BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient raised my interest rate without any notification on my private loans! Also, I question whether they have applied extra payments properly to my principle. I need proof of this as well as my original contract with loan terms. I requested the loan documents be sent last Monday XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: JPMORGAN CHASE & CO.
State: TX
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:
Received a notice that I was declined a card from Chase Bank USA, N.A. I have not applied for a card with them, so I called them. They said the card was for Amazon, which I have also not applied for. They also said they would n't do anything about it because it was for Amazon. I 'm not sure why they would n't care about fraud with their company name involved. I have looked online, and this is not a new thing, but obviously it needs to be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a XXXX credit card account with Santander in XX/XX/XXXX. I subsequently cancelled it on XX/XX/XXXX but paid the annual fee that was due prior to my cancellation ( XX/XX/XXXX ). I sent the cancellation request via certified mail return receipt requested. For their billing cycle XX/XX/XXXX - XX/XX/XXXX I received a bill for fees and interest in the amount of {$49.00}. I returned a letter reminding them I 'd cancelled the account a year before and included copies of the certified mail receipts. A few days  later I received a call from Santander requesting I call them which I did on XX/XX/XXXX ; I had long conversations with several Santander employees explaining the situation until XXXX ( # XXXX - no last names ) who assured me the account would be closed and all fees, including interest of {$1.00} which had already accrued, would be deleted. This week I received a bill for the original {$49.00} plus {$26.00} fees and interest. I think it important to point out that my husband went through this same process with Santander less than a year ago ( case # 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 2017-07-22
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested a forbearance from Navient on XX/XX/XXXX was instructed to make an XXXX dollar payment to enter into forbearance, on XX/XX/XXXX made the XXXX dollar payment and on XX/XX/XXXX I was issued a letter saying that I had n't made a payment. Called ( XXXX ) -XXXX upon receiving the letter, was told that my forbearance would be re-submitted and that I would remain in current status for my loan. I then made my student loan payment on XX/XX/XXXX and received an email on XX/XX/XXXX stating that I had n't made a payment. Once again I immediately called XXXX, once again I was told that there was no record of a forbearance but that my loan status was " current ''. Flash forward to today XX/XX/XXXX I received  a letter stating my student loan had n't been received. I verified that there is a charge payment to Navient from my checking account and now im publishing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention that my personal information such as my name, address, phone number, and other sensitive information regarding alleged debt, accounts, etc are being used by several companies without my written consent or approval. One of those companies is Equifax. I have requested that Equifax stop the slander and misinformation of reporting negative Consumer transactions about the Estate of XXXX XXXX. I request the Equifax provide a signed contract agreement between XXXX XXXX XXXX Equifax which authorizes them to use the name XXXX XXXX in association with any alleged debt or consumer transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The 2nd repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXXXXXX XXXX XXXXXXXX

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 2016-02-13
Company: Monarch Recovery Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past two to three months, I have been receiving calls from Monarch Recovery Management attempting to collect a debt. The callers leave a message on my cell phone voicemail because I do not answer calls from callers not in my cell phone address book or callers with an Unknown caller ID. The phone numbers being used to call me show up in my caller ID with no name. The area codes used are XXXX and XXXX. The phone numbers change within the XXXX area codes on subsequent calls. 

The callers identify themselves as Monarch Recovery Management, stating that this is a call from a debt collector. Sometimes they say they are calling to collect a debt. In ALL cases, the callers NEVER give the name of the supposed debtor. On occasion no message has been left at all. 

I do not have ANY delinquent debts, so I should not be receiving debt collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CCS Financial Services, Inc.
State: TX
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:
Credit Collection Services reported a fraud account in the amount of {$1800.00} from XXXX to my credit reports on XX/XX/2022. I have asked this company via certified mail and disputed the credit bureaus to send the original application, that shows the signature, date signed, address and account number. Credit Collection Services has failed to respond to any validation and dispute.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Credit Reporting Act XXXX  Account last four numbers XXXX reported by XXXX XXXXXXXX XXXX reported for the months of XXXX & XX/XX/XXXX and XX/XX/XXXX has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy.

15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Heavner, Beyers & Mihlar LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from XXXX dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 put in a complaint on XX/XX/22 ID # XXXX and a follow up complaint ID # XXXX on XX/XX/22 concerning item # XXXX on my credit report. I received dispute results in the mail today as account verified as accurate. I don't see any updated information on the item or the furnisher of this information. It appears that it was verified by the XXXX court which I know isn't true because the court sent a letter saying they don't report to the credit bureaus. Which I attached to this complaint.

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 2015-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began the process of refinancing my home with Bank of America, who currently holds my mortgage after being contacted by them several times, on XX/XX/2015.  After several requests for additional information, and a lot of confusion XXXX, they asked for verification about a particular payment I received, which caused a huge red flag, and they convinced me to close the loan application to start over, as it was easier for them.  This was in XX/XX/XXXX I believe.  I was shuffled through XXXX different people.  I spent a good portion of my time every day or so preparing information, even going into a branch at XXXX point to attempt to fax information directly to the agent who requested it.  After the restart, a new person contacted me, saying that additional information focusing more on my XXXX income would solve the confusion, and a new list of information requested was sent to me.  A lot of it had to come from my CPA and bookkeeper, so they prepared a large file for me to send and I did.  The agent who requested it emailed me back saying he would put it into my file.  Half an hour later he called me to apologize, that my loan had been cancelled, because he had failed to tell me I only had 72 hours to get my CPA and bookkeeper's information.  I had done nothing wrong.  It was their error XXXX and XXXX my loan was cancelled.
Today I got a Notice of Action Taken, which says that the application was not approved because of INSUFFICENT CASH : INSUFFICENT LIQUID ASSETS TO CLOSE THE LOAN.
I am in shock and horror - scared to death that this will end up on my credit report.  There was NEVER a suggestion that I did not have cash to close the loan.  I was ready each and every time they told me we were about to close to meet the requirements of the costs, which was approximately XXXX times.  I am completely panicked now that this huge bank has not only screwed up my credit by requesting it multiple times from the credit agencies, but now that this Notice is on my financial report as well.  I do not know who can help me and I have emailed the original agent I worked with there to help me, but I doubt I will even get a response.  I believe BofA needs to be disciplined for this.  No one got anything from this deal and now I am much worse off than if I had never said yes to them in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
ordered a dress on the internet and paid extra for specific measurements. Dress came XXXX inches longer than the measurements. Their web site stated that if measurements were off by more than an inch they would pay 100 % for me to have it altered. They refused to do this. Filed a dispute with my credit card company and they ruled against me because they said I did not have the tailor provide detail information on the alterations. The letter the credit card company sent me never asked me to provide this and now they said it is too late to do anything on this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: EXPERT GLOBAL SOLUTIONS, INC.
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 was paid

Complaint:
NCO financial was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector XXXX XXXX refuses to remove debt from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Reporting XXXX XXXX as an open account with a balance account is closed. 
Reporting XXXX as an open account/closed account with a balance. 
Reporting XXXX as an open account/closed account with a balance. 
Reporting XXXX XXXXXXXX XXXX as a open/closed account with a balance. 
Transunion File # 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 non-monetary relief
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am writing to file a complaint with capital one in regards to my walMart rewards card. I am reaching out as I have gotten my account back in good standing and they are still refusing to let me use it. When I call to ask why they state they will not allow me to access my account due to my late payments which I have resolved. Also when I make a payment they purposely use accounts that are closed to avoid having to allow me to use my credit. When I asked them when and why havent they notified me that my account is in a restricted access status they say theyve sent me notices Ive never received them nor did I agree to allow them to do this to my account. Why wont they allow me to access the credit limit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I made an attempt to get my due date changed because even after I pay my total bill at the beginning of the month, Im still getting a late fee. I noticed that my interest rate is going up every other month. Before XXXX took over XXXX XXXX, I didnt have a problem with bi-monthly increasing rates. I explained to them that Im on a pension and wont be able to make payments if my interest rate continue to increase every other month. I also explained to them that when XXXX XXXX had the account there were no increases in my interest rate every other month. After explaining to them about my 2 issues of changing the due date and giving me a fixed rate, they said they could not help me. So Im here trying to get a resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Nationwide Credit & Collection, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a co borrower with my ex wife on a XXXX XXXX account account once we broke up she up she took the furniture and said she will take responsibility of the account I wrote in called in called and did everything in my power to notify XXXX XXXX that I want it to be removed off the account once she stopped paying the account they refuse to remove me Now the account is in collections on my Credit report I called into XXXX XXXX to settle the debt because I am trying to purchase a home and they told me her account Was referred to a collection agency named nationwide collection agency inc I called them and they told they told me my name is not on the account and they can not speak to me about the account and I continue to get the run around from XXXX XXXX and nationwide inc And XXXX XXXX told me that I need to find where my ex wife is and contact her so we coukd settle the account which I wouldn't even know how to begin to do that since we have not spoken and over 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-01
Company: JPMORGAN CHASE & CO.
State: NC
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:
Good evening, We made a car reservation in XXXX, XXXX using the Chase XXXX XXXX and paid with points on XXXX XXXX this year. 

Trip ID : XXXX Traveler 's Name : XXXX XXXX XXXX Reservation ID : XXXX Car Company XXXX XXXXXXXX XXXX XXXX Confirmation : XXXX Pick Up : XXXX XX/XX/XXXX Drop Off : XXXX XX/XX/XXXX We arrived at the location at XXXXXXXX XXXX XXXX in XXXX, and the company said they didn't have the reservation on their system. We spent more than 2 hours with Chase XXXX over the phone here. The agents tried to contact the company that didn't pick up the phone and told us they opened a case in the system to provide us with a refund in 72 hours. 

The agents could not assist with the emergencyno procedure in place to take action in a situation like that. We had to contact a credit card competitor to get an emergency car for the day and the following days from the vacation. ( We will ask to use the travel insurance for compensation for the extra costs/difference price ). All the documents can be provided. 

We have contacted the Chase XXXX phone line to get an update about the refund from the car rental, and the agents need to know what's happening. According to my phone, we have made several calls with a total of over four hours with customer service and are still waiting for a resolution ( refund ). 

Today ( XX/XX/XXXX ), we received an email from XXXX asking us to provide " Example : Email from the car hire company offer the full refund, copy of proof of purchase local car hire company '' We never used the service from rentalcars.com. It may be Chase 's third party, but how we explained that XXXX XXXX XXXX XXXX didn't have our reservation at all. We didn't book a car on that day with them. We used XXXX and the following days with XXXX. 

Chase has been aware of this problem since day one, so the communication needs to be between the third-party system, the car rental company, and Chase.

Company response to consumer: Closed with non-monetary relief