BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan started out to be {$32000.00} with XXXX in XX/XX/XXXX. My loan was transferred to Navient several years ago. However, even though I have made payments, the amount I owe now is {$41000.00}. I did request a forbearance, and did not start making payments until XX/XX/XXXX. However, that is still eight years of payments, with the amount I owe continually going up. I work for the XXXX XXXX, so if I had known about loan forgiveness after making payments for 10 years, I would have done so. I have also been confused how Navient applies my payments. Apparently, Navient charges interest on a daily basis which is why myself and others like me can not make a dent in the actual amount of the loan. I recently started making additional payments, but it does not seem to make much of a difference. Today, I contacted Navient, and I requested to have the amount I pay over the loan payment to be applied towards my principal. I was told that I could not do that, that Navient pays the interest first, and then applies anything else to principal. This is when Navient informed me that I am charged interest on a daily basis. I believe it is illegal for Navient to tell me that I can not apply my overpayment to my principal. For reference, my loan # XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 used my Capital One XXXX card to guarantee 2 hotel rooms for XXXX XXXX XXXX XXXX on XXXX   for the nights of XX/XX/XXXX & XX/XX/2018. The price for these rooms was XXXX euros.

However, my friend, who was in the room with the king sized bed, was to make payment for both rooms for both nights. In fact, I was standing at the desk when he told the clerk to use his card to make the payment for both rooms. He has since checked his credit card statement and he was charged for the two rooms for both nights. I sent proof of this to Capital One 's transaction dispute department in the form of the statement from my friend 's credit card. He was charged a total of XXXX   euros because he had an additional XXXX euros worth of bar charges and for items from the mini fridge in his room.

I contacted Capital One on XX/XX/XXXX to let them know about this. Since my first contact with them I have been required to send proof FOUR TIMES that the rooms were already paid by my friend. Initially they credited my account for both nights advising me to keep all records on hand for 90 days until the hotel had a chance to respond.

I received notification from Capital One on XXXX XXXX stating that the hotel had sent proof verifying that the charges were correct. Mind you, this is outside of the 90 day window for the hotel to respond. The " proof '' they sent was a copy of my credit card receipt signed with my friend 's name. However ; it is not my signature nor that of my friend as he had already paid for the rooms with his XXXX XXXX. I sent Capital One copies of my signature and his to show that it was not either of our signatures on the receipt. Not to mention they received copies of his credit card statement four times prior showing that the rooms were paid.

If the charges were correct, then why is Capital One only making me pay for one of the nights for one of the rooms and not for all of the rooms for all of the nights? Why did they give me a statement credit for one night for one room, but are insisting I owe for the other room? I also asked for assistance in what to do about someone fraudulently signing my card and the case manager simply stated that the matter is closed as far as she is concerned.

I will close my account with Capital One and advise others not to use them. Why would I want any of their credit cards if they don't have my back when a merchant is attempting to steal from me?

What's in your wallet? I hope it's not Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22
Company: CCS Financial Services, Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was paid with the understanding that it would be removed. It is still reporting on my credit report. I have taken care my part of the bargain and they have not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and  they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I would like to close my account I went to capital one and Ive been banking with them for a couple of months now I got some money sent to me in my account for my business in capital one is holding my money will not let me deposit anything for XXXX months now I would like capital one to close my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
I contacted Equifax on XX/XX/XXXX and made them aware of an inquiry on my credit report that I did not authorize and is a result of fraud. The inquiry and date is XXXX XXXX on XX/XX/XXXX. I have an active fraud alert on my consumer report with XXXX  and I extended it for another 90 days in attempt to prevent any further fraudulent activity. Equifax also has a copy of a police report on file from the related incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: DISCOVER BANK
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i get daily and repeated calls from discover card even though i asked to to stop calling my work place ... they call at least 3 times a day. i have gone into debt consolidation with the slate group and they have also been contacted by slate to let them know about my debt settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase Bank hit my account with a " removing CTC Chase 21 Day Overdraft Assistance from XXXX '' fee iao : {$110.00} today. This has now overdrawn my account. 
On XX/XX/XXXX, the government deposited a {$250.00} child tax credit, they CLAIM this " FEE '' was a " draw '' given to me to cover the " insufficient funds fees '' - THEY WRONGLY charged me during those dates. I had called and complained and they REVERSED THOSE FUNDS. NO ONE told me about ANY {$110.00} CREDIT or ANY kind of 21 day policy of taking this CREDIT BACK that I didn't ASK FOR. I asked for my OVERDRAFT FEES to be reversed because I had transferred money from my other account and shouldn't have been charged overdraft fees to begin with!!!! 

I spoke to a " manager '' today and asked to speak to her " manager '' and was put on hold and then hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy continues to report on my credit file. Please remove. In my last dispute you said that you my bankruptcy was verified. what was your method of verification? The court said they do not release information the credit reporting agencies. please remove this bankruptcy because it was verified and the time is past due.

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 2018-11-27
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In 2017 I opened a credit card with Navy Federay Credit union. The advertise a program for Senior enlisted Military personel where your transfer balances are intrest free for a year an purchases are intrest free for 6 months. I never checked behind Navy Federal to ensure that this was completed because Navy Federal is normally on point. It wasnt until it was brought to my attention by a Navy Federal loan representative after applying for a loan that I was not receiving my benefits. The representative immediately had me provide documentation of my rank an submitted the paperwork to have my account credited back the intrest I was charged. Navy federalcrefit card back office denied the claim an stated that since it had been over a year since the mistake they will not do anything an claimed that I opened the account online, when I spoke with a representative to open account because at the time, navy federal had allowed my exhusband had fraudulently added me on his account an we were fixing it on line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I had a flood loss on my mobile home in which several things were damaged or broken. My insurance company was called and they sent me a check to repair and replace all that myself and son lost. The check ( {$22000.00} ) was made out to myself and 21st Mortgage my mortgage company. I called them and they told me to sign the check and send it to them to sign and they would give me the money to fix everything. When I called a couple of weeks later they told me because I was a month behind on my mortgage they would not send me the money. They then told me that If I got my mortgage straight that they would send me the money. I told them that I dont have the money to fix all of these things like my A/C and they told me to get a quote, their contractors license, their tax information, and their insurance number, to get a check issued to them. All information was sent to them on XX/XX/XXXX directly from the A/C company. I called every other day until I finally received a check over a month later. I had to beg, and cry to get it and remind them that I have a XXXX son in this Georgia heat. I have since then sent in all the papers for the duct work and insulation to be replaced first attempt XX/XX/XXXX and never received a check. I called to check on what was the hold up and they agreed that they had the papers, however now they want photos of the A/C. That was done and two weeks later they call me and say that all the paperwork is now out of date! Well ya thats because it took them 10 months to even look at the papers. So now Ive got to do it all over. I also got money for steps and I am to get them from a mobile home supplier, however, the supplier does not have a contractors license, and ask them for their insurance info. The mortgage company told me to pay for them myself and they would reinemburse me? I dont have the money to start with much less trust them to even give me the money back. 

Please help me, my steps are so unsafe for my XXXX son and now my floor is rotting because of the condensation from the duct lines with no insulation for two years. Im sure that my insurance will not cover it being that they gave me the money to fix what is causing the damage two years ago, I just want my things the way they were, nothing more, and if there is anything left over the mortgage company can have it. They have already had {$15000.00} for over two years now and they keep the interest. Ive been in this house for over 19 years, my mortgage is up to date. Help me to get the money they have wrongly taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XXXX, I lease an XXXX XXXX and the financing for the lease was through XXXX XXXX XXXX. In XX/XX/XXXX, I traded-in the XXXX and started a new lease for a XXXX XXXX XXXX. The paperwork was finalized and I owed nothing on the lease and only owed my first month payment at signing. The paperwork was finalized and XXXX XXXX XXXX took back the XXXX XXXX XXXX. The first week of XX/XX/XXXX, I received a notice that my XXXX XXXX payment was late. This car had been purchased back by XXXX XXXX XXXX several weeks earlier in exchange for my new lease XXXX XXXX. I tell XXXX XXXX XXXX the situation and they state that XXXX XXXX XXXX in XXXX Texas has not sent them the payoff. They have had the car for about a month at this point and I have no possession and have traded it back to them via all paperwork that was signed XX/XX/XXXX when XXXX XXXX was purchased. XXXX XXXX XXXX in XXXX Texas tells me that they are backed up getting the payoff information to XXXX XXXX XXXX. I ask them if this will be reported to the Credit Bureaus. I can not get a confirmation that this will not be reported to the bureaus since I do not own the car any longer and XXXX XXXX XXXX is slow to get the payoff to XXXX XXXX I continue to get late notices from XXXX XXXX XXXX even though I have told them XXXX XXXX XXXX has possession of the vehicle and I traded it back to them with the purchase of my new vehicle. I am now in the process of trying to figure out if the late payments have been reported to the Credit Bureaus and to dispute the information if necessary. Due to XXXX XXXX XXXX 's negligence my credit history my be at risk. This is an issue that others considering lease financing and working with XXXX XXXX XXXX XXXX need to be aware of in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern. Chime closed my account on XX/XX/2021 account for what they are saying suspicious activity. Without even warning me.They then ask me to send proof of documents that can solve this matter. I then sent them everything they ask for and they still closed my account. I had over XXXX an my account an I have yet to see a refund, a check, or anything. They told me they will send my money back to the original sender which they never did. I reached out to several emails regarding my refund.They send you automatic emails saying the same thing.That they can not disclosed why they closed my account. You can not speak to anyone once your account is locked or closed.Thats how I know they are taking/stealing peoples money. I am trying to get help on returning my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
On XX/XX/2021, I visited an XXXX store in XXXX, New Jersey. I was interested in financing the purchase of a new XXXX. I submitted an application, however, the application was declined. I received an email from the bank informing me that there was unsatisfactory experience with a creditor. upon checking my XXXX XXXX report, I have noticed that there are a total of XXXX negative marks on my credit file. I submitted a complaint against XXXX XXXX for an accurate information. On XX/XX/XXXX, I spoke with a representative from the bank, who informed me that XXXX held the specific information, and that I would need to deal with them. I again reviewed the information contained in my XXXX XXXXXXXX file for XXXX and found no negative information. As a consumer, it is very disheartening to find out that there is information being hidden from me, and is causing me to be declined for credit. on previous occasions, I have asked each of the credit bureaus to provide evidence of a valid negative XXXX, to which they have either not responded, or simply not provided the requested information. as a consumer, it is extremely frustrating to know that I have to continuously pay for credit monitoring services, or the ability to receive my credit report, in order to receive all information. The credit bureaus claim that I have the right to know what information is in my credit file, so why is information being hidden from me, or being placed behind a pay wall. According to my XXXX XXXX file, I have no late payments with any financial institution. I have a 100 % on time payment history with all of my creditors.

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 2020-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The money in the estate account that I controlled was removed with XXXX fraudulent checks between XXXX and XXXXXXXX XXXX because the XXXX fraud protection had collapsed. There were many indicators that the checks were fraud but due to XXXX 's carelessness they made unauthorized payments to XXXX XXXX. The XXXX resolution after the initial dispute process was that one check would be given credit and the other checks were denied because of bank policy. The care management team is for the care of XXXX and not the customer. That is why I am reaching out to the Consumer Financial Protection Bureau for help because they are not operation fairly. The important issue is that all the money in my account was stolen while it was in their care. I was trusting them to keep it safe. There was a crime and the law was broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/2021, I visited an XXXX store in XXXX, New Jersey. I was interested in financing the purchase of a new XXXX. I submitted an application, however, the application was declined. I received an email from the bank informing me that there was unsatisfactory experience with a creditor. upon checking my XXXX XXXX report, I have noticed that there are a total of XXXX negative marks on my credit file. I submitted a complaint against XXXX XXXX  for an accurate information. On XX/XX/XXXX, I spoke with a representative from the bank, who informed me that Equifax held the specific information, and that I would need to deal with them. I again reviewed the information contained in my XXXX XXXX  file for Equifax, and found no negative information. As a consumer, it is very disheartening to find out that there is information being hidden from me, and is causing me to be declined for credit. on previous occasions, I have asked each of the credit bureaus to provide evidence of a valid negative death, to which they have either not responded, or simply not provided the requested information. as a consumer, it is extremely frustrating to know that I have to continuously pay for credit monitoring services, or the ability to receive my credit report, in order to receive all information. The credit bureaus claim that I have the right to know what information is in my credit file, so why is information being hidden from me, or being placed behind a pay wall. According to my XXXX XXXX file, I have no late payments with any financial institution. I have a 100 % on time payment history with all of my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I tried to open a back account for my sister ( she is XXXX, XXXX  and XXXX   XXXX ) and on XX/XX/XXXX and on XXXX XXXX received a letter from Chase bank that XXXX  saying they could not verify her identity. The application had her social security and home address. She will NEVERnave a credit report and what does that have to do with opening a checking account.

Company response to consumer: Closed with explanation