BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: Creditors Bureau Associates
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have twice demanded validation from this company and they have responded by sending me a bill claiming that it is past the 30 day validation period. However, I have never received a notice that they were going to attempt to collect nor have they ever sent a letter advising of my right to dispute it. I only found out about it because I saw it on my credit report and sent a dispute letter to them. I have never had an account with this company. I demand to see a contract between them and me or they need to remove their information from my credit report and close their files. I have been disputing this on my own and have never paid any credit repair company or anyone else to dispute this for me. As of today, this incorrect/invalid/inaccurate information is still showing on my credit report and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
There is an inquiry on my credit report that is not mine

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 2020-02-05
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX has not been updated since XX/XX/2019 this account has been paid off since XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Chase credit card withheld information about the cut off time XXXX east time for payments on XXXX/XXXX/2015. Then at XXXX I called to pay it to avoid late to pay with chase checking the said even though I paid in past with that account I would have provide my account and routing number with I did n't have on me. I spoke to supervisor who said on a recorded line not to worry he will note on the account that he would refund any late fee was I paid it on the XXXX/XXXX/2015. However now chase still charged me a late fee. Even though I paid on the XXXX. In conclusion CHASE credit card automated machine didnot disclose that there was a cut off time on the XXXX due date. And they are scamming me and other customers out of XXXX of dollars. They need to be held accountable for ther scheme

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge for {$1900.00} in XX/XX/XXXX. I went through the proper channels with Chase and received a credit. The vendor then charged me {$1900.00} again two days later, and I disputed that charge as well. I waited two billing cycles, and received assurance that the disputes were ruled in my favor. The vendor then charged my credit card for {$1900.00} again. I went through the dispute process again, received a credit again, and again was told the dispute was ruled in my favor. The charge for {$1900.00} then reappeared again in XX/XX/XXXX and Chase told me they needed 30 more days to research the situation and I 'd receive notice in the mail. Since that time, my contact at the Chase executive office has stopped returning my calls and I have n't received anything in the mail. The charge for {$1900.00} is still on my credit card and no one at Chase can explain to me why it reappeared. It 's now been over 5 months since I disputed the original charge, which I believe is in violation of the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03
Company: United Shore Financial Services, LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
United Wholesale Mortgage failed to notify me that my mortgage was sold to another company. In my opinion, this violates my rights as a consumer that has an excellent credit rating, because now I am unable to make any mortgage payments. I have no idea on who my new mortgage company is and am unable to continue making my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was NEVER {>= $1,000,000} the highest loan amt I had was in the XXXX ranges! Could you please correct this! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to have account # XXXX removed. I gave the credit agency 3 times to correct this issue, well over 30days. Federal law requires that they respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintained a careful record of my communications with them on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), I made it known that they may be liable for their willful non-compliance, still no response.

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 2017-03-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Made a deposit at a Chase ATM in XXXX AZ on XX/XX/2017. It instructs you to put cash and checks in all together. I did this. {$440.00} in cash and a check for {$500.00} dollars. the screen showed one item not accepted. When the transaction was completed it did not return the check and there was no notation of the check on the receipt. Immediately called Chase. They filed a report, and issued a credit to my account. It is now 13 days and this issue has not been resolved. I have called the number provided twice in the last three ( 3 ) days, same answer, not information available. How is it that a ATM machine can have this type of malfunction and they do not take immediate action. Also told they have no direct contact with whoever is " investigating this. This is a major issue with Chase 's brand new design ATMs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been training to short sale a house in XXXX XXXX, NM. I have had a purchase offer from a willing and qualified buyer, since XXXX XXXX, 2015, but after receiving numerous " commitments '' for conditional approval from the lending institution personnel, almost six months later, all parties are STILL waiting for an approval that seems unlikely to ever come.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: EVERBANK, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was trying to get a home modification with my mortagage company. they had put me threw a run around for about a year i found help else where and was approved for the modification. in the terms of the modification my late payments was deferred but still show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A debt dating from 2006 has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Nelnet, Inc.
State: FL
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:
I made a payment on XX/XX/XXXX on a loan which was disbursed on XX/XX/XXXX. This payment should have been applied 100 % to the principal of the loan, as I was essentially paying back an amount from the loan which was more than we needed. This was the second disbursement of my son 's student loan, and Nelnet applied most of it to principal, but applied {$270.00} to Interest. As it was repaid within 120 days of the disbursement of the loan, it should have all been applied to principal. I contacted Nelnet via chat support in mid XX/XX/XXXX to request that they correct this and apply the full payment to principal. I was told via chat that the payment was not applied fully to principal because it was more than 120 days from the loan 's disbursement ( the loan 's original disbursement was in XX/XX/XXXX ). I pointed out that the second half of the loan was disbursed in XX/XX/XXXX, well within the 120 days and was told that they would correct the issue. In early XX/XX/XXXX, I noticed that Nelnet still had not fixed this issue. I then contacted Nelnet via their 'contact us ' on their website to follow up and again request that they take care of this. I received an email requesting more information, which I supplied. I was contacted on XX/XX/XXXX stating that they would send a request for the payment to be allocated as requested, and that my request could take up to 5 business days. Checking today, they have still allocated {$220.00} of that payment to interest. I have received no further communication from Nelnet regarding this issue. I emailed them back this morning, again requesting that they fix this issue. Meanwhile, I am being charged interest on the full balance of the loan, when this should have been credited to the principal of the loan almost 2 months ago. I have also made several requests trying to find out how to pay down any of the principal on my loans, and these requests have been ignored. I filed a different complaint with you regarding that issue prior to noticing that they still have not credited my account as they should for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am submitting a complaint against Navient who gave my son student loans without my approval. Now it turns out that they put me as a co-signer of which I never had agreed to nor have signed for. I requested a copy of the original loan contracts and found that they have typed in my name even thought the contract clearly states that one should read the contract before signing it. I see no where that I have signed it and I will never agreed to it. I am requesting help on getting these loans off my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Around XXXX in 2011 my account was reported for fraud i went through the process with u guys and everything the account went into investigation and the fees were paid out every thing was settled you guys closed the account and stated i couldnt get an account with BANK OF AMERICA at the moment but could with other banks. Later on the following year i was mailed a check to cash for XXXX that was what i had left i guess. So now im not understanding why cant i get an account with anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Calls are being made to all different numbers that they are not authorized to do. I 'm being harassed at my job, family, and individuals information they are getting from a third party. This is not right. I specifically updated my account what number they can call. They continue to harass me daily on different numbers. I know this is against the law. I have recordings on my work voicemail showing they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BEWARE of banking with BBVA Compass!!! Inefficient processes and lack of follow through by staff leads to poor service and financial harm. To whom it may concern, it is with great frustration and disappointment that I bring this complaint to you regarding unfair treatment, inefficient policies that have caused financial harm to me by BBVA Compass. Due to incompetencies in their systems and operations, my financial credit has been hurt by their unfair report to the credit bureaus. 

Prior to this incident, I have been a faithful customer at BBVA Compass for over 3 years and have multiple business lines with them. On XX/XX/2019, I met with representative at the BBVA Compass branch on XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX branch to take out a business loan for a purchase. He recommended a combination of products in other to get to the amount needed. During the loan application, I asked XXXX to help me setup all the loans on auto draft so that all the payments due would be drafted from a business checking account I have with them. 

The problems started several weeks later when I found out the payments had not been setup on auto draft as requested and I was getting charged late fees. I had a business checking account with BBVA where I wanted the funds to be drafted from and the account had enough to cover all the payments. I reached out over 6 times, went into three different branches, met with a branch manager and no one could figure out how to setup the payments from this particular loan. 

Finally I was able to meet with a business banker who was able to help me resolve the payment issues. However by this point, the damage was done. BBVA Compass had reported deliquencies to the credit bureaus damaging my credit even though I had accounts with them with enough balance to cover the payment and I had made many attempts to make the payment. I was also charged several late fees and I was able able to get a refund on some of the late fees. However my credit has been tainted. 

I've been to two branches to discuss how to resolve the issue with the credit report. I was supposed to have a branch manager and then client care follow up with me and its been over a week and no call from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Franklin Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We/our client have been unsuccessful in a loan modification process that we have been attempting since XXXX 2015. We have submitted each and every request to Bank of America to no avail. We have provided documentation each and every time it has been requested and can not seem to get confirmation of documentation ( because there is an active cease and desist on the file due to litigation ) along with opposing counsel continually requesting the same documentation over and over only to consider they are not forwarding to their client 's for review. Our translation of the guidelines support that we are to have a dedicated individual reviewing the documentation and open communication re : same. Litigation is still continuing and we are not getting anywhere with the review.

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 2016-11-09
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 've been trying to get this collection of my name or get it paid! I tried to dispute it but it know shows that this company sold it to a third party and its showing on my credit report as a recent collection of 90 days with a balance of XXXX my original creditor was city of modesto with original balance of {$350.00}. when they decided to sell it to this third company they decided to put it as a new collection that just open in XXXX of 2016. I 'm trying to fight this collection because its not a recent one and the information is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been trying to consolidate my loans to enter an income based repayment plan. However, the National Student Loan Database ca n't find my loans. We *think* this is because my information has not been corrected since I got married and changed my name ( 8 years ago ). For months I have been fervently trying to correct this, but NSLDS keeps sending me back to my servicer ( who swears up and down my name has been changed ) who keeps sending me back to NSLDS ( who swears up and down the information is still incorrect ). I 'm so frustrated I want to cry. 

Also, my servicer, without any prompting on my part or any clear reason why, suddenly changed my loan with only 8-years left of payments on it to a new 20 year term. I only received a generic form letter telling me my loan terms had changed with absolutely no explanation as to why this had happened. When I called my servicer I had to try XXXX different representatives before I finally found one who could vaguely explain the issue. ( Apparently they did a review and discovered that my I unsubsidized loan and my subsidized loan had different terms, so that triggered some sort of reset ). These types of things make me very nervous. Federal loans are complicated enough as they are. How can I trust that my loans are being handled properly?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Greetings The Purpose of this Complaint is to inform you of the Less the Fortunate Service I Received on My home Loan # XXXX From Bank of America. I have Attached a Few of the Letter of Pre approval Letters From the Loan Officer Agent. The Loan Officer Had Me under the Assumption that I Was Pre Approved Back in XXXX XXXX After an initial Credit Check. 
Bank Statements and other documents From XXXX XXXX was Provided to the Loan Officer Never once did the Loan Officer Express an Concern about an Issue that was on my Credit until 3 month Later. After Shopping Around For a Home and Being Shown Multiple Properties From My Realtor, I Finally Decided on a Property to Purchase. This was My Potential dream House I Really Felt Good About this On Monday XXXX I Had the Power Turn on at the Property. On XXXX I was Charged {$550.00} For a Appraisal Fee and another Credit Report. 
On XXXX I was Told Verbally that an underwriter had Looked at the File and Seen Something on My Credit.I Have also Attached that To Show How that was cleared. I Do n't Really Know What is your Protocol on When initially a Person Applies For a Home Loan The Parameters that are Taken. I Feel Like Three Months of My Time Has Been Wasted and Was Living out of Boxes anticipating a Move Soon. I Have read All the Reviews that Are involving BOA and I 'm starting to Think Where is the Customer Service on Most of these Matters. I Did n't want to be Long Winded on this but These are The Facts Concerning this Matter XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief