BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We have unathorized chargebacks for the amounts of {$1000.00}, {$1900.00} and {$900.00} done to our PayPal Account Transaction IDs : XXXX XXXX XXXX We received these amounts from XXXX XXXX as a payment for renting our house. After the guest left and we payed back the security deposit, we received an email from Paypal that these transactions were unauthorized and charged them back. Paypal did not provide any evidence, justification or dispute letter to justify their one sided decision. They did not request our response to any dispute about these payments and simply withdrew the money. 

We tried to call and email multiple times and sent email to paypal XXXX with evidence of a rental agreement with the amounts that proves that these payments were correct. We did not receive any reply or response. When calling paypal customer service we got different answers from agents. One agent said was that the funds will be refunded, but we never got them back. Then we called again and another agent said that the case is closed. 

Despite the fact that we provided evidence of the rental agreement, payment that were issued, photos of the person staying in our house, details of the deposit refund and more, we have not received back the amounts, nor we got any response or explanation of the chargeback except for the initial " unauthorized transaction '' notification. Paypal has no right to chargeback money without requesting a response from the account holder and then ignoring our emails, or provide wrong and contradictory explanations on the phone. 

There must be a clear procedure of discussing payment disputes, if there were such, with the person who received the payments. The " unauthorized transaction '' decision that was done without requesting any response or give us a chance to contest it is outrageous and illegal. We can prove that the funds were received according to an agreement and we demand to be refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: WELLS FARGO & COMPANY
State: SC
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:
Name : XXXX XXXX XXXX Wells Fargo breached duty of care. 

XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION ; PER Wells Fargo MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { WELLS FARGO } { ac # XXXX } { Remove negative and late reporting information from all records from Wells Fargo HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results

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 2018-08-24
Company: Federated Capital Corporation
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I received an Income Execution letter from Federated Capital Corporation. I immediately took it to a lawyer because I wasn't aware I had any outstanding debt. The paperwork didn't identify what the original debt was for. The lawyer sent a certified letter stating that I have reason to believe I am not liable for the alleged debt and to cease collections until the judgement is verified. 

In XXXX they started garnishing my paycheck for the judgment. When I asked the lawyer what happened, I was told the Collector sent proof of an Affidavit of Service to my daughter in XX/XX/XXXX! I don't remember receiving anything from my daughter and she can't remember from 5 years ago either. 

I bought a home in XX/XX/XXXX and there weren't any judgments on my credit report. I currently have excellent credit. I've been told that my only opportunity to dispute the judgement was in XX/XX/XXXX. Since I didn't, the Collector won by default. I think that's crazy! 

They waited 5 years to start garnishing my wages to claim even more money for interest. The judgement is for {$17000.00} and they are taking 10 % of every paycheck. I should have a right to dispute this at any time, especially since it's bogus. 

Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: ALLY FINANCIAL INC.
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: Investigation took more than 30 days

Complaint:
XX/XX/2019 I was denied credit by Ally Bank due to XXXX , XXXX credit reporting. 
However, I did purchase the vehicle finance by another Bank. XXXX , XXXX is not a legitimate Credit Reporting Company and should be prevented from access to personal financial information.

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 2018-11-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient began Harassing me and my Father on XX/XX/XXXX with phone calls. 
Navient claimed that a payment for {$92.00} was late. Payment actually arrived on XX/XX/XXXX and XXXX XXXX of Navient confirmed receipt at XXXX XXXX  on XX/XX/XXXX. 
Received another call on XXXX from Navient Robot stating payment was still late. 
Called staff at Navient and spoke with XXXX at XXXX XXXX onXX/XX/XXXX 
He was not sure why me and my Dad were still being Harassed by Navient. 
XXXX Stated that account should all be up to date by XX/XX/XXXX. 
On XX/XX/XXXX My Dad an I each received harassing phone calls and also email messages saying payment was late. Navient is completely incompetent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2018 : I submitted account inquiry to know about the details of minimum balance requirements and procedure to terminate my account and withdraw all my money, so that I do not incur fee for low balance. 

XX/XX/2018 : I checked Chase secure messages to take action but my account was already closed and I had lost all my transaction history and remaining balance. 

XX/XX/2018 : An undelivered check resulted in a debit to my account but I lost the funds because Chase had already closed my account. 

I sent request to transfer money electronically to my husband 's account and the bank refused and asked me to go to physical bank location to resolve it. 

I had submitted inquiry for closing the account so that I could take the necessary action and I did not get enough time to decide where and how do I want to withdraw my balance. 

I'm traveling and can not deal with physical checks or go to physical bank location. I do not have USA phone number to communicate with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, I m having a hard time with XXXX and Experian removing these late payments. XXXX XXXX already removed 6 late payment from the XXXX XXXX XXXX  on my report. please help me get this removed.

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 2023-02-07
Company: EQUIFAX, INC.
State: PA
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:
I suspect fraudulent hard inquiries on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The inquiries are listed below. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Klarna AB
State: CA
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:
On XX/XX/2019 I received a notification from my credit card company that a hard inquiry was done on my credit report. I have not authorized this company to pull my credit. I do not recognize this company. 
Klarna/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EdFinancial Services
State: WA
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:
Prior to attending a certificate program that allowed me to defer my loans, my monthly payments were {$550.00}. 

I just finished my program and when I set up XXXX to make sure my payment would be made electronically every month, I noticed that the payment amount was only {$490.00} and some change. 

There was no explanation. I was never informed. This would result in greater interest being charged over the life of the loan. A lot more interest. This seems unethical at best and is most certainly deceptive. 

Further, when I previously had XXXX set up, it would only charge the amount I authorized. But now the form implies the amount can change. Since I can't negotiate the terms, this seems problematic at best. 

Finally, I was forced to accept the terms and conditions with no ability to negotiate those terms. Since I don't have a choice in repaying my loans, to be forced to agree to terms and conditions seems yes you guessed it problematic ( proper punctuation omitted on purpose for effect ). 

I have spent years dealing with student loan lenders. It never gets better. It only gets worse. At the very least I should have had a choice in the lower payment amount and been informed of the consequences. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent {$80.00} through XXXX on XX/XX/2022 for an application fee that never got done. It was sent to their XXXX ( XXXX ) named XXXX XXXX. Their phone number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
Never open up a XXXX XXXX XXXX XXXX from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account # on my credit report is 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 2018-11-09
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX and XXXX both intimated a hard inquiry of my Experian credit report. I have no credit with either company, and did not authorize these. These were done without my consent. Please 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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX IS STILL PULLING PROMO INQUIRIES FROM TRANSUNION/XXXX CREDIT REPORTS FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX CREDIT PROFILES.

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 2018-06-19
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX After one year, after two incidents of identity theft/fraud, unemployment, and a financial crisis, I was unable to maintain a excellent credit ratingwith XXXXXXXX XXXX XXXX. I informed XXXX XXXXXXXX XXXX and sent XXXXXXXX XXXX XXXX XXXXXXXX a letter in XXXX, XXXX and I received a response letter from XXXX on XX/XX/XXXX which was unacceptable. XXXXXXXX XXXX response to my letter to close my credit account had no regard to the identity theft/fraud which occurred on my account ( began XX/XX/XXXX ) after I had pre-scheduled payments to settle/payoff my XXXX credit card. 

More importantly, I have tried through numerous phone calls to Department Store XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX to pay-off/close the XXXX credit card account by requesting another settlement offer in lieu of the previous settlement offer that failed, no fault of my own. NO RESOLUTION. 

Further, I am a XXXX senior citizen on a fixed monthly income, I requested if XXXX would consider another settlement offer of less than the full balance, excluding interest and fees that had been charged to my credit card account. Listed below are the complaints I filed with the New York XXXX XXXX XXXX which has been unsuccessful in resolving this matter. I have not spoken with the New York XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX, Telephone : ( XXXX ) XXXX, XXXX since I filed the complaints. I have received these email correspondence from XXXX XXXX. I can forward/fax a copy of these emails separately ( provide me your email/fax number ) because I am not able to upload these emails as attachments to include in my complaint. 

Dates : Time : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Because of this exisiting delinquent XXXX credit account with no resolution to settle it, my excellent credit report ratings ( opening the account XXXX ) and Fica scores from all three bureaus XXXX, XXXX, and XXXX are extremely poor ... .continuous XXXX unfit for me to apply/receive future credit.

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 2018-11-09
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my cell, my work and my mother! They have called me before XXXX XXXX  at least twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: NCB Management Services Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent a letter requesting documents to NCB management after disputing with all 3 reporting agencies and having the account reflect differently on each account but never received a response. NCB received the letter on XX/XX/2020, and I have still not gotten a response however they continue to verify the account with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I took out a XXXX Tuition Answer Loan with Sallie Mae ( now Navient ) to help pay for my daughter 's college education. At the time she was attending XXXX XXXX XXXXXXXX University. The loan was disbursed on XX/XX/XXXX in the amount of XXXX. 
I did not have a clear understanding of the repayment options on this loan and the university apparently disbursed the monies to my daughter as she used part of the money to buy a car! A year later when my daughter was no longer attending college, I received notice that I would have to start repaying the loan. As I was under the impression that these loans would not mature until after she graduated 4 years later ( she actually NEVER graduated ) I was not in a position to start making the payments. When I called to discuss the potential of an easier repayment schedule I was advised that a deferment was my only option. I had the loan deferred several times from early XXXX off and on through early XXXX. From XX/XX/XXXX through XX/XX/XXXX, Sallie Mae added XXXX in capitalized interest to the principal balance of the loan. It was never explained to me that this would happen while the loan was in forbearance. Over the next 10 years, I made regular payments. To date, 118 full payments to be exact. The statements from Navient always show different ways of applying the payments to principal and interest with no rhyme, reason or explanation. To date, my balance remains at XXXX. How can this possibly be? I have paid XXXX to Navient to date and that means that in over 10 years of making payments only XXXX was applied to the principal balance and XXXX has been INTEREST ONLY!!!! 
According to my statements, I will be making payments until XXXX on this loan before it is paid off. I believe that I am being stolen from- this has to be fraudulent practice and I would like to know how I can proceed with getting this abomination discharged. I understand there is a class action lawsuit against Navient for these unfair, unexplained practices. Please advise how I can get help getting this loan discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the third complaint I have filed against Amerihome Mortgage. 

The two previous complains are : XXXX XXXX A summary of the previous problem : Amerihome mortgage did not renew our insurance policy and let it lapse due to internal error. They did not notice for well over a year when I brought the issue to their attention. After my CFPB complaints, their remedy was to place back insurance on our account at no cost to us ( because we had a gap in insurance history which made us uninsurable ) and to apply new insurance on our home of equal value moving forward. They would find insurance OF EQUAL VALUE to apply to our home, and cover any additional costs over our original premium. 

The new problem : Once again, Amerihome Mortgage did not act in good faith. They have been dishonest throughout this entire experience. The new insurance claim that they bought for our home ( which we had no say in ) was not of equal value to our insurance. In fact, they chose to add an optional rider to the policy to make it cheaper for themselves ( because they had to pay any amount over our original policy ). This optional rider makes it so that our insurance does not cover water damage from plumbing or appliance leaks. Our old policy DID cover water damage. This rider is OPTIONAL in my county. Amerihome decided to add it only to save themselves money over our safety. 

We were not asked about this rider, nor asked if we wanted it included in our policy. Because of their promises, we thought we were getting the exact same level of insurance we purchased previously. 

Well, our AC or Slab now has a leak, and has caused tens of thousands of dollars worth of damage to our floors and baseboards. Because of Amerihome 's decision to skirt the CFPB 's ruling, we are not covered to have any of this damage replaced and must now pay out of pocket for the repairs. We do not have the money to do this, and the mold/bacteria is getting worse every day. It will be MUCH worse after we loose power from Hurricane Dorian and will not have AC to cool the home for an undetermined amount of time. My family will have health issues from this problem. 

How many times must Amerihome step on our necks before full reparations are made and they are held accountable?

Company response to consumer: Closed with explanation