BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-03
Company: EdFinancial Services
State: ID
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:
The " do not advance due date '' tab on there website doesn't work. All of my loans had been paid ahead to XX/XX/XXXX. I called in XX/XX/XXXX and asked that only my loan G have the due date be moved to XX/XX/XXXX. I was told by the agent it would be changed and he noted the account. I told him not to move any of the other loans due dates at all or dont move any loans due dates.They moved all of my loans due date to XX/XX/XXXX. I feel like they do not want me to pay off my loan with High interest rates and do everything they can to pay off the lower loan first. I have been fighting with them for the past few months trying to find a away to pay more on the loan G with a 6.5 % rate. With is the highest amount loan and the highest due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Portfolio Recovery Opened XX/XX/XXXX {$400.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 


XXXX {$1500.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX {$570.00} I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 


XXXX XXXX XXXX {$450.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XX/XX/XXXXin XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Fay Servicing, LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Fay Servicing LLC is attempting to seize/sell my Home at XXXX XXXX XXXX, XXXX, MA XXXX despite that we are in modification process to allow us to keep our home. We have a child who is XXXX, and we want to do every legally possible to keep him in this home where he was born and provide stability for him. 

In XX/XX/2018, Fay Servicing LLC through its Account Manager XXXX XXXX offered us a trial payment of {$1900.00} under Fay Servicing Modification Program. 

We quickly notified them that we could not afford this modification. We reapply for the modification, and in XX/XX/2018, we were asked for documents that we provided in the past and were told, they wanted different type ; which were submitted just a month before. For example, we provided XXXX XXXX XXXX Binder, it was accepted several times without objection, and were told they need the policy. 
We submitted everything and a new offer of {$1500.00} trial payment under Fay Modification Program. We were very happy that we finally got a monthly payment that we can afford. The payment was due XX/XX/2018. We made the payment online using Fay Servicing Website and not all the payment was taken. The website only allowed {$1300.00} to be paid. We sent the difference using XXXX through XXXX XXXX. Everything happened timely as requested. In fact, Fay Servicing us until the end of the month of XXXX to make that first payment to be able to accept the trial payment offer. In the middle of XXXX, the time for Fay Servicing LLC to accept the payment of {$240.00} made through XXXX XXXX expired online. 
We requested that they make an option available to received the difference, we were told that could not be done. As such, we tried another payment of what is allowed online. Another payment of {$1300.00} was processed XX/XX/2018 and applied through Fay Servicing LLC 's website which would now cover the full payment for XX/XX/2018 with the difference to be applied toward XX/XX/2018 's XX/XX/XXXXpayment. Two separate checks made online were sent for {$240.00} mailed to Fay Servicing LLC from XXXX. To our surprise, on the eve ofXX/XX/XXXX, we were served with Foreclosure sale notice sent by certified mail and first class dated signed by a foreclosure specialist from Fay Servicing LLC on XX/XX/2018.  Not even 30 day notice, and a notice that came while we were working to enter a permanent modification. 
It seems that Fay Servicing LLC has no intention to modify the loan and is playing tricks to come and get our home. 
We want Fay Servicing LLC to make good on this promise to a permanent modification that we have already accepted by making trial payments. I am not sure what is going on, but this is plainly malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to report that my rights are not being respected. I tried to solve this issue with JP Morgan Chase bank in the past but they did not listen to my request. This company is reporting a fraud related account. This is a violation under the FCRA. 

Back on XX/XX/XXXX, I sent them a letter specifying the account details and requesting this item to be removed. They keep on reporting this fraud account, they did not even investigate or mark the account as disputed, These are seriuos violations under the FCRA. 

I am giving Chase the oportunity to solve this through the cfpb portal. Again, this account is related to fraud. THIS ITEM MUST BE REMOVED. I am demanding Chase to stop reporting this account and A DELETION LETTER SENT TO THE CREDIT BUREAU AGENCIES AND TO ME FOR MY RECORDS. If they fail to remove this fraud related account, I WILL FILE SUIT. 

Account is the folowing : 1. JPMCB CARD. Account # XXXX. Date Opened XX/XX/2008. Status : Closed. 

Thanks to whomever reads my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX  XXXX Balance : {$15.00} ; XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for and closed a HELOC with Huntington Bank. Huntington opened up a checking account with the origination of the loan. I was asked before we closed the loan " would I want proceeds of the HELOC deposited into the newly established checking account? '' I said yes, in the amount of {$200000.00}. Unfortunately the loan processor made an error and issued a cashier 's check instead of funding the account electronically. On Wednesday XX/XX/18, I deposited the cashier 's check ( drawn off of Huntington ) into my new Huntington DDA. On Thursday, I attempted a wire which was rejected because there was a stop payment on the cashier 's check. As a result the my DDA was frozen for suspicious activity and has remained frozen for a week with no end in sight. 

In addition, I was led to believe the only freeze was regarding the online account access which I had to inquire a bit more thoroughly about only to find out the account is actually frozen. 

By the Bank 's own admission of error ( documented in emails ), I am no longer able access any of the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: ALLY FINANCIAL INC.
State: CO
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:
Ally Financial has reported me 30 days late on my very first payment that was due to them aprox. 9 months ago. I purchased a new car from a dealership in XXXX Colorado, the salesman told me the first payment was not due for 60 days from the date of purchase. Ally financial failed to send me an Invoice of the upcoming payment due date or a payment statement booklet. I never received a statement and 60 days went by. I still had received not statement so I called them, the then sent me a statement that I Immediately paid. Months later I checked my credit report and they had reported me 30 days late which is a ding to my credit score.  My credit score is very important to me and I contacted them. I spoke with several people and they did not remove it and months have gone by. I spoke with a women named XXXX who started a case number with me ( ref # XXXX ) I told her what had happened and that the salesman told me 60 days before the first payment was due and since I did not receive a statement from them I had no way to know it was due after 30 days not the 60 days I had been told. I pointed out that I have never been late on a payment to them and could they please remove the late payment as a goodwill adjustment. I just received a letter saying that they will not. Can you please help me with this situation? I have no late marks on my credit report ( except this one from Ally Financial ). The only reason that the incorrect information from the car salesman did not get caught before it was 30 days late is because Ally Financial did not contact me to tell me the payment was due in 30 days from purchase not 60 days from purchase. They should have called me or sent me an Invoice promptly but they dragged there feet, and this is costing me valuable credit points on my FICO scores. PLEASE HELP!! XXXX XXXX : XXXX XXXX XXXX XXXX Co. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I open a credit card with Kohl around in XX/XX/XXXX, they told me that they closed the account because I haven't use the card in 36 months, well that's was ok with me, but they also told me I can apply for a new one. So Saturday XX/XX/XXXX I was ordering some shoes online and apply for a credit card, and the response I got back from them is that I already have a open account, so I call them and they are telling me my account is closed, and I told them no it not because it showing in there data base that it's open. I ask them to send me a conformation letter stating it is closed and they refuse to do. They have my personal information floating around in there system, number one they did not sent me a letter saying they closed the account, and they still won't give me paper work confirming to me it closed. I believe something fraudulent is going on. I do have a copy of the screenshot they sent to me. I just want my account completely closed and I am no longer want a credit card from them or do any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an ANNEXE to my already filed application for assistance. 
Thank you for your quick response to my request regarding my foreclosure of 2012. I am glad that the Company had received my application and find out that we haven't given the opportunity to receive due process. 
Documents that were missing in my previous application are today submitted in Annex in order to have completed.

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 2019-09-05
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2015 I signed a lease on a XXXX XXXX XXXX. When talking to the finance manager I understood that my total price with all fees and included would be {$58000.00} in total. I also understood that I would be putting {$20000.00} which would include {$20000.00} down {$600.00} taxes and {$290.00} first payment. I also understood I would make 48 payments of {$290.00} that would total {$13000.00} which included {$7600.00} in that total for depreciation. So added with my {$20000.00} plus {$13000.00} my total I would have in this vehicle would be {$35000.00}. When I asked the fianc person how much I would have left at the end of my lease the finance person told me about {$25000.00} dollars. My total in was {$35000.00} you subtract that from {$58000.00} dollars you are left with {$23000.00}. So Im thinking this is great I can pay cash for the car at the end of my lease. Now Im at the end of my lease I found out from gm financial P.O. XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX that my payoff is {$31000.00} and the finance guy obviously lied to me. This total which would be {$35000.00} that I have already paid plus the {$31000.00} they want me to pay would make the vehicle {$66000.00}. This total is know where in the contract? I was furious when I found out I started emailing XXXX XXXX the Ceo of gm XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX tel:XXXX. I got a response from gm financial they were no help. Then I got a phone call from XXXX XXXX XXXX Executive Resolution Liaison Phone : XXXX extension XXXX. They were no help standing by the company even if there wrong. They also put me in contact with XXXX financial director from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX. He was the same way not willing to look at the mistakes that have been made. In my contract I just learn the money factor should of been listed how they got the residual value it wasnt told to me and isnt listed on the contract. I have tier 1 credit and was told my residual value shouldnt be this high. Also on XX/XX/2015 I was sent a notice my contract wasnt right and no need to do another contract. In my contract listed on line 20 it plainly states that any changes a signature by me an the dealership must be in writing. Which they didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
After COVID I am doing audit of airline and charges that was overlooked in XXXX, XXXX My nephew graduated from XXXX in XX/XX/XXXX We were charged for cap and gown and ceremonies {$1600.00} to my nephew XXXX Screen shots attached On XXXX, XXXX I was charged by XXXX  for {$1300.00} which I do not know what for I requested a credit of graduation ceremonies, cap and gown which was never held due to COVID Now I see to date thru all my subsequent statements that no credit or refund was given Thgis complaint complements additional info on # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
False repossession and delinquent accounts plus a whole bunch of credit inquiries on my XXXX, XXXX  and Equifax which are not mine. I've been wasting alot of my valuable time just on the phone and disputing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Friday, XX/XX/2021, I payed my debt. I asked for receipt, and XXXX ( they were hired by LVNV FUNDING LLC ) said give until Monday and send the receipt back signed. I did I waited up until that moment and called them back to ensure they received it. They claimed they did and the XXXX balance paper would be sent to in 24 to 48 hours. On XX/XX/2021 I called them and they claimed they never received the signed receipt. I told them a previous representative claimed they did receive it. They said I would have to send it again and give it another 24 - 48 hours. I ended the call and decided the FTC would be the best course of action. All they did was claim I never made contact with on Monday XX/XX/2021. I simply want a XXXX  balance letter, but they only seem to be having me run around in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian re-reported a deleted account from XXXX XXXX XXXX XXXX, however I was not notified within 5 business days of the reinsertion. XXXX   deleted the same account and was never reinserted. It is important to delete the account from my Experian credit file to show accuracy. This inaccuracy ruining my credit file. Pursuant to the FAIR CREDIT REPORTING ACT, PLEASE COMPLETE THE REMOVAL WITHIN 30 DAYS.

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 2023-02-03
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I, XXXX XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$8700.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Discover Bank on XX/XX/2022. They accepted my instrument, but did not credit my account correctly. I did call on ( date you called ) and spoke with ( all the people you spoke with ) recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company response to consumer: Closed with explanation