BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This complaint is about my American Express business platinum account ending in XXXX. The account was closed due to the fact my business lost a recently obtained contract and Im having to adjust my lifestyle and move. Because of this I had to cancel my account. I sent a payment yesterday and today I was checking the remaining balance to be paid off before the due date of XX/XX/2018. I saw I had a negative Memberahip Rewards balance of XXXX XXXX. The card came with a sign up bonus of XXXX points after spending {$10000.00} in the first XXXX months which I did. One attaching the statement which clearly shows spending above the requirement. The points were posted when I met the spending and I transferred them to the airline of my choice. Im respectfully requesting the membership balance be updated to get out of the negative, since it was at XXXX points yesterday. Ive never had this sort of problem with Amex and I hold several of your cards which I enjoy using and Im an advocate of. I called and spoke with XXXX and then XXXX at the Memberahip Rewards Department. They agreed on a recorded line that I had met all the requirements of the spending and that I shouldnt have a negative balance. As a long time loyal customer Im asking you to do the right thing. Otherwise Ill be forced to close all my accounts with you and move my spending to somewhere else. I sincerely hope your company values their customers and doesnt see us as just numbers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We paid our car off on XXXX and Ally sais we still owe {$300.00} for late fees. When I paid {$1100.00} that was for 2 payments and the late fee that we didnt even owe. We had some late fees but not that much. The 2 payments were {$420.00} + {$420.00} = {$850.00} + $ XXXX {$1100.00}. Ally is saying we still owe the {$300.00} and is holding our title ransome. I have attached several papers showing. 
In XXXX we got behind because we needed extra money for XXXX. We did not get caught up until I paid the {$1100.00}. The first balance was {$1100.00} ( which I should have paid that, didnt want to over draw my bank ) - {$1100.00} = {$11.00}. But then it popped up that the balance was {$14.00}, so I paid that and then they reversed the payment. 
XX/XX/XXXX I tried to make a payment and they reversed it, then I paid the {$1100.00} on the XX/XX/XXXX. They also reversed the payment of {$14.00}, but I kept trying and finally it went thru. 
My complaint is that they are holding our title ransome and saying we owe {$300.00} and until we pay it they wont send us the title. Also, they have charged us lates fees that were not 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 2020-10-14
Company: Experian Information Solutions Inc.
State: SC
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:
Experian is continue to state that its not me who is submitting the request and I need proof of identity each time I've attached my info each complaint they are refusing to remove knowingly fraudulent information and violation of 605b. Experian phone system dosent all me to call in it only allows for fraud or security freeze never can you speak with anyone with number listed. Ive also will contact my attorney general with this to ensure that this matter is handle promptly.

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 2018-08-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wakefield & Associates, a debt collector in XXXX, continues to report debt that is over 6 years old. 

Per A.R.S. ( XXXX Revised Statutes ) 12-548, debt over 6 years old is not allowed, by XXXX law, to be reported as a delinquent account/debt.

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 2018-08-28
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I submitted an application for a credit card and received a declination letter. The credit score that Chase bank used was different from the one from XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
A mortgage company I used to have a loan with has refused to show the loan as closed. The loan was closed with a XXXX   V.A. Loan. Experian shows the loan still open in my name. That is incorrect. The loan is paid as House was refinanced under The name XXXX XXXX XXXX. I should not have ANY open mortgage accounts at this time. Thank you. 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 non-monetary relief
Consumer complaint received 2018-08-28
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 status incorrect

Complaint:
I submitted an application for a credit card and received a declination letter. The credit score that XXXX bank used was different from the one from Experian credit report.

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 2020-10-14
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital keeps sending me letters and threatening to sue me for something I never had. I have never had a XXXX XXXX account they keep on send letters stating I owe them when I do not owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Ingo Money, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
on XX/XX/18 i deposit check i did not know was not good thay closed my account without telling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
In the XXXX statement for the Union Plus charge card managed by Capitol One bank,  there were fraudulent charges for items that we had not purchased. We contacted the bank and told them that these charges were fraudulent. We received a letter from Capital One stating that " We want to assure you that you won't be liable for any unauthorized charges. '' And this letter stated that our account was refunded for the unauthorized charges. We thought that the matter was taken care of. On our new statement the fraudulent charges are back and we are being asked to pay these charges, even though they are still fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Rosebud Economic Development Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have applied for a {$400.00} loan ... in contract I was supposed to payoff my loan payment with a 6 payment withdrawal from my bank account. I made well over 10-12 payments of {$100.00} thats over a {$1000.00} for a {$400.00} loan! 
I have tried calling the company no answer for a couple of days and finally I got in. And all they said was that they will keep withdrawing from my acct until they are satisfied ... I am like what the heck. And they just hung up on me.!! 
I sent emails no replies back. The only thing I get is that my acct is going to be debited for payment of {$100.00}. I emailed them with that email sent to me. No reply.

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 2018-08-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AFTER RECEIVING A LETTER FROM THE XXXX XXXX XXXX XXXX XXXX I DID RECEIVE INFORMATION CONCERNINGWHAT THIS WAS ALL ABOUT, THIS WAS FROM MY OLD ADDRESSS IN MY NAME ONLY. MY HUSDAND AND MYSELF MOVED FROM IN 2013. TO ANOTHER STATE. I NEVER MADE PURCHASES FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I had a position in XXXX with XXXX ( XXXX, XXXX. XX/XX/2019 - XXXX, MA, USA ) I sold the XXXX  and converted them to USDC for remittance to my bank account with XXXX XXXX  in XXXX. 
XXXX transferred the funds to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) to make the transfer to me. 
Circle require verification of destination account and for this asked me to make a transfer of US {$5.00} to their account with some unknown bank ( XXXX XXXX in XXXX XXXX The XXXX code they provided for XXXX XXXX ( XXXX ) is wrong/does not exist and my bank can not make the transfer to verify my account. 
I informed them about this and they asked me to try some other XXXX codes all of which did not work either. 

Circle are basically washing their hands and I can not receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
An account was opened under my name with XXXX XXXX issued by XXXX XXXX.. I am afraid I may be a victim of identity theft. I am not aware of this account at all and I tried to dispute these accounts but they came back as verified. They are still sending me statements and I don't know what to do. If something was ordered where was the merchandise sent? they claimed i bought two pair of sneakers. I got the statement again and it included a late fee this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: Navient Solutions, LLC.
State: NJ
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:
Regarding Navient Account Number XXXX I was paying about {$130.00} monthly to Navient through autopay. 

I made a {$4000.00} payment last week to pay down my loan. 

I just checked my bank statement and found that Navient charged me {$190.00} for no discernible reason. 

I called Navient customer service to find out what the {$190.00} payment was for, and they COUD NOT tell me. Nor would they refund my money while they did their internal investigation. 

They basically went into my bank account and took an UNAUTHORIZED PAYMENT and can't even tell me what it's for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XXXX/XXXX/XXXX. XXXX XXXX  which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: AL
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/ XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX ' XXXX Inquiry XX/XX/XXXX Unathorized Inquiries need removal asap.

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 2018-08-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a loan in XXXX through Sallie Mae for XXXX dollars for the XXXX program. My XXXX co-signed for me to get this loan. 

I have had it deferred and also have paid. In total I have paid XXXX and my loan amount has actually gone UP. I now have a balance of XXXX. Now that sallie mae is under Navient I have tried to talk to them last year and have gotten nowhere. The payments I made last year have only gone to interest. Also my XXXX who co-signed the loan is not showing on he loan at all anymore. I dont know how you can take someone off a loan but I didnt do that so with how things are being handled there is something suspicious and fraudulent going on. I am struggling to understand what I can do since there is no help for private loans. I have contacted legal services and there are similar cases to mine but I do not have the money to pay an attorney to fight this. I have attached my payment history. Navient has a class action lawsuit against them and I have contacted them via phone and email for the class action case but no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am requesting an investigation of fraud and predatory lending on XXXX XXXX Mortgage and PHH Mortgage. I recently had my mortgage documents reviewed by a mortgage professional because I believed my sister ( XXXX XXXX ) and I were victims of mortgage fraud and predatory lending. My loan originated in XX/XX/XXXX by XXXX XXXX XXXX. I was supposed to be a co-borrower to help my sister buy her first home. I am a veteran but during that time frame I was on XXXX XXXX and was on my way to XXXX. The loan officer had my sister and I fill-in two applications for the mortgage loan. I was advised that I would be the co-borrower for only a few months until they refinanced the loan with only my sister on the new loan. I recently discovered that only my name was on all the mortgage documents of XXXX XXXX Mortgage although during the closing both my sister and I was required to sign all the mortgage closing documents. We were advised because we was bother and sister we had to sign separate documents. However, on the 2nd mortgage both our names are on the mortgage closing documents together. 

The loan officer put us in a sub-prime loan product and recommended two mortgages as an 80/20 loan product. The first mortgage was 80 % and a second loan 20 %. We had asked for a normal conventional loan but we was advised that we would have a regular conventional loan when they refinanced my sister in 3 months by herself. We was also put in a interest only loan for the first 5 years on the first mortgage and an interest only loan on the 2nd mortgage  with a balloon payment. The balloon is now coming due in XX/XX/XXXX. 

I have attached an article regarding XXXX XXXX being held responsible for loans that they purchased from Mortgage Brokers in the XXXX area due to illegal actions with sub-prime lending. I believe XXXX XXXX Mortgage and PHH Mortgage as my 1st and 2nd mortgage lien holders should be held responsible for the fraud and predatory lending on my loan. 

I also believe XXXX XXXX has continued to take advantage of me as a veteran, when they modified my loan in XXXX. My loan was modified to a 40 year loan. My sister has made every payment and the balance reflects very little paid to the principal balance of the first mortgage and nothing on the 2nd mortgage. We are also questioning the value and sell price when we purchased the home for my sister. It appeared the seller and the loan officer at XXXX XXXX XXXX  knew each other. We are upside down on our mortgage and refinancing will be impossible.

I have requested my original mortgage documents from my lenders but I have not received our original applications, HUD 1 and Closing documents to send to your office. I am also requesting a full investigation and I am asking that your review the attached  documents of the government investigation of XXXX XXXX and require similar actions against XXXX XXXX and PHH Mortgage on my behalf. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
Somebody named XXXX XXXX is telling people to not give me a checking account, I did not authorize this XXXX to collect data on me or to report on me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: DISCOVER BANK
State: TN
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:
Last year we after clicking on an ad about a work from home opportunity we didnt realize that we were being sucked into an online business scam costing us now over {$16000.00}. It started with a simple {$97.00} fee claiming that we would begin making money immediately. That has not been the case, we have been strung along charged more and more money all for nothing. These companies should not be allowed to take credit cards and we want these charges immediately disputed and returned to us. They have not performed and deceptively took our payments under false and misleading pretenses. While Discover says we only have 60 days to raise a claim we have found information online that says otherwise. We would like to see the following charges refunded. Thank you. 

XX/XX/19 {$97.00} by XXXX XXXX XX/XX/19 {$64.00} by XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
After questioning the validity of the mortgage debt since they were not shown as active on my MIN number recorded by MERS ( Mortgage Electronic Recording Services ), XXXX could not explain why they were inactive on my NOTE and sold the claimed debt to Bayview Loan Servicing LLC on XX/XX/XXXX. Current MERS search reveals that XXXX was inactive on my NOTE MIN number since XX/XX/XXXX ( See attached document ). 
Bayview Loan Servicing LLC has been trying to get personal information from me but I have insisted that they validate this debt. They sent me a packet filled with old statements, photocopy of the NOTE ( which they do not show up as servicer of the claimed debt when I searched the MIN number on the NOTE on MERS ). Bayview has sent me letter of intent to accelerate foreclosure when they are not able to validate this claimed debt. I need them to validate this debt by providing a NOTE that shows them as a servicer of my MIN number and a Bill to the said account so as to confirm the default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently deposited a check for XXXX with Bank of America into my account through their mobile app, on XX/XX/25 I was told that the check would take 10 days to clear but they cant tell me why, Ive reached out to the paying bank to see what the issue is and was told BAnk of America has not reached out to them to get the funds released. Through the mobile app I was told the check would clear the next business day which it did but Bank of America placed a hold on it and now Im stuck in this situation with no access to my money.

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