BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have graduated in 2010 and have struggle finding a career in my field for XXXX XXXX. I owe alittle above $ 40K in loans and I struggled for 8 years trying to figure a better system. Defer and Forb doesn't work in my favor. I have a XXXX XXXX XXXX for nothing when graduating. 

Interest occurs when trying to pay as much as I can. I get garnishment and it sucks not able to achieve living a life being poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Revenue Enterprises, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collections letter from Revenue Enterprises regarding alleged medical debt, debt not mine has not been substantiated or verified despite attempts to get this debt verified, substantiated etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Have my VA mortgage with banco popular and my homeowners insurance with XXXX.The premium is paid out of the mortgage escrow account.I have had XXXX  insured the property for several years.Last month I attempted to claim damages from tropical storm Laura they informed me that my coverage had been canceled on XXXX banco Popular and they informed that policy XXXX was in force through XXXX of XXXX called XXXX and told them that the bank informed me that the insurance was active.When I informed them of the policy # XXXX  XXXX, I was told that policy had been canceled in XXXX of this year.Troubling fact of this endless scenario is that in the XXXX century we have email and mobile phones and neither of these devices were due by the mortgage server or XXXX  to inform me of the great perils I was facing.I a XXXX XXXX  veteran who served with the XXXX.I struggle with XXXX but attempt to live a normal and productive live.Please help I have been railroaded believe by both companies.Also believe I have over paid my insurance through both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2020-04-28
Company: Paypal Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
1.Paypal/ XXXX bases decisions for approval for the Paycheck protection program ( CAREs ACT ) on personal credit even though the Act, SPECIFICALLY does not allow for this. 

2. PayPal / XXXX  Initaially denied ALL applications for businesses applying for PPP program based on their income, lower income business requesting lower price loan generate less fees for PayPal so they denied these low profit margin loans initially automatically only minutes after application 3.payaplXXXX XXXX made no good faith assessment whether the client is acceptable to apply under the program and failed to check the identity and credit worthiness Of applicants under the PPP program. Misleading denial letters and false Information supplies by PayPal indicates they processed applications as required by law when they infact DID NOT, and merely sent denial letters for a variety of reason such as unable to verify identity, credit score too low, and many other baseless reasons I applied for the PPP program with PayPal however they immediately kick back my application and send me a denial letter. They are screening loans based on the price they would make and also using personal credit as a basis for decision ( which is expressway forbidden by the CARES act ), and when those two methods fail they simply state they couldnt verify your identity or your document is incomplete. This is a pattern of favoritism and discrimination against lower income loan applicants to a program which is federally funded and guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates is attempting to collect a debt from XXXX & XXXX XXXX. The debt is not valid. I've repeatedly requested a XXXX XXXX XXXX from Wakefield & Associates. They refuse. Additionally, I have already responded to XXXX via letter disputing the alleged debt. 

I hired XXXX & XXXX XXXX to collect my trash. They didn't show up 3 weeks in a row, so XXXX investigated & returned my stolen money to me. XXXX & XXXX then rebilled me for the exact same amount I was just found not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was wrongly charged by a merchant to my Chase Visa Credit card in the amount of {$5000.00}. When I realized about the issue, I contacted both the merchant ( XXXX XXXX XXXX ) and Chase at the same time. At first, Chase gave me a conditional credit of {$5000.00} while waiting for the merchant to respond. However, since I contacted the merchant at the same time I contacted Chase, the merchant did realize the error and refunded me {$5000.00}. So, between me and the merchant, the problem was resolved as there was no charge to either party. Chase, instead, realized both the conditional credit they gave me and at the same time the merchant did the refund credit on their own, so I had 2 credits at the same time. Chase should have removed their conditional credit upon receipt of the merchant 's refund credit. Instead, Chase removed both credits and told me I still owed the merchant {$5000.00} which is ridiculous and irresponsible. Chase should protect its client and must know its client has never used the card for an amount that is over {$1000.00} in a single purchase. Chase does not want to do its job and to check, verify, monitor, and protect its customer which is a sad thing. Again, its customer is a XXXX XXXX XXXX XXXX veteran. Many thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: 21ST MORTGAGE CORP.
State: MI
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:
in 2017, goin thru a divorce, divorce decree signed by judge stated that ex spose was to sell house or refinance within a year and hold me harmless, that didnt happen, forclosure se sent it to,,, i cant get help getting it off my report.. its her responsibilty and action for this mess ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, 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 2021-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 had noticed on my XXXX  credit report that on two of my Capital One, credit accounts the payments were being falsely reported 30,60,90 days late. 
I filed a complaint with XXXX  0n XX/XX/XXXX, and they processed the complaint to Capital One. 
Capital One response stated that there original reporting was accurate and that they were not going to make any adjustments. 
On XX/XX/XXXX I started to use XXXX XXXX, a credit managing company that were making all of my credit card payments religiously. Even after presenting blatant proof of the payment report from XXXX XXXX, showing that all of the payments were made on time from XXXX through XX/XX/XXXX, Capital One and XXXX  refused to make the proper adjustments. 
These fraudulent acts has damaged my credit score for years! 
On one account : It shows from XX/XX/XXXX - XX/XX/XXXX, 30,60,60,60 days late, all false. 
On the other account : From XX/XX/XXXX - XX/XX/XXXX, 60,90,90,90,90,90,90,90.90,90 days late, all false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX hired Hayt and Hayt & Landau to collect a debt for web bank I have never heard of 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 2017-06-29
Company: Experian Information Solutions Inc.
State: MI
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 have sent numerous disputes but the company never replies to me nor remove these itsms

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 2019-06-26
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I did an instant transfer from my Paypal account to my checking account in the amount of {$140.00} on XX/XX/2019 at XXXX XXXX CST. PayPal assessed a 1 % ( {$1.00} ) out of the {$140.00} transfer, so the actual amount going to my local bank account was {$130.00}. I received an email from PayPal at XXXX XXXX CST on XX/XX/2019 staying the below : - - - - - - - - - You transferred money to your bank You transferred {$130.00} USD to your XXXX XXXX, XXXX. You used the Instant Transfer option, so the money should be in your bank account and available now. 
Transfer details Transaction ID : XXXX XX/XX/2019 Total amount transferred {$130.00} USD Fee {$1.00} USD - - - - - - - - - It is now XXXX XXXX CST on XX/XX/2019 and the money has not hit my bank account. I have spoken to banks transfer department and have been advised there is not a pending payment on my account nor is there anything blocking it from coming to my account. 

I have spoken with XXXX, a manager, at PayPal and he advised me that this is going to take 3-5 days and that this is a federally regulated. PayPal charged a 1 % fee for a service that has not been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10
Company: EQUIFAX, 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:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: AES/PHEAA
State: NM
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:
I have been making payments towards my student loan under and income based repayment plan in an effort to qualify for the student loan forgiveness program. I would be finish with my 120 payments or close to it however Fed loan servicing is now telling me half of my payments did not qualify under the 120 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was notified that effective XX/XX/XXXX the servicing rights to my mortgage would be transferred to XXXX XXXX. Upon receiving the letter I called Chase Bank ( XXXX ) and requested my mortgage document so I could see exactly what disclosures I signed In the loan documents I was provided on XX/XX/XXXX via email from Chase, it did not include any authorization for the bank to sell the servicing rights of the mortgage. I will state that it appears the documents I was provided is not all inclusive of what I actually signed I am requesting a copy of my full mortgage file with any documents that I signed during the closing process. 

Regardless of whether I signed a disclosure outlining that Chase Bank may sell the servicing rights, my primary concern is with the fact that the sale of the rights discontinues my ability to participate in the 1 % Mortgage Cash Back program. Given the remaining term on my mortgage, this is around a {$3000.00} loss to me over the life of the loan. At the time, this was a significant selling point when comparing mortgage products from different financial institutions, as a result of this benefit I opted to obtain a mortgage with Chase Bank. 

It appears this promotion was deceptive and misleading as it was never disclosed nor discussed during the loan process that since Chase Bank has the ability to sell your mortgage at any time, that the promotion may be only available to the customer for a limited period of time. In addition, itd be interesting to know how many loans that operate under this promotion have been sold since its been discontinued as this could have been as strategic yet deceptive and potentially unlawful practice decision made by senior management in the bank to drive loan growth. For example, any bank could offer a benefit such as this which would drive additional loan growth but then having the ability to sell those loans and eliminate any further liability from the promotion. 

Due to rising rates and the cost of refinancing, it would be extremely costly to take my business elsewhere so as a result of this deceptive promotion I am now at a financial disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: GREAT LAKES
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2002 I was called by a company stating that they were Greatlakes, ( Greatlakes told me it was not them ), stating that if I paid XXXX dollars that it would be put towards my student loans and paying them of, and from there the loans will go into a forgiveness act that I may go back to school if I needed. I spoke with Greatlakes today and they stated that this was a private company who charged me for paperwork to do what I could do myself which is consolidate my loans. They did not help with the problem, but put me in more debt causing me to pay money that I intended to go directly towards my loan and interests. I don't know what to do from here, but I was given your information stating that you could help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Approximately sometime in XXXX XXXX. 
My estranged brother contacted my mother to say that a collection agency XXXX & XXXX XXXX has been calling his residence asking for me and whether I lived there. 
My estranged brother who I have not seen or spoken to in 20 years informed XXXX & XXXX XXXX that no one by that name " XXXX XXXX '' lived at his residence. He, my estranged brother stated to my mother that XXXX & XXXX XXXX has been calling his residence on several occasions early in the morning and late at nights harrassing his family asking for XXXX XXXX and telling my estranged brother that I need to pay a debt or else. It is when my estranged brother who happens to be a lawyer threatened them with XXXX & XXXX XXXX with legal actions -- they stopped calling. 

The calls never stopped. They, XXXX XXXX XXXX XXXX- searched to located who had my last name and which individuals who was linked to my last name. They, XXXX & XXXX XXXX found my elderly XXXX XXXX XXXX parent phone number and also called my parent many times throughout the day threatening my mother that she should give them my contact details and that I owe them XXXX & XXXX XXXX money. My mother was extremely upset where she was having chest pains. 
Those are the abusive practices that XXXX & XXXX XXXX did. 

XXXX & XXXX XXXX XXXX added a negativity to TransUnion and XXXX. I DO NOT OWE XXXX & XXXX XXXX any monies. 

I have sent TransUnion Letters. I have Sent Experian letters. Also, I have sent letters to XXXX Disputing the report that I do not owe XXXX & XXXX XXXX and that they should Delete/Remove it from my Credit Report. 

XXXX - Responded and Delete/Remove XXXX & XXXX Collection from my Credit Report TRANS UNION - I have sent several letters -- Transunion have Not removed the Incorrect Information XXXX XXXX XXXX XXXX XXXX 

XXXX : I have sent letters to XXXX as well - They never responded to my letter that I sent them on XX/XX/XXXX Disputing the incorrect information. 

Please help me with TransUnion and XXXX. Even though both XXXX XXXX has Listed incorrect information -- They have not deleted. 

Many thanks in advance for your help. XXXX Bless you and Please stay safe.

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 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check that I got from my attorney and the lady at the desk as I deposited the check said partial payment will be available the next day and the other 4 days later after depositing the check I then get a message saying they holding my check which the funds are available. My bank is Bank of America my name XXXX XXXX ss # 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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/21 complaint number XXXX. I filed a complaint against Trans Union. The company Response states my complaint includes a dispute which is completely false. I have never disputed this posted account ( USBK COURT NEVADA DOCKET # XXXX ) The company failed to validate this within 30 days.

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 2020-03-27
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  or LoanCare on XXXX statement they stole {$120.00} from my escrow account.This is not first time when they stole my monies.The {$120.00} did not go go for tax city or home insurance.I have checked this in city hall.I would like to know where went my monies.

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