BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: NC
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 asked the company, Experian, to investigate thoroughly the XXXX XXXX XXXX account on my credit report because it in inaccurate. It is for a medical debt that I am not responsible for. The hospital that it would have come from had full access to our insurance information and billed by our XXXX XXXX military insurance, XXXX. The insurance paid this debt. Now, XXXX is trying to get double paid by us as patients as well for the hospital. This is illegal and unethical. I have asked the creditor and Experian several times to remove it and have even provided evidence to were other credit bureaus found it to be a fraudulent debt claim and remove it. Experian still refused to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have told this company several times that this debt was paid 12-14yrs ago. We believe the debt was paid to a company that sold it off before they noted the payment. We never heard from either the original creditor or this company since XXXX. In XXXX they started to call. 

Convergence Outsourcing XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I feel that the lending was predatory. At the time of schooling I was XXXX and making under XXXX per year and was being told that I would have to continue with XXXX XXXX because my credits would not transfer to any other schools. They made me feel like there was no other choice and sold me on the fact that my loans would not have to be repaid until up to 6 months after I graduated. After seeing how much student debt I had stacked up and being told of the extremely low graduate rate of my XXXX XXXX I had to stop racking up debt with XXXX. I stopped attending there to avoid the pressure that their finance team puts on you to take out more loans. I am now having issues repaying the debt I racked up. I checked XXXX XXXX 's website and found that they no longer even offer the multimedia degree I was attending for. I have both Federal and Private loans they had me take out. Looking over the statements that started in 2003 there are so many charges that I have no idea how those amounts were charged as purchases, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: Navient Solutions, LLC.
State: CO
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:
Sallie Mae/ XXXX has contacted family members in my family that live other parts of the country. They then tried to use fear as a way to get me to pay for a fraudulent degree from the XXXX XXXX. The XXXX XXXX degree is worthless. This has affected my family to the point that my kids future is now taken away. I am separating from my family and loosing my kids. QUESTION : Who on earth feels this is UNCONSCIONABLE? 
Since the XXXX XXXX was just sued by the Federal government for XXXX lawsuits that affected they are hovering at XXXX cents a share. Their degree is considered nothing in the workplace. I am sure the CFPB is aware of this ... but what is the federal government really going to do about it? 
XXXX last interesting fact ... I worked for XXXX XXXX as adjunct. They just announced their closure. I am without a job. NO ONE will hire me! Now they are threatening legal issues when I am being separated from my family, losing my job and having no hopes of work or home. Great job Sallie Mae! Offer me XXXX of your really great deals where I get crooked again ... How about that IBR that you never mentioned was available to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm XXXX yrs old please stop calling me.

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 2020-10-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase AARP rewards point program. 

Had this credit card for over 10 years, building up XXXX points. Stop using card in XXXX but kept card open waiting to use for travel because points are worth 10 % more. During covid 19 ( XXXX ), Chase claims to have sent a letter that they are closing the account in 30 days due to inactivity. Never saw it. 

Went today to use the points and they are gone. Card closed. Chase management says nothing they can do since account was closed in XX/XX/XXXX. They took {$1100.00} ( cash value ) from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I received a letter From Bank of AMerica XX/XX/XXXX that my heloc on my condo rental property was going to reset on XX/XX/XXXX. I called immediately to discuss my options. I am currently paying interest only and now they want to convert to a regular mortgage at {$700.00} more a month then I am currently paying. I am unable to pay this so I asked for a modification. I was told it was too soon to start the process. I kept calling and XX/XX/XXXX I was told that I could not do anything more than XXXX days in advance. I waited the XXXX days and called back to start the process. I am upside down between the value of the property and the XXXX mortgage and the equity loan. I was told I would have to apply for a regular mortgage and get a denial letter. I went to XXXX mortgage brokers and was told there are no programs for me and they would not issue a denial letter. I had Bank of America mortgage dept talk to the Bank of America modification department and they told my cust serv rep XXXX XXXX that it was nonsense and they would send them the denial letter. When I called back they told me they had no record of speaking to their own mortgage department.. I repeatedly had issue with this customer service rep. I asked for a supervisor and was told I could n't speak to one. I asked for a different rep and was told I could n't have one. I kept calling back to check on the status and I was told each phone call that some item was missing. I asked them to tell me everything they need and I would send it to them. I finally had to write a letter explaining that all my troubles and that I wanted this XXXX XXXX removed from my account. I received a call from someone else and they told me they wanted more information. I finally got to the bottom of this and they said they had all the info they needed and my information was in underwriting. That was XX/XX/XXXX. It took from XX/XX/XXXX to XX/XX/XXXX to get this far. I have called back twice to check on the status and was told they are still reviewing it. It is supposed to reset on XX/XX/XXXX. I am out of time. I do not want to have to default on this loan to get someone to help me. I was hit 3 months ago with a {$8500.00} assessment that also has to be paid. I do n't know what else to do. At this point if I can not get any modification or answers I will have no choice but to default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: NY
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, responsible for servicing my Stafford student loan surprised bill me for a past due amount on my account for payment I submitted in the last month. I called the representative and they said this was for a missed payment several months back that their system now caught. This is very inappropriate as I always pay the amount shown due on their Web Portal. I was never given notice that I ever missed a payment. I feel completely at mercy to Navient with no recourse for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did refinance with bank of America, my loan is no escrow account according to the HUD. Now bank of America is collecting an escrow money from my account after i paid my taxes and insurance on my own. I m paying twice. I called several times and the issue not resolved yet, claiming they have a lot of guidelines and they cant just come and change it to no escrow. i ve been never late in payment of my mortgage or taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
An ATM teller assist machine was unable to complete my transaction and was unable to return the {$2000.00} cash payment to a credit card I was making. I have gotten incorrect information from employee after employee from the phone number provided on the ticket that was printed from the machine. Customer service does n't know what they are doing and ca n't help me, they transfer me over and over and over. It seems the actual people in the branch are more helpful. It has only been two days but I have lost some much time over this issue trying to get a status update, which didnt happened today was over 1.5 hours. 1.5 hours in the branch trying to start a claim. No one seems to know who I can talk to about the status.

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 2016-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I recently heard about identy thefts while preparing for a refi home loan and decided to sign up for credit monitoring with Transunion. I attempted to pay the XXXX monthly fee but it told me we can not offer you this at this moment to call them. I called them several times today XXXX/XXXX/XXXX and they told me it was company policy to ban me for life from the credit monitoring. they then told me nothing could be done about this. I told them I have n't looked at my credit since XX/XX/XXXX and they said they were sorry but the system could n't be fixed to allow me access to the monitoring service offered by Transunion. I told them that I went to the free ones and information was out dated and I wanted to go the the most reliable place to go. I do not understand why I am being black listed and for what reason they would ban me. I did some research online and found that others were banned from checking their credit to often. well I have to admit I was on true credit back then and I checked often because it was unlimited and I was preparing to buy the home I am currently in which I purchased on XXXX XXXX, XXXX can you please help me get them to remove the lifetime ban on my credit monitoring service offered by Transunion XXXX my name is XXXX XXXX XXXX. phone number is XXXX my address is XXXX XXXX XXXX XXXX , XXXX Tx XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called Municipal Services Bureau has repeatedly, abusively and excessively called my home telephone number and stated that it is important and urgent to call them back to discuss a debt ( they did not specify ) I owed that I know nothing about. I called the number back and the lady on the other end ( did not state her name ) said somebody will call back and discuss and was very vague. I told her to please not call my phone number again because she was harrassing me. They have been calling at least 15 times a day and leaving unwanted messages on my voicemail.phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: EQUIFAX, INC.
State: KY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Medical XXXX Date Opened : XX/XX/XXXX Balance : {$26.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
about 2 months ago i requested my credit report and i haven't received anything.

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 2016-02-10
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I filed bankruptcy in 2010 and lawyer had to include mortgage.I never skipped a payment even though I did not reaffirm, which lawyers apparently do not tell you reaffirm.But my mortgage and second mortgage have stayed on my report.I have since paid off my second mortgage and continuing to pay original mortgage. If the not reaffirming mortgagges is reason, should n't at least the second one be removed, paid as agreed. The remarks do n't reflect what has happened.Account status should open on mortgage and paid as agreed on second mortgage

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card
Issue: Other

Complaint:
Navy Federal Credit Union is reporting a credit card collection account on my XXXX credit report that does not belong to me. For a brief time, I had been added to this credit card as an authorized user back in 2010, but the authorized user status was taken off over 6 years ago. I have disputed this account at XXXX several times, but Navy FCU refuses to take it off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Your submission, [ Case number : XXXX ] I am very disappointed with Wells Fargo 's response, lack of interest, in my complaint that I was a victim of Bait and Switch tactics by Wells Fargo when I went to them 7 years ago when I need a second loan on my house to pay off existing debt and replace my roof! What is my next step in filing a complaint against them? XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card
Issue: Other

Complaint:
Navy Federal continues to report the wrong payment history to XXXX and XXXX. I want a payment history on all accounts. They are reporting I last made a payment to all accounts in XXXX 2010. My records show last payment was XXXX 2010. 

Account numbers ( last XXXX account numbers missing ) : XXXX XXXX XXXX Please send payment history to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name : XXXX XXXX XXXX, Loan # new # XXXX # XXXX, Wells Fargo home Mortage, I mailed my payment XXXX XXXX, received in XXXX Tx XXXX at XXXX am. deliverered to their XXXX XXXX at XXXX XX/XX/XXXX.I checked my checking acc with XXXX Bank the money still in my account.I phoned this morning and talk to a representative of Wells Fargo named XXXX our conversation finished at XXXX, I asked her to checked and payment has not been credit to the account yet. I have a Modification mortgage my payment can not be late which is on the XXXX of the month.I mailed to the new address as requested : Wells Fargo Home Mortgage, XXXX XXXX, XXXX, Texas XXXX tracking showed it has been delivered on XXXX XX/XX/XXXX.They have done this before to me last year and I had to filed a complain in order for them to fix their mistake and admitted to me. last year the check did not go through the system property and they called me on the XXXX of the month to let me know that they needed it XXXX payment they claimed to silly excuses after two month they admitted that was their mistake that their system did not clear the payment however they never send me back my check, no late fee was charge or any other notice of late payment. This time they change loan numbers and change mailing address for the ones who pay with check trying to force people to get automatic bank payment which is not to my satisfaction or to pay on line, which will expose me to hackers, and me as other XXXX people do not, like that system. Where is my check and why they have not applied the payment of this month that was mailed on XXXX certified XXXX XXXX XXXX XXXX XXXX, and received and delivered to them XXXX XXXX XXXX Wells Fargo Mortgage Company gave a big problem with my Modification twice denied and finally approved on the temporary XX/XX/XXXX, XX/XX/XXXX was finally permanent approved, paying always on time, they want clients to show default in payment to cancelled the Modification. Please help me, Where is my check mailed Certified AND DELIVERED ON XXXX, CHECK # XXXX for {$330.00}? they are holding my check, this is illegal.Someone needs to do something about this Mortgage Company.Thank you. XXXX XXXX XXXX, phone XXXXI need a resolution to this matter as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Reel Time Capital LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection item reported on credit report. Attempted to dispute via credit reports AND also contacted the collection agency as this debt is not mine. The collection agency has not answered the phone every time that I have called to dispute item. According to what is reported, the name of the collection agency is listed as XXXX XXXX XXXX, REEL TIME CAPITAL, and XXXX XXXX XXXX. They are stating I owe XXXX dollars from a loan taken out in XX/XX/2020. I have not taken out a loan with these companies in XXXX or any part of 2020. The address of this company is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and the phone number I have attempted to call is XXXX.

Company response to consumer: Closed with explanation