BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: GMA Investments, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A representative named XXXX, who stated he is a legal manager at Summit Receivables stated that Summit Receivables has taken over my credit card debt which is {$450.00}. The company has repeatedly contacted me calling me more than once a day for the past couple of months. I have explained that I was unable to make payments at the time because of health related issues. During the past month XXXX has called me several times threatening to take legal action against me if I do not pay a certain amount by a specific date. I recently made a payment on XXXX/XXXX/16 for {$50.00} which was posted XXXX/XXXX/16. However, I decided to check my credit report on XXXX/XXXX/16 to see if the company was on my credit report. To my surprise I did not see the company listed on my credit report. I also noticed that the original debt from the credit card company was closed. Once I realized I did not see them listed on my credit report and I have not received any documentation by mail indicating that I owe them or that they will take legal action against me I contacted XXXX to ask him about my concerns. XXXX became very defensive and began to talk over me and became very rude. I informed him that I will not make any further payments until I receive something in mail indicating that I owe them, after I stated that, XXXX stated he can send me something by email and that he was not obligated to send me anything by mail unless I send it a written request. I told him that I will request in writing to have documents mailed to me. I asked him for the address of his organization and he hung up on me. I looked through my inbox and spam on my email and I did not have any emails from him or the company he claimed was sent to me. I contacted the Consumer Financial Protection Bureau, XXXX and State Attorney General for Nevada and was informed that what he was doing was illegal and I plan on taking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: NV
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 have  XXXX  items on my credit profile that is inaccurate and I have disputed this 7 times and each time the credit bureau says that they have validated and verified that the items are accurate but I know that they are not because  XXXX  of the items is the same creditor with different amounts due and they just updated my credit profile on  XXXX / XXXX / XXXX  adding an additional {$7800.00} owed when this account is over  7 years old. T he last dispute was done  XXXX   XXXX .  (  Experian &  XXXX  ) are the credit bureaus that is still reporting this item *Twice* The other item that  I had disputed was in litigation and should have been resolved due to an consumer complaint I had filed against the company and to no avail has this been verified or validated, just another case of the credit bureau saying that it is valid without further investigation. The amount is inaccurate because this item should have been removed due to the litigation. I have been disputing this item since  XXXX  and the last dispute was done  XXXX   XXXX   ( Experian &  XXXX  )  are the credit bureaus that is still reporting this item.      The final item is another case through   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   and a vehicle that was sold to me was sold as a vehicle that had passed emissions and to later find out that the vehicle could have caused a fire and put my life in jeopardy, which I filed another consumer complaint with the   XXXX   XXXX   XXXX   XXXX   XXXX    and their emissions department. I had an i ndependent Arizon a State  official emissions officer inspect the vehicle and had not seen any prior emissions records that was done prior to selling me the vehicle which I have submitted documents to Experian who is reporting this item to verify and to no avail I was unsuccessful in the validation/verification of any findings. I h ave been disputing this item since  XXXX  and each time I try to resend the information for verification their response is that the item is valid. The last dispute was done  XXXX   XXXX . The down payment was refunded  XXXX   XXXX  in the amount of {$1000.00} after disputing the problems with the government agencies.

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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
We opened joint checking account  XX/XX/XXXX  at  XXXX   XXXX   XXXX  (  XXXX   )   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX . We had no issues until after we closed the accoun t  XX/XX/XXXX   when we moved to  XXXX . In   XX/XX/XXXX  our credit score  dropped alarmingly. Upon investigation, we found it was due to   XXXX   reporting that they closed our accoun t  XX/XX/XXXX  d ue to a charge off of {$870.00}. We contacted them & were told that, without our knowledge or authorization, they had re-opened our account & paid a {$870.00}. transaction. And since we never made a deposit to cover that transaction, they had just closed our account & wrote off the {$870.00}. I reminded them that we closed our accoun t  XX/XX/XXXX  & had no knowledge of the transaction & had not authorized them to re-open our account or p ay any charges. The  XXXX  employee told us the only way they would correct the credit report was for us to send them {$870.00}, despite the fact that we were not liable for it. We could not afford to do this. I filed a dispute with Transunion, a month later I received their report stating that  XXXX  had assured them that the facts as they stated them were accurate so TransUnion did not delete the account. Their investigators did nothing other than talk to a  XXXX  employee. Documentation showed we closed the account  in  XX/XX/XXXX  & t hat we had not initiated the {$870.00} transaction, if they had asked for it. Meanwhile, ou r credit score contin ues to remain low.

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 2022-10-15
Company: DriveTime
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Drivetime is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on date of 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 2016-06-29
Company: United Debt Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been receiving calls from a company called : Certified Mediation who says they are represented by XXXX -- -phone # XXXX. They tried to collect on a supposed bad check with XXXX. They stated I had to pay them via XXXX by the end of the day or I would be charged with XXXX Class XXXX Felonies and arrested the next day by XXXX. They caused me great distress. They made mention of a Pre-Trial Diversion etc. I believe this is a scam and want to report them. Also they went as far as to say they had pictures of me in XXXX. This was an alaborate scheme with multiple so-called departments and people involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX , {$35.00} The company gave me a credit limit of {$400.00} I have been using this account from day  one. B ut this is what I have been running into lately. This company says that they have sister companies.   XXXX   XXXX   did the same thing with me. After being approved for credit, then I am told they can not allow me to order anymore because of a bill I had with a sister company in  XXXX . I paid that bill off with  XXXX . Now   XXXX   XXXX   is doing the same thing and I owe them no old account. They are because I owe an old bill with a sister company, even though I pay them before my account is due. They will not release an order for {$35.00} to me. I do not understand their method of business can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In   XXXX   XXXX   XXXX   I tried to refinance my home to get a lower interest rate. Every thing was approved until  XXXX  checked and saw that my home was not in my name.     In  XXXX  I fell behind on my payments and had to take out a  XXXX   XXXX   XXXX  with  XXXX  Mortgage. On the same day that loan was approved Everhome, who had my Mortgage at that time, foreclosed on my home and the mortgage was put in the name of  XXXX   XXXX   XXXX   XXXX . I have all the documents to show that since I took out the Home Save Loan I have not been behind on the Nationstar Loan or the main Mortgage.     I also have the documents that were given to my attorney  XXXX   XXXX  at  XXXX   XXXX   XXXX . They have been trying to correct this problem since  XXXX  of  XXXX  with no results. I have the letter that  XXXX   XXXX  sent out to all the mortgage companies that have held my Mortgage since  XXXX  I need help getting this matter settled. I can not refinance or sell this home if I had to.

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 2015-06-12
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted a short sale offer at {$200000.00} to GreenTree on XXXX/XXXX/2015. The file was assigned to a XXXX XXXX. On XXXX/XXXX/2015 GreenTree countered our offer at {$250000.00}. We received a copy of the BPO and the value was {$230000.00}. Our buyer increased their offer to the appraised value of {$230000.00} on XXXX/XXXX/2015. The file was transferred internally at Greentree to a new negotiator by the name of XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX sent another counter offer of {$250000.00} on XXXX/XXXX/2015. We have received an updated copy of the BPO that shows the updated value is now {$230000.00}. GreenTree is clearly committing fraud. based off the appraised value each time our offer met or exceeded value, yet each time GreenTree counters above appraised value.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: SUNTRUST BANKS, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They mailed us a letter saying we were delinquent and gave us options to avoid Foreclosure, but we have made every payment, and they concurred we were up to date on our payments, and we asked for a letter stating that we should never have received a delinquent letter due to their mistake. The first person basically told my wife when she first called that we would n't have got that letter if we made our payments and then they told my wife that they do not normally send letters but would see what they could do. I have been trying to speak to an upper level  manager  and so far I have been unsuccessful. I just want to speak with somebody above a front line supervisor who can make decisions and so far they have n't allowed me to. This was a very aggressive letter, especially when you get it on Saturday evening and you have no immediate recourse.

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 2017-05-09
Company: EQUIFAX, INC.
State: OH
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:
On all  XXXX  credit reports, ( and this is the second time this has happened to me ), I am car shopping and they are only supposed to run it through a maximu  m of   XXXX   companies and it continues to be ran through multiple agencies until I have a tremendous amount of inquires for several different financial institutions.   XXXX   XXXX   this time and there was a great deal through  XXXX  last time that were never removed. Do n't they have to have permission to send it through that many people?? I did not authorize it and it is ruining the credit I was trying to build. Please let me know.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX    XXXX   XXXX    XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   C  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   there should be a max of  XXXX  on there. I allowed  XXXX  from   XXXX  ,  XXXX  from   XXXX   XXXX   and then I ended up buying a car from   XXXX   XXXX  . How do I fix this???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Navient Solutions, LLC.
State: NV
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:
I had to re apply for a deferment I sent emails with the required documents, but  Navient  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is    XXXX   XXXX  -   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Platinum Holdings Group, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This company called premium assets keeps calling me and demanding that I pay them for a payday loan in 2012 I have not received any mail from them or emails but they call at least 2 times a day if not more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: JPMORGAN CHASE & CO.
State: HI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
This complaint is for Chase Bank with business address at XXXX, Texas XXXX USAI needed to send money to my boyfriend who is currently in XXXX. He has to pay some fees to the XXXX government. But my boyfriend has no bank account in XXXX to receive my wire transfer. He ca n't open XXXX because of lack of requirements being a foreigner there. So he asked help from a friend. This friend gave him the details of his friend in XXXX, Texas who will receive the wire transfer money from me. Once the beneficiary receives the money from me, he will call my boyfriend 's friend to confirm that he received the money, only then will my boyfriend 's friend will deliver the money in XXXX to my boyfriend. That was the arrangement when I asked my boyfriend on how could he get the money. 

So on XXXX XXXX, I sent a wire transfer in the amount of {$12000.00} to XXXX XXXX to his Chase Bank account in XXXX. But after an hour or XXXX, I received an email from my boyfriend 's friend for me to cancel the wire transfer. So I called my bank to cancel the transaction but the bank said the wire transfer was already debited from my account and was already sent to Chase Bank. So my bank called Chase Bank and requested a call back funds. 

Chase Bank confirmed that the {$12000.00} that I sent was credited to XXXX XXXX Chase Bank account. But because Chase Bank can not get hold of XXXX XXXX, Chase Bank closed his account so that he could not withdraw the money. XXXX Chase Bank employees called me and verified if I was the sender by asking questions regarding the wire transfer and I answered them all. 

Since then, I made follow-ups for my call back funds but my bank said they have not received a response from Chase Bank. I was too worried because my boyfriend needed the money. 

On XX/XX/XXXX, I sent a letter to Chase Bank to send me back my {$12000.00}. But Chase did not reply. And again on XXXX XXXX, I sent a follow-up letter to request the return of my money, but still no reply. 

Chase Bank-XXXX has no right to withhold my {$12000.00} for the reason that they were still investigating since XX/XX/XXXX, if the money is allegedly for funding terrorist activities. They should have finished the investigation after XXXX months. Chase Bank should return my money by sending me a check in the amount of {$12000.00} and send it to my mailing address not through a wire transfer because my bank has closed my account. 

It 's my money. Chase Bank has no right to withhold it for a long time. 

XXXX XXXXComplainant

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Nelnet, Inc.
State: NC
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:
My student loan was transferred to Nelnet around XX/XX/2015 ( about {$64000.00} ). I had been happily paying {$550.00} per month ( {$190.00} to principal, {$360.00} to interest ). In XX/XX/2015, Nelnet reduced my automatic payment to {$340.00} ( without asking me ). I assumed they knew what they were doing. Wrong. They used all that payment to pay interest without applying anything to principal! I am now two years behind in lowered principal plus, my loan amount is now up to {$64000.00}! I contacted them last month and they agreed to raise my loan payment. It is now {$570.00}. But, they are only applying {$35.00} to principal and {$540.00} to interest! My rate is supposed to be 6.625 %. Where is all this interest going? At this rate, it will take me 153 years to pay off this loan! ( 153 x 12 = 1836 months which equals {>= $1,000,000} of payments ). Of course, I will be long dead by then. Is n't this malpractice? In my business, I would lose my license for doing something like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The primary reason for my complaint is that Chase Mortgage, who is the servicer for my loan ( # XXXX ), is in violation of dual tracking. Chase has notified me of a foreclosure date of XXXX XXXX, 2015, while I am in active consideration for a modification. I have submitted my full application for a modification on XXXX XXXX, 2015. They requested additional information, which I sent to them on XXXX XXXX, 2015. I received a letter on XXXX XXXX, 2015 notifying me of a foreclosure sale date of XXXX XXXX. I called and spoke to a customer assistance specialist at Chase on the XXXX of XXXX. They explained that the information I submitted needed to be resubmitted with some corrections, which I immediately corrected and faxed back to them on XXXX XXXX. I also questioned why a foreclosure sale had been scheduled when I am in active consideration for a modification. The specialist told me that once they had everything, the application would be submitted to underwriting and that at that time the sale could be postponed. I have submitted several modification applications with this lender. They have repeatedly made errors in processing the modification and in calculating my income. The lender is a private lender ( XXXX XXXX XXXX Bank of XXXX XXXX, CA ) and does not participate in HAMP. They do however ; supposedly have their own modification program. My goal is to avoid foreclosure and to secure a modification. If that is not possible, then I would like to have time to pursue a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XXXX XXXX and later my mortgage was purchased by chase bank. and i paid all my installments until XXXX and when the economy changed i had no money. so i kept trying to modify my loan. after a long battle. finally it was re-modified in XXXX for XXXX per month and i started making payments everymonth on time until XXXX XXXXand because i am a XXXX so after 6 months starting XXXX i started paying them by monthly straight my pay check as mortgage and i was never told that if i make part payments it will not be considered as mortgage payment instead it will be considered lower principle payment. until XXXX i got call from chase stating i am behind 2 months in my payments, where as according to my books i was ahead 4 months. i had paid mortgage payments until XXXX XXXX. 
since then no one can update this account and i am paying on time since than as well. but they still shows i am behind one month payment and keep charging me {$49.00} late fees for the last 3 years and when i call no one seems to understand me .. 
i told them simple solution. start from XXXX XXXX until XXXX it is 36 months and multiply it by XXXX = {$48000.00}. they should have received this amount if not few dollars more but instead they keep talking they did not receive this month payment or that month payment. 
and in last 3 years i must have spent atleast 10 hours with chase employees and i asked them same simple question. check my total payments but no one seems to take interest in it.. 
NOW I AM TIRED OF IT. and you are the last choice i have. .please help me.. 
i am bankrupt. i filed bankruptcy in XXXX and trying to keep my self very clean and i have all bills paid on time for the last 25 years ... since i am in this country.. 
i am at job and can not answer the phone so please hereby i authrize you to talk to my husband XXXX AT HIS CELL XXXX or his email XXXX Thanks a XXXX. i hope this is resolved asap so i can be relieved with this tension.. 

XXXX

Company response to consumer: Closed with monetary relief