BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-01
Company: JPMORGAN CHASE & CO.
State: WA
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:
School : XXXX UniversityLocation : XXXX, XXXX took out my first loan in XX/XX/XXXX to pay for college when my parents fell on hard times. The loan is with Chase for {$11000.00} and has accumulated over {$8800.00} in interested since the beginning of my loan. I have paid over {$2800.00} on the loan but it continues to increase as payments have little impact on the principal of the loan. I began contacting Chase in XX/XX/XXXX regarding issues with payment application and was told multiple times that payments are only applied to interest. By end of XX/XX/XXXX, I had paid interest down to less than {$300.00}. Since then over {$6000.00} has accumulated in less than 4 years. I have since contacted Chase on over XXXX occasions. 
The various changing statements and loan notices have been confusing and difficult to understand often missing information regarding the accumulating interest. XXXX of the major issues is the fluctuation in interest charged each month. I have been told interest incurs about {$5.00} a day and can change each month resulting in variation in monthly interest. Therefore, Chase is unable to give me a calculated amount of interest for each month. I have also been told my interest rate changes quarterly, however documents reflect no changes in my interest rate each quarter. I have requested a breakdown of monthly interest charged to my loan since the begin specifically searching for an explanation in interest growth over the last 3 years. This request has either been denied, ignored or responded with copies of statements for the last 6 months. I have requested an amortized schedule and was immediately denied. I was told this information would be available through my online account, but the online account only supplies access to most recent statements. 
Because Chase no longer provides student loans I was informed I can not refinance my loan with Chase. I am also unable to refinance this loan with my bank due to my student loan being drastically greater than my income. I have offered to settle on XXXX different occasions, however I have not received responses for my request. 
I am struggling to pay my student debt and will eventually be unable to pay this loan at the rate it is increasing. I recently received a notice that my loan will be transfer to XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Paid charge offs and requested deletion of closed accounts with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: WI
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 Account # XXXX, XXXX XXXX Account # XXXX, WI BANKRUPTCY XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
JP Morgan Chase has illegally filed a negative report on my credit that is not true or accurate. I 've been disputing a missing mortgage payment for {$3700.00} plus late fees that accrued since XXXX. Chase finally, after me sending in proof of payment to Chase from XXXX XXXX XXXX, updated my records but it took nine months and three complaints to the CPFB to get them to listen. 
Chase told me my banking records and illegal late payment fees would not affect influence my credit score when I asked them but I was recently denied a loan because of it. Chase writes in my credit report that I have a Maximum Delinquency of 30 days in XXXX for {$4500.00} and in XXXX for {$4600.00} which is not true or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights. 

15 U.S.c 1681 section 602 A. States I have a 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 explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights. 

15 U.S.c 1681 section 602 A. States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: SUNTRUST BANKS, INC.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Bank discriminately closing, denying account access and being denied opportunity to open a small business account pursuant 42 U.S. Code 1983 and 15 U.S. Code 1691 ( d ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid monthly installment this morning on line and received text to contact them this afternoon to collect same debt. Number given was XXXX. Rep I talked to admitted eh could see that payment had ben made.

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 monetary relief
Consumer complaint received 2016-03-29
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Merchant Credit Guide is reporting {$62.00} unpaid balance on my credit report. After speaking with an account representative over the phone, he told me I had to send him a proof of affidavit and police report. I asked him to validate the debt or remove it from my credit report. By reporting inaccurate information to my credit they are in violation of Fair Credit Reporting Act. The agent over the phone refused to give me any information as to how I should dispute the inaccurate information. I want them to remove this negative tradeline from my credit ASAP and close account until they provide validation that it belongs to me.

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 non-monetary relief
Consumer complaint received 2015-11-07
Company: ERC
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I closed an XXXX account in 2012 due to I have no signal in my house. I returned the cellphones and was charged a re-stocking fees, XXXX credited my account for the amount due to me, later a received an statement reflecting a debt. I returned to the XXXX store and the manager understood the matter and gave me adjustment form and noted the charges did not apply. Some time later I received another statement and returned to XXXX and explained this all over, I got another adjustment form noting I was penalized incorrectly and told me this was resolved. 
Then, At the beginning of this year I received a letter from Enhanced Recovery Company ( ERC ) LLC collecting an amount for ATT, I responded with a package of all documentation exonerating me from the debt. I never received a clearing letter from the collection company XXXX. 
On Thursday I checked my credit score and realized this account is still reported as on collection on the credit agencies. I contacted the collection company ERC and resend all information, today I received an email were ERC says they returned the case XXXX. I call XXXX customer service and financial office and no one help me. I ca n't get to the right office XXXX to clear my name, in the mean time my credit is affected and I ca n't get XXXX to engage in a conversation to clarify this since XXXX representatives told me that they can not help me since the account is close and there is zero balance. 
I need help in having XXXX clearing their mistake and clear my record, since XXXX in 2012 I have tried to correct it and provided XXXX all the information about this matter, no one has even look at it nor responded to me. 

See attachments. 


Thanks, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
All XXXX credit bureaus, XXXX, Experian, and XXXX are reporting a state tax lien for me, dated XX/XX/2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with 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 non-monetary relief
Consumer complaint received 2017-01-18
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Creditors Bureau USA, published invalidated debt to credit bureaus and refused to remove. Per DCPA Section 809 XXXX b ), Creditors Bureau USA is not allowed to pursue collection activity until this debt is validated. 
I requested debt validation within 30 days ( XXXX XXXX, XXXX ) of their initial letter only to find out that Creditor Bureau USA already published collection information with major credit bureaus. The collection agency responded with fabricated invoice containing my information. I followed up with another letter ( XXXX XXXX, XXXX ) requested legal debt validation, however, the collection agency responded with the same invoice containing protected health information ( XXXX ). On XXXX XXXX, XXXX, I made a third request to collection to respond adequately, and I have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
It is my understanding that I have a right to pay towards the principal balance anytime and have the entire payment applied towards the principal balance assuming I have no arrears. I have navy federal refusing to apply XXXX dollars towards the principal that I paid 10 days before my actual payment was due which had interest taken out of it as well. XXXX different people including XXXX supervisors have told me the only way I can pay on the principal balance is make a second payment on the due date. I believe this to be illegal. please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: MarkOne Holdings, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXX I accepted a new job with the State of Maryland. Since I had a prior state debt my wages had to be garnished. This caused me to fall behind in my car payment to MarkOne. I have numerous email back and forth keeping them in the loop as to what was going on. I even had to move and provided them with the updated information. Even after making a agreement to bring my account current in XX/XX/XXXX the exact same day I communicated with someone by email my car was repossessed days before XX/XX/XXXX. I was so angry I called and forward all of my communication with a supervisor to MarkOne. They realized their mistake and instead of making me pay the storage fee and late charges to get my car out the nice supervisor instructed me to make the payment of the missed car payments totaling over {$1100.00}. She advised me that she would place all the other charges on the end of my loan note. I did just that and was able to get my car back days later. Now I am being harassed EVER SINGLE DAY AND NIGHT for the late fee amount. Not even my car payment amount. They are calling my job several time a day threaten to turn my account over to the recovery team. My payment is {$390.00} for a XXXX Honda Accord with over XXXX miles. Because of everything I went through financially I am still trying to recover so when I send them {$300.00} in a payment they still call and harass me saying they payment wo n't post because it 's not the full payment so its still as if I have n't made a payment at all. This is ridiculous. I need my car to get back and forth to work however I do n't need this emotion stress of trying to pay my bill and still looking out my window wondering did someone get it wrong again and send someone to get my car. I have had it. I am a single mother. My income is the only income in my household. I ca n't afford to make a payment every two weeks I make a payment once a month and I should not be harassed in doing that. I received another letter on Friday stating the late fee and charges have totaled over {$1300.00} is this is the case why is it not on the end of my loan agreement as agreed when I got my car back? This was even stated on my repo recovery sheet when I went to pick my car up so why am I still being harassed to pay this amount. If I had it I would have paid it by now. I have even tried to refinance this through my bank and was told I could n't because the car was sold with over XXXX miles on it. Then I tried to trade it in. When the dealer called Markone they said the pay out on my vehicle was over {$8000.00}. This car not even work {$3000.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX 2017 Wells Fargo rep XXXX XXXX submitted a refi plan for my home. He stated that the closing costs would be $ XXXX less than what was on the quote. He said that Texas had a rule allowing a max of 3 % of the loan amount in fees but regulations would n't allow him to reduce the fees in the beginning but the closer would update and show the 3 % correctly. XXXX would n't return my calls or e mails so I contacted his supervisor, XXXX XXXX -- -and he told me that he could n't do anything about the 3 % but that he would refund my appraisal fee of {$530.00}. I told him several times that I wanted that in writing and he finally sent me an email in XXXX stating that he would return the appraisal. Nothing after that. 
I received an email from XXXX XXXX VP of Well Fargo National Retail Sales -for a survey -- I responded with all the info and e mails sent to XXXX XXXX XXXX Executive Resolution. I keep getting letters from her delaying the solution. so I decided to contact your organization.

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 monetary relief
Consumer complaint received 2015-10-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX called my mother who lived in another state and told her that the police were looking for me and something about me going to court and that I needed to call them asap! and They told her that they had been to my house a few times and failed to find me!!!! I have called them and asked them to stop calling me so now they are calling my family members

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and myself just refinanced a loan given to him from Chase bank. Back in XXXX of 2012 Chase bank told my husband he had to miss mortgage payments in order to do a loan modification to lower his interest on his home loan. They also demanded that he only use their lawyer in house. Turns out when we refinanced there was a balance setting on his home loan of {$4500.00} due for Fees associated with this cooked up bank scandal of which my husband never received any loan modification on. My husband only had his credit ruined and back then had to pay all fees to bring his loan up to date. Really I think what Chase band did to him is a crime! Chase should return all fees to him. Currently the amount of {$4500.00} was paid to chase bank through our refinance. But it should be returned to us from Chase. What they did back in 2012 was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
In XXXX 2016 I applied for a XXXX Discharge through Nelnet because I am on SSI unable to work or go to school. 
I provided them with more information than I needed to a copy of my SSI determination and a completed Doctor Evaluation form. I have tried many times to find out the determination of my case until I was again asked for a form to be requested from Social Security to verify when my case would be reviewed and it was 7 years, well past the 5 years needed by Nelnet. Each time I inquire I am told it will take 30 more days for review. It is now 6 months and still no determination. I am tired of their excuses and beginning to think they might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Back in 2010 when I was a XXXX in college, I opened an account with Bank of America. They closed my account in less then a week due to what they claimed suspected fraudulent activity. I called the bank to find out what happened and no one could give me a clear answer. They told me the account was closed and that was it. A few month ago ( 5 years later ) I tried to open a new Bank of America checking account, they refused me but the teller could n't tell me why so I had to wait to speak to a banker. When I finally sat down with a banker they told me that I owed the bank {$50.00} in fees they charged when closing the account, fees for which I should n't be paying because I had funds in the account when it was closed. They said that I needed to pay before they can reopen the account, so I asked for my old statements and they told me they ca n't provide it because the account was closed due to fraud. I asked what the suspected fraud activity was because they never told me, they just closed the account without confirming with me and reported me the XXXX. Now if they suspect fraudulent activity on my account should they tell me what it is? Or what went wrong so that I can fix it? Also it 's been years since the account was closed and I already paid them the {$50.00} they say that I supposedly owe them yet they have not reported that the matter has been settled to XXXX and are still reporting negative information about me which is n't factual. I 've never had any fraud on my account, and even if so the bank was suppose to verify with me instead of just closing my account without my knowledge. So now I am unable to open a new checking account because Bank of America has reported me to XXXX for reasons I still do n't know and they wo n't tell me, and I 've paid the {$50.00} they said I owed so they are suppose to update the information with XXXX and remove my me from there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I spoke with a representative on XXXX XXXX, 2016 about canceling a payment that had been previously set up as the funds were not available. She advised me to put the payment on a credit card and I told her I was unwilling to do that, she the proceeded to tell me what credit card options I had available to me. I never authorized for my credit to be pulled or looked at by the representative. 

While I owe over XXXX in student loans, ( over XXXX in interest and fees ) I have attempted to reach out to the company about trying to make some sort of payment, and while they have offered reduced payments to me they are still over {$650.00} a month which is unaffordable to me. The agent I spoke with informed me that since I had credit card availability and would not use it I did have the means available to me to pay and I simply refused to pay. The was berating and abusive.

Company response to consumer: Closed with explanation