BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I never gave XXXX permission to do a hard pull on my credit. I merely called to inquire about pricing. I also never gave them my SSN. Apparently they have it as I was a customer 10 years ago. They pulled my credit twice so far, on XXXX and then again on XXXX. I contacted Equifax to have the pulls removed. They went back to XXXX who claims they are valid. They are not. Equifax will not remove the pulls and this is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: ERC
State: IA
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:
Enhanced Recovery Company is trying to collect a debt that was already deemed invalid and removed from my credit report by another collection company, XXXX XXXX.

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 2016-06-06
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Can not access free annual report online at XXXX. Can only access via submission of a written request by mail or by uploading request to 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 non-monetary relief
Consumer complaint received 2017-01-24
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Well over a month ago I requested a free credit report. After at least three weeks I received notification that Experian required additional information to process my request. I mailed the information back with a copy of the letter they sent me. I just received notice that Experian will not be producing my credit report because they " are not affiliated with the annual free credit report program. '' I am not able to contact Experian directly regarding this issue. Please sue the fecal matter out of Experian. Please fine Experian to the point of bankruptcy. Then ensure all Experian board members are placed in prison, for at least 10 years each. 
Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Account Discovery Systems, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Not my debt. Asked to remove phone number from data base. Called at XXXX AM PST on XXXX/XXXX/2015 and XXXX AM PST XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
in 2007 i received my XXXX credit report and noticed there were numerous merchants that were not mine. i called transunion to report this and thet said they would take care of it. i later found out i made the mistake of not contacting the merchants. i recently tried to get copies of my past credit reports ( 2007 etc ... ) and they said they couldnt produce them. i beleive im a victim of identity theft that is sometimes followed by stalking that can go on for 5 years or more can cause XXXX etc ... i need these past credit reports to prove im a victim of idetity theft to stop the stalking.

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 2016-11-16
Company: National Principal Group, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a call from Np Group, stating I faulted on an online loan back in 2012. They told me my full social security number which I did not give to them and I tried to tell them I have never received an online payday loan. XXXX to a XXXX he hung up on my then spoke to a XXXX first time she hung up on me second time she said she can not give me any information by mail only online. I told her I do not due any business via online so she said she will contact cpap investors and note the account as unwilling to pay. This is a scam the number that called me was XXXX. I wish to be taken off thier list for I do not owe this debt and they threaten to contact my family members to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Zwicker and Associates checked my credit report twice. Once in XX/XX/XXXX and XX/XX/XXXX. My account allegedly defaulted in XX/XX/XXXX ; therefore, Zwicker did not have any reason to check my account in XX/XX/XXXX. I find it was not a permissible reason to check it in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
Chase Bank in their overzealous security has restricted me from accessing my Chase XXXX Card ( Acct. # ending in XXXX ). I was attempting to verify a XXXX Chase credit card that I recently applied for ( i.e. the Chase Freedom XXXX XXXX with Acct. # sending in XXXX ), and Chase XXXX would NOT allow me to verify this credit card. Furthermore, Chase Security then lock me out of their online access to my Chase XXXX Card which I have had for more than ten ( 10 ) years. Several phone calls to Chase Security has resulted nowhere and promised phone calls back has NOT been kept. Please help me resolve these XXXX XXXX XXXX XXXX matters by Chase Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Individuals with private student loans serviced by XXXX XXXX ( which has changed its name to Navient ) who were charged late fees for missing payments. This alert specifically affects borrowers who took out loans before 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Navient Solutions, LLC.
State: MA
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 currently have a private student loan with this company. I have called them asking for my monthly payment to be lowered because I can not afford the payments in addition to my other bills. The rep took all of my expenses and came back and told me I can not get my payment lowered because I recently got a new car and I have credit cards with available money to use and balances on my credit cards which is incorrect because my credit report is not updated. I am trying to make my payments so I do not XXXX my credit and they are not willing to help. I did not knowing buying a car to get to work and to get my child to school would mean I can not lower my student loan bill. I am living paycheck to paycheck and have to not buy food sometimes so I can make my payments and this company is OK with that as long as they receive their payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Someone attempted to gain access to my accounts held at USAA bank via email and telephone. The individual was successful via email, but unsuccessful via telephone which prompted the bank to " freeze '' the account. Freezing the account prevented a regularly recurring disbursal from occurring. As a result, the creditor who would have received that disbursal filed the ultimately late payment against my credit score. 

The creditor, upon contact, indicated it would remove the report if it was due to identity theft. I contacted USAA asking for written proof of the incident that I could send to the creditor, but the bank has been non-compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Overdraft, savings or rewards features

Complaint:
bank of XXXX mail me my rebate card, lost it bank of XXXX says its the XXXX who gave the rebate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the US Bank XXXX XXXX credit card for the free 'bonus night ' award, which was exclusive to cardmembers after paying the annual fee of {$75.00}. However, they took away the bonus night - the sole benefit of me signing up for the card. I need the {$75.00} annual fee waived, since the benefit promised by paying the annual fee is now no longer given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in a balloon mortgage payment and did not know about it. We thought we were in a 15 year mortgage. We were just notified in XXXX that the balloon had to be paid off. They told us we had to pay {$30000.00} by the end of XXXX, 2015, but now they asking us for {$8400.00} by the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
This complaint is being submitted by XXXX XXXX XXXX on behalf of the borrower. XXXX XXXX XXXX represents the borrower for the limited purpose of filing administrative complaints and assisting with loss mitigation. Ocwen is the current servicer of the borrower 's mortgage loan. This loan is not currently in foreclosure. The following violation has occurred with regards to the borrower 's mortgage loan:1. Ocwen 's failure to send periodic mortgage statements : The borrower has not been receiving mortgage statements since the borrower received his modification in XXXX of 2014. The borrower lives at the property address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, 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 2015-03-25
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried to complete a loan modification through CitiMortgage Inc., but they refuse to forward my loan documents to the investor. CitiMortgage is the servicer, XXXX XXXX is the master service, and XXXX XXXX is the investor. When I submit a loan modification my paperwork is sent only to XXXX XXXX and my loan modification is not being reviewed appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage loan with Amerisave. While the loan was in underwriting process, I switched to a different lender. The loan was an FHA. I had paid for the appraisal. XXXX which is the currently lender I am working with requested the FHA case number and appraisal to be transferred to them. Amerisave transferred the case number and refuse to lease the appraisal. By law, Amerisave have to release the FHA appraisal report since I had paid for it. They lied to XXXX big time. Amerisave said the appraisal was not complete ; which was untrue. they also said the appraisal was not an FHA ; which was also untrue. I am requesting Amerisave to refund the full appraisal fee of {$420.00} that I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempting to collect a debt that I do not owe. Threatening with legal action by representing themselves as process servers trying to serve me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Cash advance

Complaint:
To Whom It May Concern : On XX/XX/2016 I attempted ( unsuccessfully ) to withdraw ( drive-up ATM ) {$300.00} from my American Express ( Serve ) credit card ( hereinafter AMEX ) - via my local community bank retail branch ( XXXX XXXX, XXXX XXXX XXXX, XXXX, MA ). After correctly inserting my AMEX Credit Card, entering correct PIN #, requesting {$300.00} cash ( sufficient funds in account ) and agreeing to XXXX XXXX and AMEX ATM transaction fee ( s ), the ATM locked-up and shut down, never dispensed any cash whatsoever ( {$0.00} ), and would n't release my credit card. I immediately went in to the bank 's branch, informed Branch Manager of what happened and assistant was able to get my credit card - but no cash ( as requested ). I complained to Branch Manager, then went home and logged in to my AMEX account. My AMEX account had been debited ( same day and time ) for a total sum of {$300.00} from the failed transaction ( {$300.00} cash requested, {$2.00} AMEX withdrawal fee and {$2.00} XXXX XXXX ATM fee. Then I went back to bank branch and was informed that I would have to file a dispute directly with AMEX ( informed by Branch Manager required by federal law via some Regulation E ). The following day ( XX/XX/2016 ) Branch Manager informed me that the funds I requested had been received by them from AMEX and that ( per Regulation E ) they had to wire same amount back to AMEX. So I correctly completed and faxed AMEX 's XXXX-page dispute form. Several days thereafter I received a " provisional credit '' from AMEX for {$300.00} ( within the 10-day period ). Several days later I received e-mail notification from AMEX that I lost the dispute ( was found guilty ) and the funds would be taken back ( my account debited ) on XX/XX/2016 ( which they did ). I was so upset I almost had a XXXX XXXX ( XXXX ). In closure, I 've been ripped-off a total of {$300.00}, and from my perspective it 's outright theft ( stealing ). By what company I do n't know ( 3rd party ATM transactional processors, etc. ). As much as XXXX XXXX staff sincerely tried to help and advise me, neither XXXX XXXX nor I know of what company the credit ended up with. AMEX customer service ( off-shore in-bound customer service call center ) will not, or possibly can not, provide XXXX XXXX and/or myself any contact person or phone # for anyone in the AMEX dispute department. I 've repeatedly called and repeatedly told the case is closed, and nothing can be done. CFPB, I completely believe what happened to me, and likely XXXX 's or XXXX 's of others in the past and future is just not some digital ( programming ) transmission mistake. Bottom-line I want credit card credited for {$300.00}. All of the above is 100 % factual. 

P.S. Hopefully, I will not me executed ( socially exterminated ) for challenging corporate America protocol ( the greed factor ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX from HFC calls my cell phone as well as the phones of my family members threatening me every day on debt that I DO NOT OWE from 2005.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was behind in my mortgage with SunTrust Bank so I filed for a modification on my mortgage, Instead of lowering my payments they have raised it considerably. If I am a day late they make me start over and charge me to do so. my payments use to be in the {$600.00} range and now its in the {$800.00} 's. I feel that they are taking advantage of people that are having a hard time making payments. I am struggling with this payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX ga phone XXXX i had an agreement to pay XXXX XXXX a month but overpaid them because im on a budget and wanted get caught up knowing i would not have all the money next month but they stated the remainder went to the balance yet it was not in the agreement and they allowed payment knowing this and mislead me. i cant pay XXXX this month which they are asking and they refused to take the difference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The bank force me into a charge off but then we were approved for the Service Relief Act and it was cleared up in 2011. Now they are reporting this as a charge-off loan as of this year.

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 2016-06-12
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX is stating that I was 90 days late in 2012. However, from my recollection I was under forbearance and I should not have these negative mark on my credit report. I have sent letters requesting for my payment history which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have federal loans through Navient and have tremendous problems with them! I actually had to contact a lawyer because navient has harassed and threatened my father who co signed for me and myself! Telling us we need to grow up and pay the full amount on the loans, which I then explained I could n't afford because I was unemployed because my degree was worthless! I graduated from XXXX XX/XX/2012 and was objectified by that school. They took out XXXX different loans in my name that I had no idea would happen! Navient has caused my fathers health to XXXX by the harassing phone calls and threats! He had a XXXX because of it! I want them to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had numerous problems over two yrs. over last two months I have called Bank of America over 15 times went to voice mail. I received one call in that time. Over one month ago I requested loan mod application. Never received now as of XXXX I have foreclosure papers on my home

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 2016-09-13
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I was looking for a bank that offered first time home buyers program and I saw an advertisement from EverBank that they offer such program. I called XXXX XXXX Mortgage Loan Officer XXXX # XXXX. I emailed all my husband 's pay, tax info and my daughter 's social security information. After submitting all our information, if was extremely difficult to contact her. I sent out email, and left several messages on her answer machine with weeks would go by and would n't here from her. I had to call main office and have them contact her. When I finally contact her, XXXX XXXX said she needed a letter from social security stating that my daughter will received benefits for the next three years. I went to security and told them what XXXX XXXX wanted, I was told by security that they will never write any such letter, that and XXXX XXXX needs to real their website rules and regulations on social security. We were unfairly denied a mortgage. We went to another lender and was approved for a loan using the same social security information. XXXX XXXX treated us unfailly during this whole process of this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I spoke with a Chase Auto employee named XXXX ID number XXXX. She advised me my vehicle up for possible repossession if the late fees are not paid. I asked her how it that possible she said the company has a right to pick vehicle up since it 's past due.

Company response to consumer: Closed with explanation