BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a medical bill from my ex husband. When this bill was made, we had been divorced a year. This has nothing to do with me and I have repeatedly told  XXXX  this. It has been since  2007  and I want it removed from my credit report.

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 2017-05-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had my mortgage loan with PennyMac since  XXXX  or  XXXX   XXXX  ( after transferred from the originating loan company  ) and know about calls when accounts are past due. On several occasions I requested no calls to my w ork and not to call my cell phone unless my account is over 30 days past due. I had been receiving calls on my cell phone and on approximately  XXXX   XXXX ,  XXXX , I received a call from a representative and advised that I had requested no calls on my cell phone and there are no other numbers to call me on ( including my work number ). I received an email forwarded between two departments at my job on  XXXX   XXXX ,  XXXX , stating, " For your handling. '' The forwarded email was from a voicemail left stating this was in reference to my home loan. The attachment is only the screen shot of how the voicemail was transcribed. The voicemail is from an actual person, not a recording. The voicemail was attached in the original email.     I have repeatedly told several reps on different occasions not to call me at work and I received this forwarded message and voicemail. My application with the company has my direct extension for messages such as this. I believe this violates FDCPA with third-party disclosure since the message was in reference to my home loan and not left on my direct voicemail, that identifies me by first and last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2021, I requested the original contracts and payoff amount for the student loans that are associated with my name, exchange for payment by XX/XX/2021. I did not receive a response. Therefore, I sent another letter extending the date to XX/XX/2021. I still did not receive a response. I have tried to get assistance from the credit reporting agencies ; they all have reported the information has been verified. I don't understand how they are able to get the information that I am not able to get in exchange for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR TEXAS TRUST FORMERLY KA : XXXX XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MYSELF ( BRUCE NAYLOR, JR ) AND TRANSUNION FOR MY WIFE ( XXXX XXXX. WE HAVE REPEATEDLY CONTACTED TEXAS XXXX XXXX AT THE XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Seben Hospitality Investments LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I have recently made payment arrangements to this company who promised to get me immediate student loan debt relief and have a monthly payment fee of {$0.00}. Before any further action is taken, I have been asked to pay high fees in advance of {$200.00} a month for 5 months. Out of desperation I agreed because this was a referral from a friend of ours and I really needed help dealing with my student loans.   The company I am talking about is Helping Hand Consultants :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , California,  XXXX  ;  XXXX   XXXX   XXXX . They ma naged to get direct access and control my Federal Student AID a ccount, while sending all my information to  XXXX  in which I was completely unaware of.    XXXX  is currently being sued by the CFPB for illegally cheating borrowers, and right now they constantly send me letters asking for payments on my federal student loans. I refuse to make payments through a loan servicer accused of illegal activities.   After doing research through the department of education, I realized that all the actions this company has been doing supposedly on my behalf can be done for free. Applying for student loan forgiveness and getting my student loans consolidated should have been free using  ED 's  free resources.   Helping Hand Consultants have been giving me lots of mixed answers to my question. I requested copies of documents that show proof of the new monthly payments for my student loans, but never received them. Eventually, I have been told by a different agent there that all my paperwork are to be received from  XXXX  from now on.   Please advise as to what I must do to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: LendKey Technologies, Inc.
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am co-signer on student loans in my son 's name at LendKey. Last Friday, XXXX XXXX, I received a message from LendKey and returned the call after checking the status of the loans at the LendKey site on-line. The party answering was also on the loan screen at the same LendKey site, but his information did not match mine as my screen showed XXXX past due loans ( 43 days and 10 days ) while the LendKey representative indicated the same XXXX loans on his screen were each 11 days past due. At any rate, upon my request the LendKey rep indicated that the total amount past due on both loans was less than {$100.00} at which point I offered to immediately bring both loans current by debiting or by means of ACH from my checking account. He said that was not possible even though I was the co-borrower/co-signer unless I would agree to allow my checking account to become the new auto debit source for future payments. I would not agree to this and upon questioning the practice of LendKey calling me and then refusing to accept payment, the LendKey rep said " the Company is working on that ''. Next, I received a letter on XXXX XXXX from LendKey dated XXXX XXXX ( the day before the telephone call ) and it indicates only XXXX of the XXXX loans in past due status and only past due for XXXX cents!. This was XXXX of the XXXX loans referred to as past due on the call on the XXXX, but is again a different past due amount. LendKey has called us in the past and we have tried to work with them, but none of the information regarding past due amounts, dates of payments and resolution on the phone ever match with what is reported at the LendKey site. This is extremely frustrating and likely to ruin my excellent credit score, plus it is a nuisance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested a credit line increase on m y Chase  credit card. They said they would need to run my cred it ( har d inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  X/X/2017    and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted   XXXX   disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times Chase with no answer. In summary, Chase performed an explicitly unauthorized access to my  credit score , violating my rights, and perhaps violating the law, and they are not doing anything to fix it.   XXXX    denied without major reasons my request to fix this, in spite of the supposedly communication sent by Chase reporting the inquiry as erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I Filed Bankruptcy charter  XXXX  on  X/XX/2015    and was discharge on  XX/2015,  and Bank of America did not report to the credit Bureau any of my payment since them, my house was not included in the Bankruptcy I had call many time and they said that I have to re-affirm, the debt..   I went to the city attorney and He said California is not required do so ...   I called the Bankruptcy attorney and he want me to re-open the Bankruptcy and pay he 's fee plus  XXXX  court fees to re-open my case ...        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX   XXXX   California  XXXX   XXXX   XXXX   XXXX  Bank of America Loan #  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 2017-05-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Costco ended its relationship with  XXXX   XXXX  last year and offered Costco members the chance to have a  XXXX  card through Citibank. I have no interest in having an account with Citibank so did not pursue that option. I tossed all of their mailings in the trash with the other junk mail. Yesterday I received a call from Citibank about my account. I called them back and told them I do n't have an account, they told me I do and that it has a charge on it ( Costco membership fee ) and late charges. If  Citibank mailed me a card I tossed it and never activated it.  Citibank  should not have an account under my name and should not have allowed a charge to be made on an inactivated account.  Citibank  told me I need to get Costco to reverse the charges, but they never should have accepted the charges in the first place.

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 2021-12-21
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX  you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-05-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been trying to finish my  XXXX  months car payment, I called  DT  bank to give me the exact amount that I must pay. I have received abo ut 3 differe nt letters with different amount. I submitted a complaint to your office. I received a reply but did not answer the question I have been asking. Last week I received a letter from  XXXX   XXXX  the Senior vice president with the exact amount to pay before  XXXX / XXXX /  XXXX  . He also stated that if I do n't they will repossess my car for a {$350.00}. I called  XXXX  on  XXXX , made payment. I called early this week asking for my car title I was told that the loan numb er I gave to t hem is not on record. I was asked to provide my social, I gave the women my social. After that she ask my name and address, I did just that. After that she than asked my birth date. I told her I will not. Due to identify thift. I also told her I was told  by     XXXX   XXXX   th at once I agree to sign up for a voice recognition I will not be asked to provide all my information. That also was a lie. So the women hanged up the phone. Today  XXXX / XXXX /  XXXX  . I received a certified mail from  TD sayi ng this is a last notice I must pay {$350.00}. If not they will repossess my vihecle. I also received another letter that I own {$190.00}. I paid TD bank more money for this used car. I want my car tit le. Life goes on I want to move on  with my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are formally writing complaint, and an appeal of the denial for a modification. The main complaint we have to the modification denial is the clear dysfunction of the CHASE modification review system. We have it documented that on XXXX XXXX 2015 CHASE declined us for a modification based on the GROSS income of {$6200.00}. Again, this is documented. In late XXXX and early XXXX we discussed this grave error made by CHASE. We were told by CHASE that if our income is actually higher then we should re apply for a modification and start the whole process over. We thought this was unfair because it takes 4-6 months to get through CHASES ' dysfunctional system and this was there mistake. But we are over our hardship, can afford our mortgage and want to keep our home. My husband, XXXX XXXX is XXXX years old and moving is something that could be to much for him. On XXXX XXXX we submitted for another modification review with the CORRECT income. We had our friend XXXX XXXX help us with under writing to make sure we made no mistakes and received the correct review. On XXXX XXXX 2015 we were notified we were declined based the income had not changed? We submitted income of {$10000.00}. This is a huge error. CHASE is basically lying saying now in XXXX the income was NOT {$6200.00} when we have it documented that what was used. Our attorney has advised us that we have a law suit based on these documented errors, and elderly abuse. WE WANT AVOID THAT. We are not trying to lower our mortgage payment or our interest rate. We are not applying for HAMP. We have had medial hardships and a loss of a son over the past year. We are elders who are over our hardships and simply want a modification to get back to current. Please review us for an in house modification to get back to current so we can make mortgage payments to CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Upon checking my reports on  XXXX   XXXX  via  XXXX   XXXX  I noticed that my active up to date  XXXX  account was removed from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit card has been decreased  2 timeshe and the last 2 years and they did it when I have made significant paymento to decrease the ba lance. This last time they said they mailed me a notice  XXXX   XXXX . I decreased the debt by over 50 %. This in turned messed up my credit because I went from over  XXXX  to  XXXX  and now it says I only have {$100.00} left. Which makes it look bad on my credit. I understand that they can do this but it seems like entrapment. I pay all my bills on time and I 'm never late. I have never had a credit decrease and after further research I keep reading this common practice for this credit issuer.

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 2015-04-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX 2014 I asked for a GFE and they gave me Closing Costs Worksheet with Estimated Closing Costs of almost XXXX and an interest rate of XXXX for 180 months. After that, they sent me a letter dated XXXX XXXX 2014 with additional closing costs totaling XXXX. I then spoke to XXXX XXXX and XXXX XXXX and XXXX assured me of the XXXX if the appraisal comes in okay. XXXX also acknowledged that the property was a duplex. On XXXX XXXX 2014, the settlement statement ( HUD-1 ) showed XXXX due for closing costs that I rolled into my loan, which originally was XXXX less discounts ended up being XXXX. I ended up closing the loan due to the amount of time that had passed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: Adler Wallach & Associates, Inc.
State: SD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Never received any notices or certified letters saying I owed this debt and found out it was on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX / XXXX / 2011  the second mortgage on my home was cancelled but the loan company never filed a Deed of Reconveyance. I am trying to sell my home now, but the cancelled loan is still showing up on the title report.     I have contacted the loan company by phone multiple times, sent in a request via  XXXX   XXXX   XXXX , faxed in request letters, and even faxed a letter from an attorney - but the loan company refuses to give me something in writing that the loan was forgiven and does not exist any more.     I can not sell my home until I have something in writing from this loan company. The buyer I had has terminated the sale due to there not being clear title to this home and now I have an empty house that I can not sell.

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