BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed a 30 day late pay on XXXX. It is being reported XXXX 2010- I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 
I have attached XXXX mine and his ID 's and a credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed XXXX items with XXXX, they did great and took care of me. They were adequate and thorough. Although, XXXX and Equifax will not remove what XXXX removed. I will attach all documents involving my cases in XXXX. I attempted to call Equifax and XXXX but I need to buy I credit report first. I used my annual free credit report and called. They said it has already been disputed and those were the final results. I am asking you for help to remove my negative accounts when I am paid as agreed and to completely remove XXXX because of my separation agreement and final divorce decree naming XXXX ( ex husband ) the car, also stating he is solely responsible and has been since XXXX of 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have made several attempts over the years to have these credit card accounts removed from my credit since it each have been more than ( 8 ) years. During XXXX call the customer service representative was so rude when I only was trying to have him answer some questions. He seemed just so irritated that we never got to a resolution. Mainly I was trying to clear my name with XXXX XXXX Bank who continued to send me bills and financial statements for a credit card I never Got or Used or even Seen before but the XXXX XXXX Bank has been able to keep this incorrect information on my report like the other credit card companies!! These outdated information is continuing to make it hard for me to have normal various rates such as others may have and to make better for my living and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello I try and keep track of the items that are on my credit especially my inquiries but yesterday I noticed that I have some inquiries that do not belong to me. I have n't lost any of my information I do n't think and I do n't believe someone has stolen my identity. Please send me information regarding these inquiries or have them removed as soon as possible because it is truly hurting my credit and I do n't have these accounts. 
EQUIFAX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am just overwhelmed in paying on this loan. The more I pay, the balance increases. I have paid almost {$3000.00} on this {$6000.00} private student loan, and would like to make a lump sum payment, but afraid this payment will end up floating in the air and not making a dent in the principal balance. AES will not negotiate a payoff and are being hard nosed as usual. Paying {$12000.00} to pay off this loan is a rip off and needs to be investigated. My experience with AES is that of a predator lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: PNC Bank N.A.
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2016, i initiated a wire transfer from XXXX in the amount of XXXX to be transferred to my PNC checking account. The We were quoted an exchange rate of XXXX per XXXX $ or {$61000.00}. But the amount deposited into the PNC account was substantially smaller, {$59000.00}. When I called PNC about it, they noted an exchange rate of XXXX. I checked multiple banks ( XXXX, XXXX ) in the XXXX and in XXXX ( XXXX, XXXX ), and could not find this rate anywhere else in roughly a month 's time. The rates were in the range of XXXX and XXXX. 
When I called PNC to inquire again, they told me PNC uses its own rates, but during my first call, they had noted that they follow international rates. 

While I understand the rates can vary, I could not substantiate the rate used by PNC anywhere else, and thus feel we lost over {$2300.00}. Had I know this in advance, I would not have used PNC at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I want to make a complain against Navient. I have been paying my school loans since I believe XX/XX/XXXX/XX/XX/XXXX and just recently in XX/XX/XXXX I lost my job. I called Navient to see if I had other options besides forbearance. They mentioned this would be my only option but this would still mean that my percentage rate will still apply every month regardless. Its frustrating to me because I have a very high interest rate that they wo n't allow me to change. So I am paying double at the end. When I did file for a loan I was not aware of how much interest rate I would get hit with. I am out of my wits with no help and a growing loan that has not yielded anything for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Other

Complaint:
I saw several charges on my Chase Bank credit card. I wrote the company to validate these debts. Chase did not respond. I wrote another letter. Chase refused to investigate fraud. I contacted the credit bureaus and the account was removed from my credit. Chase Bank reported the invalid debt to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Westlake Services, LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX ; I purchased a XXXX Ford Edge from XXXX XXXX in XXXX XXXX XXXX. After about 1 month of jumping thru hoops, of needing more documentation. etc. The loan was picked up by Westlake Financial Customer Care XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX - ( XXXX ) XXXX. The loan payments were to be made starting in XXXX XXXX, at XX/XX/XXXX, I received an adverse action letter stating they were not extending credit due to a timeline in getting the documents back to them. I called and after 3-4 days, it was finally confirmed that the loan was ok, and that I need to make the payment. I arranged this payment over the phone at that time. Due to the agent transposing the routing number, the payment was returned. I immediately called, confirmed with them the routing # was incorrect, and made another payment., resolving the issue. Since that time, I had made payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then XX/XX/XXXX, the payment was due again, I go online to pay the loan, and see there is a payment in full stamp on the loan. It was after hours, and I was going to call the next morning. That night, the dealership sent out a tow truck to pick up my vehicle. The driver stated the loan did not go thru, and that it was a first payment default, stating MY down payment of {$5600.00} AND monthly payments for 6 months ( {$620.00} ) totaling {$3400.00}, additionally I had to repair a gas line ( {$50.00} ) Did my self so no receipt ; then {$100.00} for an oil sensor and {$470.00} for an alternator for another {$620.00}. This was NOT a first payment default, and if it were, how did it take you 6 months to determine this? IT WASN '' T, not only did they get my first payment, they took 5 more! I have attempted to contact the dealership, and for a week now, they just keep telling me they are trying to work on it, and are now refusing to return my calls. I am out {$9600.00}, plus the cost of having to rent a rental car for transportation while they " figure it out ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
My Experian Credit report has multiple Credit Inquiries I did not authorized as follows : 1. XXXX : Inquiry Date : XX/XX/XXXX 2. XXXX XXXX : Inquiry Date : XX/XX/XXXX 3. XXXX : Inquiry Date : XX/XX/XXXX 4 : XXXX : Inquiry Date : XX/XX/XXXX 5. XXXX XXXX : Inquiry Date : XX/XX/XXXX 6. XXXX Card : Inquiry Date : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX 8. XXXX XXXX XXXX OR : Inquiry Date : XX/XX/XXXX 9. XXXX XXXX : Inquiry Date : XX/XX/XXXX 10. XXXX XXXX, XXXX XXXX : Inquiry Date : XX/XX/XXXX I have tried to reached out to Experian over the phone to initiate a dispute on these credit inquiries but their phone line do not connect with an agent.

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 2016-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage with Chase, they have a system whereby you are able to pay by phone, the system acknowledges receipt of funds on the day the payment is processed subject to you providing you providing your routing number and checking account number. Upon receipt of my statement, Chase reflected that the payment was processed a day later and charged me a {$25.00} late fee. This has happened on XXXX occasions to me this year. In the past when I called they acknowledged a 'systems glitch ' but this time they would not refund the fee after spending nearly an hour on the phone and speaking to multiple agents. How many customers are charged fees like this every month, its an obvious attempt to delay the posting of payments to rack up late fees. I would like the XXXX to investigate my case and the overall business practice here. Since mine is a HELOC, the late fee is fixed, however on traditional mortgages the late fees could be significantly higher. Thank you in advance for your assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/2016 XXXXET my balance read {$39.00} on that same day at XXXX ET my balance read {$45.00}, the following day XX/XX/2016 XXXX ET my account read {$200.00} without me depositing any more, I decided to call " Chase '' customer service to get clarity on this fluxing account balance the rep told me that the balance that is being sent to me is yesterdays end of day balance which i do n't understand why would send me a past balance if its not the current up to date.On XX/XX/2016 XXXX ET my balance was - {$42.00} I decided to visit a " Chase '' an speak to the branch Manager. I spoke to the manager about the problem and was explained that a merchant I brought merchdise from took a week to take the funds I replied " I understand that but I called customer Service about my account changing daily, and no one informed me of thats why and let my account go negative thats why I 'm upset '' the Branch Manager responded saying " A lot of out customer have had issues with faulty daily balances '' I decided to close out one of my accounts and withdrew {$4300.00} and left {$100.00} in my other account cause I have my payroll check waiting to be deposit and ask that my debit card still be linked to that account. Only later to find out that my Debit Card was closed out as well. I submitted a compliant to " FDIC '' as well on an issued i have had with " Chase '' while I was working out of the country it was just to lengthly to write here as well but this is another recent issue I have had with " Chase ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Chronologically, XX/XX/XXXX I purchased a home at XXXX XXXX XXXX, XXXX, PA XXXX. The mortgage was arranged through a mortgage broker, XXXX and the mortgage was through XXXX. It was a variable rate mortgage that I was steered into as the only available option to me. I never fully understood the ramifications or consequences. The mortgage was apparently sold quickly to EMC Mortgage. We took out mortgage protection insurance offered by the lender, but with the soon to be shuffle, problems within the housing bubble and selling of the loan which got worse and worse, somehow the insurance just disappeared. As it was an adjustable mortgage, it got to the point where I could n't afford the payments. Concurrently, other financial institutions got involved who I had no idea of, such as XXXX and XXXX. Actually, the first I heard of XXXX was when they filed a foreclosure against me. Shortly thereafter, Chase took over from EMC somehow ( very confusing ), and began a push to to have me modify the loan. Scared, and figuring I had no other choice, I followed their instructions, and modified the loan. Again, I did n't really understand the ramifications ; and it was n't until I sold the property in XX/XX/XXXX that I realized how bad a mistake this was for me. The original mortgage loan of {$240000.00}, which I had paid down to {$220000.00}, was now {$340000.00}! I was shocked to say the least! I ca n't understand the how and why of so many banks and deceptions in this convoluted mess. I did subsequently learn that EMC Mortgage and Chase were one in the same - they have the exact same address. I believe that I was initially forced into a bad mortgage situation by the mortgage broker, and when it adjusted to a much higher level than I ever anticipated, I was ultimately forced again this time into a loan modification which had an astronomical cost to pay off. I tried to secure a complete file of all documents including the mortgage insurance, but I can never get everything - Chase says that the loan moving from financial institution again and again, these documents are lost. I think they are conveniently lost so that Chase/EMC can strong arm me while giving the appearance of not being culpable for anything. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Chase as I was changing jobs and it seemed like a good time to make the switch since they advertised a promotional free {$200.00} when opening an account and enrolling for direct deposit. I generated the coupon code and presented it to the banker before he opened my account and was assured that it would be entered. 

About a week after getting my direct deposit I contacted Chase asking when promotion would be depositied into my account, and provided the coupon code as well as the Date/Time it was generated making sure it was on my account. I was then told that since it had been over ten days that I would have to go to a branch, which I did. 

The branch acknowledged my coupon, and was unable to enter it and I was told to contact support. I contacted support back who thanked me for my business but that they could n't enter the coupon. 

I am in no way at fault here as the banker failed to enter the coupon ( yet it was acknowledged it was valid ) and that was a primary reason I opened an account with them in the first place. If you are going to advertise a coupon you ca n't simply ignore it and then say it 's too late when the time to notice it is longer than the time it would take to show up. It takes up to ten business days for it to be credited to your account, yet you have ten days to tell them to enter it ( after it was already presented )?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09
Company: Nelnet, Inc.
State: CO
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:
XX/XX/XXXX I attempted to payoff my student loan with Nelnet. I contacted them for a remittance address. I was given the wrong address and my remittance ended up with the Department of Education in XXXX. When this problem was discovered, I contacted Nelnet. I was told by the customer service people that my loan would be put in forbearance and not accrue interest as it would take some time for the refund from the Government. It was their mistake to give me the wrong address. The money was finally remitted and I again tried to payoff the loan in XX/XX/XXXX. Nelnet received the payoff on XXXX XXXX, XXXX. They are now claiming I owe more that {$1400.00} in interest, I do n't think I should have to pay interest because of their mistake. I did discuss this with several managers. The last one claimed I had been notified that the loan was still accruing interest. I have attached a listing of the correspondence from Nelnet. As you can see I was not notified of anything! I received my XXXX from the University XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase Bank has charged me a total of XXXX XXXX overdraft fees since XXXX. When I opened up my account I signed up for mobile alerts and email notifications to help keep track of my finances since they are offered by the bank. I do not receive any of these notifications. Chase in fact has charged me overdraft fees while my direct deposit is in my account in pending status. This situation has created an effect where now I ca n't balance my direct deposited income versus these fees. When I call customer service no one is able to help me and when I tried going to my branch they also turned me away. 

Chase also reversed a merchant dispute with no notice for charges that were a result of fraud at a nightclub. The denied re-opening this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX, phone number : XXXX, XXXXXXXXXXXX. 
Address : XXXX XXXX XXXX XXXX XXXX Michigan, XXXX. 
My complaint : Current mortgage is with Chase Bank : 5.73 % monthly cost : XXXX, Balance : XXXX I tried refinancing my mortgage with XXXX Mortgage : Problem unfairly calculation with high than normal closing cost. 
Chase XXXX to XXXX hard check on credit to reduce credit rating to offer a higher mortgage rate. 
I am very disappointed with the process which should be quite simple since I currently paying my mortgage with a higher cost and interest rate : So what is the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
what happened is Ditech, green tree and XXXX has totally screwed up my mortgage since I was in bankruptcy I paid my regular payment in my bankruptcy plus added funds that I was behind and escrow account balances for a XXXX long year period now ditech who you never get to speak to the same person ever keeps telling me that my escrow is always behind and at a {$0.00} amount but I have continued making payments since being out of bankruptcy and even when federally discharged by the federal bankruptcy courts I was paying a higher monthly mortgage payment because that was what the trustee courts of XXXX was paying out then I was informed that {$1.00} was being applied to my escrow because that was an overpayment but yet I was never contacted these companies have to many outlets to throw the consumer off especialy when being XXXX and trying to make ends meet. I guess I am going to have to find an attorney who will work on contingency because I believe ditech, XXXX and bank of XXXX are committing fraud especially on my mortgage none of the numbers add up you never get the same answers from anyone from any of these companies. I believe that ditech needs to acquire a loan for me with an interest rate around what the rates are listed today. Not something they make up and then change their minds, also they keep sending docs with credit reports listing someone else 's credit card I have no credit cards I just got out of bankruptcy last XX/XX/2016 and then discharged XX/XX/2016. I was trying to get cash back but then was informed not available only harp loan available but yet they are slamming me with a XXXX % interest I am currently at XXXX % how is that going to help the bottom line. Because what I read the harp fannie mae they have to give you the going rate of interest which today I believe is XXXX % but yet I am being gaslighted once again this is crazy. So since all of this mess up they need to give me the refinance loan with an interest rate around 3.87 % that is my desired resolution

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation