BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I went to Chase bank to cash a check for {$14000.00}. Which was written by a chase customer. They told me they could not cash the check because the company had a check cashing limit and chase did as well. I was told that If I opened a checking account that I could have {$4500.00} that day and then the remaining balance would be released on wed the XXXX. After I opened the account the banker then told me that I could not have any funds that day that they would release the full amount on the XXXX. I was sent a debit card by XXXX  on the XXXX in which when I tried to activate the card they said the card was closed. I called Chase customer service and was transferred to the fraudulent service department and was told that my account had been closed for reasons they could not tell me. The lady told me that I could go to any branch and call the fraudulent service department let them know what branch I was at and they would contact that branch and release the funds to me. The following day I went in to the branch where I deposited the check spoke to the same lady that opened my account and she then told me that I could not have the money until the XXXX and I could pick up the funds at the bank that the check had to clear.I then called the party whom the check was written from and asked if they could void the check and write me a new one and they could not because they said the check had already been cashed.. I then called the fraudulent department to find out what was going on and they said that my account was being closed and that it took 10 days to close the account and that the funds would be released to me on the XXXX I then spoke to his supervisor who could not help me and asked to speak to her supervisor who then said he would try to contact the branch and request the funds to be released. He then said that they denied to release the funds and that a cashiers check would be overnighted to me and I should receive the check by the XXXX. This is unacceptable. They have stole my money and will not give it back. This has caused me so many problems is going to ruin my credit which I have been working on building for over a year and caused me hardship at home. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today I received a letter dated XX/XX/23 from Specialized Loan Servicing, indicating that I was delinquent on my supplemental real estate taxes. 
This is, in fact, FALSE! 

I am aware that it is my responsibility to pay supplemental real estate taxes and I have paid them and I am NOT delinquent. 

Ive called their company today and had a representative confirm this information. She also did not know what the indicated XXXX XXXX {$470.00} ( owed ) is in their letter. 

To receive *FALSE and INTIMIDATING notices from a debt collector, especially when my bills are ALL PAID IN FULL - is in violation of the Fair Debt Collection Practices Act.

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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. In fact the status update date confirms that no investigation took place as it still shows XX/XX/2018. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in 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 explanation
Consumer complaint received 2023-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was traveling in XXXX used capital one card at lot of places and my card got stolen and saw few fraud transaction which I reported and capital one denied the claim without any investigation. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount of Charge {$38.00} {$68.00} {$4.00} {$2300.00} {$4.00} {$1.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Hyundai Finance XX/XX/2016. A consumer credit transaction in which a finances charge was involved. 15 USC Defines a finance charge as the sum of all charges in a consumer credit transaction. Hyundai Finance made me purchase my insurance separately and has violated laws including but not limited to 15 USC 1681a ( d ) 2 ( A ) ( i ) sharing this account with creditors, This debt was never validated according to 15 USC 1692g. Hyundai Finance is also using misleading information to try and confuse me saying that the FDCPA doesn't apply to them.

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 2022-01-06
Company: Paypal Holdings, Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/2020 I was banking with PayPal and they decided to freeze my account out of nowhere and told me it would be held for 180 days... I even agreed because there seemed like there was nothing that I could get done about the situation. After waiting the 180 days I was informed to wait another 180 days for investigation... I have been waiting for the investigation to be over and be able to use my money since XX/XX/2020 and Still nothing has come of my exhausting year and a few months trying on my own .... please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Synovus Bank
State: IN
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 filed a dispute currently the company was first progress. My score just went up saying the payment was made. I got my XXXX something points back. The next day my points dropped back down saying I'm more than 30 days late when I already paid them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
FCRA Violation personal information not mine XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX 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  FCRA Violation other loans not mine XXXX XXXX XXXX  FCRA Violation other loans payments never late XXXX XXXX XXXX  FCRA Violation auto loan not mine XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my CHASE account for months. I withdrew all the money in there so that my bank balance is XXXX. Then i went into the app and requested via their secure messaging service to close the account. After a few back and forth messages they eventually said the account was closed. However, I received no official confirmation of its closure and I realised that my account was still open. So I messaged them a few more times until they again said it was closed. Now on my online profile it no longer showed the account. But it was clear that the profile was still active and had not been closed. They said it was closed. 

However I am still receiving emails from Chase. Even today, I received an email from Chase saying that my online statement for my account is ready for viewing. If my account is closed, why would I be receiving such an email? 

It seems to me that Chase is trying to retain my account and refusing to close it properly. Chase has no right to keep all this and keep my data when i close the account. I do not want any association with the bank and I want the account properly closed, my profile deleted and all my private information deleted from Chase 's servers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-06-24
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:
I asked for in school deferment as I had two XXXX online courses - the one with XXXX was the only one I requested to be considered. Navient was slow in sending the forms after they agreed to send them in XXXX - the course ran from XX/XX/XXXX to XX/XX/XXXX. In XXXX they finally sent the forms which I promptly filled out and sent back to them. They have never responded about the disposition of my request, instead they continue to demand payment even as I have sent them a payment - {$50.00} XX/XX/XXXX - and am send another today, as I have agreed to do since XXXX. 
Now Navient is threatening Litigation with their legal network partner ( unnamed ).  XXXX XXXX - VP of XXXX XXXX XXXX appears to not recognize that I have agreed to continue making payments. This has become so typical of Navient 's total disregard for my responses, requests, and remittances. 
Furthermore, over the years there has been a complete unwillingness to provide year to date total of payments made. Their unwillingness to be transparent makes coming to any settlement, which they offered at a 90 % payback on approx. {$3600.00} is not possible for me at this time and is greatly beyond what most creditors would conisder a " mutually discomfortable '' arrangement. Attached below is a recent Navient notice XXXX XXXX, here 's a friendly reminder that your Monthly Payment is due soon. 

This is not a bill. 

Your Monthly Payment ( s ) for the private loan ( s ) listed below is due on XX/XX/XXXX: XXXX XXXX in the amount of {$390.00}. 

Please note that this email does not include all information depicted on your statement. We highly encourage you to review the entire document by logging in to your account, as it has additional pertinent information related to your loans. 

You can view and print your monthly billing statement ( s ) by accessing your inbox. 

Ways you can pay Online : The fastest way to make a payment is by visiting Navient.com. With our mobile site, it's easy to pay on your smartphone, too. 
By phone : Call us at XXXX. 

If you are enrolled in Auto Pay the amount shown on your statement will be debited from your designated bank account. 

We're here to help Visit us online or give us a call at XXXX, Monday - Thursday   XXXX XXXX to XXXX XXXX, and Friday XXXX XXXX to XXXX XXXX, ET. 

1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due. 

Please do not respond to this automated message. Emails sent to this address are not monitored. 

Privacy | Terms of Use 2018 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC . Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got my home insurance quote on XX/XX/XXXX and immediately got in touch with these guys to make sure the payment was sent promptly as it is due on XXXX as I've read the reviews on how slow Roundpoint is. Today XX/XX/XXXX the payment to the insurance company has not been sent although I have more than enough funds in my escrow and am paid up to XXXX. 
I've called about 9 times since then and all they tell me is that the payment would be sent soon but nothing. 

I even had the insurance agent call them and they said the same thing. 
I can not play with fire as I live in florida and homeowners insurance is not easy to find here. Hoping someone can help.

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 2019-07-19
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
i was garnished starting XXXX XXXX XXXX and i didnt receive notice of this until after i was already being garnished. they have been taking more than the allowable percentage from my pay checks. i went on short term XXXX from XX/XX/XXXX until XX/XX/XXXX and was still being garnished the maximum amount. upon my return to work i was and am currently still being garnished. while i was on short term XXXX i wasnt receiving an income because my illness has not yet been resolved. i was forced to return back to work because i was not getting paid, and still my illness has not yet been resolved

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 2022-12-29
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18. U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX I obtained a boat loan from XXXXSantander Bank. On XX/XX/XXXX, I sent Santander Bank a check for {$30000.00} to pay off loan this check was posted to my bank statement on XX/XX/XXXX. I received a letter from Santander Bank dated XX/XX/XXXX stated loan was paid in full. 

In XXXX of this year my Ex received a call asking me to call the bank. I did and was told I was a month overdue on my payment. I explained I had paid off this loan. The bank person looked at documents and found the paid off loan letter and told me she would correct the problem. On XX/XX/XXXX I received a letter from bank stating I was overdue {$590.00} on the balance of XXXX. This letter came about the time I had talked to the bank person. I did not respond. 

In early XX/XX/XXXX I got a message to call bank. I did and was told I now was 61 Days overdue on payment of {$1200.00}. I called bank on XX/XX/XXXX, I insisted I had received a letter saying loan was paid off. They stated there was a balance due and I needed to pay it. That evening I went through my files found the letter stating loan was closed. On XX/XX/XXXX I call customer service at bank to state I had my letter saying loan was paid off. Customer service could not find this loan. I was sent to loan person who sent me back to coustomer service who sent me back to a different loan dept who sent me back to coustomer service. No one could find the loan. I was advice to email Bank which I did I and received an electronic response. 

On XXXX XXXX I filed a complaint with OCC, case number XXXX. 

On XX/XX/XXXX I received a certified letter from bank stating I was overdue XXXX and if payment not received by XX/XX/XXXX my boat would be reposed. 

On XX/XX/XXXX I called bank. The bank representative told me they had received my payment of XXXX in XXXX and {$3500.00} had been reversed for probably insufficient funds.. That evening I dug through more files and found my bank statement indicating my statement had been posted a withdrawal in the amount of {$30000.00}. There was no insufficient funds. 

This has become crazy.

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
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX Navy Federal Credit Union failed to deposit every members pay and it was late by about 2 days. They said they would work hard to fix the issue and that it would not happen again. Now here on XX/XX/XXXX they are still not posting THOUSANDS of peoples pay on time including many active duty members. I think its an attempt to get time for whatever financial obligations they have. Some of us live on tight budgets. My rent was late and will be late again thanks to Navy Federal Credit Union. I will be leaving but please get mine and others money. Many people do not have their pay checks still.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: OH
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:
I disputed this account inaccurate account with XXXX XXXX and Equifax and after their re-investigation they marked the account as accurate even though there is a different persons name associated with the account and the name does not match the social security number associated with the account.

Company response to consumer: Closed with explanation