BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5100.00}

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 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Other

Complaint:
I withdrew authorization for use of a business credit card in XXXX XXXX, 2016. I notified the bank card company and provided proof that authorization had been withdrawn this notification was XXXX XXXX, 2016 the bank ( Bank of America ) has not stopped the company from billing the card in spite of the formal complaint that has been lodged. I have been charged an additional 2 months. I have filed a complaint against the company as well for using the credit card without authorization. I am seeking immediate relief of these charges and the company stop billing me.

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 2016-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card
Issue: Transaction issue

Complaint:
I am beyond frustrated in the manner of which I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX XXXX 2014, to a company called XXXX in the amount of {$1500.00}. I have recently come to the conclusion that I have been victimized by an online business scam I have paid this company the total of {$3000.00} of which was done in XXXX separate credit cards, which the other credit card company refunded me the charge, so I do n't understand why Bank of America is treating my dispute this way. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation it is shameful that Bank of America was so quick to dismiss me.I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people praying on the old and vulnerable making promises and telling lies.A refund from these companies is in order. They did not provide the services as described.

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 2017-05-01
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Filed income based repayment paperwork approx imately sixty days before deadline. Paperwork wa s not processed ( even after several phone calls enquiring about status ). Full payment was billed in  XXXX . I was promised that the payment would be adjusted before the due date, but it was not. I have been promised that the  XXXX  bill will be put into " administrative forbearance '' ( so interest does not capitalize ) before the  XXXX  bill is due, while the payment adjustment is pending So far this has not happened. On several occasions I have been told either that paperwork will be submitted ( for example, for administrative forbearance ) and found out later it was not done, or told that an action would take a specified duration  ( eg 7-10 days ) to complete and later find out the time frame was actually 60-90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/XXXX I was injured and could n't work and fell behind on my Chase mortgage. During the whole time that I could n't work I maintained contact with Chase and they told me that they were going to work with me. On Monday XX/XX/XXXX I went back to work and I contacted Chase to inform them that I would be making a payment. On Thursday XX/XX/XXXX I received foreclosure papers and when I called Chase they told me that they will not accept any payments and that they would send any payments back. I owed them XXXX that I could have easily paid them. So I hired a mortgage legal group to stop the foreclosure process and help modify my loan and they was able to stop the foreclosure but Chase would n't work out anything with me .So Chase sent more foreclosure papers out and I had to hire another mortgage group to stop the foreclosure and try and get approved for a modification or a repayment plan. Chase turned me down again and just gave me the run around when I asked for an explanation for being denied. I spent XXXX or more with XXXX home mortgage companies trying to save my house when chase could have just accepted my payments. In the meanwhile my mortgage is getting farther behind and I could n't go get a loan to catch my mortgage up because its showing up on my credit for being late so I had to file for bankruptcy to stop Chase for foreclosing on me again and during bankruptcy they still would n't modify my loan or offer me a repayment plan. During this time I have continued to pay my house payment along with {$200.00} to {$400.00} extra per month. When I realized that my back payment was not decreasing I contacted Chase and was told that they were holding the extra money because they could n't apply it until they received a full payment. In the mean time my note is increasing further and further behind. Each time I contacted Chase they would tell me to re apply and to appeal my modification. Each time I was denied for different reasons. The only thing that they offered me is a short sale for my home. I am so stressed and tired of dealing with Chase that I 'm going to put my home up for short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Selene Finance LP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
This is probably my XXXX complaint on this same issue. We are on our XXXX bank because our loan continues to get sold. the complaint is with Selene Financial. We were working on a loan modification which would involve taking off the mortgage an ex wife and adding XXXX names onto the mortgage. It also involved reducing our mortgage to fair market value. After months and months of paperwork and waiting we finally made a deal and got the ex wife removed, and the mortgage reduced to {$270000.00}. This was the end of XXXX 2016. The stipulation was we have to make XXXX consecutive payments of {$2000.00} and after the XXXX payment the new loan would take effect. We made our payments as instructed and the day before the XXXX payment was due we were told our loan would be sold. When asking if they can get the modification done first I was told ( see attached ) the the new loan company would honor the agreement. That was the last I was able to communicate with our negotiator at Selene Financial. I had e mailed him and tried to call him numerous times after his last e mail because I wanted to make sure they sent over all the paperwork as there is no way we should have to do it all over again. We held up our end of the bargain now Selene needed to follow through with theirs. I found it interesting that they made the deal with us the same day the loan was sold even though we were not notified it sold until XXXX XXXX ... .This actually been a two year ordeal..the bank before Selene was horrifying as well and I had made a complaint to you about them. They conveniently sold our loan to Selene before ever doing a loan mod with us. I am just beside myself and fed up. All we want is a fair market loan, and a company to follow through with their promises. We called the new bank, XXXX and they said they do n't have everything and they still have the old mortgage and the original names. Meaning nothing of the new deal that Selene promised us is in their records. What I want is our loan Mod that Selene agreed to be in place ASAP with no more paperwork! It should have just transferred over since we did what we were supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a credit card with Chase. I believe their interest rate charging practices are unfair and deceptive. I had a statement balance of {$1300.00} with a due date of XXXX/XXXX/15. I made an online payment of {$1000.00} on XXXX/XXXX/15. I could not make a XXXX payment of {$310.00} until the next day because their online system only permits XXXX payment per day. I was charged interest of 12.24 % on a balance of {$1300.00} when only {$310.00} was XXXX day late. I was told by their unhelpful representatives that the interest is charged on not the balance overdue but also charges incurred during the cycle that have not yet come due. I believe this is unfair and deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-17
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have several problems with payments with Chase mortgage. My payment was reported 30 days late for XXXX and XXXX of 2016. I paid XXXX mortgage payment within the 30 days of it being due. The payment did post XX/XX/XXXX16 on their online site but Chase reported my payment 30 days late. Chase online site has had some technical difficulties by their staff admittance. I logged in on XX/XX/XXXX16 scheduled a payment. The payment was never processed. I had to call in to make the payment. XXXX ( supervisor ) admitted the online site has been malfunctioning and applied for a credit amendment for the incorrect reporting. Chase seems to be having problem on managing payments and the problem needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX by XXXX  Account # XXXX by XXXX Account # XXXX by XXXX Account # XXXX by XXXX Account # XXXX by XXXX XXXX Account # XXXX by XXXX Account # XXXX by XXXX Below is a list of creditors who obtained my credit report without my written instructions : XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information : Cases under title 11 or under bankruptcy act, civil suits or judgements and records of arrest that antedate the report by more than 7 years, paid tax liens, accounts placed for collection, or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: TX
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 have recently reviewed my credit reports and the following information is inaccurate : XXXX XXXX acct # XXXX has a XXXX  Balance and Furnisher agreed to drop from reporting and XXXX XXXX has failed to comply! 

-XXXX  XXXX XXXX have three accounts with a XXXX  Balance and Furnisher agreed to drop from reporting and Experian has failed to comply! 

XXXX XXXX  account # XXXX has a XXXX Balance and Furnisher agreed to drop from reporting and Experian has failed to comply!

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 2015-04-06
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received a property tax refund from my county for last years taxes. Check has been deposited into my escrow account and loan servicing center will not return this to me. Escrow balance is currently over the amount i owe for the year 4 months into the year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
I was informed my bonus check from work would be late. I immediately called American Express and asked what my options were as I wanted to do my due diligence having been a client of there 's for 11.5 years with excellent credit history. They informed me to make certain payments by certain days and they scheduled these withdrawals from my bank account. The account was paid in full and satisfied with their procedure. They turned me over to the credit bureau for being 30 days late after I did what we agreed upon to stay in good standing. This is not fair, they lied and I would like the 30 day late fee removed immediately as it is harming my credit score and I 'm trying to get a mortgage. I have the conversation on their recorded line and all statements documenting all payments made in a timely order as we agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Nelnet, Inc.
State: CA
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:
During college, I took out a loan from Nelnet for {$3500.00}. Unfortunately, I forgot about the loan because the company sent me repayment information to my old university email, which I no longer had access to after graduating XX/XX/XXXX. Then on XX/XX/XXXX, I was notified of a delinquency on my credit report. I looked into it, and discovered that my Nelnet loan was now delinquent, as I had not made a single payment. Realizing my mistake, I called Nelnet to try and fix the situation. The loan officer promised on the phone that if I paid off the loan in full right now, Nelnet would remove the delinquency and it would not affect my credit score in the future. Because of his promise, instead of making monthly payments on the loan, I paid off the loan in full using my savings. I called two more times after I paid the loan to make sure everything was paid off completely. Both times, the loan officers ensured that the loan was paid off, and that the delinquency would be removed. I assumed everything was done regarding my Nelnet loan. 
However, I checked my credit score earlier this month, and my credit score dropped again. I called XXXX, and the XXXX agent confirmed that my NelNet delinquency was still hurting my score. My delinquency was still on my credit report, unlike what Nelnet had promised. I called Nelnet today to clear up the issue, and the agent this time sang a completely different tune. The agent said that delinquencies can not be removed, and that the delinquency would stay on my report for 7-10 years. I explained that I had paid off my loan in full because I was promised that the delinquency would be removed from my credit report. The agent said she would " look '' into the recordings. But 5 minutes later, she came back saying the recordings could not be found because they were too old. I am very frustrated because I think Nelnet should still have access to the recordings as they are not even a year old ( XX/XX/XXXX ), and may be hiding the calls on purpose. I am also frustrated that Nelnet promised to remove my delinquency, and now claim that they are unable to do so under any circumstance. I researched online people getting delinquencies removed from their credit report, and I am certain that Nelnet can do so also. The Nelnet agent I talked to today said she would also submit a complaint to her supervisor, but I am very skeptical. All I want is for the delinquency to be removed from my credit report as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have asked three times for my loan payment option to be switched to the revised income based plan. They have told me every time that it will go into effect the next month but it never changes. I have all of the messages saved. This month the payment was even higher. It jumped to {$270.00}! I ca n't afford for them to keep doing this to me. If it is n't lowered like iced asked multiple times I am going to have to defiant on my loans and I do n't want to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last week I have routinely received XXXX calls a day on my cell from XXXX XXXX XXXX. ( this a.m. they started at XXXX ) When I XXXX this number, I found others have been complaining for XXXX years. It belongs to Receivables Performance Management, a debt collection company, apparently. I do not take their calls and they do not leave messages. I do n't owe anyone anything, so how do I get them to STOP. They only have my cell phone, not my landline or my husband 's phone. I do n't answer any caller I.D . that is n't recognized by my contacts list. I 've had this phone on the DO NOT CALL LIST for over XXXX years!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan with HSBC Bank. The bank began processing the loan on XXXX XXXX, XXXX. In XXXX, an appraisal was conducted and because I was requesting a coop refinance, the coop questionnaire was completed by the coop in XXXX which delineates all the circumstances of the coop. XXXX XXXX I was issued a commitment. However, XXXX XXXX, XXXX HSBC rescinded the commitment stating the loan was declined because of the coop flip taxes. My complaint with the bank is the length of time it took the mortgage to process, almost 5 ( five ) months. But more importantly, the bank had the information in XXXX XXXX regarding the coop flip taxes as well as other essential information regarding the coop. If HSBC felt the coop did not qualify for the loan. I SHOULD HAVE BEEN DECLIENED IN XXXX OF XXXX not 3 months after the COMMITMENT was issued!!!! In that time the interest rates have increased as well as I could have went to another bank that would have accepted my coop flip taxes. I feel HSBC was egregious and grossly negligent in the time it took to process the mortgage, and I am angry that a commitment was issued and HSBC will not honor it!!! HSBC did not handle my loan professionally and I feel HSBC is a large bank and they do not care about the average consumer. I hope there is some recourse federally. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Receivables Performance Management, LLC
State: AZ
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 entered into contract with XXXX under false pretenses. Salesperson enticed us to sign XXXX program contract stating the benefit was if we left XXXX we would not incur Early Termination fees. When we left, we incurred exorbitant early termination fees. They have not removed the fees even though I have disputed them since they have tried to collect them.

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