BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: SUNTRUST BANKS, INC.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I issued an money order on XX/XX/XXXX-submitted to my apartment manager for payment, 2 weeks later i got a notice telling me my rent is past due- $ XXXX-money order payment thru XXXX XXXX. I called XXXX XXXX to report stolen money order and it had been cashed on XX/XX/XXXX- to sun trust bank, not sure of which bank, XXXX XXXX will not provide me with that information. I worked with XXXX XXXX for several months, then i get a letter where suntrust bank denied paying of stolen money order.
I have never met or seen the person whom name-XXXX XXXX is on this money order. The money order was cashed without a signature and identity.
I had to pay a double rent of {$560.00}, for the month of XX/XX/XXXX, which caused me hardship as a single parent withXX/XX/XXXXchildren and XXXX XXXX XXXX, and I do not get any government services. I can not afford to loose that much money.
XXXX XXXX did not require me to do a police report, because they stated they could clearly see money order altered and I did a affidavit and it was notarized, if there is anything else I can do please let me know..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: General Motors Financial Company, Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I left a lease early and leased another vehicle with the help of the factory. The finance company assumed a very aggressive estimated future property tax amount. I knew it was too high and told the company I would pay them {$150.00} a month until the actual property tax bill came in. The estimated tax was hundreds of dollars higher than the actual number. I confimed that number with the local municipality. I called the leasing company with this information and they informed me that they would look into it. I never received a call back or letter regarding my issue and the leasing company continues to call looking for the fraudulent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Lending Club Corp
State: HI
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 Lending Club Corporation is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX, XXXX, & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Today,XX/XX/XXXX I tried to see my free credit report. I was charged 3xXXXX for their protection service that I never intended to join

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 2020-11-07
Company: AmerAssist A/R Solutions, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/XXXX, I was fraudulently charged for services that the company never rendered to me. I had an appointment for a dental procedure which was cancelled completely 4 days before that appointment I was then told to go to another dentist in a different town as my only option. However, when Got there ( XXXX XXXX ) the dentist did not perform the procedure on me he only rinsed my mouth and sealed the opening with putty and I was then told by him to go to another dentist to finish the job ... When I got to the new dentist they put a cap on the area without doing my treatment whatsoever and said I was done. The next day I called the dental office XXXX XXXX and told them that my work was never completed. The lady lied to me and denied everything and Ive been contacting them for months. Already paid XXXX $ for the cap that they put on but realized I was being charged another XXXX $ for work that was never performed. I noticed the charge on my credit report and disputed it XX/XX/XXXX and have been contacting them ever since with no results about why I am being charged for work that was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX XXXX XXXX entered into a consumer credit transaction with Capital One Bank NA. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash. if the finance charge does not include cash why is there alleged Late Payments reporting on my consumer reports this is false and inaccurate information.Capital One Bank NA is in violation of the Fair Debt Collection Practices Act pursuant 15 USC 1692j for furnishing deceptive forms they are also in violation of 15 USC 1692e ( 10 ) for false and misleading representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Navient Solutions, LLC.
State: MO
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:
Navient encouraged me, as a borrower, to refinance multiple times rather than proceed with the income-driven repayment plan I had re-qualified for. 

Back in XXXX of 2021, after prequalifying for an income-driven repayment plan of $ XXXX for XXXX years and the remaining balance forgiven, Navient bombarded my email with notifications XXXX " Take Immediate Action '', " Congratulating '', and " Alerting '' me to complete the offer " before expiration ''. In my ignorance and anxiety caused by the urgency they were insinuating, I thought Navient was notifying me to begin my XXXX plan. However, after completing the process via the link they sent me multiple times, I was contacted by a representative with devasting news. Instead of encouraging me to move forward on the income-driven repayment plan I had looked into and prequalified for, Navient was actually urging me to move forward with refinancing my federal loan to a private loan that offers no income-driven repayment plan. Now, rather than the repayment plan of $ XXXX for XXXX years and the remaining balance forgiven, I am being told I owe $ XXXX for the next XXXX years. And because it's now a private loan I'm no longer eligible for any assistance based on my income. As a single mom of XXXX kids, this is completely unattainable. I've tried sharing my situation with various representatives and supervisors, I've even reached out to a lawyer and am being told my only option XXXX be to file bankruptcy! As someone with good credit and no other debts, this is both terrifying and completely unacceptable. 

Navient truly deceived and bullied me into believing I had to refinance. All I wanted to do was set up manageable payments to take care of my school loans, yet now I'm faced with this additional financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy Court, regarding an entry appearing on my XXXX Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy Court, confirming that the U.S. Bankruptcy Court doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the XXXX Credit Reporting Agency , in which XXXX reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court ,

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 2017-11-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I open up a XXXX gold checking account back in the beginning of XX/XX/XXXXI had two check deposits which one of the deposits was my settlement for my attorney for XXXX + the second deposit that I had made into the account was XXXX the check was given by my employee supposedly the XXXX  check got returned back to my employee because of being a bad check so because of this matter citi Bank decides to close my account on XX/XX/XXXXhave to closure of this account till today I 'm not being able to access any my funds and the reason is they do n't have no reason they stayed that I have to wait about 60 days in order for me to have access to my funds, why I have to wait 60 days for no reason of the closure of the account and every time I 'm calling the representatives to the fraud department in going to the bank and nobody is giving me a decent answer I 'm getting run around and trying to understand why am I being held for my money for 60 days, i have XXXX  kids XXXX XXXX and XXXX XXXX XXXX i work hard for my money barely making with that paycheck week by week and the fun that I have in the account that I have to wait for 60 days which has nothing to do beeing my fault which now its going to be hard for me to support my XXXX kids not having access to those funds whoever 's going to read this message try to make things work because there 's no such a thing holding funds for 60 days without having any good reason if that was the case why did you guys end up opening up the account in order to take the customers money give it a bad reason and take their funds and make money off of the customers money for 60 days until the customers is your money you 're taking that money away from my kids and because of this matter somebody 's going to be responsible for the damages if I can not buy any nutrition my XXXX kids or come up with a good reason that you guys holding my money for 60 days cuz my money is making money to your Citibank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt in the amount of XXXX from National Credit Systems is being reported on my credit report. I have requested validation of the debt. The company replied by sending a contract beginning XX/XX/XXXX and expiringXX/XX/XXXX and an account statement stating that my lease expired XX/XX/XXXX. The statement also says that the move out date was XX/XX/XXXX which is incorrect. National Credit System failed to send a lease renewal, a current contract saying that i occupied the complex during the time the charges were put on the account, and transaction history. I have let them know that they are reporting inaccurate information and that there was no contract with the company. I received an automatic message stating that the information is accurate and that it will stay on my report. As you can see the dates do not match up and there was never a renewal of the lease. The complex also received a 30 day written notice. Without the lease RENEWAL, the debt can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXXI contacted XXXX XXXX XXXX concerning six accounts reported to the credit agencies without being submitted for remaining payment to secondary insurance. It is the responsibility of the provider to seek payment due from the insurance companies listed on file. They only reported to my PPO coverage with XXXX XXXX and was advised denied for no referral on file. The billing department at that time is supposed to reach out to obtain proper documentation to have claims Re filed and paid. Instead they never tried to get paid they immediately decided the balance owed is mine without submitting to other insurance on file. XX/XX/XXXX I contacted XXXX XXXX XXXX and my pcp at XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The claims are being resent for processing and the XXXX XXXX Representative contacted all parties and advised will take two weeks to process and another 30 days for claims to reprocess and then secondary insurance will need to be notified of remaining balance owed to be paid by secondary insurance then if a balance is left I will be responsible for that balance. Since this is going on XXXX XXXX XXXX still have all accounts listed in collections knowing they have to wait for all claims except two to be processed. Two claims will be sent to secondary insurance XXXX XXXX assured for payment. Which at that time they are not allowed to bill a balance due to XXXX and XXXX regulations they are under a fee schedule. This should be removed from my credit until all processing of all accounts are complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Experian Information Solutions Inc.
State: TX
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 pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, 2014, we sent {$5000.00} toward bringing our loan balance down and request a repayment plan for the remaining balance behind ; Ocwen stated that they reinstated the loan-flat out lie ; they did not reinstate the loan. They have manufactured a response since I filed this complaint to try an cover up their trickery ; Ocwen stated that unless we had the total amount that they would return it ; they did not return the {$5000.00}.? ; They did n't offer a loan repayment at that time. Ocwen has one goal-to foreclose by any means ; I have the loan statement ( wow ) when this problem, if they really wanted to help could have been fixed before this. We asked three years ago who the investor was ; never received the any information ; requested a copy of first denial letter ; never received it. Ocwen 's statement is : Helping home owners is what we do '' yes right into foreclosure with trickery ; not sending documents ; making false statement and then manufacturing a response to a complaint filed that stinks to high heaven. Ocwen knows XXXX well they did not reinstate our loan after money was sent ; they sent us a default letter. If I had not us money to get a second opinion for a misdiagnosis of XXXX XXXX that XXXX made a mistake on, I would be XXXX today from taking XXXX XXXX that would have not been needed for something I did not have ; Ocwen could careless or the investor, but now they are trying to cover up an untruth. They had not intention of trying to help us, but help us right into foreclosure by telling us one thing and it not being the truth. Ocwen could have easily offered the repayment plan when the loan was XXXX behind, after we sent the {$5000.00} that Ocwen did not return? But now they send us some repayment plan documents on Monday.. this has been trickery from the start .... and they should be willing to fix a situation that we got played into, but now it had been exposed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Navient Solutions, LLC.
State: CO
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 began working for organizations that qualified for the Public Service Loan Forgiveness Program in XX/XX/XXXX I advised Navient that I intended to utilize this program. They did not advise to transfer my loans over or XXXX XXXX to begin the program, but said that I should make payments through them. They advised me in XX/XX/XXXX to consolidate my loans and again I advised them I was working for a XXXX that qualified for PSFL. I learned after consolidating that I will now receive no credit for my payments fromXX/XX/XXXX-XX/XX/XXXX Their response to my complaint was that there was nothing they can do but advise those representatives to give different advice in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: JPMORGAN CHASE & CO.
State: NJ
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:
After seeing a promotional flier for a Marriot Rewards credit card from Chase Bank, my wife and I opened an account when promised XXXX points and a free one night stay at Marriot if we  spent {$3000.00} within the first three months of the account. 

We spent over {$4000.00} and still have not received the XXXX points promised to us. Chase/Marriott have switched the offer to something that we did not agree to in the application process. 

I have called Marriott Rewards five times about this issue and I have called Chase two times on this issue and it still has n't been resolved. 

XXXX XXXX XXXX ( Chase card last four digits # XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Two Fridays ago today I was wrongfully " Denied '' a loan because of some unknown negative credit entry on my " Trans Union '' credit report. I immediately contacted " Trans Union '' to have them mail me my " Free '' copy of my " Trans Union '' credit report. They said that they would However, here it is 14 calendars later and I have still NOT received in the U.S. mail my " Free '' copy of my " Trans Union '' credit report per the Federal law called the " Fair Credit Act. ''

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 2021-04-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian. I expect that would be enough said. There are 3 items on my credit report that I disputed to no avail and their score for me is so way out of line with the other 2 agencies, I can't imagine how they are still in existence. What do we do about them? There has got to be some regulation on these clowns or what good is this so called FICO score?

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 2022-03-09
Company: CITIBANK, N.A.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke to Home Depot to notify of passing of relative. Let them know there is no estate or will or anything to collect from. Now they are sending correspondence to the relative daughter to collect on the debt that has nothing to do with her.

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 2022-02-02
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
REMEX INC at XXXX XXXX XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: NC
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry I am not familiar with. 
XXXXDate of Inquiry XXXX XXXX, 2020 2020

Company response to consumer: Closed with explanation