BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for student loan forgiveness through the Public Service Loan Forgiveness Program ( PSLFP ) and was denied the loan forgiveness ( XX/XX/XXXX ). It turns out my loans were ineligible. However, I was never given the information that my loans were ineligible even when I spoke with my student loan provider Navient in XXXX when the program began and in XXXX when I called them to switch to an income repayment program and told them I was working towards forgiveness on the PSLFP I was not told, nor could find any information at that time, that FFELP loans were not eligible and the repayment plans I had been on prior to XXXX and after XXXX would never make me eligible for this program. On XX/XX/XXXX when I called Navient after being denied PSLF by the Dept. of Education, that is when they then told me my loans were ineligible. Nothing on my account summary or information of my loans on their site ever said my loans were through the FFELP. Onluy after my call on XX/XX/XXXX did they switch the description of my student loans on my account summary on the online portal. Prior to XX/XX/XXXX it just listed them as " consolidation ''. After XX/XX/XXXX it still said " consolidation '' but they added FFELP on my account summary. Clearly they are giving misinformation to customers and not providing them with the information they need to be able to qualify for these programs. If I had been told in XXXX and XXXX that my loans were not eligible, I could have transferred my loans to a Direct Loan consolidation and then started working towards the 10 year requirement to qualify for the PSLF program. Only finding out now is not only really upsetting because I worked those 10 years towards nothing, but if I switch my loans at this point to Direct Loan consolidation and have to start the clock again, I will pretty much have paid off my loans in 10 years and would not even need the forgiveness program. I urge you to do something about these unethical practices and the misinformation or lack of information student loan services provide their customers on these programs. Clearly it is not in their best interest to have our loans forgiven and I feel that dictates their practices. Given that the DOE has only forgiven 1 % of loans through the PSLF program and there had to be a congressional hearings in XXXX to investigate the practices of the DOE in regards to this forgiveness program, there is clearly some kind of wrongdoing or unethical practices taking place by the DOE and lenders like Navient to prevent people from qualifying for it, whether directly or indirectly through misinformation or lack of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account is a result of ID Theft and has been expunged by XXXX XXXX as a result this need to be remove from my credit immediately : Liens And JudgmentsProcessed Date XXXXXX/XX/XXXXDate Filed XX/XX/XXXX-XXXXXXXXAmount XXXXDate Of Alert XX/XX/XXXX-XXXXXXXXCourt Name XXXX XXXX XXXXAddress XXXX, XXXXPhone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XXXX XXXX, 2015 I sent documentation to Equifax disputing Unauthorized Credit Inquiries, Removal of Outdated Information, and accounts that do n't belong to me. The documentation was sent certified in which Equifax signed for on XXXX XXXX, 2015. I did not receive any response from them in reference to my request which on XXXX XXXX, 2015 I sent them another letter advising them that thirty days have passed and they did not provide me with any information that I requested. I also advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit bureau, I requested that they immediately delete the information from my report. As of this XXXX day of XXXX 2015. I have not received any documentation from them in regards to any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card
Issue: Rewards

Complaint:
I applied for an XXXX card under a promotion for a bonus of XXXX of their Membership Rewards Points after spending {$3000.00} on the card. I have spent over {$5000.00} on the card, and the Membership Rewards have posted to my account, however, when I tried to transfer them to my XXXX account as XXXX to complete an award ticket transaction, XXXX told me that the points were " under review. '' I called their fraud department and they said that there is no investigation ongoing in my account. I called their Membership Rewards line and was told that it would be 6-8 weeks for resolution. My points had already been " under review '' for nearly 5 weeks, yet my card works, and the website indicates that I have over XXXX miles that can be transferred. No indication from XXXX that any problem existed with the points. When talking to a membership rewards manager, she told me that XXXX was freezing the points for everyone who applied for the offer, and there was nothing she could do. Its frustrating because XXXX is holding the last XXXX award business class seats for me to XXXX for only the next 12 hours, and after that I will lose them. XXXX holding my points hostage without notification is going to cause me to lose nearly {$9000.00} in airline reward tickets. They should have notified me that there was a review ongoing, instead of pulling out the rug from under me. According to the membership rewards manager, they are doing this to everyone. This is going to cause me to lose {$9000.00} in airline tickets and ruin my vacation plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
on XX/XX/XXXX I submitted a application for a refinance on loan I have with citizens one bank for which I have a mortgage with now. this a new complaint for an old problem I have a claim # XXXX I was told that I would need to have permanent income to qualify for a refinance because I was on temporary workmens comp income. I was deemed XXXX in XX/XX/XXXX, also I have a pension and rental income I sent XXXX XXXX this income imfo and we did a loan app. I had to supply all kinds of documentation which I did. then I was told once everything was accepted I would need to submit either credit card or debit card so they would be able to pay for appraisal. I was told they would not take money or order appraisal if my loan looks like it was not going to be approved. this is XX/XX/XXXX during the month all was well, looked like they were going to approve my refinance. but then they kept emailing me for documentation I had already sent to them, I questioned why you did n't have this because I know I had sent it. now we at the end of XX/XX/XXXX I was asking when were we going to close all I got was robo type answers from XXXX XXXX. his prepared statement was that he would check into it shortly unfortunately his shortly was 2 weeks. when I asked about why I had to send duplicate imfo he submitted the same robo answer. so I emailed him back and replied that your shortly is 2 weeks or no response at all. then on XX/XX/XXXX I got a called from XXXX XXXX to imform me that my refinance was denied after all this time, he knew it was denied before me, then he went into my account on XX/XX/XXXX and took the appraisal fee when the time to withdraw it from account it had expired. just like I had so much time to submit my documents if I did not submit them in time the loan would be cancelled. this is bad business and borders on criminal. this time there excuse for not refinancing me is that my rental properties looks like a loss on paper from my taxes. for real!! these people are bankers they know how that works I showed XXXX the same taxes when they refinanced XXXX houses for me they knew when you file your taxes sometimes it shows a loss but that does n't mean you are not able to handle responsibilities I 'm sure they have a lot of investors such as myself that they refinanced and did first mortgages for this is how banks make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
judgment with XXXX had been resolved and needs to be removed from my credit report or marked as judgment satisfied. I already disputed this with XXXX and they deleted this file and I uploaded the receipts to Equifax and they have ignoredmy request to change any information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Account is not mine. I disagree with the investigation. XXXX and XXXX both deleted this account. What information does Equifax have that XXXX and XXXX do not? If you have this information, please share. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax blocks consumers who have frozen their credit files from being able to use the online XXXX site to get their free annual credit report. This violates the spirit, if not the letter, of the law. 
I spoke to Equifax about this. They assert that " for my security '' ( because I have a freeze ) they will not answer a credit report request online. This makes no sense. I have a freeze PIN which I can use at Equifax 's website to unfreeze my credit file ; that clearly is a much more security-sensitive operation than viewing my own credit file. Thus, the conclusion we must draw is that Equifax is deliberately making it harder for consumers to exercise their right to see their own credit report, in order to dissuade consumers from protecting themselves by setting up the freeze. Equifax must be penalized, and forced to change their procedures, so that consumers who have frozen their credit files can use the XXXX site ( or a direct Equifax web page ), along with their freeze PIN, to get their free annual credit report, in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
For the past XXXX years since I consolidated my loans with Navient, I have been paying {$520.00} a month with an agreed maturation date of XXXX/XXXXXXXX. I recently went back to school, which I am paying for out of pocket. I did not apply for loans. Without calling or emailing, Navient deferred my loans. I called within XXXX hours to inform them I did not want to defer my loans request they revert to the previous payment plan with and end date of XXXX/XXXX/XXXX The next month I was charged {$510.00} and I received an email from them saying they've changed my payments to {$500.00} a month with a maturation date of XXXXXXXX I never asked for this. They are unwilling to understand or help me online. They are using the same tactics they used when I first graduated school and convinced me to take a forbearance so I am now paying more than double my loan amount. I would greatly appreciate your help in getting my account back to the agreement we had. I would also like to be part of a lawsuit against Navient as they entirely look advantage of me as a student when I borrowed $ XXXX I am repaying over a {$100000.00}. My interest at this point is more than 50 % of my remaining loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
sam 's club mastercard is issued and serviced by Synchrony bank. 
I recently applied for a credit line increase and was denied for the follow ing reasons. to few accounts currently paid as agreed lack of recent installment loan information. 
a review of my XXXX credit report does not reflect the above items.

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 2016-03-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
WE ARE HAVING TROUBLE WITH OUR MORTAGE COMPANY. WHEN WE PAY OUR LATE FEES THEY ARE NOT BEING APPLIED AND NOW WE HAVE THIS LARGE AMOUNT DUE IN LATE FEES..WE HAVE CALLED AND WE GE THE RUNAROUND. WE WANT TO KNOW WHERE IS OUR MONEY THAT WE ARE PAYING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05
Company: Kirkland Asset Management LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been getting phone calls from people who say they are from Kirkland Financial asking for some one I 've never heard of for over 2 years, ( the amount of time I have owned my phone ). They sometimes call me as often as 2 or 3 times per day. I have told them repeatedly they have the wrong number and to stop calling me. I have asked to speak to a supervisor and told them of their misguided actions and they were rude beyond rude and hung up on me. I have even threatened legal action if they do n't stop. Nothing stops them. What can I do?

Company response to consumer: Closed
Consumer complaint received 2017-02-07
Company: DLC, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was in XXXX XXXX XX/XX/XXXX. After losing a substantial amount of money, I needed money for food, living, etc., as I had three more days in XXXX. XXXX. I got a total of {$500.00} from the Dollar Loan Center. I was involved in a car accident and did n't have any insurance. As a result of this incidence which happened on Saturday, XX/XX/2017, it 's causing me financial hardship and overall anguish. I had financial hardship prior to this event or I would n't taken out a loan with 900 % interest. I called the Dollar Loan Center in XXXX XXXX XXXX on Monday, XX/XX/2017 and stated I have a hardship. Would they please take away the 900 % interest and let me pay the principal. They called me back today stating they could n't accommodate me. The interest would still be going at {$4.00} per day. I was in dire need when I took out this loan and not in a healthy state of mind. It 's companies like these that prey on other 's financial distress. If having an automobile accident which is causing me a great financial hardship does n't designate a hardship, what does?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a single working mother with no family or financial resources. I purchased a used car on XXXX/XXXX/XXXX, in a state of utter desperation. I later discovered I had been a perfect candidate for a " subprime loan '' ( the details of which I was not fully aware ), and which pretty much assured I would not be able to keep up with the very high payments and penalties. The lender is Santander, one of the top subprime lenders as I understand. During the course of the loan, I did make several late payments and was charged penality feels. At one point, the car was actually repossessed, but I was Able to get the car back by paying various additional fees ( which I had to borrow from a friend ) in addition monthly loan Amount. The car was Totalled in XXXX, XXXX. Despite having paid for gap insurance, Santander did not accept the gap insurance for the coverage of accrued late and/ or penalty fees - which started out at {$5800.00}. Hence, at this point, I no longer have the car, but had to agree to make monthly payments for two or three years. After receiving my tax refund, I made monthly payments of XXXX a month - but when thel money ran out I could not keep up with payments, especially BC I lost a job and I was sold another used car with a bad title ; As of now! I I have n't been credited for paymwmts that were made, they continue to accrue Inretest, and Santander calls my cell phone about 7 times a day - they have also reported the nin- payment to my credit report. I apparently now owe {$6200.00}. Deapire the original amount being {$5800.00}, against which I made about 5 or 6 payments of XXXX They call me all day and night - and have also been calling two friends if mine as well as my step father. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
EVERBANK IS REPORT A WRONGFUL 30 DAY LATE TO OUR CREDIT REPORT ... .That conversation will tell everyone that we made a payment over the phone and gave the rep our account number. The account number given can be crossed checked and determine that Everbank input our data incorrectly. We have paid Everbank before the due date and consistently, they have made a mistake and need to remove our late pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We have been involved with a short sale negotiation Chase for 6 months now. Chase is the 2nd lien holder. They have " inferred '' to us that the short sale has been approved for 2 weeks now. When asked directly for a firm answer about the approval, Chase just states that they have a new process in place for producing the approval letters and it is " taking longer '', however the Chase representative will never say " Yes - this short sale has been approved ''. The overall sense is that Chase is not being upfront and we really do n't have any idea what is happening at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They failed to verify the debt and did not provide the information that i requested from them, to verify that i actually owe what they say i owe. 

I clearly requested how the amount was calculated, a contract that i signed, copies of the billing statements from the original creditor, documentation that they own the alleged debt, or verification such as a contract between them and the original creditor that gives them authorization to collect the debt, a copy of there collection license and/or authority to collect in my state. 

All of the letters they sent me do not include any credible information and they are clearly ignoring my verification letters. They are sending me the same letter every time that does not state anything of value and is irrelevant to my letter. 

Copies of all letters sent and received are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone call from a company called XXXX XX/XX/XXXX read the message and ignored it. Then received another XX/XX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX Bank, this happened sometime in XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX XXXX XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Predatory loan from Santander Consumer in 2013. Car repossessed and sold. Charged unreasonable amount of fees. Sold debt to XXXX XXXX and they are demanding a deficiency payment. Paid a lot of money for this car more and more fees added to the loan from the very first payment. They added fees and never brought down the amount payed. Shady salesman lied from the start. Then tried to bring me a different car than the car I bought. Dealers lied and i had the car for a week and never was approved for the loan. It only continued to get worse. Car continued to have issues w/ transmission overheating. When I take it to the dealership they said I owed {$150.00} for service and I was low on transmission fluid but I can not check fluids til reached XXXX miles. Did not honor warrenty. Refused to fix issues. Car over heating and stalled and was stranded all the time. XXXX XXXX XXXX. On the internet I found tons of other owners having the same issues with their XXXX. Everything about this from the purchase, loan, and running was a problem. Santanders did not follow the law and now I am being sued.

Company response to consumer: Closed with explanation