BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: Navient Solutions, LLC.
State: IL
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 emailed them and received an reply on XX/XX/XXXX stating that they can't help. I am in school and trying to make payments through my bank automatically. They keep applying them to my closed loans ( Fully Paid ) and not my current loans. So in turn I am being charged more money on the compounding interest when my payment is being set into an account with XXXX   balance instead of the account with an balance. This is completely unfair as a consumer doing my best to pay off my loans and not be in debt they are taking more and more money because their " system '' is mis-categorizing my payments. They said that I need to email them every few months and they will transfer the money, that will leave a few months of interest compounding on more interest which leads me to being charged more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
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 have been contacting OneMain Financial, who appear on my credit file as OneMain numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my property at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2019 and the mortgage company, Specialized Loan Servicing, was paid in full on that date. My Loan number with SLS was XXXX. 

The payoff amount of {$420000.00}. This payoff amount was good through XX/XX/2019 it included a daily interest calculation of {$120.00} and a late fee of {$150.00} in the event that the loan closed on XX/XX/XXXX. 

Since the loan closed on XX/XX/XXXX, SLS owes me a refund of 16 days interest and the late fee. I calculate the total as {$2000.00}. I have called SLS 5 times regarding this matter and they seem to act like they don't know what I'm talking about, or a different department handles it, but they won't transer me, or they are working on it and the check is in the mail. I have also asked to speak with a supervisor and was told that one would call me back within 48 hours and that never happened.

I have two requests. The first request is that I get my refund. My second request is that SLS be investigated for fraud because I believe that this is a practice for them and they are stealing lots of folks refunds because many people don't understand the process of getting a refund based on closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have never been late on my Citi XXXX XXXX card ( or any other card or bill for that matter ). I pay the balance in full every month. All of my 4 credit cards are due on the XXXX of the month. At the beginning of the month, I set up all of my bank drafts for my bills. For some reason, none of the 4 drafts went through for the XXXX payments. I did not notice the error until XX/XX/ and paid each in full immediately when I discovered the error. 
I use the Citi card for almost all charges, resulting in tens of thousands of merchant fees to Citi. 
The lesser used cards provided one-time courtesy waivers of interest and late fees. I contacted Citi and they refuse to extend me any courtesy waiver whatsoever. 
As I wrote to " XXXX '' in our chat : " Please know that my other cards with lesser usage have waived the interest and fees [ caused by this one-time mistake ]. Be sure to let your supervisors ( and anyone else know ) that this request was for a courtesy waiver of {$140.00} on an account that charges tens of thousands of dollars. Citi must think it's the only game in town. Say goodbye to all of those merchant charges and monies you make from my use on this card. I will shift the majority of charges to other, more forgiving, card issuers. '' I then offered Citi one more chance to re-consider it's position and credit my account. " XXXX '' told me nothing could be done and I could call a supervisor. Instead, I'm submitting this complaint ( and publishing it ) because we all have choices when it comes to the credit cards we use ( and which card benefits from the merchant fees those charges generate ).

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 monetary relief
Consumer complaint received 2018-11-20
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received in the mail on Monday, XX/XX/2018 a letter from the aformentioned company as an attempt to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and gave statement of alleged amount owed and payment options available. Their 30 day window to verify the validity of the debt was already closed before I even received the letter at my residence. This is not a debt I recognize. I also do not believe they are licensed to collect in the state of Connecticut. This account has also appeared on my credit report as a collection due to this lapse. These are evasive and aggressive tactics that I will not tolerate as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, 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 am no longer a authorized user on the XXXX XXXX account opened XX/XX/2015 that is reported to the credit bureaus. Please remove this account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2019-09-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is so unfair! Its also unacceptable and unconscionable! 
The three NSF fees charged on XX/XX/XXXX were all for transactions that were completed when the account was positive - right after my payroll deposit was made on the XXXX of XXXX but due to a banking holiday - Labor Day - Chase accounted was pushed back by a day ... ..AND I HAVE TO PAY THE PRICE!!!! 
If any NSF fee should have been charged, it should have been for the {$480.00} transaction to XXXX XXXX ONLY!! 
This is highway robbery!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have filed disputes with all three ( 3 ) credit bureaus, only one continues to show this debt from Kohls/Cap One as me being deceased.

I have sent a letter to the company ( Kohls/Cap One ) and even spoke to XXXX XXXX ( she claimed to be the secretary to the president ). I have shown in several ways that I am not deceased. 

I have sent copies of my driver 's license, Social Security Card, a current utility bill, I also still have a government check sent to me every month, and have acquired XXXX ( XXXX ) new credit cards, and finally, I have gotten a notarized letter to attest that I am not deceased. 

These last XXXX XXXX XXXX XXXX disputes have resulted in the same outcome. This item has not been removed. I am very upset because I have no idea how a company can certify information about me is correct if I have provided all the above information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase 's website makes it very difficult to check the statements and to navigate to see details. 
It is very heavy, and it hangs several times. 

I had, a few times, to give up checking my statement because Chase makes it difficult, or impossible, to use their website. 

Please pay attention : this is NOT an issue with my computer. I have cards with 4 other banks and all of them work absolutely well, and quick. I don't spend more than a few minutes in each access. With Chase, however, it is almost impossible to do what is needed. I work in XXXX  and I assure you this is plain bad programming - I tried to be fancy, your programmers delivered what you asked, but Chase ignored the signs that the website is just too heavy to respond to clicks. 

Also, regarding the design : who thought that opening the transaction on a list on the right side of the screen was a good idea?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Good morning, i would like asking your help returning funds that was mistakenly between Bank of America 's accounts. 
Claim Number XXXX with Bank Of America. 

the funds were mistakenly transfer I admit, however, i notified the bank 10 min after it happened. the bank did very little to nothing to recover the funds and contact the person the funds were transfer to. 
they are hiding behind legal terms and taking no action and very little responsibility of the situation.

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 2019-09-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX I submitted a refinance application with XXXX who works with Cardinal Financial Company. While they have several great reviews, what the reviews did not reveal is that the company has poor communication with it's clients unless they require information. My loan took over 45 days to close and even though it closed on XXXX, they did not mail the disbursement checks to any of the creditors they had me pay off until XX/XX/XXXX, sending my home owners policy into cancellation and receiving a late fee once paid. I was told on several occasions the checks were mailed on XXXX, but when I received copies of the actual disbursements the checks were dated XX/XX/XXXX. I had offered to pay off the small accounts directly, but was assured it would delay the loan so I gave them a cashier 's check for the loans. During the last set of disclosures a {$220.00} fee was added into the loan that wasn't there before as well as the title fees doubling. Only when I questioned these items did they attempt to resolve the title fee issues, while the {$220.00} fee kept appearing and disappearing. My refinance was a simple straight forward, no money out loan which should have been easily streamlined but turned out to be constant stress and while it closed on XXXX there is still the pending item of the late payment for the home owner 's insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an account with XXXX that was plagued with billing issues. I was incorrectly billed many times, service was disconnected several times I was cussed at and hung up on by XXXX  's financial services reps. 


The account was paid. An complaint was filed with the attorney general of XXXX. XXXX responded stated the account was paid in full and issued an apology. 

They have now sent my account to collections with a third party collection agency which is now damaging my 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 2019-09-04
Company: Ardmore Finance Corporation
State: IL
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:
Ardmore finance havent updated the remarks to paid also sub loan is paid off it has a balance of {$720.00} and its paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I had my credit card ending in XXXX cancelled without any notice given on XX/XX/2020. I contacted customer service and spoke to a supervisor who said her name was XXXX, employee Id XXXX. She told me it was cancelled since I had not used it in six months. I asked her why I was not notified, even the courtesy of a phone call or email that it would be cancelled for lack of use, and she abruptly stated they are not required to do so. I explained to her that part of the reason for non use was due to COVID-19 but she couldnt care less. 

I told her I had {$35.00} in cash rewards on the card and she told me they had been cancelled. I asked her to reinstate the account and the cash rewards and she outright refused to do so. I ask her then to send me a cheque for the {$35.00} and she refused. I asked to speak to her supervisor and she refused, stating I could only complain to the bank president and only by regular mail. 

I have been treated in an appalling, disrespectful and insensitive manner by a bank who I had dealt with for several years and my account was in good standing. I would like the bank to reimburse me the {$35.00} that I legitimately earned. Fifth Third Bank is reaping millions of dollars by summarily cancelling customer accounts without notice and forfeiting their rewards. Any reasonable person would view this type of conduct repugnant if done by anyone, let alone a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Premier Student Loan Center
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:
I was contacted by Premier Student Loan Center and they told me that they would consolidate my loans and forgive them after I paid them {$200.00} for the first 6 months and then an additional {$30.00} a month for 240 months. The XXXX dollars being for filing paperwork and the XXXX dollars a month would go toward my loan. I have checked with my loan servicer and my loan amount has not changed. Then I called Premier and they tell me that the monthly fee is for their paperwork services and that I'm not paying my loan down through them at all. I was lied to and I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04
Company: SUN LOAN COMPANY INC.
State: IL
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:
XXXX XXXX  havent updated the remarks to paid also sub loan is paid off it has a balance of {$720.00} and its paid off

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 2020-06-30
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was double charged on my escrow for the home insurance payment last year - {$800.00} on XX/XX/XXXX and then {$810.00} on XX/XX/XXXX. My husband and I tried contacting the Mortgage Company ( Flagstar ) to see what happened - apparently the first check issued ( {$800.00} on XXXX ) is not enough to cover the total due amount. 
Flagstar issued a second check on XX/XX/XXXX for {$810.00}. Flagstar deducted both in our escrow. 

On one of the calls Flagstar was saying both checks has been cashed in by the insurance company ( XXXX XXXX ) based on their records. On another call where I was with XXXX XXXX ( insurance company ) and Flagstar Bank ( mortgage company ) - XX/XX/XXXX sometime XXXX to XXXX XXXX, XXXX XXXX confirmed they did not cash in the other check ( {$800.00} ) and the representative from Flagstar Bank confirmed that the other check was not cashed in. Flagstar said they will check with their department. Maybe 2 to 3 weeks after that my husband called and he was able to talk to a team leader from Flagstar - the team leader said they will try to ask approval for a refund from their leadership/upper management. Today, XX/XX/XXXX, I did a follow up on the refund request and the representative I talked to didn't even tell me anything about it. He said they'll have to contact the insurance company again. It's like they don't keep a trail of what is happening in our case or they just want us to run in circles. I asked him what the status of the refund request was, and that's the only time he said it was rejected! He was purposely leaving out that information from me, it is so frustrating. I work fair, I pay fair, and I live fair. I just want back the money that is rightfully mine. 
Up to this day we did not receive anything - not a check in the mail or not a refund in our online account.

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 2016-04-12
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My checking account was garnished by a third party for a judgment debt. The bank charged my account {$110.00}, then charged me {$74.00} more because it paid off XXXX of my charges that did not go through for the very reason that the bank had frozen MY funds and then also assessed that garnishment charge ( which I never was made aware of or agreed to at any time ). Pursuant to Minnesota garnishment law I mailed the bank my signed notice of exemption form proving that all of the funds in the account came from sources ( social security and pensions ) exempt by state and federal law from garnishment, along with 60 days of bank statements. More than six business days have expired. The judgment creditor did not send or serve any objection to my notice of exemption to me or the bank. Minnesota XXXX XXXX XXXX ( 2015 ) ( the garnishment law ) expressly states " All money claimed to be exempt shall be released to the debtor upon the expiration of six business days after the date postmarked on the envelope containing the executed exemption notice mailed to the financial institution, or the date of personal delivery of the executed exemption notice to the financial institution, unless within that time the creditor interposes an objection to the exemption. '' All of the preconditions to releasing my frozen funds have occurred, yet the bank refuses to release MY money. I called TCF twice, and spoke with a " supervisor '' XXXX times. They refused to connect me to any XXXX higher up, or to the bank 's garnishment department, or to the bank 's legal department. Even though I read the Minnesota statute to them out loud, the both said they would not release MY MONEY without a court order. They XXXX told me there was no one else at the bank they would allow me to talk to, and that there was nothing more I could do except deliver the the bank a court order. I complained in person to my local branch office. The person there told me that the bank had already paid my exempt funds to the garnisher, and I would have to get my money from them!! The bank has completely ignored its statutory and fiduciary duties to me by ripping my exempt money from my account and giving it to a creditor, and added insult by charging me almost {$200.00} for the favor of their victimization. I have proof that the bank timely received my exemption form at the address they provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When the pandemic hit I signed up for Covid-19 waiver with this waiver not supposed to get fees for missing payment as payments delayed. I have tried resolving issue through company with no 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 monetary relief