BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am writing in reference to a negative pay status which has been placed on my credit report, per USAA ( USAA, account #, XXXX XXXX XXXX XXXX XXXX, Tx XXXX, with a payoff balance of {$7800.00}. In XX/XX/XXXX, my husband Filed a Bankruptcy, Chapter XXXX. His BK, XXXX requires his to pay back 100 % of his debt. Within 1 month USAA has sent 2 different comments to the credit bureaus in reference to a negative pay status on my credit report. One was on XX/XX/XXXX, and the next comment was 16 days later, on XX/XX/XXXX. The comments are vindicated, the comments state the account is open, closed, charged off, sent to collection, profit loss, delinquent and write off. Which in fact the account has been included in the BK XXXX. I have read, the above charge off comments, are established after 6 months, not 1 months, as USAA has done. I filed a dispute with the three different Credit Bureaus, XXXX has completed their investigation and the Results summary states VERIFIED AS ACCURATE AND UPDATED. 

USAA is trying to receive payment twice while trashing my credit, providing they are receiving 100 % payment from my husband BKXXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICAN MEDICAL COLLECTIONS is saying I owe {$1600.00}. I am a XXXX XXXX, XXXX XXXX XXXX Veteran. All of my treatment is received at XXXX XXXX XXXX XXXX XXXX. Additionally, I have XXXX and XXXX XXXX XXXX XXXX. This company is harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: AMERICAN EXPRESS COMPANY
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I logged in to AMEXs website to check the status of my XX/XX/XXXX XXXX XXXX complaint which I hadn't heard about in months. AMEX claims they notified me, but they sure did make it hard or impossible to find any information they claimed to have sent me. I saw that they had closed the case in XXXX XXXX 's favor, but I couldn't see any documentation that shows what evidence they provided. So I chatted in to find out what evidence was provided. The rep said they couldnt see any evidence. So this looks like AMEX is purposefully protecting XXXX XXXX. I asked to reopen the case and the rep did. I also told the rep I have image evidence of my claim. I uploaded those images. The rep said he reopened the case and that AMEX would review the images and case within 48 hours. On XX/XX/XXXX when I logged in to AMEX, I saw that the case had been closed again and that the reason was that I couldnt open a new case for the same transaction if it had been closed past 30 days. I only found out that the case was closed 1 day ago because of their poor or nonexistent notification. On XX/XX/XXXX I spoke with a series of reps who admitted the XX/XX/XXXX rep lied, but they couldnt do anything about it. They offered a measly {$10.00} credit after I asked for a full reimbursement of the original {$140.00} charge. Im now stuck with a defective pair of shoes that gives me blisters and Im still out of pocket {$130.00}. 

The original claim was for defective shoes. I can provide CFPB the images if needed. XXXX XXXX has been no help in this process, hence why I reached out to AMEX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-26
Company: Bread Financial Holdings, Inc.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a pair of shoes from XXXX and paid with PAYPAL credit- the shoes were sent in the wrong size ( box said one size shoes another. ) I was willing to send shoes back at the sellers expense. I contacted the seller and they did not resolve this. I filed a dispute with PAYPAL and their response DID NOT even address my issue. It was clear they did not even read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: The J. G. Wentworth Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear CFPB : I am trying to Refi to consolidate my debts so I can only have one payment : home mortgage. 
Company : J.G. Wentworth Date : Wed, XXXX XXXX 2017 XXXX XXXX PDT From : XXXX XXXX ( my loan officer / LO ) To : me ( my email ) Subject : Update on your home loan inquiry After this only one and initial contact, I could never contact my LO again.
I left her emails and vmails but to no avail. 
I have NO idea where my loan is standing. 
I have to go to her Supervisor to obtain the Appraisal Report that I paid outside of closing. 
I think there is something " fishy '' about this LO. Why do you have to hide from me, your customer??? ( figure of speech ) Please help. 
I have NOT signed the closing paperwork yet, and I have the 3-day Rescission period to protect me, a borrower.
May I ask you to intervene to find out why I am being left stranded.
I will look for another company to Refi. 
Thank you very much, sir/ma'am, s/Borrower PS : to all borrowers out there, please DO NOT GO TO J.G.WENTWORTH TO OBTAIN A LOAN. SOMETHING " FISHY '' IS GOING ON WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need to dispute XXXX charges made with my debit card, because the shop never sent the items to my address and never provided any tracking number ior information of the shipment. 
1 : XX/XX/XXXX, XXXX : It was a XXXX XXXX phone, must be delivered on XX/XX/XXXX 2. XX/XX/XXXX, XXXX : It was a XXXX XXXX phone, must be delivered on XX/XX/XXXX 3. XX/XX/XXXX, XXXX : it was an XXXX XXXX XXXX, must be delivered on XX/XX/XXXX XXXX. XX/XX/XXXX, XXXX : it was an XXXX XXXX XXXX must be delivered on XX/XX/XXXX I called many times to the merchant but they never answer the calls, and also never answered the emails. 

Also I tried to dispute this charge directly with the bank but they waiting time trought the callcenter was very long and they dont provide any other option to dispute charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Chime Financial Inc
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a online purchase on XX/XX/XXXX. After 3 months of not receiving my product I requested a refund which they agreed to. I filed a dispute with Chime bank on XX/XX/XXXX. It was quickly denied. I have opened multiple rebuttals since then. On XX/XX/XXXX I talked to a supervisor of the dispute department. He informed me that it probably got denied because it was filed under failure to receive goods or services, but since the company said they would give me a refund they denied it. They said they were going to file it as a failure to credit since I didnt get my refund. It was denied shortly after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In late '16, I was admitted to hospital and knew I was not going to be working due to illness. I contacted Navient and explained situation. They were very informative about my options and told me I need to fill out a form to have a deferment while I was unemployed. I asked if this was granted, I would not be officially behind in my payments. 
They stated I would be current and no late payments would show on my credit. I also asked if this freezed the loan and payment schedule, she stated it would. 

In XXXX, I checked my account to see when my payments begin and to my shock, interest was accruing during the ENTIRE deferrement period. In fact, I also noticed it had accrued from the moment I graduated. Noting this, my parents figured out my loan would cost over $ 15k in interest alone due to them NOT freezing the loan as stated and the interest over the life of the loan. 

As a result, I am fortunate that my parents paid off the loan in full to stop the bleeding. I now pay them a fair monthly amount with a fair interest payment saving me over $ 13k in interest alone. I know not every student is this fortunate, but I would hope the company would let us know that the day we graduate, interest starts. I would also hope they do n't tell other students looking for work that you can freeze your loan when in fact, interest is still ticking. 

I hope they cried when they received the balance knowing they lost out on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Possible Financial Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a payday loan with Possible Finance in XXXX XXXX. Shortly after opening the account, I switched bank accounts. 

We experienced a loss in the family and I had forgotten to update all of my accounts with the new bank information. I had attempted at several different times to get the payment method updated on the app and it would not allow me to. There is no way to contact Possible without submitting a ticket online. 

Again, not thinking this was a big deal, I did not submit a ticket and figured I would try again in the future. 

Today, XX/XX/2022, I noticed my credit report stating I was 30 days past due on the account and it has negatively affected my credit. Immediately, I logged into the app again and tried to change the bank account information. This time it allowed me to change the bank but would not allow me to change the payment method. 

With there being no way to directly speak with someone and escalate concerns, I am not sure how Possible is compliant with Fair Debt Reporting.

They want their money so badly, but force customers to jump through hoops to make the payment and punish them when they switch bank accounts and forget to update the information. 

The money is and has been sitting in my account with XXXX XXXX ready to pay Possible and now I am negatively impacted by Possibles subpar user interface!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Car dealer in XXXX created predatory loan, accepted the bad credit of the purchaser to cosign and co-buy the car, while original purchaser was denied loan due to poor credit, that same person was then allowed to cosign for the vehicle. I was under the impression that I was cosigning for the vehicle because I had more stability and better credit. The dealer allowed a XXXX old XXXX  XXXX with only partime employment to cosign. That person was told that credit would build based off of the purchase and car could be refinanced in original purchaser name after 6 months refinance later denied. That person gave trade vehicle not sure if value was added or deducted from the loan. I recently received statement saying payoff roughly $ XXXX less after first attempt calling out the loan terms. The original purchsaser took full responsibility for the car as would primary buyer, car was totaled X/2016. XXXX XXXX allowed only liability on the vehicle did n't require full coverage on financed vehicle of a risk loan. XXXX XXXX threatened to reposses the vehicle, if payments were n't made, no assistance only demand of payment. Car dealer finance mgr admitted to using the bad credit of original car shopper to determine finance charges it is 14.99 %. 
My credit has been severly adversely effected. I was charged a higher interest rate when processing to buy a home as a result. I had good credit and already had new financed vehicle that I am paying for. I did n't intend to purchase a 2nd vehicle the dealership was misleading when speaking to the original shopper about the vehicle she was only XXXX old at the time. 

I am now receieving notices of a payoff amt and it does n't include any info about the co-buyer. Therefore I assume this as I am being totally held responsible for the remaining balance This was predatory loan taking advantage of young shoppers. We were vulnerable and unaware of deceptive practices until I had a older family member thoroughly review the contract. 

XXXX XXXX of XXXX XXXX XXXX Capital 1

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I contacted CCS regarding a debt collection on my credit bureau. At that point, I had advised that I had never received a validation letter ( the rep gave an address in XXXX KS ) I then got a call from my old roommate advising they got a letter at XXXX XXXX XXXX XXXX XXXX KS regarding my debt stating I had a Settlement opportunity. As I advised I no longer reside at the address that letter was sent to in XXXX, KS This means that the validation letter went out and your rep not only disregarded this fact but sent an additional letter to the XXXX address knowing it was incorrect which violated my right under which I feel violates my rights under The US Privacy Act of XX/XX/XXXX 4 U.S.C. as well as violation of 15 U.S.C. Section 6801-8609 also known as the Gramm-Leach-Bliley Act. 

FDCPA/Kansas Consumer Protection Act On XX/XX/XXXX I called CCS and advised I had not received any validation notice and spoke with a XXXX who made a demand for payment on the account. I had advised under Section 809 of the FDCPA that they are required to send validation within 5 days of contact to which they had not done, I made a settlement offer which was immediately rejected and not proposed to her client, and advised I thought they were required to have their client decline the offer first. I was then transferred to XXXX XXXX. XXXX XXXX advised they were waiting on an itemization before sending out the validation letter. 

This is a clear and blatant violation of the FDCPA, as well as FCRA, as the item is still reporting to my XXXX credit bureau. I feel this is a violation of K.S.A. 50-623 ( known as the Kansas Consumer Protection Act ) as first I was in the validation window since I never received a validation notice, the account had been disputed, and an offer was made for settlement which CCS and its employees were legally required as well as had a fiduciary responsibility to take to its client which it did not. 

Additionally, I contacted your office on XX/XX/XXXX requesting your fax number and if you had an in-house attorney. The rep said yes and refused to provide this information. Please be advised I recorded the call and have a copy of the recorded conversation that adds to my claim regarding your deceptive practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I filed a dispute with the merchant, XXXX XXXX due to the XXXX Flash Cards I purchased on XX/XX/XXXX. I was not satisfied with the item, so I visited Paypal 's  website and talked about my issue, with the merchant not refunding my money. The dispute was filed on XX/XX/XXXX against the merchant, XXXX XXXX. and stated to Paypal Company that the XXXX Flashcards came in a white card board box that is the same size as the box. I did not open the box, nor did I like the way the box was, so I wrote refuse on the cardboard box. I left the box on the table in my residence building for USPS to pick up the package to return to the merchant. USPS accepts packages, if the customer writes the word, Refuse and Return To Sender on the package, without any other receipts given, as long as the package/box seal was not torn. I have a dozen neighbors in my building where I reside, as well as the Postal Carrier, XXXX XXXX, who has been delivering mail to my building for over 20 years and The USPS driver, XXXX, can all verify that the box was returned to the merchant with the address on the box. Also, the super of the building, XXXX XXXX can verify that the box was picked up from the building and returned to the merchant. Paypal had given a time frame to respond to the open case on their website and when I logged into the open case from my account, the system did not recognize me and I was not able to respond. Therefore, Paypal took the merchant 's side to not believe that I did not return the box and wanted my refund. I should have received my refund already from the merchant and Paypal refused to honor me temporary credit to my account when the investigation is gong on. It does not take eight for the merchant to refund a buyer, when I do not have the box in my possession anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently discharge from a chapter XXXX bankruptcy ( XX/XX/2017 ). We have 3 mortgages with Ocwen Loan Servicing and one of three loan # XXXX is one that we are having problems with. This account is showing {$5900.00} as Escrow Balance. The address of the property is XXXX XXXX XXXX, XXXX, Florida XXXX. I request a release of the escrow funds & have been refuse. There has not been an escrow payment attached to this account because of there refusal to make payments to the insurance company & tax dept. I was advised by the attorney to stop the escrow & insurance payments to them. All payments were stopped until the amount sent to them was satisfied, then payments were resumed. We would be satisfied with these funds being applied to the principal of the loan but it should n't remain in an escrow account. Our monthly payments ( principal & interest ) is {$120.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The company is not correcting the issue related to a closed and settled account being used on my credit report. The account was closed and settled per 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Recently, I did an investigation on my consumer report which has caused severe XXXX and anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX US SM BUS ADMIN ODA XXXX OF XXXX 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 non-monetary relief