BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: WY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a private loan with Navient, formerly XXXX. They have put me into different repayment programs and have never properly credited my payments. No matter how much extra I paid toward my loan, for principal it is never credited this way. I originally borrowed {$13000.00} and even after paying on it since XX/XX/2006 now owe over {$15000.00}. At times when my payment was only {$120.00} per month I was paying {$250.00} and my balance still continues to go up instead of down. This company is a complete joke and has XX/XX/XXXX many consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX account XXXX ..., has XXXX, PAID IN FULL. 
XXXX account XXXX ...., has XXXX, PAID IN FULL. 
XXXX account XXXX ...., FRAUD AFTER ACCOUNT WAS OPENED. 
XXXX account XXXX ...., FRAUD AFTER ACCOUNT WAS OPENED. 
XXXX XXXX account XXXX ...., FRUAD ACCOUNT. 
XXXX XXXX XXXX XXXX account XXXX ...., account was used to commit FRAUD. 

THE INQUIRIES BELOW ARE NOT MINES AND SHOULD BE REMOVED. ATTACHED PROOF OF CAR DEALERS SUBMITTING WITHOUT MY APPROVAL TO SERVAL BANKS. 
he following information is part of your credit history and is provided to others. 

XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : XXXX XXXX, 2016

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 2021-03-18
Company: EQUIFAX, INC.
State: GA
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/2020, 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 2021-03-18
Company: Experian Information Solutions Inc.
State: IL
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:
XXXXXXXX XXXX XXXX XXXXXXXX is reporting 2 accounts on my credit report. one saying Exceptional payment history. the second one is saying 36 charge off. which is inaccurate. please remove the second account off

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 2021-03-18
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXXXXXX is reporting 2 accounts on my credit report. one saying Exceptional payment history. the second one is saying 36 charge off. which is inaccurate. please remove the second account off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
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: Public record information inaccurate

Complaint:
I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and XXXX has closed out the accounts but they are still reporting balances in my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I complained on XXXX of XXXX, 2015 regarding my mortgage with Bank of America. After the initial complain they have forwarded me to another department. The new representative seems like work for another company that is hired by Bank Of America. They have requested me the change in circumstances paperwork that I have submitted within a day or two. I have also provided all the supporting income documents for example, bank statements, and profit and loss statements. In addition I have also provided the pay stub for my wife and bank statements of my daughter because according to the website I can add household income too, even if they are not on loan. It seems that foreclosure date is coming and they are trying to gain more time. According to the law, once they receive change in modification documents complete package. They should stop the foreclosure but again Bank of America is trying to play the same witty gimmicks, that they have played with XXXX of Americans for throwing out people out of their houses. Again the person I am working with left me a phone message and after that I tried calling him XXXX times but he was not available. I got a hold of their another manager who started another paper trail which I have provided within hours and it seems like she stopped picking up her phone too. Once they realized that they might can not ask for any possible papers in the world, they stop picking up the phones. Even I had to tell the, m that a person in household can contribute in the qualification process because my initial representative XXXX XXXX have absolutely fooled us for all this time telling that we can not use any other income if its not in the mortgage. Any way I am attaching all the documents provided to bank of America for change in circumstances and hope that someone would take a look at it and ask them for answers. Since they play with peoples emotions by asking some kind of paperwork and after you provide them they tell you that no we cant use this because of some reason and then you provide them more and so on. Please stop this mega monster company from playing with peoples emotion because if they cant do it tell us in first place why play these games with the innocent customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: CA
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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America closed out my mortgage loan after I moved XXXX XXXX, 2016. When they closed out my loan they added a note that I was over 120 days late in paying my mortgage which lowered by credit score XXXX points. I have not been late in paying in over 7 years and was in very good standing. SO GOOD that after I moved and got the BEST rate with another mortgage company that Bank of America offered and issued me a credit card with a high balance. They THEN reported my account as closed to all XXXX credit companies and the mortgage as being closed with them however they added a note that I had been 120 days late. This is WEIRD at best!

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 2016-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
My account was on an automated monthly payment schedule. Unbeknownst to me, the automated payment ceased and the minimum monthly payment increased. As soon as I realized, I contacted Bank of America who refunded XXXX late fees and increased the monthly payment. Unfortunately, they apparently did not increase the monthly payment enough and the account went delinquent again and incurred additional late fees. I have tried having these late fees removed multiple times and keep getting denied. In addition, Bank of America reported my account as delinquent the credit bureaus. I have called 3 or 4 times and keep getting told they will request the fees be waived. Then I get a non specific letter saying, " After careful consideration, you recent request has been denied. '' I have done everything I can to keep this account current and feel these penalty fees should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a loan with Navient for my privet school loans. On my credit report it states I am negative. And I am not. I have spoken to them to update it and they have n't. I am having a lot!!!!! Of issues with them. They have not updated anything payment wise! And they keep sending me bills saying I owe and is past due of XXXX {$.00} I have spoken to 3 different people. And they said they have updated my account. But never did!! Ugh!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In XXXX I got an auto loan from J.P. Morgan Chase Bank. The contract I signed was for the Amount Financed : XXXX, payment schedule of XXXX payments of {$510.00} and XXXX final payment of {$510.00} due on XXXX/XXXX/XXXX. In XXXX XXXX, I was in the process of paying off the auto loan ; however, after contacting Chase to find out my payoff amount, this amount was different from what I had calculated so I asked Chase to send me a itemized statement listing all payments made, interest payments, and principal. First thing I noticed on the itemized statement there was a charge of {$190.00} ADDED to my original loan of {$22000.00} ( this is what my contract states I OWE and SIGNED for ) which now made my total loan for the amount of {$22000.00}. Therefore the {$190.00} ADDED to the principal of the loan, would affect the interest over the course of the loan. I contacted Chase in reference to this discrepancy and no one could tell me what this charge was for, in fact, the charge was ADDED to the PAYMENT column. ( So in reality, this should be a PAYMENT, not an ADDED charge. ) I called Chase several times, talked to several people asking if they could do an audit on my account, and I was told they do not have the manpower to do this. I took all my auto loan paperwork to an accountant, they calculated the payments, interest, etc. and showed that Chase has been PAID IN FULL and there is a CREDIT on my account for {$470.00}. ( based on beginning balance of {$22000.00} ) Based on the amount of {$22000.00} ( the amount showing on the itemized statement, adding the {$190.00} ) there is a CREDIT of {$400.00}. Chase is stating that I owe {$560.00}. Based on the information submitted, i disagree with this amount owed. In looking over the itemized that Chase sent me, Their statement showed several months where the FULL payment that I made was applied to the interest, nothing applied to the principal. I understand that interest is accrued daily, and computed on the principal of the loan. I would appreciate any help you can give me on this matter, as I have gone in person to the J.P. Morgan Chase Bank in XXXX XXXX, Michigan sat down with a representative with my paperwork, and she also could not help me. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America mortgage complaint. 
I am having trouble dealing with Bank of America on a mortgage. There are XXXX issues. 
1. I want to do a deed in lieu but they are directing me to a refinance. they say i have to be reviewed for a refinance before they can look at a deed in lieu. 
2. I have submitted all of the required information but they keep requesting the same information that I have already submitted. 
These delays are preventing me from proceeding on disposal of my property

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XX/XX/2012 I was offered a Special Direct Consolidation Loan opportunity with the US Dept of Ed for which I accepted. I was promised a lower interest rate with this consolidation which I was eager to do since my lowest loan had a rate below 2 %. However, this consolidation excluded these lower interest rate loans thereby not fulfilling the promise this US Dept of Ed consolidation offered stated here : How this benefits you : One servicer and one payment, rather than multiple bills and multiple payment addresses. 

Potential lower combined payment amount that 's based on a lower interest rate and the repayment plan selected. 

Up to 0.50 % interest rate reduction! Earn a 0.25 % reduction on the loans you consolidate and another 0.25 % rate reduction if you enroll in automatic debit. 

Lock in a lower fixed interest rate automatically on any of your loans with a variable interest rate. 

Same loan terms and conditions, including your eligibility for the same deferment and repayment relief options. 

Potential for Public Service Loan Forgiveness Program eligibility if you meet specific program requirements. 


Instead, the lower interest rate loans were kept at XXXX, only the higher rated loans were consolidated thereby making me have over {$30000.00} in interest in just 4 years after this consolidation. This offer has actually increased my interest due and NOT HELPED ME AT ALL. 

This is my complaint. Not sure why it was rejected before or why such little time is afforded to respond. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: ERC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being harassed by ERC collections over my son 's credit card debt with phone calls and dunning letters. We have the same name but I have nothing to do with the debt. I have told them this on the phone but the relentlessly harass me with more calls and letters. I am XXXX years old and not well anymore. Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CITIBANK, N.A.
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit to my husbands bank account in XXXX XXXX from my citibank account from XXXX. in the amount of {$700.00} on XX/XX/2016. That check was cleared and paid for by Citibank. I have the cancelled check and statement reflecting this. Yet, the bank in XXXX XXXX claims the funds were not released from Citibank and they froze the deposit amount of {$700.00} from the acct. At this point we are out of {$700.00} and neither bank takes responsibilities for this. 
I suppose I would have to submit a complaint on both banks as Im not sure where the error lies ... I am attaching copies of cancelled check, and both bank statements referencing the situation,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We bought our house in 2005 in benefit of our family. We have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all the responsibilities. I was sick and XXXX. CITIMORTGAGE owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP Trial Program. CITIMORTGAGE told me to continue making my payments without skipping any payments. I continued making my payments every month for about 14 month, but they continued asking for the same documents over and over. Every month I asked them when will I get my final approval and the answer was that We were approved they werejust waiting for another department to finalized the paperwork and they will send my final approval by mail. Aftermore than a year CITIMORTGAGE Transferred of sold my loan to XXXX XXXX without asking me or telling anything about my pending Loan Modification that we were approved. It was until maybe 2 months later when I received a letter from XXXX XXXX saying that they were my new lender. This is a breach of contract. XXXX XXXX said the could not process my payments and I have to start all over again!!!!. XXXX XXXX said that they could not honor my payments because they did not have my file. CITIMORTGAGE intentionally sold the loan to XXXX Bank XXXX now XXXX XXXX did n't want to process the loan modification. and they want to foreclose on my property. this is a totally abuse from BOTH BANKS ITS NOT ACCEPTABLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2015 I filed two claims to XXXX insurance company. I hired an attorney. At the time XXXX sent out a check for {$8300.00} for repairs. After case settled XXXX insurance co send two checks for repairs of the house. I endorsed the checks and send them to XXXX loan servicing company. The funds where deposited into a restricted escrow account. The total amount of funds for the two claims in this escrow account is {$44000.00}. 
I received the initial check from XXXX insurance company for {$8300.00} and two other checks one for {$21000.00} and other for {$15000.00}. I received two initial disbursement checks one for {$15000.00} and a second check for {$2300.00} from Rushmore loan servicing for house repairs. Now 75 % of the repairs are done and an inspector sent by Rushmore loan serv center has confirmed 75 % of the work is done. On the website where I log in to see my claim its called XXXX/Rushmore.com. I see they have the incorrect amounts of disbursement and remaining balance. They have the remaining balance as {$18000.00} and that is incorrect. They have the total disbursement as {$26000.00} and that is incorrect. The amounts are inverted. The file owner informed me that the disbursement to be send out since the inspection has been done will be {$13000.00} and that is because they are taking the 75 % from the incorrect amount of remaining balance. Please help. I owe half of the repairs plus I have to pay kitchen cabinets and counters. 
Rushmore is incorrectly handling the escrow account. The deposits from XXXX insurance are for repairs of the house. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation