BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-17
Company: Constar Financial Services, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX Transaction : Thru XXXX. {$1200.00}. 
Item ( military XXXX & XXXX ) was sold on XXXX and payment received from XXXX. 
The purchaser then had buyers remorse and requested a REFUND. 
The buyer them shipped the item back without a proper XXXX # when XXXX arrived with the Package IT WAS XXXX LB 's lighter that original package that I shipped. ( XXXX was kept? ) So the package was refused. XXXX and XXXX have both put my account on hold. I have done {$60000.00} in business with them in the last 15 years? Have these people lost their MINDS? I 'm told this is a XXXX scam and they had a class action law suit against them in 2004 that they settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Netspend Corporation
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have contacted NetSpend 4 times via email regarding my inability to log in online. The issue is not due to clearing the cookies or cache of a browser because I can not log in with any browser on any operating system including : IOS, Windows, Linux, Chrome, Firefox, Safari, Internet Explorer. When I log into XXXX the page loops back to XXXX as if I have never logged in. 
This continues to perpetually loop. I am, however, able to log on to the mobile app and access my information. It is important for a consumer to be able to access all avenues the service/bank provides. 
NetSpend customer service gets back to me no less than 48 hours after sending each email. My fear is that the mobile app will not work after the next update and I will have no ability to access my account and be forced to pay the fees that NetSpend requires to make a call to the bank for any reason. 
XXXX 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 2016-10-13
Company: Universal Fidelity LP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The online seller company charged every cost of the order I placed before company shipped their products. No one online seller will ship out their product to buyer if they has not charge the full payment from buyer, either the payment method is paper check or credit card. In my case, this company always charged the payment from my credit card account. I can show all the payments I have paid and orders that I have placed.

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 2016-03-17
Company: Constar Financial Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Dear Debt Collector : I will like for you to cease and desists all communication with me, both written and verbal. 
You are now the XXXX or XXXX company that has contacted me regarding this a debt with XXXX. I have several vehicles with XXXX all in good standings. The vehicle in question was involved in a rollover accident and the insurance paid the claim. I have provided the information multiple times and consider this matter closed. 
I asked him to stop calling me and he became hostile. I asked for him to do some research and he told me it was my burden of proof. I explained to XXXX XXXX that I had already provided this information multiple times and it seems that they stop for a little while and then someone else starts calling. 
You are also calling my CELL PHONE and you do not have the right or the permission or my consent to call me at this number. XXXX called me multiple times XXXX at XXXX and again at XXXX pm on XXXX/XXXX/16. Is this harassment?

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 2016-07-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other

Complaint:
Chase Card has placed several inquiries on my credit reports ( XXXX, XXXX and XXXX ). These inquiries were done by someone over the phone and/or internet, using my personal information, fraudulently. The dates of these inquiries are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX These applications for credit was done fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
First I receive a credit card from chase I did not apply for and was told to create a fraud alert with one of the credit agency 's, which I did. Then today I am at a restraint trying to pay with a different credit card from chase and it was rejected. I spent over an hour on the phone going threw XXXX different levels answering the same questions correctly three times. The last Chase agent who was rude and totally insensitive decides to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hi, I suspect that my consolidated student loan with Navient is not being serviced correctly, which is causing me to pay more in interest. Specifically, the Navient website does not allow me to apply principle payments specifically to the unsubsidized portion of my loans. Also, I suspect that my payments on loans that are in deferment due to my graduate student status are being applied as refunds incorrectly. I do no know exactly how this is suppose to work, but I am noticing " accrued interest '' charges even though I am paying principle and interest on time. I have tried to contact Navient via the customer service feature on the website, but have received no reply. 
Thank you for your work looking into this!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Premier Portfolio Group
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
They are saying they are collecting a debt for a payday loan. When I ask for a validation of the debt they say they have sent it, but I have not recieved nything from them. Also I have told them it was included in my bankruptcy in 2013 and I have told them to contact my lawyer and to quite calling me. They calling me several times a day.

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 2016-08-23
Company: RR Resource-Recovery
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I cancelled my membership at XXXX XXXX. However they kept me as member for 4 more months. They sold my debt to collection company. Neither health club nor collection company did not provide me with any papers verifying my debt, membership status, payments etc. I sent multiple written requests to collection company asking to verify the debt and send me a breakdown but never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2015 I have contacted Trans Union about a XXXXPublic Record being reported on my consumer report, I provided letter ( s ) and a copy of my police report and fraud victim identity theft affidavit in support of my dispute. The name of the creditor that reported the Public Record to Trans Union is ( XXXX ). I further advised Trans Union that when i reached out to the court they advised me that the information I 'm providing is not correct or not the same on the court records. Therefore someone used my name to file for this fraudulent Bankruptcy account.

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 2017-03-11
Company: Netspend Corporation
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My son received an UN solicited debit card in the mail today ( XX/XX/2018 ) from Netspend. 
( issued by XXXX ). The fine print says that that he received the card/ " We received your name and address because you indicated interest in receiving offers similar to this one. '' My son did not/ has not done so.The additional fine print says " To decline this card offer and/or opt out of future mail offers from us, call XXXX, e-mail consumer XXXX, or write to : XXXX, TX XXXX. Please allow 30 days for processing of your request. '' Please advise as to my son 's recourse in this matter. 
I want to decline/ ignore this UNsolicited " offer '' but we do NOT wish to " play their game '' of having these scammers continue to bother us. 
Thank- you for your prompt attention and action on this matter. 
Sincerely : XXXX ( fatherXXXX XXXX XXXX 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 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion removed several inquiries and accounts from my credit report on XX/XX/2017 and later put them back.

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 2015-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX hard inquiries in my credit report and I have not asked for any credit in no place. It appears on request at XXXX and the other at XXXX ON XXXX XXXX. And Have other on XXXX for XXXX made the day before XXXX XXXX. Please investigate asap. 

Thanks In AdvanceXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
XXXX separate hard hits to credit by XXXX on XXXX/XXXX/16, XXXX XXXX in XXXX on XXXX/XXXX/16 and XXXX XXXX XXXX on XXXX/XXXX/16 were not authorized by me with any signed paperwork. These loans were not authorized and nothing was closed by me. Dealership was shopping to try to get a deal done that never happened.

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 2016-08-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for ALLY FINANCIAL to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

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 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX was reinserted back onto my Traunsunion Credit file. This account was previously deleted and needs to be removed immediately BecAuse the account is not mines.

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 2017-03-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was informed that XXXX had changed to Navient around 2010. It was at this time my loans was in default, with both the college and the Federal Government. As a result I was not able to request official transcripts from my XXXX and XXXX schools. 

When I had contacted Navient, to " bring my account up to date '', it was a verbal agreement ... agreement that was not made clear of how much interest would be accrued, nor alternative ways to get my account out of default. However, I was told I was not able to receive financial hardship because I was employed, and now that I have exceeded the verbal agreement, I am now responsible to pay an unreasonable monthly payment later this month. 

I tried explaining how the I paid my own college tuition, and how I worked 3 jobs to actually persist to graduation. I went to XXXX after earning my XXXX and began working in Higher Education. I am now a single parent, working in Higher Education at a XXXX, and am barely making ends meet with the cost of living and child care, let alone attempting pay off a {$93000.00} unpaid principal. 

If I was made aware of other options, I would have taken them into consideration without unknowing agreeing to have to pay so much interest, not the actual loan ( s ) itself, just to bring my account up to date. Please advise! 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: ALLY FINANCIAL INC.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
when I got the loan in XXXX 2015, I told the dealer that a due date of the XXXX would not work for me can I change it. They told me yes contact Ally and they will change it. When I spoke with Ally I asked about changing due date, they told me to make XXXX payment then they would. I inquired again on their website and was told to call. The agent I spoke with said it was changed and I had to pay a fee of XXXX for the change. She did n't say when, said I would get it in the mail. Today XXXX/XXXX/2015 I have been called by Ally collections XXXX times and it is only XXXX am. I spoke to them on the last call and the agent told me I have to pay now, today or it wont go through. I told her that was why I changed dates so it wont be late anymore. She kept pressuring me to pay now, or this week. XXXX I was never told of the change fee originally, XXXX if my due date is not until the XXXX now why are they calling still asking for me to pay. I explained to the girl today that XXXX of the month I have rent, utilities, other car payment, insurance and there is just not enough to pay the XXXX payment. the middle of the month is good for me and I can pay then and not be late. She would n't listen only pressuring me to pay now and said I would have late fee if I do n't pay. How can I have late fee on something not due yet? On top of that Ally uses off shore people to handle their calls and they do not speak XXXX very well. Hard to understand them and they can not understand you. I could tell she was just reading from script. I am trying to save everyone time and money by changing dates but they are making it very difficult.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
experian has updated false information, that is very harmful to the credit standing on experian personal credit report ( included here ) .the final and last payment on this forclosed real estate loan was XXXX.that means this account is far beyond the 7 year limit of negative reporting.I have obtained a complete payment history of the loan from XXXX XXXX XXXX today ( incuded here ) .the XXXX XXXX XXXX account number is XXXX. 
THIS ACCOUNT ACCORDING TO FCRA MUST BE DELETED IMMEDIATELY, XXXX AND EXPERIAN BOTH HAVE LEGAL LIABILITY.

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 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016, I checked my credit report, all of my inquires were deleted from my credit report. I logged in today and there back on there. As a result my score went down.

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 2015-09-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a loan modification from Ocwen Loan Servicing on our first mortgage, acct XXXX. Submitted all the required paperwork a minimum of XXXX separate times. 
On XXXX XXXX, 2015 we received a letter from Ocwen stating we were delinquent and in default. They stated beginning in XXXX 2015 through XXXX 2015 they did not receive payments each month of {$570.00}, and that we needed to pay {$1300.00} to bring the loan current. Against my better judgement, we sent them an overnight XXXX of {$1400.00} using our XXXX. I checked with Ocwen this morning, they received the payment. Anytime we have called their Customer Service we get nearly impossible to past impossible people with extremely foreign accents, and everyone of them claims they can not hear us - we have yell ... .I am attaching a copy of the letter we received, along with bank extracts showing our payments for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2015 ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchase a XXXX XXXX XXXX on XXXX/XXXX/XXXX in at the time they charged me a high interest rate of 9.64 %. I was a college student and I paid faithfully until I was injury on my job as a teacher assistant, then they came and taken the car from me in the year of XXXX, after I informed American Honda Finance Corporation my status, that I was on workman comp and I paid faithfully and they the American Honda Finance Corporation just up and taken my vehicle, which caused me hardship. The company did not even try to work with me, and I was paying what I could, the American Honda Finance Corporation repossessed my vehicle. I feel like they did me wrong, after I had purchased XXXX XXXX most of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: IQOR US INC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been XXXX contacted by Allied Interstate attempting to collect a debt on behalf of XXXX. A call to XXXX confirmed my account with XXXX was paid in full when the account was closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief