BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have asked for chase bank to please modify my loan because the adjustable rate is going to make me lose my house! I was paying XXXX ( i make XXXX a month ) but now it is XXXX a month. i have asked since 2007 to please modify my loan and filled out the papers at least 12-14 times. my payment has gone up XXXX in the last 6 months? ... i am XXXX from all this stress and worry! i am so scared i will lose my home! PLEASE ehlp me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Computer Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Enclosed I have XXXX medical Bills that was file in our Bankruptcy Petition on XXXX/XXXX/2015, and we are still receiving debt collector letters. 

Our bankruptcy case # XXXX XXXX District of Florida

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: VA
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 XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-01-12
Company: Experian Information Solutions 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:
I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX XXXX ( Opened XX/XX/2015 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
From XX/XX/XXXX - XX/XX/XXXX, I was enrolled in a health professions program. I received Stafford, PLUS, and Perkins loans during that time period to finance my education. After completing 2.5 years of the program, I was dismissed due to a health condition. After the grace period of six months, I was unable to pay back the loan at the required rate due to unemployment or lack of funds. By XX/XX/XXXX, I had a steady job and consolidated my loans so that I could repay them. The total balance was XXXX. I have been paying on the loan consistently from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I took advantage of a student loan refinancing offer from Citizens Bank and refinanced my loan. My balance at that time was XXXX. Today my balance is XXXX. I would like assistance in determining whether my current loan balance is accurate. It seems that after paying on the loan consistently for 15+ years that my balance should be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Filed for refund 6 weeks and 5 days ago for student loan payments made during coronavirus pandemic. Haven't seen any movement or indication the request is being processed. 

They can't offer information on if my request was processed and can't offer much help. A few calls to customer service cause more confusion and no clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed a dispute regarding a Judgement that is being reported by all XXXX credit reporting companies as unsatified, whereas, the court docket shows that the judgement has been satified. This is the XXXX time I have filed a dispute and the XXXX previous times they credit reporting companies provide a final response stating the current status was reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
I am having difficulties with buying a house and applying for new credit cards. I paid the missed payments XXXX XXXX ( Opened XXXX. XXXX, 2016 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Residential Credit Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
RCS, the Loan Service Provider, has rejected an appeal to my Loan Mitigation Application based on completely false facts. 
This complaint is related to Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I financed a car On XX/XX/XXXX with Westlake financial along with a co-signer. I fell behind on car payments in XX/XX/XXXX, I then caught up on my payments and due to switching jobs I then fell behind again being off work for XXXX weeks and I went from getting paid bi-weekly to weekly. I fell behind and I have been trying to make small payments here and there. the finance company had told me that everything was okay and I was going to catch up on my payments. I called today XX/XX/XXXX to make my regular payment and the finance company had told me that my account was locked and someone else had to handle it, at that point I did not know what this meant. I was transferred to a male attendant and he had told me my account was locked due to being behind on payments. I then commented I was calling to make a payment. After I had explained the situation that I had fell behind he proceeded to tell me there was nothing he can do he was locking my account to no longer accept payments from me then the attendant continued to mock me and belittle me in a rude tone. such as saying " theres nothing I can do im not going to wait for you, you cant even afford the car, and also mocked me saying " all your saying is ugh, ugh, ugh is there anything else I can do when I already told you XXXX times no '' I then commented that there is no reason to belittle me or mock me in this situation. and he said " I am stating facts okay I repeated myself 4 times, so make sure you take your personal belongings out of the car so they can pick it up XXXX different companies have been looking for you and if your hiding we will find you '' I then told him " if I was hiding would n't have called you to make my car payment today. He proceeded to say " well im not going to say no to your money im going to take it but that is not going to help its too late '' I got upset and told him his tone and the way he handled customer service was not right and he made the comment of " I am not customer service I am collections '' so I mentioned regardless of him being customer service or collections he should allow the customer to talk or state the concern. I then hung up due to the rude mannerism and now they are telling me they are sending tow trucks to my job and home. URGENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was over XXXX cell phones. The amount is $ XXXX sent them back XXXX. They could not find them in the wear house. Then they found that I sent the wrong XXXX. I ask them to except them as my return they said it had been too long. I called every month starting in XXXX of XXXX and they found the phones in XXXX. They said it had been to long that they couldn't write it off because it had been so long. But I had been calling then every month since XXXX. Now this is Team- mobile. I ended up with XXXX phones because of XXXX XXXX I opened up an account with XXXX with XXXX phones for me and my son. Okay I received a letter a few days later saying that I could get a senior account so I called them and they sent me XXXX more phones to change over I don't know why and then I was supposed to mail the others back I got all confused I ended up sending the wrong phones back this is XXXX 's fault I should have never been mailed the XXXX phones now I have this on my credit report I argued with them for XXXX months if they're going to leave this on my credit report they need to mail me them XXXX phones back. Please help me get this off my credit report.

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 2021-01-12
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This is in regards to my account with XXXX XXXX XXXX Account # XXXX. The reason for this complaint is in regards to a late pay reporting in XX/XX/2020 and XX/XX/2020. Due to Covid I was unable to make the payment which caused me to be late. As soon as I was able to I got the account paid up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-09
Company: JPMORGAN CHASE & CO.
State: VT
Product: Credit card
Issue: APR or interest rate

Complaint:
My balance consists of XXXX balances, a balance for purchases at 12.24 % and a balance transfer of 0.00 %. 
My goal is to pay my highest interest rate balance first and avoid any interest charges. 
In the small print section of my statement there is a section entitled " How to Avoid Paying Interest on Balances '' it says any payments made beyond the minimum amount due will be applied to the balances with the highest rates first. 
I tested this on my statement dated XXXX. I made two payments 1 day apart, one in the amount of the minimum balance, the other in the amount of my balance on purchases. When my next statement came in they reduced my purchases balance but not to XXXX. 
The continue to charge interest. This is UNFAIR and NOT CONSISTENT with the law in terms of how payments must be applied. 
This is widespread abuse of american consumers and Chase is making unfair XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have been trying to get my information updated on my credit report. I have reached out to Experian. XXXX, & XXXX. They have not updated anything in over 90 days. I have even tried to resolve this through the furnisher with no help. I just want my information to be updated and they fix their reporting errors.

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 2016-08-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying for over 3 years for a refinance of my mortgage. each time I check my credit I see it around XXXX on my version. I then apply for the loan and am told my scores are below the XXXX needed for a refinance. my problem is why do the banks see a different fico score than I do personally?

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 2016-08-02
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Due to the transfer of the Fidelity Rewards credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to Elan Financial Services, I was no longer able to access my account online and retrieve my online statements and pay the bill. XXXX no longer had records of my account and I had trouble logging into Elan Financial Services. I had a past due amount of {$9.00}, but a late fee of {$10.00} was imposed instead, which violates the CARD Act amount of the late fee equaling minimum payment due ( which would have been {$9.00}, not {$10.00} ).

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 monetary relief
Consumer complaint received 2021-01-12
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:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2016-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please be advised that we applied and were approved for loan modification by Bank of america after a year of processing. 
The documents were sent to us and the cover sheet says important to have documents back by XXXX XXXX XXXX we used XXXX to track and they were confirmed back at bank of america on XXXX XXXX XXXX we waited and aprox a week later new documents came to us that said you must re do the loan mod documents as the notary is not correct. we went again had notarized and returned by XXXX on XXXX XXXX before the due date XXXX we did not hear back and then we started to call we spoke with nice woman XXXX daily at bank of america XXXX she stated, recorded. " this happens all the time bank of america is very particular. she sent a new set of documents. they did not come. we called spoke to XXXX our single point contact he sent XXXX more packages. on XXXX XXXX XXXX we received XXXX LOAN MOD PACKAGES all at once at large mailbox we direct all large packages to go to, our regular mailing address. nothing was received at any other address. we immediately noticed that the cover sheet said docs back to them bank of america by XXXX XXXX, so this would be impossible. as it was now the XXXX of XXXX XXXX we went to branch of bank of america this time and spoke to asst to mgr XXXX his name XXXX, every fine and we should come back monday the first appt with XXXX at XXXX XXXX XXXX XXXX we did. signed. she notarized and returned docs XXXX we were then contacted by bank of america and called and spoke to XXXX XXXX she was very abrupt and said you are denied because you did not return the docs on time. she would not discuss further. we are filing this complaint as we made the XXXX payments required by bank of america for loan mod and we returned the documents as quickly as was humanly possible. we are not at fault here and we wish bank of america to honor its commitment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07
Company: Residential Credit Solutions, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Residential Credit Solutions has reported to all credit bureaus that I was 180 days late on all payments from XXXX XXXX to XXXX XXXX. This account was protected under bankruptcy, and I was repaying as scheduled. The loan has since been paid completely off. RCS should be required to clear these late payment marks off my credit report to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: General Information Services, Inc
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my background check report it states that I have a XXXX misdemeanor however, I have never been arrested in my life. This is inaccurate information and I am the victim of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Two days after the broad student loan forgiveness was announced, I called my current student loan provider, XXXX, to get a refund of the payments I made during the pandemic. They calculated the payments to be a little over {$10000.00} and confirmed they can refund the amount. 

A week later I called back as instructed to check on the status of my refund and the representative assured me that it is being processed. 

A couple weeks after that I get a refund in my account of {$100.00} rather than the $ XXXX that was initially confirmed by the representative I was speaking to, which prompts me to call back to inquire about the remaining refund amount. I was told for the first time that they are unable to refund loans that were paid to my previous servicer so I will need to contact them, which I promptly did. 

From there I was sent back and forth between loan servicers multiple times. Both promising they can refund and when I call back due to inaction, both pointing the finger at the other, with the representative having no real information. MyFedLoan kept telling me they don't have any record of the loans I paid off with them. 

I was finally escalated to a supervisor with MyFedLoan who told me that my previous loans are in the middle of being transferred to XXXX, she told me she thinks my refund request triggered that action. When I called XXXX with this information, I was promised a {$1000.00} refund and when I called back about that a week later I'm told there is no record of that refund on my account. 

I have called MyFedLoan numerous times to reinstate and refund the loans I paid off during the pandemic. MyFedLoan refuses to reinstate and refund the loans I paid during the pandemic, which I am entitled to do under the CARES Act. Their reasoning is that they do not have any record of the loans that I paid off, despite providing me with the records. 

My current loan provider says they are unable to refund any payments made to my previous servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in dispute in the amount of {$1500.00}. In XXXX I made two payments by mistake, so I called the company and they said they do not refund payments so one of the payments will go for the XXXX payment. I was fine with that. Then in XXXX my Bank sent a payment through Bill payment when I saw the funds were release I immediatly called my Bank XXXX and they said that they couldnt reverse the payment that I had to wait until it processed. I called United Whosesale Mortgage and they said that they hadnt gotten the payment to go back to XXXX in turned XXXX told me to go back the United Wholesale Mortgage and then United Wholesale Mortgage said wait to the post it and then call back. I did everything that they asked. I was told in XXXX XXXX that they would indeed refund the payment. XX/XX/2021 I called back because the funds had not caome and I was told that the papercheck was issued XXXX XXXX. I was told to wait a week and if I didnt receive the check to call back. I called back on XXXX XXXX and was told that the mail was late and give it to XXXX of next week to call back and they will escalate the complaint and give me other options. I told them that I need that payment to make the XXXX note that I couldnt afford any late charges on my account or credit. I told them that I can not afford to make another payment while waiting for them to refund me the payment. I told them I would not be making a payment for XXXX because I believe that they should put a stop payment on the so called paper check they say they sent and apply it to my account {$1500.00}. I dont care long this take and if it is not resolved in XX/XX/XXXX then I will only pay for XXXX payment.

Company response to consumer: Closed with explanation