BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This is a case of identity theft. Navient Solutions ( A spin-off of XXXX XXXX XXXX ) is attempting to collect a debt from me that is n't mine. Over the past several years this debt has been reported on my credit report and has been disputed with each Credit agency. Periodically I would receive collection calls from various agencies attempting to collect the debt which in each instant would be higher that the last because of interest. In the past 2 months I have gotten XXXX letter and XXXX calls trying again to get me to pay on this debt. I feel there is no other recourse at this time but to file this complaint and seek legal assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please refer to case number XXXX. 

I am opening a new case as there is new information. 

The dispute is around lot line adjustments. Rocket mortgage allows all types of lot line adjustments except the one I need to do. This is clearly prejudicial and harmful financially to me. 

And I put in a complaint with XXXX XXXX, the owner of the loan, and they agree. 

You may contact XXXX XXXX to verify. My case number is XXXX. XXXX presently says they will make an announcement, and clarity that servicer 's need to do this type of lot line adjustment. But there is no time frame and I need to start the project. 

I want to trade land in the front ( I own XXXX XXXX ) for land in the back. Essentially, I own XXXX XXXX in front of my house and not my backyard. I am trading an equal amount. 

Reason : the house was built in XXXX and there was not good surveying at that time. 

Even though XXXX has told Rocket the announcement is coming, Rocket Mortgage refuse to move forward with my lot line adjustment and this is clearly prejudicial. 

Please reopen the case. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bank of America allowed a credit card account to be opened back in 2004 using my son 's social security number. My son was only XXXX at the time and it has been open for 12 years now. Last week we went to our local Bank of America branch to open a checking account in his name and the personal banker informed us that his social security number was already being used on an existing Bank of America account. The personal banker said he would investigate and get back to us. We never heard anything back from Bank of America and had to call today in order to get more details. This is when we learned the account has been opened for 12 years and it was still active. Beyond this they have offered no additional help. How can they have done their Customer Due Diligence and Know Your Customer procedures when they allow an account to be opened with a child 's social security number? Furthermore, they have offered no additional assistance or details in getting this issue 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 non-monetary relief
Consumer complaint received 2017-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had applied for a card to help  my credit score to possibly get a house one da y, well it wo n't happen with this company! I was denied ... Not sure how because I read what you need to have to qualify and I was in those limits. on  XXXX   XXXX   XXXX  I receive a letter with WRONG date (  XXXX   XXXX   ) s ee attachment and with this explanation : " Based on your application information, there is legal action pending against the applicant '' Actually my credits report show that I have closed all credit card with them in very good terms. For some reason they have incorrect information about me. I have very good credit with  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and with my credit union  XXXX   XXXX   XXXX  with limits of  XXXX  and Up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My debt burden on my student loans is high. I contacted Navient this morning to ask about lower payments on private loans for which I have a co-signer. XXXX XXXX XXXX in collections explained that he would have to pull the credit report of both me and the co-signer in order to see if lower payments were possible. I explained that I wanted to address this on my own as I did not want to burden the co-signer with having their credit report pulled and them having to produce financial statements, etc. XXXX XXXX said then I have to pay the loan as is and reminded me that I am 10 days past due and demanded a time certain when the bill would be paid. I said to XXXX XXXX that I would pay when I could. He then said that since I am " refusing to pay '', collection efforts would continue and the co-signer would continue to be called. I said, XXXX XXXX I have not indicated a refusal to pay. I have said I will take care of it when I can. XXXX XXXX got aggressive and belligerent and threatened to terminate the call. I told him I am now recording the conversation. He said that I did not have permission. I replied, then you do not have permission to record me either. He continued his aggressive language and threatened me with more collection efforts. 
I am baffled that : 1 ) My loan is 10 days past due and I am being treated like a criminal by Navient 2 ) I am willing to pay, ask for a reduced payment amount and Navient is making it difficult. 
3 ) XXXX would take on such a aggressive demeanor when I called to find out about payment options for a bill that has not even gone 30 days past due. 

The interaction with Navient is XXXX and need not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX / XXXX mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX  account is reporting as correct and accurate. The XXXX / XXXX mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax  confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft and 10 different accounts were opened in name with XXXX 2 years ago. I contacted XXXX back then and they acknowledged this and wrote me a letter promising they will take care of this and remove all negative reports. However, I keep on getting various calls from different credit agencies for the same accounts stating that I owe. I have contacted XXXX and they state that the accounts it is not in their system at and they do not see where it was in the first place. Despite the fact that they have written me a letter with their company letterhead apologising and i have called the credit bureau to remove it they state that XXXX has to contact them with the letter. I have contacted XXXX about this sent them faxes and email they are stating that it takes 10 days to read my letter. Very unprofessional and lousy attitude towards solving my problem having sold the account. They are not in a hurry to remove it and even though they promised to 2 years ago. Everytime the collection comes up in my account it dings my account 30 points. Please save me from these draconian monsters.

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 2015-03-31
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX / XXXX mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX account is reporting as correct and accurate. The XXXX / XXXX mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted proof that the debt with XXXX/XXXX was satisfied and at XXXX balance and all 3 bureaus claim that they investigated and verified that there was still a balance. Even the creditor verified that they responded with XXXX balance but nobody wants to update. I WANT THIS DELETED AS IT IS NOW INCORRECTLY REPORTED BY ALL 3 BUREAUS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
For years, Bank of America has emailed me personal information on another customer, including full name, home address, last four digits of account numbers, and account balances. There 's no way to unsubscribe, and I 've submitted numerous complaints to XXXXXXXXXXXX and never received a response. I 've also called and talked to their customer service, but they were n't able to do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: NJ
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 submitted proof that the debt with XXXX/XXXX was satisfied and at XXXX balance and all 3 bureaus claim that they investigated and verified that there was still a balance. Even the creditor verified that they responded with XXXX balance but nobody wants to update. I WANT THIS DELETED AS IT IS NOW INCORRECTLY REPORTED BY ALL 3 BUREAUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified consultants placed a collection on my credit report for XXXX for XXXX XXXX XXXX return equipment fee. XXXX lost the equipment but found it when I called with a tracking/reference number from XXXX. XXXX agreed to remove the charge from my bill. I have since had to call several times about the matter and can not gain any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: EOS Holdings, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter via certified mail to EOS requesting that the validate the debt. The letter was signed on XX/XX/XXXX. EOS sent me a settlement offer. I sent out a second request and disputed with XXXX XXXX XXXX. They are reporting as verified and meets the FCRA with no actual proof that it has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of identity theft.

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 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I been victim of identity theft and charge for transactions that I didnt made

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 2022-03-18
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase has been an absolute nightmare in servicing my loan. I closed the loan in XX/XX/2021. Since that time Ive had a number of issues with reamortizing the payment and getting the escrows paid out of the escrow account set up at closing. What is more annoying, and the reason I am contacting you today, is that they continuously apply my payments incorrectly. Every month I pay my mortgage a week or two early. Each month instead of applying my payment correctly they apply the whole thing toward the principal and then mark me as unpaid. Ive attached the most recent example. For the payment due XX/XX/XXXX I paid it on XX/XX/XXXX. Instead of applying that payment to the XX/XX/XXXX payment they applied it to principal and then marked my XXXX payment as not made. If this was a one time event Id assume it was just a banking mistake but its not. This is just the most recent example. In the past 6 months I believe they only applied one payment accurately. Every month I have to call them, have them reverse the payment and apply it correctly and waive the late fees. I prefer to send a check from my bank but Chase Escalation department suggested I use their online payment system. Ive given up on them doing this correctly by check so begrudgingly I now use that online system. Well, here we are, using their online system and still having the same issue. I believe they are either purposely not applying payments correctly in order to obtain late fees OR they are utterly incompetent at payment processing. It has become a part time job following up with them each month and its to the point where I have the hold music memorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My husband and I were supposed to close on our home in XXXX, FL on XX/XX/<YYYY> An email was sent by, who we thought was our realtor, to my husband 's email address with the wire information : Bank Name : XXXX, XXXX, XXXX, PA XXXX Account Name : XXXX, XXXX Account # XXXX Routing # XXXX We transferred the monies over to that account at around XXXX ( give or take ), at which my loan broker XXXX me with the realtor stating that, that email was n't from her. I immediately contacted BoA to put a stop and filed a claim on this transaction. The wire amount was for {$26000.00}. 
On XX/XX/2016 the claim was closed because BoA had the claim open as a " check fraud '' claim. 
On XX/XX/2016 we re-opened the case to the correct claim. 
My broker 's risk XXXX has been in contact with BOA, XXXX, the FBI and we did file a police report as well. 
Apparently, XXXX has the funds stopped. BOA, and XXXX are not communicating with each other properly and everything has been on a hold since XX/XX/<YYYY> The closing was extended for a couple of days being that if the funds were stopped and if everything went well, we would have those funds back immediately, and we could close on our house. 
As of today, XX/XX/2016, BOA sent numerous attempts to collect the monies back from XXXX, and now were are at a stand still. 
On XX/XX/2016 XXXX emailed BoA back regarding the monies. 
On XX/XX/2016 BoA stated that we were in good standing with BoA and XXXX and everyone was cooperating. 
On XX/XX/2016 BoA told us that XXXX denied the request and BoA attempted to close our case.

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 2017-05-28
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When my loans were sold from  XXXX   XXXX   to Navient, I was  on a 10 year repayment plan.  Navient reset   me on a 20 year repayment plan. When I called to reset it to 10 years, they told me this was not an option for my loan. I will be paying a lot more interest in those  10 extra years.  I did not want to repay over 20 years. They made it difficult to understand why this was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent {$250.00} to XXXX XXXX via Western Union for products that were being advertise via XXXX. After 30 days of communication with the suppose company I never receive the items. Contacted Western Union to find out to get refunded back my money since there service was being use in a crime. Making them an accessory to wired fraud. This is another example of how scammers are still using Western Union to scam people thus making Western Union gulity of aiding and abetting wire fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called Chase and spoke to a customer service representative on XX/XX/2022 and then asked to be transferred to a supervisor, spoke to XXXX from the XXXX XXXX, TX service center. She understood my complaint and said the " back-office '' would have to handle it and they would get back to me within 7 calendar days. She asked if I wanted to be called or have a letter sent to me regarding this issue. I requested to be called because I wanted to be certain they understood the issue that occurred. I was given a Chase ref # XXXX and asked for a phone number to contact them and she said they don't have a number I can reach them at to check status of the above reference number and that I had to call the number on the back of my card. I called back today, XX/XX/2022, because I had not received a call from the " back-office '' and it was beyond 7 calendar days. Again, this is yet another process that Chase does to dismiss issues and complaints when it's obvious they have done something that was not aligned with the terms and conditions of the agreement and/or Chase 's standard protocol. The second supervisor I spoke to was XXXX again from the XXXX XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX No late remarks but the status is charged off. 
TOYOTA MTR No late remarks but the statuses are Late 30 Days Late 60 Days Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation