BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-29
Company: Diversified Consultants, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Signed up with tmobile, had a phone and a tablet with data. My tablet kept breaking under manufacturers warranty. I called the manufacturer to send it in for a warranty repair ( which would have been free ( - {$7.00} shipping ). Unfortunately since my tablet had LTE, they told me I have to go through where I activated it to have it replaced. I went to XXXX and they created a service order to get me another sent out. They charged me {$20.00} for shipping and tried to tell me if I had a protection plan it would have been free. I 'm not happy about the {$20.00} shipping vs the {$7.00}. Anyway, I get my tablet and it has the same issue as the first. I go into XXXX, and I 'm hit with another {$20.00} shipping charge ( mind you it 's still under mfg warranty ). I reluctantly paid them again and waited for my new tablet. When it came in the mail, it was cracked in top right corner and bottom right corner. I go to XXXX store and yet again they tell me {$20.00}. I did n't warranty it again that time because thatwould have been {$60.00} to get a warrantied tablet working. Anyway, I decided I was done with XXXX. I called them up to cancel my services and to lay my final bill. The first person that picked up the phone was very unhelpfull, I told him I wanted to cancel my lines, yet he was very persistant to try to keep me as a customer. I refused, and that should have been the end of it. A few months later I realized that he did n't cancel my account and I have been getting billed for tablet data. I call back and the second person that helped me was very helpful, she closed my account fully and she looked over my account, and she told me my final balance. I paid for it over the phone and she told me that everything is payed for and to ignore the next bill in the mail, as todays payment would not show up. Bill shows up and gets ignored like she told me. The bill kept showing up for the same acct. They called me about it. I told them to check their records, everything was payed for. They sent me to collections, so I filed a XXXX complaint. An agent from XXXX called me to inquire on the complaint made by me, I expected him to have my information and history ready. He calls, he tells me I owe {$110.00} for my tablet, I asked him to go through my notes and records on the account, but he told me he did n't have any of that ready, and insisted I pay them. He did no research into my account, and talked down to me. He was n't willing to go through my acct history, and told me to just pay them. Now I get annoying collection calls all day from a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Late fee

Complaint:
On XXXX XXXX I had a payment due on my Chase credit card. I went online at approximately XXXX CST to make this payment and completed the payment around XXXX that evening. After my statement was cut I noticed that I had received a late fee on my account and the payment that I processed at XXXX on XXXX did not go through until XXXX. I was unware of the cut-off policy that Chase has that payments processed after XXXX EST are processed and dated for the next business day. I then later found out that if you call customer service and process a payment over the phone they can date the payment for the same date until midnight the same day. Because of the lack of information given and available to me the customer service rep that I spoke with on XXXX stated that he would be reversing the late fee assessed to my account since I was late by & lt ; an hour and if I had know about the payment policy I could have easily avoided this situation. 

I have since messaged Chase numerous times following up on this fee reversal and they claim that they do not have a record of my call on XXXX and will not reverse the fee. I am very disappointed given the circumstances and the commitment by the customer service rep that the fee for this " late '' payment is still outstanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I contacted Navient regarding XXXX private loans on XXXX XXXX, 2015, I called in to the Navient customer service line and was advised by representative XXXX that I was eligible for revaluation of my monthly loan payment amount, due to recent change in income due to health related events. She advised me to call back in on XXXX XXXX, 2015, after my payment due date of XXXX XXXX, 2015 and request a revaluation of finances in order to decrease my monthly payment amount. She also offered to give me a call on the XXXX XXXX, 2015 at XXXX in order to assist me with the revaluation of finances. 

When I did not receive a call from this representative on XXXX XXXX, 2015 at XXXX, I called in and spoke with representatives XXXX and XXXX. They XXXX explained that I was misinformed by representative XXXX and that I was not eligible for loan payment recalculation and any that any possible payment that I make, below the past due amount for the month of XXXX, would not bring my account back to current status. 

I have since contacted the Navient advocate department via phone on XXXX XXXX, and requested that my call with representative XXXX be reviewed and revaluation of finances be granted do to the misinformation I was provided. Presently my XXXX private loans reflect past due because of this. 

XXXX contacted me late in the afternoon ( XXXX -- she leaves for the day at XXXX, this left me little to no time to return her call ) on XXXX XXXX during my scheduled work hours, I was unable to take her call. She left a message providing me with her extension XXXX, however I have attempted to contact her several times and she remains unavailable, with no option to leave a voice mail message. 

I have sent XXXX several direct e-mails, requesting that she contact me via e-mail as to avoid further miscalled and miscommunication. I have received no response from her, and my account continues to reflect past due amount, putting me in danger of being removed from the payment program, and ultimately affecting my credit score. 

I would greatly appreciate your assistance with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2022-03-27
Company: EQUIFAX, INC.
State: VA
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:
Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681. Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws. 

My information was compromised in the 2017 Equifax Data Breach and I have made that very clear to Equifax. I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that XXXX  XXXX. I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. 

They willingly continue to break the law and they do not even add in files that I have sent to have on my record. These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we requested to be set up on bi-weekly payments and auto draft our mortgage payment. After multiple calls between XXXX and XX/XX/XXXX for the mortgage company to have me fill out the right forms as they kept sending me the wrong forms, we finally received confirmation that our account was set up for bi-weekly payments ( attached ). In XXXX, when a bi-weekly payment was not drafted out of my account we called the bank again and they said that we needed to make a payment before the first of the month so it was paid in full and that it would start drafting in XXXX. We followed these instructions, it did not draft again in XXXX. In XXXX, we called and were told in order to have this draft bi-weekly payments we needed to pay 2 months of payments and if we did this, it would start drafting bi-weekly starting in XX/XX/XXXX. We made a 2 month payment on XX/XX/XXXX. XX/XX/XXXX and still no bi-weekly draft. After three calls to the mortgage company between XX/XX/XXXX-XX/XX/XXXX we have still not been able to get an answer as to why this is not completed, we have bee told it is a drafting issue with the bank, also been told we need to make another 2 month payment again. We have requested to speak with a supervisor on 2 occasions and have been told they are unable to transfer us and will leave a message. We have still yet to receive a call back from a supervisor to have our issue resolved. 

This has not only been a poor customer service experience but we are now approaching 9 months of paying additional interest on our mortgage that would have otherwise not been incurred had we been on bi-weekly drafts. As you can see from the letter they mailed us, we were clearly told that we would be signed up for the program and that payment would be automatically drafted, neither one of which has taken place. We can only assume that this over complex process and conscious decision not to draft the payments as promised is a strategy to collect additional interest from us. 

Our request is to resolve the auto/bi-weekly draft issue and receive a credit for overpayment on interest effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: MS
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:
I have repeatedly asked all parties to permanently remove all incorrect information on my credit reports from all three bureaus. Yet, they have complied. I would also like to be compensated for all of my information that was sold to other companies for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Accounts, has violated my rights. 


XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX {$540.00} XXXX XXXX XXXX {$7900.00} XXXX XXXXXXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$280.00} 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Equifax to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I call equifax to explain XXXX XXXX XXXX fraudulent account. Amount {$140.00}. I ask them proof of this debt ... I file with FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My issue began with Goldman Sachs Bank USA in XXXX of 2022. I disputed a charge in the amount of XXXX for XXXX XXXXXXXX XXXX  XXXX I put my dispute in writing. I paid all of my bill that month, minus the disputed amount of {$8.00}. In XXXX of 2022, I was charged again for XXXX XXXX  {$9.00} this time. I paid my bill in full, minus the disputed charge of $ XXXX In XXXX of 2022, I was charged {$9.00} for XXXX XXXX  AND XXXX XXXX credit for {$9.00} ( a disputed charge ), {$9.00} ( a disputed charge ) and a credit for {$8.00} ( a disputed charge ). So, XXXX agreed with me that these charges were not authorized. I thought the issue was resolved. No. In XXXX. I was again charged XXXX for XXXX  I paid my bill in full except for the $ XXXX disputed the charge. In XXXX, I was charged {$9.00} and credited {$9.00} for this same disputed charge. 

My issue is that all along this credit card company has been charging me interest on the disputed charges. Total interest charges are now at {$33.00}. This is outrageous. I have always disputed the charges ( evident by receiving the credit ) and have written to this company asking for credit on my erroneous interest charges. They refuse to issue credit for the interest charges. I want this company to credit me {$33.00} in interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had several private student loans with Navient ( formerly XXXX XXXX ) since 2009. On multiple occasions, I wanted to either increase my monthly payment beyond that of the standard repayment plan or make an extra payment towards the principal. I found when contacting them to try and have these items completed as there was no option to perform these activities online, not only were the wait times on the phone on the order of 45min to 2 hours, the service associates were not very informative or helpful. With regards to requesting an increase in my monthly payments, once the service associate finally understood what I was trying to do, the actual value that they debited from my account was less than the value requested. For example, my standard payment was around $ XXXX/month on their standard repayment plan which was automatically debited from my checking account and I requested to have the payment increased to a minimum of $ XXXX/month. I performed this request on numerous occasions over the years as my payment history demonstrates, and each time I made this request, the servicer proceeded to change my payments to a value between {$290.00} and {$290.00} per month, which automatically decreased through the year, never actually increasing the payment to or above my requested value. When I finally noticed that this was what had happened, I requested the payments increased to values above {$310.00} and $ XXXX/month to ensure my original request was met as they were unable to fulfill what I had originally conveyed to them. Additionally, when I have requested to schedule additional larger payments towards my principal without it going toward interest payments, I was generally not given clear information or a reasonable method on how to do so. I was told to mail in the additional payment such that it is processed on exactly the loan payment due date ( of which it is not possible to guarantee mailing time nor servicer processing times ) or call on the phone the exact day the standard loan payment is due, and for a fee, make an additional payment at that time. They offered no alternative options to make an additional payment against only the principal without incurring fees or a portion of the payment going to interest. Both of these experiences, with the servicer not following through with my requests for increasing the monthly debited payment to a minimum specified value, and not offering practical options for making additional principal payments, has resulted in negative financial consequences for me as the customer and financially benefited XXXX/Navient as the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Bank of America called me and told me that I qualified for a quick and easy " HARP '' refinance. My mortgage is $ 100k. My home appraised at 900k. 
I submitted all documentation to the loan agent who never processed the paper work. Three months later, I have yet to speak to BofA and have processed a new loan elsewhere. Seriously disappointed in the level of service after being a loyal top 1-percenter for over 30 years. The Bank of America team, has been dishonest and fraudulent. I dealt with XXXX, XXXX at XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX ; XXXXXXXXXXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage compnay is handling escrow account inappropriately i requested the escrow analysis, but they do not provide the information properly. Also, i wrote a letter to request to close PMI, but they would n't close PMI in escrow. I called numerous times about this matter, but they would n't close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Apparently I had a XXXX XXXX XXXX credit card from a decade ago that had an unpaid balance and was charged off. When I applied for a XXXX home equity loan, I was rejected because of this charge off at XXXX XXXX XXXX, of which I was completely unaware. I paid the charge off amount of {$280.00} immediately on XX/XX/XXXX 2017 and have been trying to get the item to reflect a zero balance of my credit report. XXXX said I had to get it removed from my credit report - they could n't call across the bank to confirm ( XXXX credit card, paid from a XXXX checking account ). I faxed to Transunion proof this was paid off on XX/XX/XXXX - they could n't read the fax. I refaxed the information on XX/XX/XXXX Transunion claims they ca n't clear the account without approval for XXXX - XXXX credit card department said they updated my report on XX/XX/XXXX If I do n't have this resolved by XX/XX/XXXX, I look a special introductory interest rate because Transunion wo n't be proactive, and XXXX wo n't look between departments to see the issue is resolved. How is it the organization controlling one of the only XXXX bureaus in this country only allows disputed documents via FAX or MAIL. Is this acceptable way to do business when documents should be scanned and emailed to avoid these type of unnecessary delays. Please help.

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 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have a debit card with capital one. I made a purchase for abound {$960.00} which I received an invoice for. The merchant charge my debit card for around {$1800.00}. I made good faith efforts to resolve the issue with the merchant. After all my attempts to resolve this issue with the merchant fails I called capital one to file a dispute. Around a month after filing the dispute I received an email asking for supporting documents. I provided all my supporting documents. 5 days later my claim was denied for not sending in my supporting documents. I called capital one. They received my email but never reached out and never reviewed my documents. The claim was reopened only to be denied later because capital one claims the charge was valid. Capital one never reviewed my supporting documents. I request all documents that were used during the investigation. I only received a customer dispute intake form and no documents from the merchant or myself. I call capital one only to get to a call center who has no explanation and can do absolutely nothing. This is so frustrating. I have zero fraud responsibility. Capital one has violated my rights.

Company response to consumer: Closed with explanation