BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After I moved out from XXXX XXXX in XXXX, FL, I paid all the monies I owed them, including the alleged amount they reported to the Credit Reporting Agencies ( XXXX, XXXX and XXXX ) for the amount of {$420.00}. I have sent multiple letters on this matter to the apartment complex company and the credit reporting agencies and have fallen on deaf ears. I included on my communications a screen shot from my bank account in which clearly anyone can see that I have paid the alleged owed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debtor Collected final payment and I closed my account with Navy Federal Credit Union in XXXX XXXX with no late payments. This was on a secured Visa card with a security deposit of {$1200.00} on it. Company did not offer pre-paid debit/credit cards and advised this was best route, a secured card. Was immediately issued a card and used for a couple of months. Never paid back balance and asked them to just close my account. They said they had closed and I had stopped receiving corresponding mail from them, then I receive a checking account security lock on my account because of it and limited access services-wise, then a denial of services all together. Found out they had not closed my account and unauthorized charges were accrued on my account which then resulted in unknown prolonged delinquencies and an account balance of {$85.00}. The amount accrued for the high credit limit field in the 7 major credit bureau reporting of the file. File wasn't officially closed until XXXX XXXX. Contacted creditor and they refused to do business with me again due to this fraudulent activity in which occurred on my account ( s ). I request immediate deletion of this reporting from the 7 credit bureaus due to it's ; unfair, non-current, derogatory payment history and status on my report. Credit reporting from Navy Federal should include final payment activities and an updated statuses due to the no longer delinquent accounts, which they fail to do. Please, assistance in this matter is needed and resolution is as easy as deletion of unverifiable information that can not be verified with myself or the representatives spoken to via phone call and written correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a XXXX XXXX at the end of XX/XX/XXXX. The lease ended XX/XX/XXXX. All payments were made on time. I leased a new XXXX XXXX in XX/XX/XXXX and was told I would not pay a disposition fee on the XXXX car. When I attempted to return the XXXX car at lease end, XXXX XXXX in XXXX XXXX, CA refused to accept the car. GM XXXX also refused to accept the car due to the covid pandemic. I made over one dozen calls and emails to XXXX to no avail. I had to store the XXXX XXXX  and pay insurance on the car against theft or damage. In XX/XX/XXXX I was contacted by GM Financial and they made arrangements with me to pick up the car at my home. After the car was picked up I received a bill from GM for a repossession fee and a disposition fee totaling {$710.00}. After repeated phone calls to The Lease End Dept, I gave up. GM Financial subsequently sent a " Charge Off '' to the credit unions and lowered the credit rating on my credit and my husbands credit over 100 points. I decided to file a small claims case against GM Financial XXXX. I contacted the Secretary of State to find the GM Agent for Service in Calif. All of the previous GM agents are suspended and there is no agent at this time. The Secretary of State legal dept could not help. I called the legal dept at GM Financial on XX/XX/XXXX. They said I would receive a call back in 24 hours - but no call came. I need to find someone to serve for my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Parents died left the property behind for me the son and the grandkids. Parents had asset protection which protected us from having to probate. Funds that were available three this insurance was given to Ocwen. I was then instructed to provide proof of homeowners insurance, due some maintenance to the front tree. I completed the loan paperwork and never received documents explaining I was denied and for what reason. Then I had a lady come to the property telling me she bought the property and if we would accept money to get out as soon as possible. I contacted Ocwen and was told that they sent documents to this address and couldnt tell me if they addressed them to me or to my deceased parents. I was basically told I couldnt do anything but get out because the property has already been sold. I want to file a complaint towards Ocwen for the illegal approach they used to take the property that my parents worked hard for and if theres anything I could do to keep my property or get compensated for all my loss. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On multiple occasions between the end of XX/XX/XXXX to XX/XX/XXXX I made contact with Navient in regards to my private loan payment that was back into repayment. 

I spoke with a representative at length and explained that I was not in a position to afford a {$290.00} payment due to financial hardships-divorce single mom etc. The customer service representative went ahead and specifically communicated that she was going to place my loan into deferment for 1 year. I agreed to the terms and politely thanked the representative. About 2 weeks later my co-signer called me in regards to harassing phone calls happening multiple times a day in the mornings at about XXXX straight through the evening until XXXX. These calls state that I am past due on my payment etc. 

I explained to my co-signer that I spoke to someone and was able to place a deferment/forbearance on the account. I then called Navient again spoke to another customer service representative and explained how the week prior ( end of XX/XX/XXXX possibly first week in XX/XX/XXXX ) and the agreement that was made. 

The young woman reviewed my file and quickly apologized and stated, " I am so sorry but that person was not permitted to provide that information or that agreement to you. '' I was immediately irritated and asked what do you mean. She said they didn't know what they were doing and that this was not something they could provide me for my private loan. 

I then was placed on several holds where she informed me that there was nothing they could do to help my financial situation and when I stated then I was going to unfortunately default on my loan unless they can get my payment down to about {$150.00} a month. She then placed me on another hold and came back and said, " ok what I am going to do is set you up on a payment for 6 months of {$150.00}. '' I quickly responded that I could make that payment and set up an automatic recurring payment for the next 6 months. 

On XX/XX/XXXX that payment successfully cleared my bank account. Today,XX/XX/XXXX my co-signer contacted me saying that Navient has been calling him about me not making my {$290.00} payment. I then called Navient again and asked to speak to a rep. in private loans. Upon speaking with them she stated that my new plan of {$150.00} was denied. When I asked how it was denied because they already took my payment she placed me on a hold to speak to her manager. She then came back and told me that they would get everything corrected and I would be placed back on my interest bearing forbearance to only make the {$150.00} payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Navient Solutions, LLC.
State: NY
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:
My name is XXXX XXXX. I took my loans out when I was a student at XXXX University. I was an education major and upon graduation got a job at XXXX XXXX XXXX at which point I began to repay my loans. At the time my loans we're being serviced by XXXX. I consolidated my loans as per the advice of the company servicing my loans. XX/XX/XXXX my loans we're handed over to navient which is where they are being serviced now. I reached out several times about the federal loan forgiveness program in which I was advised I would be eligible for however after making payments all of which we're on time from XX/XX/XXXX to XX/XX/XXXX I was just made aware that I am not eligible by Navient. I received and continue to receive incorrect or inaccurate information from Navient which is now leading me away from being eligible for the student loan forgiveness program I was trying to be part of. I have tried to call the federal student loan forgiveness program to see if there is anything I can do however when I consolidated my loans apparently I needed to do so under a different loan category called direct loan. I was obviously never made aware of this when I made the decision and was never made aware of this even after I made this decision. Only now, did Navient make me aware however they also said that my 120 payments that I made which would qualify me for the forgiveness program would be reset if I re-consolidated to direct loans. I feel so disappointed that the company hired to service my loans and act on behalf of my best interest is not and did not do so when the timing was so crucial. Unfortunately, there is no company or department out there that is able to hold companies like this accountable for their lack of knowledge or for providing customers with incorrect information. It seems to me that I am not the only person that was mislead. The problem is now that according to Navient and the Federal Loan forgiveness dept, it is too late to make any changes that will allow me to be eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank promised bonus when direct deposit is made. I fulfilled this requirement, but haven't seen the bonus posted.

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 2019-05-21
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX XXXX and I'm a retired XXXX XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX   and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! XXXX 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 2019-05-03
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SUNRISE CREDIT SERVICES ( XXXX ) opened a collection on my account for XXXX $ supposedly opened on XX/XX/XXXX. I have disputed this account and nothing has changed yet. I have asked them to show proof but has not received it.

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 2020-05-01
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent written notices to Merchant 's Credit Group that I disputed the above referenced debt, and requested validation THREE times. 

On XX/XX/XXXX, I sent them a validation request. I never received any paperwork they stated they mailed out to me. After the 30 day time frame for Merchant 's Credit Group to given to validate the debt, I received a computer generated statement stating the original creditor, account number, amount, the last four of my social security number along with my first and last name. I sent them a letter demanding them to delete the account due to NOT validating the debt with the 30 day frame. The account is still showing up on my credit reports. 

On XX/XX/XXXX, A Female supervisor inform me that shes NOT allowed to verify the info over the phone but demanded I give her my information in order to proceed. She lied to me that Merchant 's Credit Group never received my DV letter and then put me on hold for 10 minutes then informed me they did receive it. She refused to provide any information over the phone. She then raised her voice at me stating that Merchant 's Credit Group sent everything to me, and to deal with it myself and hung up. 


Merchant 's Credit Group has not responded to any of my validation requests mailed to them. 

On XX/XX/XXXX, due to Merchant 's Credit Group failure to validate the debt 3 times, I sent them a Notice of Failure to Validate Debt of Account No. XXXX and demanded the account be removed from all three credit reports. 

Merchant 's Credit Group has not provided a signed contract showing my liability by corresponding my Social Security number with my signature to ANY of the validation requests and nor removed the account after receiving a Notice of Failure to Validate Debt of Account No. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Paypal Holdings, Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX a transaction was made for {$50.00} plus {$4.00} fee/tax totaling {$54.00} from my account to a XXXX XXXX ( XXXX ) via PayPal!! I have been scammed!!! Ive filled a dispute with the above named person to get my money back, also with PayPal and my account holder, but I havent heard anything back from anybody and I have not been refunded my money!!! PayPal tells me I have to file with my account holder and my account holder says I have to file with PayPal!! Its been over 20 days and I still have yet to hear anything or receive my refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Refund processed received. XXXX payments totalling {$1800.00}. Balance outstanding raised by {$1800.00}. 

XXXX checks received in the amount of ONLY {$1700.00}. 

How? One payment was duplicated while another was left off. 
Each payment was made for a different amount so it was easy to see. 

XXXX checks were issued for XX/XX/2020 payment of {$100.00}. No check was issued for XX/XX/2020 payment of {$160.00}. 

I am still owed {$57.00}. Checks have been deposited. 

Will attach info and copy of checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Uplift, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Tried to log into their payment portal multiple times to make a payment prior to it being 30 days late. The only way to pay is with a debit card that requires text sent to your phone before it will let you log in. I was unable to log into their site and tried to resolve this with the company- no one was able to assist me. This lead to my payment being processed a day later than expected and to a " 30 day late '' payment on my credit report despite my multiple efforts to pay prior to this with no resolution. The company has no response to me in regards to their website repeatedly failing resulting in me not being able to access the code to log in. This does irreparable damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To Whom It May Concern : This is the appeal that I filed with the Office of the Comptroller of the Currency that I also want to share with your organization. 

I am filing my Tier Two Appeal for Case # XXXX because I need to clarify my situation. On XX/XX/2020, I transferred {$56000.00} from my XXXX XXXX account # XXXX to my suppler, XXXX XXXX Chase Account # XXXX. XXXX at Chase XXXX put a hold on my suppliers account and then closed it for unknown reasons. The case # XXXX was given to my supplier, XXXX XXXX. What is important to know is that XXXX has made as many as 15+ communications to Chase without a response. They tell me that it is up to Chase to give an explanation and cant help any further. 

A week ago, a XXXX, Senior VP, XXXX XXXX, XXXX, XXXX who was looking into my case called me and told me that after 69 days, Chase was going to reissue a cashiers check to pay me but it was going to take another 90 days meaning I would not see my {$56000.00} bank in my account until XXXX because they lost the original cashiers check. 

You should know that I have my home mortgage with Chase and my XXXX  credit account has been with Chase for 20+ years. Im a loyal customer and being treated like this. I know that if this is happening to me it is happening to other loyal customers of Chase. They think their untouchable resulting in my closing my XXXX XXXX  and laying off XXXX. 

Someone at OCC needs to contact XXXX XXXX, CEO,  XXXX, XXXX to let him know of the incompetence of his Chase employee who has caused my XXXX XXXX  and many others to close their doors during the Covid-19 epidemic. Please help me with this situation. This should not happen in America. 

Best regards, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX DRE # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit investigation request to Trans Union well over 30 days ago. I have not yet received the results of my investigation.

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 2021-03-25
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: Their investigation did not fix an error on your report

Complaint:
I am writing in regard to the above referenced accounts and transactions. I have continued to call and write to the companies and the credit bureaus about my credit report. I do not get responses from no one. XX/XX/XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} XX/XX/XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} I have contacted the creditors and the bureaus in hopes of getting this matter resolved. They have not responded to any of my request via phone or in writting.

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