BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company refuses to tell the whole story- eliminating critical data which favors the borrower and any lender may wish to see. They in effect provide an incomplete statement and misleading! " This item already reflects that it has been paid. Whether the item was paid in full or paid in settlement, this item can not be disputed using this reason since it is already reflecting as Paid. In paying this obligation if you did not meet the terms of your agreement, in addition to reflecting as " paid, '' the account may also indicate the number of days you were late with your payments, including whether your account was Charged Off or in Collections prior to being paid. '' The rest of the story the fact is this lender NEVER attempted to resolve the debt even after multiple attempts at contact. CFPB reports opened as well as with other agencies.

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 2016-09-30
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In reference to case # XXXX The information attached, shows that Selene Finance made false statements to the CFPB on page XXXX of their reply labeled XXXX. " At the time of the servicing transfer, the loan was due for the XX/XX/XXXX through XX/XX/XXXX contractual installments and had an unpaid principal balance of XXXX " They also show that Selene falsified information during our refinance XX/XX/XXXX refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had a student loan from XX/XX/XXXX.for {$2500.00}. I paid it off through the XXXX XXXX -state trustee consolidation loan program in XXXX XXXX CA . I kept getting billings from different collection companies every two years or so - I would mail them a copy of my paid in full notice from the trustee. after a while, I would get another notice from a different company and repeat the procedure. I was told that the loan kept being sold to different companies - then in XX/XX/XXXX my wages were garnished WITHOUT PRIOR NOTICE and they took more than half my wages for two years -- each paycheck WITH NO PRINCIPAL REDUCTION stating that I owed {$19000.00} which resulted in my losing my home -- despite the fact that I drove to XXXX CA and TO GET THE WRITTEN PROOF and had to purchase the documents from the government warehouse showing that I had paid in full - which I sent to them -- NOW XX/XX/XXXX -- I have n't heard anything until recently and yet another NEW collection company says I owe {$13000.00}. 
I paid the loan of {$2500.00}! - I am approaching retirement and I am frightened that I will die with this horrible injustice unresolved. There have been approximately XXXX different companies that have sent me notices to send them money. during this process, I had my social security number stolen and used by someone named XXXX XXXX who got a governed loan with it. 
I have suffered enough - I had to file bankruptcy in XX/XX/XXXX and told the attorney I had this student loan problem - he advised me to put it on my bankruptcy list so that I could just be done with it. -One of the collection people told me that I now have to pay this XXXX XXXX student loan because I put it on my bk papers. I WOULD LIKE THIS TO STOP and I would like my money back that was taken from me erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I always deposit my benifit check using mobile app now on XX/XX/XXXX bank debit {$1200.00} from my account reason not clear and when I call o been harres by bank employee and for that I was going through XXXX XXXX  they call me a fraud also by taking that money from my account herd my credit score also they change the data on my mobile checking account, violate invite my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
In XXXX 2016 I started to become ill back-to-back. I began missing work. My XXXX missed an XXXX I found out I would need XXXX which would be expensive even with my insurance. I called XXXX XXXX and XXXX to see what my options were as I would not be able to afford both at the same time. My loan payments almost XXXX XXXX or more with navient. I explain to them the situation and was on the phone for an hour being bounced around departments because nobody could help me because my loans were not currently late. no they 're not late I 'm trying to avoid them being late and ruining my credit. Finally I in tears spoke to a woman named XXXX on a crisis team who told me she could not help me because they were n't late but she said that I should just take 3 months to save my money not answer the phone when they called and as long as I did n't go over the three months my credit would not be harmed. This was false. I have a ton of late charges and it has been reported to the credit agency. My main complaint is that navient would not work with me until my loans were late and they still are not offering any help. I am a single person there is only XXXX income and I have been ill. My loans have stayed up to date until this issue and navient was unwilling to work with me. They literally word for word told me that they could not help me because I was not late yet when I asked about getting lower payments or anything like that they said they could not look at that until I was late when I explain my hardship about my tooth and my illness they said they could not offer me any help my loans were still due at the full amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I had noticed unauthorized charges on my Capital One account and contacted the Fraud department, I reported the transactions and was credited back. However then I was re-billed for those same fraudulent transactions, even after both Capital One and XXXX  indeed verified it being fraud. 

I contacted XXXX and they admitted it was fraud and that they had " taken a loss '' yet I am still somehow responsible for these charges I did not authorize? 

We validated it as the items were delivered to a random address I am not associated with. 

I was re-billed on XXXX XXXX for {$32.00}, {$48.00}, {$64.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: GA
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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers listed. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my mortgage with XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to Seterus. I had no prior notification from Seterus about my loan is being transferred. I ca n't make my XX/XX/XXXX payment on the due date because I have no information where to make my payments. I wanted to verify my ending balance with XXXX XXXX XXXX but all of my prior information, including my prior monthly statements are all gone. I was finally able to sign up an online account with Seterus and got a copy of my initial statement. But there is no way I can verify the beginning balances with Seterus are correct. And I realize that they had charged me {$250.00} legal fee to my account. I dont believe its fair for me to pay for any legal expenses on sales transactions between XXXX XXXX XXXX and Seterus. When I called Seterus to complaint, they refuse to refund this {$250.00} legal fee. Instead they gave me a PO box address and told me to write a letter to that address. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: Account information incorrect

Complaint:
This account was closed over three years ago in XXXX, however, the company just recently on, XX/XX/XXXX, reported on my Equifax credit report that I had a late payment in XX/XX/XXXX, which is not possible since the account has been closed for more than three years. This information is incorrect and inaccurate should be removed from any and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
NCC has been mailing and calling me for about 4 months now. I sent 3 cease and desist letters and they still keep calling and mailing me. I even told one of the collection agents that I sent 3 cease and desist letters. She said she would make a note of it, but the collection activity continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are a few accounts on my report I do not recognize.

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 2016-04-05
Company: Finance of America Mortgage LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am enrolled in a equity accelerator program. In XX/XX/XXXX I refinanced my mortgage with PMAC. In XX/XX/XXXX the mortgage was transferred to Finance Of America for a sort duration. I was told that Finance of America took over the day to day operations of XXXX. In XXXX XXXX the mortgage was transferred to XXXX. XX/XX/XXXX a payment was mistakenly sent to PMAC instead of XXXX. The check was received and cashed. I have been working with no success to have the payment sent to XXXX as my mortgage is lagging a month behind, and I have been reported to the credit bureau. Finance of America is telling me that they are researching the issue, but it has over five days and every day I call and every day I am told that there is no update. I am very frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
A company pulled my credit report without my consent or authorization. Hard inquiry!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice to appear at small claims court in XXXX, MA on XXXX/XXXX/XXXX for a XXXX XXXX.. The case was with XXXX XXXX XXXX for an old credit card bill I owed to XXXX XXXX XXXX in the amount of XXXX + ore-judgment interest of {$33.00} and court fees of {$50.00}, {$720.00} total. 
I got behind on some several credit card bills when I went through XXXX treatment in XXXX. I am a single, divorced woman, XXXX years old. I am employed as a XXXX and was out of work for XXXX months during my treatment and went back to work part-time for five months before being able to return full-time in XXXX. 
The lawyer for the case was XXXX XXXX of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I fought to get the amount lowered because of excessive interest I ha been charged, and the Agreement for Judgment was that I would pay {$20.00} a month on the amount of {$460.00}. I made these {$20.00} payments each month until last XXXX, when I forgot to mail the payment on time, I worked on XXXX XXXX and XXXX to make a little overtime money and save the holidays for snow days, ( which came in handy ). The check I filled out to mail was dated XXXX XXXX ; however I decided to send {$40.00} instead and mailed the check on XXXX XXXX. Because I put " XXXX '' as the year, the check was returned to me. I promptly send XXXX for {$60.00}, which covered XXXX, XXXX, and XXXX payments. I have my bank statements to prove that XXXX received the XXXX check. However, On XXXX XXXX I received the XXXX of a number of harassing letters telling me I had failed to comply with the order and to contact their office. I made my payment of {$20.00} in XXXX and was aware that I had a " Payment Review '' coming up on XXXX/XXXX/XXXX. I was angry that XXXX was sending me these letters and would probably force me to pay the whole amount or even add penalties, so I sent them a letter on XXXX XXXX, XXXX and enclosed a check for the balance I still owed on the original {$460.00}, which was {$160.00} according to my records. In the letter I explained how I got slightly behind on payments at the end of XXXX. I did not go to the court review because my XXXX, XXXX, went to the XXXX for {$15.00}. '' I received a warrant from the XXXX County Sheriff dated XXXX/XXXX/XXXX to appear at XXXX District court on Wednesday, XXXX XXXX at XXXX. I am assuming that this warrant was sent from XXXX. I would like it if someone would accompany me there, but if this is not possible I will inform you about what happens at court on that date. Thank-you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
RE : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX / Bank of America Topic : Bank of America responded in a satisfactory manner. 
Complaint : The former executor, XXXX XXXX XXXX, withdrew funds via an ATM Card and checks - beginning with the date of XXXX XXXX XXXX 's death - from Bank of America Account # XXXX. 
However : Bank of America was not notified by the Civil Service Annuity regarding XXXX XXXX XXXX 's death until XXXX/XXXX/2013. The former Executor, XXXX XXXX XXXX, also did not notify Bank of America ( for her own reasons ). Additionally, Bank of America requires a copy of the death certificate - Bank of America did not receive a copy of the death certificate until XXXX XXXX, 2013. Upon receipt thereof, Bank of America did close the account. 
Result : Issue resolved. We will continue to work with Bank of America and the Civil Service Annuity Department to assure that their policies will be reviewed. Furthermore, Bank of America will file a claim on behalf of the Estate for the ATM withdrawals and checks. 
For reference, please see XXXX Thank you. 
XXXX XXXX XXXX, Administrator with Full Authority, Estate of XXXX XXXX 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 explanation
Consumer complaint received 2015-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XX/XX/XXXX, I expressed interest in XX/XX/XXXX, XXXX ( XXXX ) that I found on XXXX, at a dealership named XXXX TN. I was instructed to go back to the website and apply with their lender, XXXX XXXX. I was pre- approved for {$39000.00}. ( XXXX ) I was emailed contact info from XXXX XXXX, though I eagerly anticipated purchasing this vehicle I stopped hearing from XXXX.On XXXX XXXX, I emailed XXXX XXXX ( XXXX ) and told him I was no longer interested in purchasing that vehicle or doing business with them. I asked that they properly discard my personal info and since I was pre approved, I should not be receiving a denial letter. I found a XXXX, at a dealership in XXXX AL, I was approved on XXXX XXXX by XXXX XXXX and took a XXXX bus on the XXXX XXXX, signed the documents and drove my truck back to Georgia.Though I 've been driving my truck for almost a month, as recent as today ( XXXX ), my credit is still taking hits ( XXXX ) by being denied financing for a vehicle I requested that I was no longer interested in.Despite being pre approved by their lender and approved by XXXX, My credit is still taking hits!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 'm currently in bankruptcy and do n't understand why my balance still show XXXX owed.. I 've been paying since XX/XX/XXXX.. I do n't know if its because of how much I 'm paying or is it the interest.. I graduated in XX/XX/XXXX and the school that I graduated from is no longer here.. I do n't know if the charges are accurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We purchased a car from a Bank of America account holder on XXXX XXXX, 2015. A BOA notary notarized the bill of sale and we paid off the loan. To date, we nor the seller have received the lien release from BOA. We are being told that the document is in the mail. It has been over a week and we have not been able to get the car titled in our name. They have our money, but are keeping us from using the car because we can not get it titled, registered and licensed in our name. This should not be happening in this day and age of technology.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: OH
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:
Navient has yet to reply to multiple notarized letters sent via certified mail. I also have a certified list from XXXX and XXXX of over 100 calls to my home and cell phone numbers, despite the request to cease and desist in writing, and verbally on a recorded line. Each of these calls are XXXX dollar fine. I have asked them to please advise XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX of these FDCPA violations and Contract Default. I would prefer to settle out of court, but they clearly will not cease and desist, or acknowledge contract default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase bank will not credit funds back into my account due to transactions being chip and pin purchases at XXXX and XXXX. I informed them as soon as i noticed my account was over drawn by {$1200.00} and they stated they assumed it was me. I informed them i use my account mainly to pay bills and i dont spend money i dont have.I 've been a loyal client for over 2 years and Chase bank should know how i spend my money.In my opinion and research done on this new card with a chip in it, Chase bank did not conduct a thorough investigation.All Chase has done was tell me to contact the merchents and take my hard earn money through my direct diposite XXXX.. and im still overdrafted.All they keep asking me is when will i clear it up and get my account back to positive. I honestly feel like Chase has turned they back on me and my wife and child.Im now behind on bills that should have been taking care of if it wasnt for this fraud on my account.

Company response to consumer: Closed with explanation