BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: First National Collection Bureau, Inc.
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:
I believe First National Collection Bureau started sending letters to my home around XXXX, 2016 for a debt of XXXX they say I owe. First they are asking me to make XXXX payments of {$340.00}. Then, they are asking me to make XXXX payment of {$86.00}. Around the same time, I started receiving numerous phone calls saying nothing or asking me to stay on the line. I hung up every time I received XXXX of these calls because I thought it was someone trying to sell something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: HYUNDAI CAPITAL AMERICA
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I received a secure email from Kia for a buyout quote good until XX/XX/XXXX, the amount was {$17000.00}. 

XX/XX/XXXX I made a payment of {$2900.00}. This should have brought the balance down to {$15000.00} but it did not. It was brought to {$15000.00}. 

XX/XX/XXXX I called Kia to ask why. Was told that it was sales tax. I explained that there is not sales tax in NH. They said that they would correct it. 
Called back XX/XX/XXXX as it had not been fixed. Was told that it was a Rental Tax. I paid it. The balance now shows at {$15000.00}. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX called for updated buyout quote and last two payments applied to the account to be emailed to me and faxed to buyout company. 
XX/XX/XXXX Received complete payment history with no buyout quote. 
Called XX/XX/XXXX - Asked again for information to be sent as nothing has been received. They said that it was sent. Asked for it again. 
XX/XX/XXXX Was sent secure email from Kia showing only a full payment history. 
I can not have another company purchase my car, until they release this information.

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 2016-03-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
I have been told the payment has n't posted but I have mailed the payment two weeks ago. I have had a problem with Amazon Chase before with excessive overdraft fees. I do n't know when the next problem with this company will happen. Please help me to close the account without financial hard ship. Please I need help with this credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Genesis Lending
State: IN
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:
While attending XXXX XXXX in XXXX IN from XX/XX/XXXX-XX/XX/XXXX I was paying for my student loan ( Genesis Lending ) every month. It was hard enough working a part time job and going to school, plus paying for one of my student loans on top of that? Sure, I believed them that it was what had to be done to stay in the program, but I needed a job quick that would start out with decent pay. Is it the amount they told me I would start off at, of course not! I have now been in my field for over 6 years, out of XXXX students in my class I was XXXX of XXXX that actually got a job in what we went to school for. I also believe that I am over paying for my schooling. I would like to know what my next steps are to get relief from paying the rest of my student loans back since I have already OVERPAID what other schools such as XXXX XXXX are charging for the same program and with a degree or if I will be receiving any money back that I feel this school system legitimately stole from me. I feel that it is only the right thing to do to relieve me from paying off the rest of my loans through Genesis and XXXX XXXX. Plus, giving me back some money that I feel I deserve from putting up with this nonsense. It 's been nothing but a struggle trying to go back to school because NO ONE takes any credits from XXXX. If you ask me I 'm so ashamed and EMBARRASSED to say that I actually went to XXXX. XXXX promised that any accredited school would accept credits from there, shame on me for believing them. I feel I 'm very well qualified to continue with my education, but thanks to XXXX I literally have to start all over with everything. NO credits, NO degree, NOTHING. I feel as a student that attended XXXX I deserve something, whether that be relief of the rest of my loans or some kind of refund. All I have to say is what a JOKE!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my account without acknowledging me. They never took care of old issues. Still I can not get through. Chase does not have my address to send check. My unemploysas being deposited and I want it to go through. Chase refuses to respond to 10 calls yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: CAPITAL ONE FINANCIAL 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:
see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: BMW Financial Services NA, LLC
State: LA
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:
My account with BMW financial was reported late for the month of XX/XX/2019. This was my very last payment for my car loan. Before this late payment all previous payments was made 100 % on time. I contacted BMW to make payment arrangements for this payment. The representative assured me to make the payment by XXXX XXXX to avoid being late. I called in on XX/XX/2019 and made the total payment  of {$1400.00} per stated by BMW rep. Unfortunately, BMW still reported the payment late stating that it should have been made on XXXX XX/XX/2019. This have damaged my husband and I credit score horribly. I was only following the directions that I was given setting up the payment arrangements. I wrote BMW a letter explaining this. My credit report was updated to current shortly after but only with XXXX the other two credit bureau company 's was not. I contacted the other bureaus and was told that BMW refuse to update to current for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax released ( because of a hack ) my social security number, address, and other sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Massachusetts Educational Financing Authority
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:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently checked my inquiries for a car loan I applied for back in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX has improperly pulled my credit when I asked for more information about a car in XX/XX/XXXX. On XX/XX/XXXX, when applying for a XXXX, Ive received multiple hard inquiries from multiple banks despite choosing to bank with XXXX XXXX for the auto loan in the end. The multiple inquiries never were counted as one and they are still on my credit report. Furthermore, I recently traded the XXXX in for a XXXX and received an auto loan from XXXX XXXX but noticed XXXX XXXX made a hard pull on my credit report on XX/XX/XXXX. Please remove that inquiry also since I did not end up going with that banks loan. I would like the credit bureau to remove the inquiries that had nothing to do with the loan I ended up choosing to finance my car.

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 2015-12-01
Company: Select Management Resources, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband took out a title loan with this company. They repeatedly harassed him at work on his cell and office number when he told them not to call his cell or work number. He got laid off in XX/XX/XXXX and totaled the truck in XX/XX/XXXX. They are the title holder and was notified by the toll truck company and me. They put insurance on these vehicles in case something happens. After the vehicle was totaled they repeatedly called harassing him. They were informed 2 weeks ago that he died on XXXX/XXXX/2015. Today XXXX/XXXX/15 they texted his phone. Quote " Good afternoon this is XXXX mgr at Lone Star Title Loans it is important for you to call me at XXXX before XXXX XXXX or you may text back '' sent XXXX XXXX. How is a deceased person suppose to call or text, really you idiots. I used to work for a company like this one they can verify date of death at XXXX or the funeral homes website. I provided this info the them today. by responding to the text message. They were told not to call the cell number I know they did not have permission to text. What happened to the cell phone consent policy.Then they called his phone from the same number at XXXX XXXX today and did not leave a message. My grandson started asking questions again about his papas death and started crying because they were trying to contact a dead person. Really you dummies this is borderline harass.

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 2016-05-24
Company: Navient Solutions, LLC.
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:
Navient failed to process my payment timely in XXXX XXXX and again in XXXX XXXX. I consistently pay almost double my payment due and request the overage be applied to the principal. When I cancelled the check XXXX XXXX, XXXX after the payment I sent on XXXX XXXX, XXXX had still not been processed, Navient magically found my check and sent me a letter indicating I did not send the payment to the proper address. The address Navient gave me in the notification letter was the same address I sent my payment to every month including the XXXX XXXX payment. When this same circumstance occurred again in XXXX XXXX, I called Navient customer service and XXXX verified for me there was nothing she could do and no one she or I could contact to address my payment concern. I would just have to pay another {$50.00} to my financial institution to stop yet another payment they failed to process timely and would not acknowledge they even received. XXXX kept assuring me she felt sorry for me but could or would not provide any recourse to solve the issue. She tried to verbally run me around the bush so she would not have to admit I would end up having to pay more interest. It is basic mathematics. Navient is playing games so I have to pay them more money in the long run while they add extra interest for the next payment from principal that would have been paid if the payment was processed timely. It may not seem like much when they do this every so often ; but, when your outstanding loans are significant, this extra adds up. I have followed every protocol and procedure allowed by Navient to be financially responsible and I am being persecuted and punished because Navient is greedy. I made my payments every month even though I did not receive a statement with a payment coupon for XXXX XXXX and XXXX XXXX. I believe Navient was hoping I would not notice and miss my payment incurring late fees and/or extra interest on amounts that would accrue on a higher principal. Navient does not provide a mechanism to pay online and allocate the overage to go to the principal of the loan ( s ) which would provide instant verification the payment was received. The only mechanism currently in place to allocate overage payments to the principal is through paper check with an accompanying letter to signify the borrower 's wishes for the allocation of the overage towards the loan. Navient has consistently disregarded my wishes NOT to advance my payment due date ; also hoping I would not keep paying consistently and reduce the principal on which interest would be figured. Navient consistently engages in immoral and unethical business practices which could be construed as predatory practices meant to harm the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX aound the XXXX I noticed my ATM way not working so I called the XXXX number and they said it was the activity and they would fix it so they said they did I went to check it and nothing I called again and the person said ok I fixed ot try it now and I did and it worked so the next morning I tried it and nothing and so I called and they said that the fraud unit was investigating and would not say anything about it then in the XXXX I got a letter saying it was a business decision to close the account and it would be on the XXXX of XXXX nothing else about what why or how come then on the XXXX  my social security check went in I got it and deposited in my new account and there was still 2000 in the account in the account they then sent another letter saying that they will try and resolve this by the XXXX of XXXX and then it says it XXXX take longer on XX/XX/XXXX the account was closed and the money stayed in there for a couple of weeks and then with out any notice or anything it was taken out and I dont know what or where it went not my social security check i was to receive for XXXX I have not received and if this account is closed why ate they accepting a deposit from social security when it should have be not allowed into the account i have not heard anything from this company since they sent some letter acting all secretly like i was it was something important and it just said we are looking into this and such

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 2020-01-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I first called Bayview Loan Servicing, they asked me if they could send me text messages. I said " no '' on the phone. They start sending me text messages anyway. They lie in the text message saying that I signed up for text alerts -- I did not.

When Bayview asks you to " re-confirm '' opting-in, they ask you to say yes. The word " no '' is not even an option! See the attachment as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: IN
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:
Submitted a dispute to Equifax regarding the wrong addresses listed on my consumer credit report. There's been identity theft and addresses on my credit report that are not mine and do not belong to me. The only address that should be listed in consumer 's credit profile is the address listed on consumer 's identification, driver 's license or the address on consumer 's current mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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: Account information incorrect

Complaint:
I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my Equifax report. Also, I checked XXXX and XXXX and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE. I'm requesting that all three credit bureaus delete this account immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian currently reports inquiries that is in Violation of fcra rules. Theses inquiries had no proof of permissible cause, no loan or credit has been awarded as a result these inquiries are a violation of FCRA rules section 1681.

Inquiry under the name ; ( XXXX ) inaccurate reporting a violation of FCRA rules

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 2016-07-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
1. I made additional payments above my scheduled payment and the bank applied all of these additional funds to interest without telling me. When I requested an amortization schedule, the bank employee refused. 
2. In XXXX 2016, this Santander Bank NA imposed a forced flood policy on my property for % XXXX. I have a policy on my property and I refused to pay. I faxed this information to the bank multiple times ( 40 times first time, 20 times, the next ) but the information mysteriously disappeared and even though I made my scheduled payments, the bank stated that I was not making my payments because I did not pay this {$5000.00} fee. 
3. In XXXX 2016, I made an additional payment of XXXX the Bank imposed a property search fee on my property, charged me {$85.00}. for this and took the entire additional payment of XXXX instead of applying it to the payment, thus I am late again. 
4. On XXXX XXXX, I attempted to make a payment for {$800.00} ( regular payment of {$16.00} cents and the rest as principal ) the bank refused the additional principal payment. this is the usual occurrence. This bank always thwarts attempts to pay down the principal. 

Because of all of this, my credit rating has dropped XXXX points because it appeared that I did not make payments for 3 months.

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 2016-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Credit Report is showing XXXX hard inquiries that I do not recognize, I do n't believe I authorized these credit checks. 

XXXX XXXX XXXX XXXX XXXX XX/XX/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 2016-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, I have a home loan with Bank of America and my mortgage was about XXXX monthly. 
For some reason my taxes went up where I was included to a different percentage rate once I was classified as investor and not owner living in the property. 
So I got in touch with the county and they fixed and I sent to the bank all paper work, but when I called the bank they did not corrected my mortgage payment once my escrow was showing I own the bank almost {$2500.00} and my mortgage jumped to $ XXXX monthly. I told them I could not afford to pay that amount and it was adjusted to {$1500.00} which for my budget still high. 
I know the county still have to send me or to the bank a refund but I have no idea how long that will take. 
I guess the fight should be done between bank of America and the county, I do n't see a reason to pay for someone 's mistake.

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