BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: ALLY FINANCIAL INC.
State: CA
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:
In connection with Ally Financial : this company has been horrible to work with. In the last year since purchasing the vehicle, repeated requests for statements so that we could make timely payments were ignored. We got fed up and refinanced the car through XXXX in XX/XX/2019. We were provided with a verbal 10 day payoff. XXXX paid that amount and added {$200.00} to the payoff as a pad. Ally claims we still owe $ 10+ over and above the payoff amount and refuses to release title to the car. We have sent checks to the payoff address provided, one for {$10.00}, one for  {$11.00} and one for {$15.00} and Ally to date has refused to apply payments. Ally has also refused our several requests for a complete breakdown of how the payoff issued from XXXX was applied. XXXX Ally it seems that we are not the only ones who have had bad experiences with this company. I just want the title released to XXXX and a complete accounting of how the payoff from XXXX was applied : we should not have been short.

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 2019-03-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
2009 I applied for financial aid through Sallie Mae and attended XXXX XXXX in XXXX Texas. Upon completing my diploma, i started paying my loans and had payments of XXXX $ a month which was doable. 2 years later, i applied for financial aid to attend more classes and went on deferment due to being in school. While on deferment, Sallie mae transfered all of my loan information over to Navient and it has been a nightmare every since. Navient continues to raise my payments without my knowledge, putting me on some fast track program where they raise your payments by XXXX $ a year for me to supposedly pay it off quicker which I explained to Navient that I can not afford to pay the amount they given me and that they were causing me to be late and continuously go into forebarance because I can not afford to pay the monthly payments.Mind you, these loans have been out for 10 years now and I owe more money to Navient then the original price of my loan with was XXXX $ and is now XXXX XXXX after paying on it. I feel trapped and like I will never be done paying this loan and going into debt when I do try to pay it. I just do not understand why they felt they could raise my payments to an amount I had no way to pay as if they were dooming me to fail by going delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient Student Loans did not pass on any information regarding how to apply for different loans or change to a new loan provider that would allow for a forgiveness option for being a public servant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
Here is the information provided by your organization regarding inquires : An inquiry refers to a request to look at your credit file, and it generally falls into one of two types : Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.
Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score.
This is the definition of the two types of inquiries used consistently when researching about the impact of inquiries on credit scores. I am concerned that Navy Federal Credit Union does a hard inquiry on credit reports when changes are requested on existing accounts such as credit limit increases. This practice has a negative impact on credit scores for an extensive amount of time ( 2 years ) and is n't a fair practice for consumers. A credit limit increase is typically not considered a new application by most financial institutions and should not be viewed as such. Please review this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I ordered some clothes from XXXX and I have a credit card with them through XXXX XXXX. I always pay this account in full and had received bills and paid them online. The clothes arrived and I paid the account in full. There was a backordered item, but I thought I had paid for it when I paid the account in full. The backordered item arrived many months later and when it did it said my credit card had been charged the amount of the backordered product. 

I logged on to the account and paid the amount, but it was one day late. I called and talked to the agent who said they would forgive any fees based on the circumstances with the backorder. 

On XX/XX/XXXX I began to receive calls from XXXX XXXX asking me to call. I did. I was told that the account was past due which surprised me. They had charged me the late payment fee even though they said they would not in earlier conversations and because I thought the account was PIF I had not checked it. There were a couple of late payment fees on there as a result! I explained the situation again to the agent, she removed the fees and told me if I paid {$18.00} it would resolve the issue. I had now basically paid twice for the item I ordered but I went ahead and paid it just to resolve the issue. I also asked that I now receive a paper bill because I did not trust them to do what they said from the original conversation about the backordered product and removal of the original fee. 

On XX/XX/XXXX, I come home from work and the XXXX credit card statement is in the mail and I have a {$75.00} balance!! I immediately called and relayed to the agent the situation and that I was told on XX/XX/XXXX this was result and the account was PIF. They said they had record of the {$18.00} payment but the fees had not been removed and so I had received another late fee on XXXX, when I thought the account was PIF!! I asked to talk to a supervisor who said they could remove the most current late fee but not all the other charges, so I would owe {$55.00}, all of fees that I was told twice would be waived He said they had a one waiver policy and I could use it here. I told him, I had been told twice already fees were waived and I didn't trust them to do so and I would not pay for fees that I was told by the Comenity had been waive two times previously. He refused to do anything for me and when I told him I was going to the CFPB he then revoked the offer to waive the fee!! I then asked to cancel the account which he did for me. 

I believe this is a scam by XXXX and that they are engaging in dishonest practices. I always pay my bills in full, I have excellent credit. I also believe they retaliated against me for raising a claim with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26
Company: RentDebt Automated Collections, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a Final Account Notice from XXXX XXXX ( XXXX XXXX ) showing the amount I owed from moving out of my  apartment which was {$280.00}. I did not pay this right away and the account was sent to a collections agency named RentDebt Collections. On XX/XX/XXXX I paid RentDebt the full amount of {$310.00} for the debt which included additional interest and fees. I did not settle this account, it was paid in full. 

On XX/XX/XXXX, 7 months after I moved out and 2 months after I paid the debt in full, I received a NEW Final Account Notice from XXXX XXXX ( XXXX   XXXX ) charging me an additional {$130.00} for the collection fees that they were charged by the collections agency that they hired. 

Also, RentDebt has stated on my credit report that the debt was settled - less than the original balance when I PAID THE BALANCE IN FULL PLUS INTEREST AND FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: CA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$170.00}

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 2020-09-21
Company: CITIBANK, N.A.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At first, the mortgage representative said i was not approved. Then the bank had me sign pre-approval documents through docusign. 
Upon questioning him, he said has going to " cancel '' it. 

Other reps said I was approved and received the loan papers and pre-approval letter. They have been extremely unhelpful

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 2020-11-29
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank didnt pay the second half of my 2020 property tax of {$1600.00} from escrow. My mortgage payment is paid timely every month and includes payments to escrow for insurance and property tax. I have not missed any payments. The escrow account has more than enough funds to pay the property tax. County auditor has charged interest. Property tax was due XX/XX/2020, and I just received a notice from the county auditor yesterday, XX/XX/2020. Flagstar has froze my account and refuses to pay tax from escrow.

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 2023-03-11
Company: CITIBANK, N.A.
State: MD
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 balance transfer

Complaint:
Completed a balance transfer and have been making payments well above the minimum due and was told when I called that the 0 % balance would be paid on first after the minimum monthly payment due. I have to pay it off within 15 months. Reviewed the statement and see the amount only went down a few dollars instead of what Id been thinking should be almost all paid off. I contacted the credit card company, Citibank and they said thats not the way it works, that the highest interests rate gets paid first and you have to pay it off entirely before they apply anything to the 0 % interests. To me, that is a never ending battle, predatory to some extent and they should clearly explain that when you review the terms. This was my second attempt to resolve and they should have clearly stated that when I called in six months ago. It would have changed my use of the card ( which, I rely on to pay my bills and make purchases on throughput the month ). Had that been explained- I would not be using the card until all bills were completed and the balance transfer could have been paid completely. Now I feel like the extra has been for nothing and Im back to square one, which, is harmful for the general consumer and perpetuates credit card debt because it appears to be a way to help avoid interests, but instead, is a gimmick.

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 2020-09-11
Company: Paypal Holdings, Inc
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My card was cancelled and a new card ordered so now my money is tied up. No one EVER answers the phone. The chat or online messaging directs you to call so youre caught in a vicious cycle with no resolution. 

I am homeless and receiving mail is unreliable.

I also had ( 2 ) charges made unauthorized for XXXX only one was refunded.

My unemployment direct is set to go to this account. PLEASE help me.

I am XXXX  I Never reported card lost or stolen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: General Motors Financial Company, Inc.
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:
To GM Financial. I am writing this inquiry to dispute account with GM Financial that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by GM financial the account was delinquent. I have now learned the following information from contacting GM Financial. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring GM Financial at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe GM Financial is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with GM Financial in good standing. The borrower turned the vehicle in early and again I was not notified by GM Financial of this situation. Information provided to me from GM Financial advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate GM Financial, my credit score is being unfairly impacted given GM Financial being made whole on the transaction. To this day I have never been contacted by GM Financial about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to GM Financial, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yesterday I noticed {$54.00} taken from my debit card through my Paypal account. I believe someone hacked my account and send them money. The name of the man who has my money is XXXX XXXX and I have called and called and messaged both Paypal and XXXX for a refund yet still have had no response. I need this issue resolved immediately. I understand there is a worldwide pandemic but that is no excuse to let a minor be bank robbed and hacked for all the money she has and get no help nor response. Im just really hoping you can help me get a refund back of at least my {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: OH
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:
I recently discovered that my credit file has been used to obtain accounts fraudulently without my permission at the following companies : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Are you the original creditor? 
Have you given the debtor the opportunity to review the original contract? 
Have you validated the home address for the debtor? 
Have you complied with all FRCA and FDCP and FDCPA laws? 
Have you reported to the consumer who all has reviewed the original contract Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?

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 2019-11-18
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: Account information incorrect

Complaint:
the fcra requires all beureas to report factual and accurate information at all times and these invalid accounts on my credit report are in violation of fcra sec 609 and 623 - b as well as fdcpa 807-8 i request with legal rights that these incorrect accounts be removed immediately or i will procede with civil litigation for violations of the statutes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Conduent Incorporated
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
This complaint is in ref to the Georgia Unemployment Insurance ( UI ) Way2Go Debit Master Card operated by Go Program, issued by XXXX XXXX. 
My weekly unemployment benefits claims began XX/XX/20, as of today XX/XX/20 I elected to receive my benefits via direct deposit from the beginning. Therefore I never activated the debit card sent to me in the mail. I destroyed and disposed of it upon it's arrival. Somehow my direct deposit choice didn't take and the system continued to put money on the destroyed card for weeks of XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. I've made endless attempts via phone and email to the DOL as well as the Way2Go customer ser # XXXX, this number sends you on a goose trail, it asks you for the card # and if you don't have one press the # sign then the same message repeats itself and you never get to speak or leave a message. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/19, I, the sender, sent my mother, the recipient {$55.00} via CashApp. 
On XX/XX/19, I, the sender, sent my mother, the recipient {$150.00} via CashApp. 
Yes, I authorized both charges. 

The issue is as follows. My mother was never able to cash out the funds & have them deposit to her account because her CashApp account is linked her her old phone number which is disconnected. Unfortunately, I did not know this prior to sending the funds. My mother reached out to CashApp & did as they suggested, she attempted to link her old account to a her account she has to create. That did not work and now CashApp has told her she can not access her old account at all therefore can not access the money.

I have reached out to CashApp requesting the payments I made be cancelled being they are sitting in account that is now closed and the money can not be accessed.. They have pretended to assist but told me there is nothing they can do about refunding me the money although it was never cashed out.

CashApp does not have a Customer Service number you can call and get a live representative therefore all correspondences have been via email. I am convinced now more than ever that this is a total scam and they have stolen my money, a total of {$200.00}.

CashApp Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation