BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-27
Company: Experian Information Solutions Inc.
State: OK
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 disputed this account several times with XXXX XXXX and With XXXX,   Experian, XXXX I Have a complaint thru CFPB cause XXXX XXXX  will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue.

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information.

I went off information in my credit report by XXXX, Experian, XXXX XXXX, Experian, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE XXXX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE.

THIS IS MY FINAL NOTICE TO XXXX AND THERE RESPONSE WILL BE USE IN COURT.

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 2016-07-06
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I have a home mortgage with TDBank. I desire to make additional payments toward principal on this loan. They do not allow you to do this -- either through electronic banking or through automatic funds transfers from other banks. They force you to call a separate mortgage department and process for each transaction individually ( or mail a separate payment each month ) thus putting up a barrier to the consumer regularly adding additional principal payments and thus shortening their loan term. I found it annoying and revealing that they call additional principal payments " Curtailment '' payments and not principal payments. In short, no one could give me a way of having additional principal payments added on a recurring basis. This seems like a passive way of ensuring that the consumer has barriers up against prepayment and should be against the law in my opinion. None of my other mortgages operate in this way there is complete transparency of how many payments I have left and I can pay down principal electronically any time I want from any account I have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A student from my school offered me a job in which I would have to withdraw money from my debit card weekly, little did I know this was a scam the whole time. This student and his associates transferred money to my debit card, and forced me to withdraw all the funds. At the moment only {$2900.00} was cleared and they made me withdraw it by force. Once I did they took the complete {$2900.00} leaving me with nothing. They wanted me to withdraw {$7000.00} but I declined and reported Identity Theft. After the whole investigation, the bank says I owe {$3100.00}, but I was scamed and robbed for this money, it is unfair that I must pay this back. The bank teller should have never gave out the money there, but the money was cleared so I dont understand why I must owe this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I recently purchased a new car, and received bank financing through the dealership. During the sales process, the dealership gushed about my " excellent credit '' and made it a point to emphasize the 0.9 % financing I would receive. So, I was very surprised to now see the rate listed at 3.89 % on my bills. ( I would also note that my carbon copy of the financing agreement, provided to me by the dealership at the time of sale, was NOT EXECUTED by anyone from the dealership. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Altisource Portfolio Solutions, S.à r.l.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I started receiving emails in XXXX of 2015 from XXXX regarding update of credit card associated with an account for which I had made a purchase. I had been reviewing my checking account and noticed that the funds were being taken out so I disregarded the emails for those couple months. My balance had been pain off ; However, I was still receiving these emails. I followed up with XXXX and was notified that there was an additional account in my name and address for merchandise that I had not purchased. I notified the rep that this was not a purchase made by me, and she agreed that the card and name on the card used did not match my account name, although it did not match my address. I later received notice from a collection agency regarding this matter. I followed up with the collection agency and let him know that this was not a purchase made by me. They notified me that the only thing they can do is receive payment on the debt that is in my name, they can not change any names or transfer debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Live Well Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Lender will not give me a Loan Modification on my Father : s Home my Fsther Died and left me his Property so i am the Administrator of his Estate but this lender will not work with me on a Loan Modification and the lender has a sale date and the lender will not work with me so my home is going to sale

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Arnold Scott Harris, attorney at law, issued a letter via USPS mail that I owe XXXX. The amount due for payment does not match the total amount balance in the description in the bottom of the page. They also claim to be an attorney or is communicated by an attorney ; threaten that my property and XXXX from bank account would be seized. It does not even say I can dispute this bill and that paying this debt could stop collection activity. This bill is fraud and should be vacated. I would like other payments made to Arnold Scott Harris to be investigated for the legitimacy of the bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, I had XXXX fraudgelent charges on my debit [ checking ] acount. XXXX " fell off '' XXXX remained, I filled out the form, that day. Iwas told 7 days it woud be returned XXXX XXXX charges remained. After 10 days the money was not returned, I was then told It was an out of country fraud, another " international form would ned to be filed, which I did asap. on XXXX XXXX. The bank accused me of using this site previously and the case was closed { it is an XXXX dating service, I am almost XXXX years old. ] I never did! the rep. XXXX was horrible to me! Although XXXX of the XXXX were reurned, they were giving me a horrible time. I then reached out to the branch fri.XXXX. spoke to the manager XXXX XXXX XXXX, she would return the money XXXX to my account. It was not, On the XXXX I rechecked and still not! as of today XXXX. it is still not been returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22
Company: Genesis Lending
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I had a genesis lending loan, that has been charged off, it is appearing on my credit report and weighing it down a lot. I have called genesis and was redirected to another company phone number XXXX, they do n't seem to have any information on me, I called called XXXX whose name appear on my credit report and they do n't have any information on my loan. I have trying to get information, no one seems to know or have any information about me. If I CA N'T GET INFORMATION, I WANT THE REPORT REMOVED FROM MY CREDIT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Regional Management Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
When I 'm not able to make a payment on time I get continuous phone call starting at XXXX XXXX at night if that 's not happening I get letters put in my door I have a stack of letters also I can make an arrangement with them and they will still call or come and put letters in my door it went as far as them calling my daughter and I did n't have her down as a contact she tried to apply for a loan I have been threatened by the workers I work a XXXX shift and they are closed when I get off I 'll try to get money orders and pay I 'm a single parent I surely do n't need XXXX stress on me I 'm tired of it please help I 'm doing my best

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2015-03-24
Company: Genesis Lending
State: FL
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:
In 2008 I attended XXXX University in XXXX off XXXX and XXXX while attending XXXX University I was only known of the XXXX XXXX loans I had. While going to the school they kept telling me I did not have enough money to continue that I had to keep taking out loans just to continue. Right before I graduated they told me I did n't have enough money to XXXX that I had to take out another loan before I can XXXX an at that time is when I found out I had a XXXX lending loan. Then after XXXX i ask for my XXXX to find out they took more then XXXX loan out on the same day at the same time. I also find out that they XXXX about how much money my XXXX will cost it was suppose to cost about XXXX an when i XXXX it was almost XXXX. I was also suppose to XXXX after XXXX years and i did n't XXXX till about XXXX years. Then after XXXX and continuing XXXX i was told i can continue with my XXXX even if i had a XXXX record and it withhold of adjudication. well I just found out that i wasted my time at XXXX and XXXX college In XXXX to get my XXXX and almost my XXXX and XXXX wont even let me withdraw when i told them my situation. Even though they said i am not even suppose to be certified but they still wont withdraw me. I told genesis lending of my situation but they wont drop the loan. I do n't feel I need to pay any loans because it was more then what i was told and I was lied to just so they can get money I wasted my time when I could of went to XXXX for something else.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency, FOCUS RM, has placed a debt on my credit report that is not mine. I researched the company. Apparently they are scam artists that place false debts that do not belong, and they have done this to XXXX of people. The debt on my credit report, which has ruined my credit is not mine. I never even used XXXX. Please shut this scam company down!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage loan with Chase since XXXX. I have made payments on time and have been current on the mortgage for several years. I have cancelled checks to prove it as well as statements from Chase. Chase however says I am XXXX payments behind from XXXX. I sent them a letter and documentation showing all payments were made and on time. After XXXX weeks, they sent me a letter that actually I was late in XXXX and that for the past several years, they have been putting my payments in a suspense account and periodically took money from suspense to pay the loan. I was never told there was such a suspense account and was surprised since I was current with payments for years. In a nutshell, they set up a suspense account without telling me and while my statements from Chase said they received my payments, they did n't tell me they were applying them to some suspense account instead of applying them to the loan. Because they believe I am XXXX payments behind, they returned my XXXX XXXX payment because they want XXXX payments in full. I explained I made all the payments and do n't owe them that money. The customer service rep. has only returned XXXX of the XXXX calls I placed to her and did n't have an answer for why there is a suspense account. She would not take all my cancelled checks for XXXX but I faxed them to Chase anyway. This has been going on since XXXX XXXX. Chase needs to find the missing money and apply my payments to my mortgage and not to a suspense account. And they need to tell the credit bureaus I am and have been current on my loan. And they need to reverse the late fee they applied in XXXX since I was n't late. And last they need to let me make my payments as I have been doing for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: JPMORGAN CHASE & CO.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I obtained this loan in 2000. The interest rate was to be a fixed, stated a fixed but jumped. Also, fees were included XXXX. The company after the condo was sold, started calling and making threats. I would like all my money back, every penny. I have many complaints to file because believe it or not they are somewhat related.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage after my income was reduced because I was in real estate when the economy crashed and my income drastically decreased. I applied for a loan modification recently and I know I qualify for the Making Home Affordable Program after running my scenario through the online check my NPV web site it came up positive. I also hired an attorney to assist me with the process and they advise me that I qualify for the HAMP program. I am being told that the only reason I am being denied by Chase is due to the fact that Chase is refusing to accept a rate lower than 7.50 %. For this reason my loan is essentially being blocked from receiving assistance. My attorney states Chase can and should contact the investor or upper management to ask that the override that is evidenced by the " Y '' in box XXXX of my NPV chart ( Attached ) be removed on an exception. A rate of 7.50 % is excessive and to demand a modified rate of 7.50 % when the HAMP program offers assistance in subsidized rates as low as 2.0 % is truly excessive. I feel Chase only wants to take my home when I actually qualify for the HAMP program. I am also told that Chase 's participation in the HAMP program requires them to make an effort to get an exception to remove the " override '' attached to my loan allowing a lower rate than 7.50 %. My attorney and I both feel confident I will easily qualify for assistance if Chase did this and obtained an exception to remove that block. I feel Chase is basically blocking or evading the HAMP program approval

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX had debt on my credit report submitted validation letter plus XXXX complaint finally got the XXXX XXXX off my report now I get alert that XXXX XXXX XXXX is on my report for XXXX XXXX never once did they send me anything I dont even know who that company is Im also in Ohio where they arent able to collect without license the XXXX account was for {$610.00} would like for this to come off my credit report since I thought it was off already since origanl debt couldnt validate it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My business checks were stolen and I contacted the customer care department to request that I get a new account number. I was told that I need to pay {$30.00} for a stop payment on the checks that were stolen and that I had to go into the branch to get that done. I went into the branch on XXXX XXXX, XXXX, Georgia and was told that every member that is listed on the business with the XXXX of XXXX had to be with me when all of the members listed on the business are not listed on the bank account. I explained about the checks being stolen and was told that was the only way I would be able to get new checking account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Nelnet, Inc.
State: NY
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:
Firstmark Services has incorrect information about my account on their website, including incorrect amount of accrued interest and incorrect monthly payment amount. The website says that I should be paying them $ 4000+ a month, when my monthly payment should actually be around {$500.00}. 
I contacted customer service to understand what is going on, and they were very unhelpful and just said that the website is n't working. 

This seems problematic because I assume the website would accurately display basic information like loan amounts. But it is n't. And this makes me think I need to go back and check every single number on there. Which is a hugely time-consuming prospect. Also, if my information is correct, that means may other customers ' information could be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
some bank credit cards have very complex incomprehensible interest rate system. i.e. different rates for different bank products on one credit card : i.e. Rates for purchase, cash advance, overdraft, linked to card, promotional interest rate. For consumers who pay less that the total balance, are hit with compounding interest @ 15 % 19 % or higher on other category on the same card. This is totally unfair, and equal to " lone sharking ''. No clarity is provided regarding allocation of payment to interest rate line item. The compounding aspect of this situation is totally unfair and greedy. Can your department help with this situation? Help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ResponseChase received your inquiry via the CFPB on XXXX XXXX, 2015. Because of the status of the loan we did not attempt contact you. Once we have fully researched all issues, we will send a written response to you detailing our resolution This is the response on your website from Chase Bank to me. They have had no problems calling in past and having their attorneys call. They once again are trying to avoid correcting their horrendous errors on my account. They have failed to resolve past complaint allowing time to pass so it shows resolved with you now doing same thing again. They have written excuses and resolutions indicating contacted me no response - noted telephone number different than on my complaint. Mailed info to the house they foreclosed on! stating no info on new address even though I have correspondence records indicating that is a lie. Noted mail returned from XXXX. verified with XXXX and my employer that is a lie - I am a XXXX employee and address changed since removed from house they have sent mail here numerous times!

Company response to consumer: Closed with explanation