BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a customer of Ditect Financial LLC and I have a mortgage loan with the company. I have been regularly paying off my monthly bill without any delay every month. And I have been doing this through a standing instruction through my bank. In the month of XX/XX/XXXX, my premium increased by {$28.00} from a monthly payment of {$1600.00} because of an annual rate change.

Since I had set the payment method as automatic, my bank sent them the old amount of {$1600.00} which was short by {$28.00} in XX/XX/XXXX. As soon as I realized the problem, I made the additional payment of {$28.00} within 30 days. However, when I received by bill dated XX/XX/XXXX, I was slapped with a late charge of {$82.00}.

I called Ditect to explain the situation and requested them to waive the late charge since I thought it was unfairly high and more so because I have not defaulted before and that too it was a genuine oversight which I corrected immediately. They refused to comply stating that the fee was justified. I requested to talk to the supervisor who also declined my request.

I am being asked to pay a fee of {$82.00} for a late payment of {$28.00} by about 15 days.

Ditech seems to be engaging in unscrupulous and unfair means of collecting additional fees from its customers. I would like the situation to be rectified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: General Motors Financial Company, Inc.
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
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:
I turned in my leased vehicle early inXX/XX/XXXX. I returned it to the dealership where I leased it from -- XXXX XXXX  in XXXX, CA. The lease was turned in approximately 20 months early. I paid off the remaining payments owed on the lease to GM Financial -- the leasing company. At a rate of $ XXXX/month, the approximate lease payoff to turn the vehicle in early was {$2100.00}. I paid {$2200.00} to GM Financial as a payroll -- slightly overpaying to cover any small interest amounts that accrued.

Since then, I've attempted to get the lease fully settled and a refund of approximately {$30.00} issued to me. In XX/XX/XXXX, I called GM Financial and spoke with XXXX XXXX to request the small refund. XXXX advised me that a final bill wasn't generated yet however he would request one. He did however generate a letter for me saying I owed {$0.00} on the lease. I never heard anything from GM Financial since. Today, onXX/XX/XXXX, I called GM Financial again asking for a refund. They advised me there wasn't a refund due. I asked for a final bill showing how the {$2200.00} was applied, and they advised me that one wasn't generated yet. The representative on the phone advised they would request a new one however couldn't at all tell me how long that would take.

Lastly, I received a new car registration in the mail dated XX/XX/XXXX issued by the State of California. The document shows me still as the registered owner despite turning in this vehicle back in XX/XX/XXXX. It's clear to me that they still haven't updated DMV records to reflect them taking the car back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: R & R Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
R & R Collection agency Tried to tell me that I took a payday loan out on XX/XX/2014 did not provide me written information Did not provide me facts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After forwarding all the documents needed for my Dispute along with an official police Report with a UCC filing from the Secretary of state for Illinois showing there is no Debt Registered, these credit Bureaus still did not remove this from my file claiming the contacted the Bank and verified this account with no evidence to me which is against FDCPA Law and violates consumer protection law.

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 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Case Number : XXXX Amount : {$100.00} Capital One did not adjudicate my billing dispute properly, placed order with merchant, it was for a delivery of food, it is well known through a simple XXXX search that merchant treats the delivery drivers horribly, thus, leading to delivery drivers rushing in an attempt to make a living. As mentioned, in my original dispute submission, delivery driver XXXX was rushing and dropped the open bag of food on the outside sidewalk. The cheap flimsy containers opened up on the ground. 

Therefore, the delivery driver took the entire order back with him and advised me that he would cancel the order in the system. It is obvious that as a customer, I followed through and received verbal confirmation from the delivery driver who " represents the merchant ''. Obviously, the delivery driver isn't able to give me any type of a cancellation receipt as the merchant doesn't supply the delivery drivers with this and nor do they require it from the delivery drivers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to renew my Income Driven payment plan since XX/XX/2017. My income went from 19. hour to 14. hour I have called every month since the above date.

Every time I call I speak with a different person who insists that my account will be brought up-to-date That still has not happened.

I want someone to please help me with this problem I am having with the Navient Student loan agency.

Please let me know what I can do to become part of this class action suit.

My email address is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Back in XX/XX/2012 I co-signed a car for my ex wife. She began making late payments on the account two month later making the first day of delinquency XX/XX/2012. According to the Fair Credit reporting act the length of time that a collection account may remain on a consumer credit report is 7 years and 180 days from the 1st date of the delinquency. Therefore the account XXXX XXXX showing a balance of {$7600.00} needs to be removed. This creditor is not properly reporting all dates of delinquency preventing the delinquent report from being removed from my consumer report. Violating the 7 year Fair Credit act statue.

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 2020-01-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After complaining, to the corporate office, about his misconduct, First Citizens, XXXX, SC, manager, XXXX XXXX, closed my account-without warning. Bank has refused to return my funds, causing me great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/XXXX i had ongoing charges to my checking account via someone who had hacked my XXXX account which was linked to my bank and other financial institutions. The bank issues a new card and the charges continued. I assume they were able to get my online banking information. I filed a report with the fbi cyber crime website and contacted my bank to tell them this. The theif ended up taking XXXX from my account between XXXX XXXX and some other crypto currency websites that were unauthorized. The bank informed me yesterday that they will not be paying me back for those fraudulent charges. However they did pay me for XXXX that had been taken out 2 days before the XXXX was run through my account XXXX at a time for an entire day. How does that seem logical? No explanation what so ever they just flat out denied the charges.

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 2021-09-02
Company: Credit Corp Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a collection company, Credit Corp Solutions, issued on XX/XX/2021 for a debt of {$1400.00} whose original creditor is XXXX. I am positive that I do not owe that debt since I never made any purchase on XXXX credit and don't even have any bank account/credit card on my XXXX profile. And the XXXX account number shown on the collection letter doesn't match mine either. 
Just to make sure, I contacted XXXX and was told that I do not owe anything. So I suspect this is a case of stolen identity and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'VE BEEN TRYING FOR SEVERAL MONTHS TO GET MY DISPUTES COMPLETED WITH THE BUREAUS BUT IT SEEMS LIKE THEY ARE IGNORING MY REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'VE BEEN TRYING FOR SEVERAL MONTHS TO GET MY DISPUTES COMPLETED WITH THE BUREAUS BUT IT SEEMS LIKE THEY ARE IGNORING MY REQUESTS.

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 2020-05-14
Company: DISCOVER BANK
State: TX
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:
Open prepay Discover card It account to use online shopping. Received card and used the card online shopping. Received an email on phone from Discover Fraud Prevention Inquiry XXXX XXXX XX/XX/2020 please call 24hrs. Grab the laptop ( in case of bad email spammer ) and sign in acct. Account was not available and said " Call this number ''. Called the number and ask what was wrong. They did not have access to that acct and could not tell me what was wrong. Now I am concern and mad. I have no idea what was going on with acct and neither did they. I told them to close it and she said she could not do it. Hung up and called again and after being put on hold on and off the acct was closed. Then I was told I would have access to the acct since it was closed. My credit score would be lowered due to closing my acct because I received a fraud alert with 24 hour service ( email archived ) because someone pushed a button and went home. My account had no unauthorized charges and as far maybe an identity problem I have a bank acct, no debts and my house in my name paid for. Discover could have freeze the acct. and let me know to call in the morning and so many other professional options questioning the acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My first notification of being in collections was from a company called XXXX. I called XXXX XXXX after applying for an apartment and getting denied. This is when I found out it was in collections. The collections company is National Credit Systems. The issue is I have nothing in writing prior to the XXXX. They acquired my account on XX/XX/XXXX and claims to have mailed a letter to me. I do not have one and never received one. I have paid the balance but it is not reflected on the account not have I received a receipt. My credit card reflects the payment but nothing from them. The rep XXXX who " assisted '' me got very personal. She is offended if you ask a question, if you are intelligent, if you don't like how she is yelling at you, etc. She kept putting me on hold and asking about the other person on my rental application. How is it they have my rental application with non pertinent collection info on it???? I'm concerned about my data. I think they are holding my payment because of her attitude towards me. The supervisor XXXX was not helpful in correcting the behavior. I paid them more than 24-48 hours ago as of this complaint and still no receipt. The online account does not show the payment either. Have I been scammed. XXXX is no help, unaccountable and fake collections people there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A PREPAID DEBIT CARD WITH OUR OWN MONEY!!! WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! ****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR XXXX   prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! ****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been asking company to provide hipaa letter which by law is needed to collect medical debt and I also wasnt given a chance to pay the debt before placed on my credit report or given a payment plan which as to be offered before placed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: N26 Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today XX/XX/XXXX, around XXXX I was shopping with my N26 credit card which a product of XXXX XXXX and was shortly advised my card was declined. I proceeded to contact the bank via email, chat as well as over the phone. All communication platforms I was being hung up on over the phone, chats were ended and I was on hold and then told " we can not assist you at this time, and have no information for you. '' the total amount in this account is {$2700.00} XXXX. I do receive small deposits into this account. I learned later that my telephone number was blocked and general message populated which stated " We can not assist you, wait for us to contact you '' and the line disconnected again. I did do some research Online with this bank and found out under their XXXX accounts that there are hundreds of the exact consumer complaints of their accounts being frozen and never seeing their money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received calls from so-called Discover card saying they are offering me a discounted interest rate on my Discover card. I do not have A Discover card and Ive asked to be removed from the list but they keep calling. 

Calling from number XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report XXXX XXXX {$1400.00} XXXX XXXX {$770.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX  {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$250.00}

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 2020-05-13
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2020 I received a XXXX interest balance transfer offer from XXXX ( XXXX XXXX XXXX XXXX ) Visa. I called XXXX and asked them to transfer {$4600.00} to my PAYPAL Credit Card. 

XXXX said they had to mail them a check for this payment. They mailed the check to the incorrect address at PAYPAL in XXXX, GA when it was supposed to go to Florida. XXXX, GA cashed the check, but did not apply it to my account. This was on XX/XX/2020. I believe this may have been the Paypal Division and not the credit card company. 

XX/XX/2020 I called XXXX and they informed me that PAYPAL had cashed the check. I then contacted PAYPAL to ask why it wasn't applied. PAYPAL said they had lost the check. They then found it and paid off my account. At that time I had a credit balance of approximately {$170.00} when I viewed it online. 

On XX/XX/2020 I received a statement online from PAYPAL which shows that they have removed the check from XXXX and that I still owe them. 

I called Paypal Credit to ask them why my payment has been taken off. I was told that there was a problem and that I needed to write them a letter asking them to apply the check. I then called back later to get the address for this letter and was told by someone else that the check had been returned to XXXX XXXX XXXX XXXX. 

Today, XX/XX/2020 I called XXXX and spoke with XXXX. He said that they have not received any checks back from Paypal Credit and their records show the check as cashed on XX/XX/2020. He was appalled on the responses we have gotten from Paypal Credit to this situation. 

I called Paypal Credit back again and was told them what had transpired and was told that it will take 30 days to rectify the situation. 

I need this account paid off in full immediately. I am in the process of buying a home and this is showing a negative effect on my credit. Currently I am owing XXXX for paying off this Paypal Credit Account as well as Paypal Credit refusing to apply it and retaining my balance plus accumulating interest.

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