BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am  XXXX  and have major financial obligations, in addition to struggling with student loan repayments, I spoke to Navient  XXXX /2017 and was told that my payments will be increased in  XXXX  to over {$700.00} I ca n't afford an increase -- I can barely pay the payment now. In the past I 've been given forbearance and what I wish I 'd been offered in a repayment plan based on my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: National Credit Systems,Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Services failed to comply in removing collection account from my credit reports ( XXXX & XXXX ). Per their response to my previous cfpb complaint they stated that the collection will be removed. 


Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response NCS has closed the account and is requesting the removal from the credit report. We will no longer be pursuing based on the information provided does not match what we have on file, we apologize for any inconvenience. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection was put on my credit report, debt does not belong to me, has been resolved months ago, and collection agency sold the debt over agian. Illegal to resell a debt that has been resolved.

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 2017-06-13
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
****THIS IS NOT A DUPLICATE COMPLAINT*** *****additional information is attached. ***** Recently I disputed these accounts on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I do not owe your company any money. Additionally, I know it is illegal for a collection agency to collect on behalf of another one. How can a collection agency extend credit to consumers? They simply ca n't. Since you ca n't produce a contract between me and  United Collection Service  these accounts need to be deleted from my credit report. You are in violation of both the FDCPA, HIPPA & THE FCRA. If these listings are not removed from all  3 o f my credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.  <P/> In th e US  law encyclopedia,  XXXX   XXXX ,  73 Am Jur 2d.  Sections  90-93  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Chase Auto Loan Account Number XXXX had a listed balance of {$930.00} as of XX/XX/XXXX on a loan that matured onXX/XX/XXXX which should have been the last payment. The payoff quotes stated projected payoffs of {$1200.00} if payoff was done on XX/XX/XXXX,  and a separate payoff of {$1200.00} if paid off on XX/XX/XXXX <P/>The loan was created at the dealership with a {$320.00} monthly payment but a calculated amortization shows payment of {$320.00} a month. A request was done to Chase Auto Finance on 6 different occasions to get a copy of an official Amortization Schedule to confirm the calculations of the payment and interest allocation over the life of the loan. Each copy received had {$0.00} in each row and column for Principal, Interest and Balance.
<P/>
I have contacted Chase to settle to correct balance contingent on a Amortization Schedule. They have since sent the account balance to a collection agency who attempted to settle the balance but unwilling to correct the 3 lates on my credit report. <P/>I believe it is Chase 's responsibility to validate the debt they say I owe. I made all 60 payments on my loan and should not have an outstanding balance of over {$900.00}. Payment history will show that even on later payments I paid more than the minimum as well as payments that were on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
First, I sold my home and used the proceeds deposited into m y Citibank checking   account to make multiple online payments to credit card balances at other institutions usin g Citibank 's online bill pay. Citibank closed my checking account within the week. 3 months later, Citibank closed my credit card account, which I have used frequently for 9 years. I always try to maintain my credit limit utilization to under 80 % to the best of my ability. I have diligently managed my balance with Citibank over the years and never missed a payment. Citibank closed my credit card account and they are not providing me with any phone numbers for additional details. I have to hand write a letter to a P.O. box to even get any details about why my account was closed.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Well, I just filed a complaint recently about Bank of America. Well we got a letter from XXXX XXXX My husband did call her she apologized etc. Well she said she needed more time to look into this she told my husband she would call him Wed,XX/XX/XXXX She said between 2 and 3 yes he carved out a time at work and waited for a call, guess what, no phone call We get a letter Friday XX/XX/XXXX " apologizing '' saying she needed more time. First of all a poor way to do business That is like I make an appointment and do n't show up and then send a letter or a email 2 days later. Poor customer service. Mean while my husband went to to the local bank of american and spoke to the manager and he agreed, he could n't get away with sending a letter saying he missed an appointment. Meanwhile she claimed in her notes she called, todayXX/XX/XXXX She did n't call and if she did no voice mail.She promises to call but does not. Bank of america seems to be known for lying. My husband had his phone on all day. Meanwhile we still got 2 different payments and nobody can answer our questions. One payment is XXXX and XXXX I can praise the bank manager XXXX nice guy, If we honestly do n't hear soon from bank of america mortgage, our next trip is to XXXX NC to the main bank. <P/>I will keep on complaining and complaining until someone answers our questions. We are tired of promises they do not keep. Poor customer service.

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 2017-06-13
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company by the name of   XXXX   XXXX   XXXX   contacted me on  XX/XX/XXXX  stating that they were collecting a debt fo r US B ank. The amount they were requesting was {$250.00} with interest of {$270.00} totaling {$530.00}.  <P/> However, I know this issue was sastified on  XX/XX/XXXX  directly with  US Ban k. I personally contacted  US B ank, and was informed that they have no record of any outstanding debt with me.  <P/> Please be aware of such a scam. The person that attempted to collect this debt is with   XXXX   XXXX   XXXX   Her name is  XXXX   XXXX  and her phone number is  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: AFNI INC.
State: IA
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:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH AFNI, INC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I have student loans with XXXX XXXX XXXX that are reporting to have late/missed payments. I have worked with XXXX and it seems they have sent an update to the credit bureaus and the status still has not changed. I have 13 accounts with XXXX and 11 are showing past due on XXXX and XXXX of 2019. Since these loans were taken out they have always been in deferment. 

I have made numerous attempts to dispute this information. The only response that I am given, by mail is that the accounts have been verified. I have requested documents showing the investigation results and after 2 years none has been provided. 

In addition, I have been in contact with XXXX and each time I am advised the notification was in fact sent over to the credit bureaus.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
TransUnion is reporting 3 Dept of Ed XXXX accounts inaccurately. 
The accounts are all paid and closed. The items they are reporting inaccurately are The payment status : they are reporting " late 120 days '' this needs to report the CURRENT status as paid as agreed. 
The two year history is outdated, they are reporting over 4 years old. This needs to be removed. 

Ive included the copy of my credit report for all three accounts with the areas highlighted that are 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 non-monetary relief
Consumer complaint received 2021-10-29
Company: CCS Financial Services, Inc.
State: IA
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:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CREDIT COLLECTION SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: DISCOVER BANK
State: MD
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:
Someone authorized herself as an extension user of my discover card and she change my address on file, email and phone number so I wont know but I found it out too. From  XXXX   XXXX  to  XXXX   XXXX ,    2016  she spent like {$5900.00} in a short time.  Discover card determined that there is no fraud in the accout. Im complaining the Discover car d. The same person also open a a  XXXX  CC last  XXXX  and steal all my info but the  XXXX  Cc accept the dispute right away because it 's clear to them that it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a request to have my name and address updated about a month ago and the credit reporting agency has not corrected the issue.

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 2017-06-13
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I was attending school back in  XX/XX/XXXX - XX/XX/XXXX . On   XX/XX/XXXX ,  I fractured my  XXXX  and I was unable to complete my schooling. I never received a certificate of completion or anything like that. In   XXXX  , I went to see if I could finish the courses that I missed. They told me I could and that they would contact me when they started again. A year passed and I did n't hear from them. So I tracked them down and asked if I could finish the courses that I missed. They told me I would have to pay for the course again. Obviously that was n't an option for me and I 've been paying on the loan ever since. My loan was for {$25000.00}. I 've been paying {$170.00} a month for about 9 years now which is roughly {$20000.00} dollars paid out, which would leave only {$5000.00} to owe. I still owe more than {$12000.00}! I have no idea what those payments are going towards. I only have a 3 % interest rate on the loan. Ideally, I would like my money back, either what I 've paid them, or refund the remaining balance and put a stop to the endless monthly payments. I 've told  Navient a ll of the above information and they told me I could take out another loan to pay them off, which is n't an option. And they were n't even empathetic to my unusual dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: ALTERRA GROUP, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a loan process back on XX/XX/XXXX for a conventional loan with the Loan Officer XXXX XXXX NMLS XXXX, he give us the pre-approval and he told us that everything was verified, he ordered a FHA appraisal, when I asked him why, he told us that it does n't matter which appraisal is requested that he can switch the loans and seller can do whatever they want. In the middle of the transaction he said that my brother did n't qualified for the conventional loan we told him that the contract was specific for a conventional and I do n't understand why he makes me paid for FHA appraisal. XXXX told us that we do n't have to worry that he will approve us for conventional loan and he makes me paid for a conventional appraisal and we will close onXX/XX/XXXX. OnXX/XX/XXXXwe received a Loan estimate for a FHA loan with a seller credit for {$5000.00} that we did n't requested and a credit score 5.5 % that we never discussed about, when I asked him why everything look different with that high rate he said that 's the only loan we can have, knowing the contract specific said conventional. This loan Officer does n't even have idea how insurance work he asked me to paid for a hazard insurance with my credit card, when I asked him why he said : " because I said so and you do what I said '', when I contacted the insurance company they do n't have Idea why the LO gave me those instructions they told me that Insurance will be paid with the closing cost at the closing, and title will be distribute the funds. We are loosing so much money for the lack of knowledge of this Loan Originator and his unprofessional way to tread a customer. I have all the documents and different text messages showing all the wrong instructions this Loan Originator make us do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY  XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  has put a claim of {$340.00} on my credit but even though I have disputed it with them and have asked them to prove the debt they still do not remove it. I want to file a complaint against this co.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A man called me saying I was being rewarded {$1000.00} from fafsa. He sent me the money but needed my chase info. I XXXX gave it to him. He transferred 3 different amounts of checks. And said he made a mistake. He calls back and says I need to send the money back or XXXX get in trouble. I sent {$1000.00} to XXXX XXXX he said his name was. I did but it is pending for review. He then said to send another amount to a different name. I felt uncomfortable and it felt too suspicious. So I blocked him right away. Hes been calling nonstop and I keep blocking the numbers hes calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: GA
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: STATE FARM BANK, FSB
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Was signing up for renter 's insurance with State Farm and she mentioned a reward points program, but never mentioned signing up for a credit card. She automatically ran a year 's worth or renter 's insurance to the new credit card. I just wanted to pay with the XXXX card I already have, never wanted to sign up for another card.

Company response to consumer: Closed with explanation