BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX I mailed a Qualified Written Request by US Priority Mail ( # XXXX XXXX XXXX XXXX XXXX ) to Chase ( XXXX ), XXXX XXXX XXXX , XXXX, OH XXXX. The letter requested 1 ) a copy of the complete servicing file associated with the referenced account number ; 2 ) all correspondence and documents associated with the servicing of the referenced Credit Line Mortgage ; 3 ) all correspondence and documents associated with the servicing of the referenced Home Equity Line of Credit ( HELOC ) ; 4 ) complete accounting ledger ( s ) associated with the servicing of the referenced Credit Line Mortgage. Said QWR was confirmed as " Delivered '' on XXXX XXXX, 2016 and signed for by XXXX XXXX at XXXX. On XXXX XXXX, I faxed the QWR to Chase at XXXX at XXXX which was confirmed " OK ''. I received a letter from Chase dated XXXX XXXX, 2016 ( Reference Number XXXX ) indicating that " additional research time '' is needed " because we are still pending additional research to resolve your inquiry or request. We will have an answer or a status updated for you by XXXX XXXX, 2016. '' I received another letter dated XXXX XXXX, 2016 stating " We are writing to follow up on your recent request and inform you we need additional research time because we are still pending additional research to resolve your inquiry or request. We will have an answer or a status update for you by XXXX XXXX, 2016. '' As to today, XXXX XXXX, 2016, I have not received an answer or status update on this inquiry. The referenced account is noted in Chase documents as a " servicing account '' number for the mortgage and home equity line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was always current with my payments with Santander. When I reached out to them in XXXX or XXXX of 2019 and told them that I was starting XXXX school and that I needed help with lowering the payments, they told me that my only option was to refinance the car loan, which I could not do. 

Well, I had to voluntarily give up the car. The car was sold at an auction for less than the original balance and now Santander is coming after me for {$7000.00}. This is still being reported on my credit report and it's not right. 

Not to mention, how Santander is charging the same amount of interest as the car price. For example, my car price was $ XXXX. After 72 months, my payment would be over 30k to this company. 

I don't understand how finance companies are getting away with cheating people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: BSI Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company sent me an email to " go paperless '' for my bill. I have never heard of this company, and know of no reason why they would be billing me, or even contacting me. What concerns me explicitly here is that it appears they are trying to trick me into acknowledging that I have read the email by clicking a link to " go paperless '' or " opt out. '' I won't be clicking either of these links because that's a tactic used by spammers. If I do owe these people money, they can contact me like a normal company instead of stealing my email address and attempting to trick me. I've included the full email they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In  XX/XX/XXXX  I took out a student loan serviced by  XXXX   XXXX  ( now serviced by Navient ). The loan was disbursed  on XX/XX/XXXX  in the amount of {$32000.00}. I made payments on the loan but had difficulty making the high payme nt. When I approached  XXXX   XXXX  the only option was forbearance. They said I did not qualify for any other repayment plans. Every time I called they offered me forbearance or a couple of months deferment. I have been making monthly payments on the loan with out missing a single payment or having forbearance/deferment sinc e  XX/XX/XXXX . Pl ease see the attached spreadsheet that I downloaded from the  Navient w ebsite. Currently I make a payment of {$340.00} per month. The amount is applied to both interest and principal. My principal balance never goes down. In fact, it goes up. I currently owe {$37000.00} and I have been paying on this loan for over 10 years. As of today, I have paid {$27000.00} toward my loan. Why has n't my principal gone down? Why do I owe more than I every took out, 10 years later? I feel that   XXXX   XXXX  /Navient is misapplying my payments, has misguided me and has not been truthful with me about repayment options throughout the course of this loan. My interest rate is set at 6.5 %. I have also asked about lowering the interest but they say I 'm not eligible. They have been impossible to work with when I did ask them about repayment options or why my loan balance never goes down. They also claim that they will follow up with me. When I call them back they say that they have no record of talking to me. When I send in documents they claim to never have received them. I understand that the CFPB has filed a complaint against  Navient. I know that I am one of the people who has been wronged by Navient.   Please let me know what I need to do to correct this problem that I have had. The loan amount and the payment amount are a huge financial burden on myself and my family. My current estimated payoff date  is  XX/XX/XXXX . I do n't see how I could ever pay this off with the way they are servicing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Back in 2012 I voluntarily surrendered my vehicle. There was a remaining balance on the loan, which then got sent to collections. Since 2012 I have moved twice, and never received anything from the collections agency National Recovery Agency. I called them from from the number that was on my credit report, asking if they could please mail me something to verify my debt and balance that I owed. They said they mailed something back in 2012 and they did not have to send anything again. I told them that I never received anything, and asked again if they could send me something. She said they were not a billing company and since they already sent something in 2012 whether I received it or not - and my address did change- they would not send anything else. She also said that if I made payments on my debt they do not send a receipt or updated statement. How am I supposed to pay on a debt when collections agency practice like this? How am I supposed to pay when I am unsure of the amount, and if they are applying my payments to my account?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2023-02-26
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22, I contracted with XXXX XXXX ( DBA Home Fix Experts ) to build a retaining wall in front of our house. As part of this agreement, I sent, on or about XX/XX/22, a {$3000.00} payment to XXXX XXXX via my Venmo account ( under email address XXXX ). Venmo withdrew the payment from our XXXX checking account and transferred it to XXXX XXXX 's account. Because we had only limited experience with XXXX XXXX, I also elected to use Venmo 's purchase protection feature, which charged a small fee to allegedly protect us from fraud or failure to provide services. Full terms can be found at https : //venmo.com/legal/us-user-agreement/ # venmo-purchase-program. The site specifically says that it applies to sales of both goods and services. 

Halfway through construction, XXXX XXXX stopped performing work with the wall half finished, and instead provided one excuse after another for the delays. He claimed to have ordered another pallet of stones on our behalf, which never arrived. He repeatedly claimed that a truck would come by to take away the trash in front of our house, which never happened. His employee ( XXXX XXXX ) showed up at our house and stated that XXXX XXXX never paid him. Finally, my husband called the place that provided the first shipment of stones ( XXXX XXXX ) and they said that XXXX XXXX 's credit card didn't work and that they'd been trying to track him down for payment for XXXX weeks. 

After all that, I contacted Virginia 's Department of Professional and XXXX XXXX, and found out that he was unlicensed and what he was doing was illegal. My husband texted him about all this, and he did admit to me via text that he is not licensed. 

When I contacted Venmo and attempted to get back our {$3000.00} via the purchase protection plan, Venmo opened an investigation, but closed it multiple times without informing me, gave me the runaround, and at one point even closed my account, preventing me from following up. After admitting that they closed the account in error, Venmo reviewed the available evidence again and concluded that we did not qualify for purchase protection because I was merely suffering from " XXXX 's Remorse ''. Since XXXX XXXX failed to provide the completed retaining wall that I contracted for, I don't believe that " Buyer 's Remorse '' is an accurate reflection of the issue. " Buyer 's Remorse '' describes a condition where the buyer is simply regretful after the full completion of a transaction. In this case, the service provider did not provide a completed service. 

I am happy to provide additional evidence if needed. We have a full SMS transcript of all my husbands interactions with XXXX XXXX, but the full file is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Experian Information Solutions 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:
Experian and XXXX are reporting incorrectly a late payment in XX/XX/2019 on the XXXX/XXXX XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.

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 2015-09-17
Company: SQUARETWO FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was recently informed by a potential mortgage company that there is a judgement against my husband for over {$4300.00}, it was filed on XXXX XXXX, 2008 by CACH , LLC for XXXX Bank. We were never served any papers or notified. I tried to locate who to speak with regarding this but all the trails are dead ends, XXXX bank is out of business & the number I was given to call said I won a cruise. It was filed in a civil court in a town I do n't live in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2015-10-22
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
my payroll direct deposit was never credited to my account, they are blaming a computer glitch however as of today, they have not made good on those funds. That 's not a glitch that 's fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06
Company: BlueChip Financial
State: CA
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 a man stating he was with Spotloan.com about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is BlueChip Financial and not even licensed. They need to be stopped!!

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 2022-03-14
Company: Experian Information Solutions 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-07-09
Company: Klarna AB
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Klarna continues to act as if they are not receiving my payments and adding reminder fees to my account. I have sent screenshots of payments that were sent from my bill pay account and the dates they were sent but they continue to act like they didnt receive the payments. In the last complaint I filed, they still denied the payments received. I have called them and emailed multiple times and they do not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i inquired of experian to please let me THE CONSUMER know the methods of their validation as to the reporting of a bankruptcy on my credit report. I have disputed with experian and their results came back to me on XX/XX/XXXX, stating the bankruptcy REMAINS, which means they will continue to report this. They have no right to furnish this information without proper investigation. Although they have responded to my previous complaint, it was a " copy and paste " general response.I have disputed this for so long i deserve a proper response. All data furnishers have NOT released any information Experian, i have also submitted a paper from the court, stating that they did not provide this information, FURTHERMORE, XXXX  and XXXX  have done a PROPER investigation and have deleted this bankruptcy error on XXXX and XX/XX/XXXX ( which i have uploaded documents attached to this complaint ). I demand HOW HOW HOW they have the right to furnish, and their methods, I will also make complaints in other venues, and keep careful records of this

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 2015-04-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently paid additional principle on my home mortgage loan. After the additional principle payment the total balance of the loan is approximately 40 % of the appraised value. My mortgage company ( Penny Mac ) refuses to remove the PMI until 2 years from now. because that is the estimated date that the loan value would be below the required 80 %

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2020-12-10
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I ask company to validate this debt they couldn't there reporting illegal activity on my credit report they sent me a contract with someone address on it that does not belong to please delete this account for reporting inaccurate and false information and I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Jet Direct Funding Corp
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
i have applied with mortgage broker, he send me the CD has Jet direct funding corp .     his origination charges are {$6100.00}. the loan officer took {$25.00} K check from me as down payment to my attorney. he chose the attorney and did not give me his info. i have never spoke to my attorney or know who he is.     loan  officer  is refusing to cancel my deal, i wanted to go to another bank and will not give my my {$25.00} K back.

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 2021-08-24
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan Depot, who has 3 of my mortgages, estimated costs for me to purchase a new home in XXXX XXXX, UT. When the home appraised for lower, the Loan officer called and said we would have to lower the Lon amount. He didnt mention and I didnt find out until the day of closing, that the lower loan amount meant I would be paying points ( XXXX ) to buy down the interest rate or that any discounts I was originally quoted would disappear. The loan officer wondered why no one had called to tell me this. He said his boss should have called. The loan cost me approximately an additional {$3000.00}. I was also told by the loan officer that someone would call me to discuss. No one ever did and I was held hostage the day of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: TX
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 unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation