BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Navient states I am not eligible for the private loan forgiveness settlement because my private loans were in forbearance, but the qualifications state only that a person needs to have missed XXXX consecutive payments before XX/XX/XXXX, and states nothing about forbearance. I was in forbearance because they stated at the time that was my only option since I couldn't pay and if I didn't that the loans would go into default and then they could garnish wages and put a lien on my house and ruin my credit. So I was forced to go into forbearance because of their threats. Even today, XX/XX/XXXX when I tried to speak to a supervisor, she stated my loans are set to go into default next month and that they can garnish my wages and put liens on my home, which is their scare tactic. My interest rates are really large and they won't lower the rates and they refuse to acknowledge that I do qualify for the forgiveness. They harass me at least 4-5 times per day. I pulled up my payment records to Navient and it clearly shows I've missed payment numerous times and the ONLY reason I did the forbearance was due to them stating what would happen to me if I didn't and they never clearly stated the truth to me. Again, no where does it state that if your accounts were in forbearance you couldn't get the forgiveness. When I brought this up to the supervisor she then stated I didn't qualify because I had to miss XXXX consecutive payments. When I told her I missed XXXX payments she then stated I didn't qualify because of forbearance. It's not right if I don't get it when I felt pushed into forbearance in order to keep my wages from being garnished. 

I did a printout of my account with Navient and I didn't make any payments from XX/XX/XXXX - XX/XX/XXXX which is 13 months AND from XX/XX/XXXX - XX/XX/XXXX which is 9 months. The requirement for forgiveness states : " The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. '' It states nothing about forbearance and I definitely qualify. 

I told the supervisor that I was filing a complaint and she then told me that my account is going into default next month and she didn't think this complaint would be addressed by that time and therefore they could put a lien on my house, ruin my credit and garnish my wages. I DON'T DESERVE THESE THREATS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have received a letter that the bank is closing my savings account. I've been in this bank since it was XXXX XXXX XXXX in 1968. Letter states we decided to close your accounts but the refuse to ste why they are closing it. They are not closing my business account which is linked to it. There was a small checking account linked to it for 5 years that was never used and my bank manager closed it out for me a couple weeks ago. Then this happened out of no where. I currently have over {$120000.00} in the account. My current credit is over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
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:
XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX. Continued attempts to effectuate the offer from the company have been met with silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: MI
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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filled on Experian several times, the last time XX/XX/2021 to have the account XXXX XXXX XXXX to be removed. It is not my account nor I have knowledge of the account. On my credit report it has the account is charged off {$1.00}, XXXX written off {$1.00}, XXXX past due as of XX/XX/2021. 
On my accounts I have never made a late payment. I should not be liable for an account that is not mine.

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 2022-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting calls from Fifth Third Bank trying to collect a debt from someone named XXXX XXXX. At least 30 times in the last month alone. They have the wrong number, I do not know who that is, and I do not have any accounts with Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, I need to dispute 5 transactions made with my debit card due " merchandize not received ''. I tried to reach the merchant several times ( last one XX/XX/XXXX ) to ask about the shipments but they never replied. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these purchases must be delivered on XX/XX/XXXX, but the seller never sent the shipment and never provided a tracking number. 
Also they are not answering the emails I sent to them asking the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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:
In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to Equifax and XXXX notifying them that they were in violation of the FCRA and of requisite XXXX XXXX Complaint reporting standards. I have the right to a fair and accurate report, but Equifax and XXXX are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance of {$7500.00}. Equifax, XXXX, and XXXX are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I tried making a payment plan with XXXX XXXX XXXX and they were supposed to take {$200.00} a month to pay off the medical expenses and they didnt follow through with it, so went into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft. 

XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Dear Sir/Madam : Please find the attached photo of a letter I received from Capital One indicating that I was denied an automobile loan. However, I did NOT apply for this loan and can not reach a human being from Capital One to tell them this application is fraudulent. I do not have any accounts with Capital One and not sure I ever have. 

I've attempted to contact Capital One using several telephone numbers. I called the number on the letter and two customer service numbers to no avail. When I've called, their system gives prompts for topics. I check " auto loan '' & it tells me I was denied and it disconnects me. Because of this, I have no idea whether it was for a new or used car, what loan amount was requested, the date of the application, or anything other information. 

You will find the reference number on the letter I'm attaching as well as my address. I'm hopeful that this complaint will initiate a response to me from Capital One as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: PLS GROUP, INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XX/XX/20 I purchased a money order for {$990.00} to pay my rent for the month of XXXX. In early XXXX, I learned that the money order was fraudulently cashed because my management company informed me that they never received my XXXX rent. I immediately went to the check cashing place where I purchased the money order, to request the status of said money order and a copy to prove to my management company that a money order was purchased to pay for my XXXX Rent Statement. Upon receiving a copy of the money order i immediately noticed that the original payee information that was written by me, was clearly altered because I made a copy of the original money order before mailing it out. After learning of the fraud, I brought it to the attention of XXXX, the store manager, who at first shrugged it off and stated that my management company probably altered it. I filled out and notarized an affidavit as instructed by XXXX and mailed it out to the address that she provided. A few weeks later, XXXX calls me stating that my affidavit was not received and i had to complete the entire process again including re- notarizing a new affidavit. Its important to note that XXXX asked me to leave my home in the middle of a pandemic ( COVID-19 ) to complete a process that I had already done almost 3 weeks prior. I demanded that this situation be escalated to the regional manager because the store manager was clearly incompetent. Its been over three weeks since I was told that I would receive a follow up call from the regional manager and nothing 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 monetary relief
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The credit card company is Capital One. I have been paying the 30 % interest rate since I missed a payment last year. I was told they would review and lower my rate in 6 to 12 months when I called last year. 
I called two weeks and one week ago to request lowering my interest rate. My payments since 8 months ago have been on schedule. I was told they can review it in 4 months, both times I spoke to their supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: Credit Bureau of Carbon County
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: Their investigation did not fix an error on your report

Complaint:
I recently had a medical collection put on my report that i never even received a bill for. I was never contacted by the hospital that anything was due or the collection company or i would've paid it. I only noticed it when i went into get a home loan and saw the collection on my credit report.I immediately paid in and explained to the company that this was a mistake and needed to be removed since i never received a bill for it. It is costing me huge emotional and financial distress over not getting approved for a home at the best interest rates. They agreed on the phone that they would remove it but 60 days later i have disputed it with the company as well as the 3 credit bureaus and it has not been removed. Please help me to fix this issue as this was even put on my report thru mistakes made by others who had my wrong address or phone number written down and never received a bill so i shouldn't be the one that has to suffer especially since i paid it immediately after finding out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-09
Company: EQUIFAX, INC.
State: OH
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 requested validation from the bureau for the fraudulent account through the original contract. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Good Afternoon, Consumer Financial Protection Board ( CFPB ), I'm writing to your department today to initiate a complaint against XXXX Bank and their servicing company LoanCare. My complaint is in regard to escrow shortages for XXXX under XXXX Bank XXXX and for XXXX ( under LoanCare ). 

The last two years my escrow shortages have been {$1000.00} for XXXX and now for XXXX {$1100.00} respectively. I've checked with my Insurance Company and the tax collector and my insurance and taxes have increased {$270.00} and {$290.00} respectively. My question is how is my escrow shortage over {$1000.00} or {$1100.00} for {$2000.00} and XXXX when the increases in taxes and insurance is under {$300.00}? 

I've approached the bank numerous times and can't get a satisfactory answer. if my payment for XXXX increased from $ XXXX {$1100.00} to cover the 1st escrow shortage over 60 months XXXX my request ), then isn't bank, per their own statement in writing collecting this shortage over 60 months per that payment? Is the new payment for XXXX of {$1100.00} collecting the escrow shortage of {$1100.00} over 48 months? I'm confused by this basic math. 

The Bank and loan servicer is telling me that isn't how escrow works. After collecting the shortage for 12 months, as opposed to the 48 months listed in their statements, the escrow analysis starts over and there will always be that shortage. 

This is a questionable business practice at best, in my opinion. I'm reasonable, if that's the case, then why doesn't my payment go back down to the original {$1100.00} and then the escrow shortage is applied. I contend the bank is collecting the shortage over the 48 month or 60-month period, but isn't reducing or eliminating the escrow shortage and keeping the Lendee in a perpetual escrow shortage loop and unless the person pays within 12 months will always owe the escrow. 

I don't have a problem with this if the bank was forthcoming with this information, when, in my opinion, the bank is allegedly disingenuous. The bank isnt collecting the escrow shortage over 48 months or 60 months, it expects Lendee to pay the escrow within 12 months or the process starts all over again. Im making a complaint against bank for this questionable business practice and would like a CFPB representative to call and discuss this situation further. I've attached copies of the XXXX and XXXX statements for XXXX and XXXX respectively as PDFs. 

Thank you for your time and assistance regarding my complaint, 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