized it was a scam. HELP me please!

Company response to consumer: Untimely response
Consumer complaint received 2017-02-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
i have fraudulent names, inquiries, credit accounts, names and addresses that I have disputed and Experian XXXX and XXXX will not remove. 
please help me as I am a victim of fraud an after filing with the FTC I still can not get help from the credit reporting agencys

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 2017-04-08
Company: Receivables Performance Management, LLC
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 was paid

Complaint:
I have a paid collection with XXXX that was supposed to be removed from my credit report after payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: LA
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:
I was in a low interest repayment status that I have to call every year and get back in, I called in XX/XX/XXXX and spoke with a lady at Navient and she told me it was extended out for 15 months and we set up payment arrangements for every 2 weeks. I got a call today from someone else at Navient telling me that my program has expired and they are wanting to put me back in but interest rate went from 1 % to 5 % and I will need to pay the defaulted amount because it had expired in XX/XX/XXXX and it was for the wrong amount. When I tried to explain to them that I talked to someone back in XX/XX/XXXX, he told me she just extended the payments out but did not put me back in the program and that will still need to pay the {$500.00} past due amount plus the new amount which went from {$200.00} a month to {$400.00} a month. When I started asking why the man started getting rude was not willing to answer or work with me, he then put me on a 10 minute hold saying he was going to get his supervisor and after 10 minutes he comes back on the line and said his supervisor is busy but that he can get my interest from 5 % down to 3 % but that he can not do the 1 % because I did not set it up in XX/XX/XXXX, I tried to repeat it again that I did call and the lady did explain that it for that program he then started to get irate and hung up the phone when I would not give my approval for the 3 % interest. He told me if I wanted to get out from loan I would need to call a bank and get a loan for the full amount and buy them out. I have been in this program for 5 or more years and every year I go through the same thing, and they keep giving me the run around and call me once a week with a different number. I received my loans from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: D&A Services, LLC
State: FL
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:
I disputed accounts on my credit report that was not validated or 100 % accurate and this company did it properly investigate the items reporting I also filed a complaint with XXXX XXXX XXXX  I am filing this complaint on my own behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As a single mother of XXXX children, over the past 15 years, I have maintained to the best of my ability and income to keep my mortgage current. When my child support ended per our agreement, I experienced other hardships and I began losing hours and overtime pay at work, it became more difficult to keep current. Over the last couple of years my mortgage has been with Chase. I contacted them and requested assistance and to modify my loan payment to bi monthly to make it easier. They refused and when I submitted my documents for modification they only reduced my payment by {$40.00}. I also asked to have the PMI removed and again they refused. Now they sold my mortgage to XXXX and this company is immediately instituting the foreclosure process after I told them the house has been on the market for a year and I am willing to do a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Mobiloans, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am a senior citizen. I took out a loan with this company and was conned into taking out this loan. The loan amount was for {$1100.00}. 

I now realize that I am paying {$90.00} interest every two weeks on this loan UNTILL IT IS PAID OFF SENIOR ABUSE. I DID NOT REALIZE THE AMOUNT OF MONEY THEY WERE CHARGING ME. IT IS CRIMINAL

Company response to consumer: Untimely response
Consumer complaint received 2017-01-26
Company: Northwestern Mediation Services
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They called me on XX/XX/XXXX @ XXXX I answered they hung up, then they called my mother in law who lives XXXX hours away and is very sick, she calles me and I told her that i would handle it. I got home at XXXX and called XXXX @ XXXX they transferred me some where else that took forever for someone to answer and then this lady came on the phone. She was rude, her dog was barking in the background, she never told me her name I asked three times who she was. she told me that I needed to pay this amount now or they was going to take me to court and get everything I owned if not jail. I explained to her that I could n't right now and I wanted to know how the debt had gone from XXXX to XXXX and I paid XXXX on it XX/XX/XXXX she said they have higher rates and I should have known that when I started the card. I told I would ot be able to do it and I and she said that I wasnt hurting her if I did or not. I told her I was not trying to hurt her, but I needed to look into this. now at the first of the call I asked her to stop calling my mother in law and so after I told her that I was not going to set up payment arganments with her she hung up on me while I was still talking. I noticed that the phone was still on so I told my husband what was going on and that I was going to talk to an attorney. Then I hung up. My cell rang again and it was her she was yelling at me telling me that I was not my husband and I was going around getting credit cards in his name she was accusing me of theft and she was going to call his job and boss to inform them about us. she called me XXXX and told me I needed to learn to pay my bills she then hung up. Then my husbands cell rang and it had a different number on the caller id so i answered it she told me that she had recorded everything and was going to give it to the client and sue XXXX me. I told her that was fine and I was charging her XXXX a minute for harassing me and my family. She said go ahead I 'm sure you can find me like you find the money to pay your bills and she hung up.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-31
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: Account status incorrect

Complaint:
From XXXX to now I have been in contact with XXXX XXXX XXXX XXXX letting them know that I was going through financial hardship. My wife abandoned me on a military base, took my kids, my brother and father died and that my mother was in XXXX  and they vowed to help me but as soon as I left the military in XXXX XXXX XXXX XXXX XXXX repossessed my car and treated me like they never knew me. I recorded all my conversations and notes in this matter. I've been with XXXX XXXX for almost 20 years and to get this type treatment is unsat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Paper dated XXXX/XXXX/XXXX shows Chase did not pay my land taxes, although they took out the money, via my escrow account. The XXXX XXXX XXXX statement shows they paid the taxes the years they had the loan. I had to pay XXXX taxes myself, that 's when I found out Chase had not paid XXXX taxes either, this was about the time Chase sold my loan to XXXX XXXX. Now Chase will not reimburse the over XXXX dollars I wrote a check for on my XXXX taxes, or any money I paid to them on my XXXX taxes. Now XXXX XXXX has caught up my taxes to secure the loan resulting in my house payment increasing. I have included all paperwork to support this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to Dovenmuehle ( DMI ) late XX/XX/XXXX and from the start the loan was boarded incorrectly and the problems started. They decided to force-place flood insurance on my loan even though my loan documents at closing show flood insurance already in place and also more paid in advance. I also emailed the flood insurance policy on XX/XX/XXXX and they still could not get it right so i had to email again on XX/XX/XXXX. Now they force-placed homeowners insurance even though my loan is a non-escrowed loan and my original loan documents show the homeowners. They have also charged me late fees even though my loan payment was never late. I have to take time out my busy day to " justify and validate '' that I am correct versus DMI spending the time to ensure they have set up my loan correctly and instead of calling me to discuss and confirm accuracy, I have to go out of my way and spend time away from work to call them and correct what they did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Zenith Financial Network Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people are repeatedly calling me without leaving a message as to whom they are. I only found out they are a debt collection agency by calling their number and hearing a recorded message. The one time I did answer, the lady just said my first name but did not announce who she was or whom she was with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax refuses to remove the unauthorized inquiries off my report. There are 46 inquires on my report. 
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 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 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, 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 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 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 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 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 explanation
Consumer complaint received 2016-09-19
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX a supervisor, XXXX XXXX, claimed to listen to the call that I purportedly made on XX/XX/XXXX and made the following comments : " ( Chase ) will not release the recordings, but ( I ) can subpoena them. '' XXXX. This comment was made after I noted that both TILA and Regulation Z require all documentation used to make a decision regarding billing errors. 
On XX/XX/XXXX, Chase wrote " we received your XX/XX/XXXX letter.. However, the letter was insufficient. '' On XX/XX/XXXX Chase now claims that the letter was " not sent to the proper address. '' XXXX. The address to which the letter was sent is listed on a Chase website as a proper address. 
On XX/XX/XXXX Chase wrote " we consider our position to be final and we will no longer respond regarding this matter. '' Chase is refusing in writing, to the CFPB, to comply with both TILA and Regulation Z by providing information they are required to provide.

Company response to consumer: Closed
Consumer complaint received 2017-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dispute was submitted to XXXX was investigated and was removed from my credit report but is still being reported on my report by XXXX. Have contacted them with information showing XXXX removal but they are still showing it. This debt was satisfied. I was also included as XXXX of the class action suit individuals against them that was recently settled against them for phone calls to my cell phone in the past. Have n't received any settlement due to it but was advised I should after their appeal time ends. Old debt that was taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: U.S. BANCORP
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
After my husband was tragically killed, I canceled our XXXX credit card issued by U.S. Bank, submitting the required death certificate. When I sold a car some months later, XXXX XXXX sent a partial premium refund of XXXX to the last card used, which was this credit card. Even though the account had been closed, US Bank accepted the refund! Now they are requiring me to jump though hoops and submit testamentary letters to get the refund, which they promise within 90 days. I am moving in two months, and the post office will not forward mail from my XXXX XXXX because it is part of a larger entity and considered a business address. because I have no control over when US Bank will send this check, I have no assurance of receiving it after I move to California. 
1 ) Credit card company should be prohibited from allowing any activity on an account that has been closed! 
2 ) On active accounts, they should be required to pay interest at the same interest rate they are charging that particular customer on any credit balance in their possession, with an additional late fee of {$35.00} if the refund check has not been mailed in 60-days. 
I am sick of their predatory practices.

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 2016-04-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Opened an Auto Loan from Chase and made my first payment ~10 days early. Chase calls the other day and tells me that my first payment is late, DESPITE seeing the payment I had made on my account. When I explained to the representative who called what happened, she said that if you make payments via the automated phone system, then the payment will go to principle sometimes. She said she would take care of it but I still do n't know if this impacted my credit or my standing with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: DYNAMIC RECOVERY SERVICES, INC.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They called my parents house telling them I will be taking to court if I do not pay my bill

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: Maximum Title Loans, LLC
State: AZ
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Lender exchanged loan for legal services at " zero interest '' with legal service fees to be credit as earned. Lender has confirmed these terms in writing with the BBB and in numerous texts and email messages. If lender had done so as agreed, this loan should be recorded as paid in full by XX/XX/2013 at the latest. Lender has not repossessed the vehicle, but refuses to release the lien he has kept in place on my title with the state MVD, so I can not sell the vehicle. I also consider this failure to properly credit payment to my account and an improper attempt to collect a debt that is no longer owed.

Company response to consumer: Closed with explanation