BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was a onlne student with XXXX living in California, I filed a loan with XXXX XXXX as my lender. I got sick and unable to complete my last class, I had to drop from course. I wanted to complete my degree upon requesting my transcript I was made aware that I owed XXXX {$6200.00}, they returned funds to my lender and informed me that it was a private loan and I owed the school. I contacted school and president in XXXX 2013 requesting assistance with getting this resolved, I explained that I willing to make payment but really needed my transcript. I was told needed to pay in full before they would release my transcript. I applied for a consolidation with my lender XXXX XXXX they were willing to consoildation because they have my other student loans from XXXX currently. XXXX XXXX informed me that XXXX informed them they do not have a loan currently for to consolidate. I am currently receiving threatening phone calls from a collection agency called XXXX XXXX XXXX stating that they will be filing a judgement against for XXXX because I have an outstanding loan. I have attempted to seek solution from financial aid office at XXXX. 
XXXX XXXX University my ID number was XXXX phone number XXXX XXXX XXXX XXXX number is XXXX file number 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 2021-04-30
Company: GOLDMAN SACHS BANK USA
State: CA
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:
I received a notification for a charged of {$310.00} dollars on my phone. 
I contacted my credit card, Apple at Goldman Sachs, to report charges not approved. 

XX/XX/2021- XXXX  {$310.00}XX/XX/2021- XXXX {$18.00} An Apple Specialist at Goldman Sachs replaced my card. I explained to them that a XXXX manager contacted me for fraud charges. 

An Apple Specialist credited my account for the amount of {$310.00} on XX/XX/2021. 

What was disturbing was that the charged was listed under child 's name who is a minor. The vender disclosed this information to me. My child isn't an authorized user. 

XXXX attempted make a charged for {$18.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In XXXX buy XXXX euros of XXXX  on the exchange coinbase in bank transfer. The next day they sent me an email that my account was under review, so far perfect. I saw that the days were passing and my account was still under review, until yesterday, XX/XX/2021, when they removed my resvision and I could now operate. But today XX/XX/2021 they have put me under review again and I don't understand why. I would like to have the review removed because I need to have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05
Company: WELLS FARGO & COMPANY
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:
I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Wells Fargo Dealer Services were the bank that financed the car. During the ownership of the car, it needed {$7000.00} worth of repair services that did not make sense within the first year of ownership. I contacted Wells Fargo to inform them. They put 2 payments in the rear of the loan to assist me. However, the loan was 2 months behind. I did not receive any phone calls or written notifications that the car was in repossession status. I have sent certified letters on XX/XX/XXXX asking for validation and proof on how the car was repossessed. 

I was living in XXXX XXXX XXXX at the time of the repossession. The repossession company violated my rights by taking possession of the car in my underground garage which is locked and only accessible with a remote control. I have been contacting Wells Fargo for well over 2 years trying to get written proof of everything and I have not received it so I am filing a complaint here and my next move is the Attorney General. Wells Fargo is well known for their fraudulent practices

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 2020-12-01
Company: BMW Financial Services NA, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX XXXX  {$0.00}, ( 2 ) XXXX XXXX XXXX  {$3600.00} ( 3 ) XXXX XXXX  {$830.00} ( 4 ) XXXX XXXX  {$440.00} ( 5 ) XXXX XXXX  {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: OneMain Finance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XXXX XX/XX/XXXX and XX/XX/XXXX I recieved inquiries from One Main financial on My credit report. I did not authorize these hard inquiries. I disputed it, I've spoke with one main reps to get authorization proof for these inquiries but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an investment property in florida that I sold last XXXX, 2018 in a short sale. The original loan had PMI on it and the shortage to the bank was paid from the proceeds of the PMI policy on XX/XX/XXXX of 2018. In short, the bank, Fifth Third Bank, was made whole and suffered no loss. 5/3rd sent me a year end statement that verifies the same. Two weeks after I received the year end statement, 5/3rd then sent a 1099C showing a discharged debt. This 1099C should never have been created as there was no loss to the bank and the PMI made the bank whole. Ive spent hours on the phone repeating the same information over and over again and while they've acknowledged they made a mistake, they have not corrected it and I can not file my taxes until they do. They need to cancel out the erroneous 1099C 's issued to both my wife and myself and provide me with proof of the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: TIDEWATER FINANCE COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two collections accounts that appear to be the same account on my credit reporting file from a collection agency named Tidewater Finance Company. The account numbers are as follows : XXXX. XXXX XXXX. XXXX I am disputing these collections due to the fact that Tidewater Finance Company XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CHASE closed our accounts with no warning, or explanation. The card was a XXXX XXXX XXXX XXXX. I found out my account was closed when at the cashier 's stand in a grocery store. A very embarrassing moment. There were no communications from the CHASE either as a text, phone call, and email. In fact when I called the customer service they didn't know why the card was declined. Finally a supervisor came online and said that because of " federal law and US treasury ... '' they couldn't tell me why they closed the account and I must wait until I get a letter in the mail that explains why. They made us, law abiding citizens, feel like criminals. The letter came after nearly one month with bogus explanation that they are closing the account because their affiliate i.e. XXXX XXXX has ended the " banking '' relation with us. An allegation that XXXX flatly denied. Please refer attachment. 

Additionally, as I had rented my car while on a business trip with the same card, I could not extend my rental period because the card was declined and I ended up paying a much higher rental rate because the one I had negotiated at time time of original contract was no longer applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The mortgage loan I have with Ocwen matured on XX/XX/XXXX. Since then, I have been attempting to work out a payment arrangement on a balloon payment. They would not accept any payments from me except for full loan payoff. I always make my payments via XXXX. 

After several attempts to contact the relationship manager, I was told to make a payment of {$680.00} to cover the XXXX and XXXX payments. I sent the {$680.00} directly to them through their website. I also submitted the mortgage modification application they requested. When my next mortgage statement arrived, I saw where the {$680.00} was in suspense/unapplied funds. I contacted them again and I was told that they would be returning the {$680.00} to me in the form of a check, and that I would be notified regarding the modification. The check was dated XX/XX/XXXX. I also tried to make two more payments via XXXX which were rejected. 

In XXXX, XXXX, I received the Trial Modification payment notice. I was to pay {$320.00} on XXXX XXXX, XXXX. That week, I went to the XXXX location to pay it and this time, the payment was accepted. However, a few days later I got a letter from Ocwen informing me that I am not qualified for a modification because I am 90 days late or more, and that I can get my {$320.00} from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Select Financial Services, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had been trying to apply for Mortgage assistance or loan modification since XXXX I have apply more then 11 time with 6 different income because I had to bring my income up I Have to change job many times in order to re-apply for loan modification becouse lender had advise me to get more income in order to qualify but all my application had been decline for reason not real and clear disclosure by lender XXXX XXXX. Lender also Requesting borrowers to paid 50 % of negative escrow or Escrow Shortages balance at front in order to qualify for Loan modification!! That it mayor violation of ( Regulation X ) ( RESPA ) I feel that lender had number of violation and had number of violation of ( Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) ( RESPA ) and also number of complaint of Fair Housing Act Title VIII of the Civil Rights Act of 1968 ( Fair Housing Act ), as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status ( including children under the age of 18 living with parents or legal custodians, pregnant women, and people securing custody of children under the age of 18 ), and handicap ( disability ).

Company response to consumer: Untimely response
Consumer complaint received 2018-07-12
Company: World Acceptance Corporation
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:
My name isXXXX XXXX and i call world finance several times trying to resolve my loan problem and they keeping telling me they have nothing to do with the loan anymore and that they sold it so they cant do nothing about anything on that loan but they still reporting negative on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: AMERICAN ADVISORS GROUP
State: MO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX XXXX with AAG emailed me a reverse mortgage loan # XXXX. On XXXX and again on XXXX, I sent XXXX emails with several questions on this loan. I never received any communication from AAG until XXXX by a phone call from XXXX XXXX  XXXX with AAG. XXXX XXXX told me XXXX XXXX was promoted within AAG and this is the reason XXXX did not reply to me. This is not true since XXXX now works with another company. XXXX   XXXX stated that my original loan was not approved, but then later on was approved. XXXX XXXX ran a credit report on me on XXXX while promising to send me the loan documents this same day. But, XXXX XXXX tricked me, and stated that I must first signed up for and pay for the Counseling Course, before he would send any loan documents. I called his supervisor XXXX XXXX. XXXX told me the same thing as XXXX XXXX. XXXX is not licensed in Missouri. On XXXX, I emailed XXXX my concerns about this trickery. Later on this same day, XXXX XXXX emailed me the new loan # XXXX. On XXXX, I missed a phone call from XXXX XXXX. On XXXX, I emailed XXXX XXXX with several questions concerning this new loan. On XXXX, XXXX XXXX sent me an email stating that he would address my 'questions by phone call only ' ; and 'we had management approval to lower the margin, unfortunately, the concession is no longer available '. XXXX XXXX is high pressured, very confusing, and he has lied to me, and now I guess XXXX   XXXX will no longer communicate by email, and will no longer honor this loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Time of Applicable Cases : Approximately, XX/XX/XXXX -XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX-XX/XX/XXXX ( XXXX XXXX ), and Complaint on potentially deceptive credit card business practice based on corporate policy that is not fairly and properly administered : ( Complaint Below ) CHASE advertises a credit card service that appeals to XXXX XXXX frequent flyers , and I applied and obtained a card for use. After several months of using the card, I received a letter from CHASE that it has " decided to close your [ my ] credit card because we [ they ] are no longer offering personal and business credit card accounts to current or former non-U.S. officials, their immediate families or close associates. '' Not only was this action poorly informed as CHASE did not both to verify my current immigration status in the States, but later action on its part against my family member ( wife ) points to a deceptive business practice under this particular credit card it offers and the promotional materials it disseminates. 

A while after my CHASE credit card account was shut down, after I have accrued over XXXX USD balance I had to pay back to clear the account, which I satisfactorily paid off in respect of my obligation. However, in being not so certain about the soundness of this CHASE action and policy that I called the headquarters to discuss and present my case against, my wife applied for a similar card. She was approved for a card, received it, began using the card ( we did as approved card has option for assigning a secondary card user ), and few months later, my wife received a similar later. Account to be closed on similar ground as was used in my earlier experience. 

CHASE has demonstrated inconsistency in its credit card offering services and practice. While I still doubt the proper application of such policy against me, its approval of my wife 's application presents more reason to doubt CHASE 's seemingly deceptive business practice that seems aimed at putting susceptible customers in depth. 

This practice needs to be scrutinized so that any law or regulations the company is applying will be administered equitably and devoid of what appears to be deceptive features. 

Please assist us address this matter, and please feel free to contact me at my email address or cellular number, XXXX and XXXX. 

Sincerely, XXXX XXXX Disgruntled CHASE Customer ( former )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my XXXX  credit report and the company is reporting a collection that I have no knowledge of. I have never received any written proof from them validating the debt with my written signature, a contract or a document showing I owe them money. I sent a certified letter to the collection agency and it was returned undeliverable. This inaccurate information should be deleted. I contacted XXXX  with a certified letter and XXXX  responded with saying it was accurate but with no written proof of who was contacted, written information or a verifiable source

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has attempted to collect a non-viable debt from a fraudulent transaction. They have sold the alleged debt to XXXX XXXX as they could not sustain it under XXXX XXXX. No debt exists. They simply move it from one company to another and then re-attach it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: WELLS FARGO & COMPANY
State: HI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did not receive a bill in the mail from Wells Fargo Dealer Services for my monthly auto loan payment. I was subsequently charged a late fee. The following month, I did not receive my bill again so I called customer support to address the matter. To avoid another late fee, I elected to pay the bill over the phone. The representative confirmed that I would be charged my monthly payment due of {$210.00}. My bank account statement shows I was charged {$220.00}. I called customer service again to rectify the issue and they removed the additional {$10.00}. The conversations were recorded. 

I want to report Wells Fargo so that they are investigated to determine if this is a regular occurrence.

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 2022-10-04
Company: PDQ Services, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation