BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: CT
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:
In 2012 I made a payment arrangement with Navient. I pay them {$100.00} every month since XXXX of 2012. This year they took my federal tax return as payment, saying I was delinquent. I was under the impression that when the payment arrangement was made it would bring everything current and I would continue to make my monthly payments. They submitted a request to take {$4200.00} of my tax return, leaving me with nothing. I 'm a single mother of XXXX, pay for everything on my own and I was really depending on my return to catch up on bills, get heating oil for my home and have a cushion for this year. When I contacted them I got a run around, transferred to central credit services instead of them, continually sent to an extension that requires you to leave a voicemail, yet you ca n't leave a voicemail so it hangs up on you. I do n't understand how they can take my refund when I make payments to them monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, amd Transunion refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs

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 2017-04-14
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not know what this is. This is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Galaxy Capital Acquisitions, LLC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a XXXX year old XXXX XXXX Veteran, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My health is very poor and my future is bleak! 

I have received a communication from XXXX XXXX XXXX telling me that I owe {$6700.00} from XXXX through Galaxy Asset Purchasing LLC, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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:
Hello, I have been contacting XXXX, Transunion and XXXX   since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number 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
Consumer complaint received 2020-01-13
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: Information belongs to someone else

Complaint:
After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the Equifax Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 XXXX XXXX XXXX XXXX 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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the XXXX  Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.

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 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've contacted transunion on several occasions and faxed police reports and FTC Identity theft report to them as well and they have n't removed the fraudulent inquiries yet!

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 2020-08-15
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
ALLY, the lender, refused to release MY title, the car was paid off XX/XX/2020

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 2020-08-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
NOT A DUPLICATE COMPLAINT. Chase lying to the CFPB to avoid accountability. 

TIMELINE OF EVENTS XX/XX/2020 - Contacted chase regarding a charge that the company said they would refund. I provided the acknowledgement from the company of return. 
XX/XX/2020 - Chase notified me that they would not honor the dispute since the company claimed I had not returned it. They gave me 14 days to respond. 
XX/XX/2020 - I provided the written acknowledgement from the company of the return again via. Chase 's secure messaging center ( their requested method of response ), and by filing a complaint with the CFPB ( XXXX ). ( DOCUMENTATION ATTACHED ) XX/XX/2020 - Chase lied and said that I had not responded to the dispute and they closed in the merchants favor. ( DOCUMENTATION ATTACHED ) This was both a day early and misrepresented the fact that I had responded in the medium they required. 

XX/XX/2020 - Chase lied to the CFPB and claimed that they reopened the dispute on XX/XX/2020. I contacted Chase on XX/XX/2020. I spoke with XXXX in the dispute department. They told me that they never reopened the dispute. They indeed had spuriously closed the claim in bad faith. 

It appears that Chase is lying about the obvious facts in an attempt to override consumer rights because of a prior agreement with Amazon. This is fraud. I have provided all the relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX submitted documents for a loan modification via email on XX/XX/2015. Ocwen confirmed receipt of documents and stated a review had been opend. on XX/XX/2015 ocwne Stated nothing was needed. On XX/XX/2015 ocwn stated they needed a date of when hardship started. That info was given to them that same day. XXXX was called on a daily basis. Nothing was needed from them and the file was under review. On XX/XX/2015 Ocwn called and stated they would not review the file any further as the sale date was too close. They stated that there was missing info which was the date of hardship and that is why they could n't review the file. That info was given to them same day it was requested. Ocwen is refusing to assist the homeowner per XXXX XXXX and per supervisor XXXX XXXX. Ocwen is discriminating against XXXX XXXX because she is XXXX. Ocwn is discriminating against her based on her race, national origin and sex,. Ocwn needs to treat her file as any other file and properly review the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I feel as though I 've been subjected to predatory loans as a result of taking out private student XXXX loans. My loans, nominal in nature, have been regularly paid for the past 10+years, and I have seen little to no reduction in principal balance. I feel as though this was misrepresented to me when I originally signed up for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LTD Financial Service demonstrated false representation by presenting themselves as a debt collector on behalf of XXXX. They also, call and do n't leave messages. When questioned about why they do n't leave a message, you 're they ca n't leave messages. 

On XXXX/XXXX/15 I received a call from LTD Financial Service ( I spoke with XXXX XXXX, I was then transferred to XXXX XXXX ) advising they are collecting a debt on behalf of XXXX and that I only had 45 days to pay them plus interest. I advised I did n't believe they were collecting on behalf of XXXX because I received a letter from another debt collector for the same account. 

I advised LTD that if they legally owned the account to mail me a copy of the original terms & agreement and that I would then make payment arrangements. LTD sent me a letter dated the day of over conversation ( XXXX/XXXX/15 ). 

I followed up with LTD on XXXX/XXXX/15 ( I did n't write down the reps name however LTD advises they record the calls ) on the XXXX I again requested they provide documentation that they own the account. I advised that I would contact XXXX to verify whether or not they own the account. The rep offered a telephone number XXXX. I advised that I would use the telephone number that I have. 

On XXXX/XXXX/15 I spoke with XXXX at XXXX and explained what was happening and I asked if they are continuing to collect the debt. XXXX advised they are not collecting the debt because charged it off and that they would have contacted me if they sent it to a debt collector. XXXX also let me know that she was unable to verify the telephone # XXXX and the address ( XXXX ) noted within LTD 's Financial Services letter. 

I called and spoke with XXXX XXXX on XXXX/XXXX/15 to relay the conversation I had with XXXX. I was transferred to XXXX XXXX. After letting XXXX XXXX know XXXX is not attempting to collect the debt she attempted to continue to convince me that they were a debt collector on behalf of XXXX. Within moments, XXXX XXXX then told me that they no longer have the account in their office and the debt was cancelled as of XX/XX/2015 based on the conversation with them on that day. Note : the XXXX/XXXX/15 conversation was recorded ( with disclosure it was recorded ). 

On XXXX/XXXX/15 I called the telephone number LTD alleged was the number to XXXX, a prerecorded was received indicating, hello, thank you for calling, the number you called has changed, hang on, you may qualify for one of the following options ... 

Clearly, this appears to be a company attempting to scam consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX we have requested Select Portfolio Servicing , Inc. ( SPS ) to refund money owed to me ( XXXX XXXX - Trustee to the XXXX Family Trust ) in the amount of {$1900.00}. After SPS took no action despite requesting the return of my money and after providing supporting documentation on many occasions, I filed a complaint with the CFPB in early XX/XX/XXXX ( See Complaint Number XXXX ). As a result of this complaint, on XX/XX/XXXX, SPS agreed to refund my money and the CFPB complaint was closed. However, to date, SPS failed to return my money for which they represented in writing they would do ( where the check should have been issued in the appropriate name, XXXX XXXX, as property owner to the home that collateralized the subject SPS loan that I paid off in XX/XX/XXXX ). It is now XX/XX/XXXX, almost 2 months since my complaint with CFPB was closed and about 9 months that SPS has wrongly withheld my money. 

At this point, it appears the only explanation for not processing my refund is that SPS is intentionally and fraudulently keeping my money and/or they have material weaknesses in their internal controls, which should be brought to the attention of the CFPB, U.S. Department of Justice, and SPS 's independent financial statement auditors. 

As such, I'm demanding that SPS return my money to me immediately. 

Please advise on when I will receive a check in the amount owed of {$1900.00}. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX, have been trying to Modify my XXXX mortgage Thru Chase for the past XXXX years. They take a long time and we keep providing all the information that they require in a timely manner. I keep being told that its under review and then I am told to resubmit everything all over again because the file is too old again. I keep getting the run around and not the help I need. I have been having financial troubles XXXX and a severe reduction in work and pay. However, I feel that I can save our families home with a Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I consolidated my students loans through the government, I selected the 30 year repayment for a fixed interest rate. Late last year, FedLoan Servicing, increased my payment by more than {$50.00} because they said they audited my account and determined I would n't pay it off in the 30 year time window. After multiple phone calls with FedLoan Servicing, they said I could n't do anything, I had to pay the new, increased amount. If I wanted it lowered, I would have to change my payment plan to a standard one ( with no guarantee of the interest rate not changing ) but there was no guarantee the payment would go down. They offered no other options, it was pay it or go in default. How can they raise the payment if it was a fixed payment amount for the entire life of the loan? I was sending extra money each month and they were n't applying it to the principal, as I requested, so the interest was only being altered and not by much. I worry that my payment will go up again in a year or two and already it is incredibly high at {$770.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Sir Madam Each month I receive statements ( demands for payment ) XXXX for the following month and XXXX for the month that has been paid but dosement acknowledge that payment. I want Chase Bank to stop sending us a demand for payment, for a period that has already been paid. Just to be clear we receive XXXX bills for every loan that we have. This is confusing and will eventually cause a laps in payment or an over payment. Which I want to avoid both they are blaming the federal government. I would like to have any payments already made to be acknowledged since we pay the stated amount before the statement is sent. If the statement amount has already been paid the statement should at least state that. This practice is bound to cause a mistake that will cost me money for a late payment or something like that. 
I would like to point out that JP Morgan Chase bank is a convicted felon, convicted by due process of law and as I understand they have admitted to these wrong doings. 
I also do n't think you the c.f.p.b. will not intervene in this case you people have been of no help in the past XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Issue : Suntrust 's Unethical business practices and an unreasonable increase in monthly mortgage payment. The first increase was from {$750.00} to {$1000.00}, a difference of {$310.00}. After numerous discussions with Suntrust, the mortgage was adjusted to {$870.00} which is {$110.00} more than I started with during the course of one year. I have a tax assessment from XXXX XXXX Government, XXXX XXXX XXXX XXXX XXXX which states as of XXXX XXXX, XXXX. I was approved for XXXX XXXX Special Assessment of 4 % approval based on the % of ownership ( XXXX XXXX ). 
I am currently billed at 6 % and have not received a refund payment for the 2 % difference. I paid the 6 % for one year. I was told by Suntrust Mortgage I had to wait until the tax bill was issued, and that bill was issued XXXX XXXX, XXXX. Each of the XXXX previous loan service providers who bought the mortgage note prior to Suntrust also refused to make any adjustments to the mortgage payment which would reflect 4 % state tax. Instead of a mortgage payment decrease there was an increase 4 months after Suntrust Mortgage became the servicing institution. 

This increase has caused a severe hardship and emotional angst. I am a retired senior with XXXX source of income and may have to consider selling my home if I do n't get some financial relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX  XXXX {$1800.00}

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 explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: NJ
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation