BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: GFS, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX   XXXX , with Shaffer Law,  XXXX , has called my place of employment 2 times in 2 days. The first call,  X/XX/17   ,  XXXX , asking for myself-  XXXX   XXXX  . I was on a phone call with a customer. The second call,  X/XX/17   ,  XXXX , he asked to speak to  Human Resources. H e asked the HR person questions, and wanted to know when I started working at my place of employment. I have already entered a dispute on the collection they are looking at. Yet, they continue to call my place of employment. I called  XXXX , and verified his name and correct spelling, and advised him- " I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I will be reporting your agency for this violation. Do not call me at work again. " I am working on my credit and taking care of thikgs as I can, but as I said I had already started a dispute when this  XXXX  called my HR co-worker today. I do not appreciate the harassment and embarrassment at my work, nor is it legal. I want action taken against this company.   Thank you for your time,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Mo  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Volunteer Mortgage Loan Servicing
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX. I own my house XXXX XXXX 1998 and never missed a paiement. Recenlty my mortgage loan has been sold to a new company, Volunteer loan mortgage servicing. It has been more than 6 months and this new company havent reported my mortgage loan to the credit bureau and it is hurting my credit report. I told them about the issue and they promise me that they would fix it but still nothing. I am applying for a home loan refinance but when my credit report was pulled my mortgage loan did not show. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, Truist XXXX XXXX XXXX ( headquartered in XXXX, North Carolina ) harassed me over the phone and by email regarding a joint checking account I owned with my adult son, XXXX XXXX. XXXX was rude, badgering, insistent, and in the end, threatened my job. I answered all questions asked including whether or not I kept cash lying around the house ( which was beyond all bounds of reasonable inquiry or decency ). Both XXXX and Truist refused to tell me what policy, regulation, guideline or law XXXX thought I may have violated that caused his investigation, even though both I and my lawyer asked repeatedly. I raised the issue of possible gender and/or race discrimination, as I was also a Truist / XXXX XXXX XXXX employee and no other or reasonable explanation for XXXX 's harassment seemed to fit. Just before XXXX, in XX/XX/2020, Truist / XXXX XXXX XXXX fired me and shortly thereafter Truist shut down all my accounts. I've never received any kind of reasonable explanation for any of XXXX 's harassment, e-stalking, or my being fired and having my accounts closed 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 explanation
Consumer complaint received 2018-03-11
Company: Experian Information Solutions Inc.
State: CT
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:
I HAVE BEEN A VICTIM of XXXX AND EXPERIAN AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON EXPERIAN BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/22, I booked a hotel with earn more mall and make a full payment. The amount is {$2500.00}, I should receive additional 2 % cash back bonus, the value is {$50.00}. But i don don't receive bonus yet. XX/XX/22 Wells Fargo rewards agent open a case for me and tell me wait 1 week, The cash back bonus will post my rewards account. My case number is XXXX, But after 2 weeks, I still not received my bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
i have contacted Goldman Sachs at XXXX in regards to the interest rate that appears to be a subprime consumer rate and informed Goldman Sachs about this and the customer service isn't able to rectify this issue my credit score is in the mid XXXX 's and i dont want this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My chase back close my personal checking account, and three personal credit cards with chase. I went directly to the branch and told me they could not disclose the reason for closing all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I traded in a leased XXXX XXXX  XXXX ( XXXX ) to XXXX XXXX in XXXX, MA. XXXX was given and accepted the vehicle, along with a then-current buyout balance of {$45000.00} payable to XXXX XXXX. 

As soon as I became aware of the account 's delinquency on XX/XX/XXXX, I contacted XXXX to expedite the payment ( they claim they sent payment to the wrong address ). This payment was finally received, per an automated " Payment Processed '' e-mail from XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX advising me that the account was still delinquent {$3600.00}. Upon calling XXXX ' collections department to follow-up on the account 's status, I was advised that the payment was received, but not applied " for some reason '', and that only " Customer Care '' could fix this. Due to the Coronavirus situation, they were not accepting inbound calls. I was promised a callback within 72 hours, which has not happened as of XX/XX/XXXX. 

Separately during this situation, XXXX was assessed excise taxes from the Town of XXXX, MA for a vehicle I no longer possessed and added the balance to my account accordingly. I attempted to file an abatement on their behalf, but the Town stated it must be abated by XXXX directly. 

On XX/XX/XXXX, per the instructions on the letter, I wrote to XXXX XXXX disputing the validity of the remaining debt. This was sent via USPS Priority Mail ( Tracking # 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 2019-12-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To Whom It May Concern, I'm writing because since Navient took over my student loan, I've been having a problem receiving my monthly statement. When they took over my loan, they wanted me to convert to an online payment system, but I said I wasn't interested. What started happening soon after was that they would occasionally not send me a statement. This happened several times and I would wind up paying the amount owed, plus a late fee. When I would call, no one was able to explain why I wasnt being sent a monthly statement. 

In XXXX of this year, Navient, without warning, stopped sending me a statement altogether. Months went by, and still no statement. During that time, I made several calls and whenever I asked why I wasnt receiving a monthly statement, no answer was given. During that same time, I also received several emails from Navient in which they were requesting payment. I tried to respond to their emails, but I was unable. Every time I would respond, my email would be returned unread. Because the service at their customer call center is substandard ( the last time I called I was left on hold for fifteen minutes and I hung up ) I tried to find a valid email address for Navient on their website so that I could explain my situation in writing, but I was unable to find a valid email address. Its possible I just didnt see it, but I dont think so. With any major company, you can go on their website and find their customer service email address in seconds, but not Navient. Why thats frustrating is because at this point, I have no way to verify that I have been contacting them in an attempt to rectify this matter. 

After reading about all the lawsuits that have been filed against Navient for taking advantage of their borrowers, the late fees they've manufactured against me seem a lot less shocking. At least I can take comfort in knowing it's nothing personal. On my last phone call with Navient, I said I would pay them everything I owe in full that day minus the fees which were accrued through no fault of my own. Navient did not accept that offer. A few weeks ago, I received a letter from Navient where they claimed that I opted to receive my monthly statement via email. I assure you that that is not true. At no point did I ever opt for a different payment method. 

I would appreciated it if you could look into this matter and possibly help me reach some sort of agreement. Im pretty much at my wits end with this company. Any help you would be able to provide would be greatly appreciated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I submitted a complaint to the CFPB ( Complaint number XXXX ) regarding Bank of America charging for NFCs. The case was closed by the CFPB, and I was told to contact BofA to get my issue resolved. They know nothing of the case, can not give me a written response to the complaint and I have been going around in circles with the customer service reps at the bank. I need the FCPB to reopen the case and to have a written response sent to me via email or snail mail.

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 2017-04-17
Company: Rent Recover, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I spoke with XXXX. XXXX on XX/XX/XXXX concerning the alleged debt from XXXX XXXX XXXX. I gave the rep. my contact information home address and confirmed phone # and expressed my concern over the debt and asked for proof. Rent Recover XXXX XXXX XXXX continued to pursue operation as if they had not reached me by calling my job XX/XX/XXXX and parents home upsetting my elderly parents with a request that had been addressed. The name of the company a lone " Rent Recover XXXX XXXX XXXX, XXXX I feel likes violates by privacy when calling my place of employment

Company response to consumer: Untimely response
Consumer complaint received 2023-04-09
Company: CL Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7  years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( XXXX XXXX XXXX ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Because XXXX finance charges me late fee without my knowledge XXXX monthly bills I received from XXXX didnt show late fee amount ), I called the company and spoke with their customer service agent. I asked them to send me all payment I made since I purchased my car. It took them about four months and several phone calls before they decided to send me a copy of all payment I made since I purchased my car. 

When I looked at a history of my payment, I noticed that there are several {$19.00} late fees. I also notice that most of my payment was forwarded toward interest fees. Im not sure why. 

When I called back and spoke with a customer agent, he also told me that a four percent late fee has been applied to my loan. 

My questions to you : is it legal for XXXX finance to charge all these fees? What portion of my monthly payment XXXX is allowed to apply to interest vs. principal?

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 2018-10-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient calls multiple times a day regarding past due payments. The calls begin 1 day after the due date and so far today ( it's XXXX EST ), they have called the co-signer on the loan 3 times because the payment is 1 day late. I was told that was their procedures, which is ridiculous. I also asked to remove the co-signer 's phone number from the account as he is a senior citizen and gets very worked up when he receives these calls. I have told them that they are free to mail him any documentation they want but the phone calls need to stop. They said they can not do that. They do absolutely nothing to assist my son in lowering the payments or deferring the payments while his income improves. Additionally 2 years ago we submitted paperwork to remove the co-signer, my son met the requirements, and each time we called they said they were working on it. 

This is the WORST company ever to handle student loans. Clearly they have no compassion for the kids who come out of college with $ XXXX in student loans and are trying to make a living to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX/ {$6900.00} / XX/XX/2021

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 2018-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First notice XX/XX/XXXX thereafter I call the company and the bank and indicated to take action with the CFPB to solve the issue. In XX/XX/XXXX receive another letter to pay the debt. Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
Car rental company misrepresented terms and conditions of the car rental process and even with what the company says is not being done : email outlining how to use partial credit received upon cancellation not received ; the credit not posted to the account ... not to mention that the credit was limited to certain type of rental that wasn't outlined in the rental agreement. 

I filed the dispute with XXXX. I did not get anything in the mail from XXXX  yet but the dispute was closed in favor of the merchant despite providing proof that the agreement was violated by the car rental company and no credit received. In email received from XXXX, first told XXXX can't control how the credit being used and ask me to contact the company by phone to figure out why the credit not posted to my account. 

I disagree with XXXX  position as feel they dropped the ball and let me take the hit. I have disputed the charge as services not rendered and since the rental never finalized and I have never received any type of credit from the car rental, the XXXX  should have reversed the charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Caine & Weiner XXXX XXXX XXXX XXXX XXXX, Ca I find that my consumer file is being irresponsibly tampered with. Over the past " *however long** I have made several attempts to remind you of your duty pursuant 15 USC 1681 XXXX It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 168fe ( b ) assures that I am due, promised accuracy in my report based on federal law, I am making this call as another attempt to havr these errors corrected on my consumer report. 15 USC 1681 ( A.5 ) says that after the reinvestigations .... all of the unverified information must promptly be removed. You can seghare your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have noticed unauthorized inquiries on my XXXX and Equifax report and provided this information over to the reps, and managers at XXXX and Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items Must be removed but instead they said they DO NOT and WILL Not remove and inquiries and gave no reason as to why. XXXX investigated and removed the unauthorized inquiries but XXXX and Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: LA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX/Equifax/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Inquiries : XXXX XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a refinance on a XXXX dollar loan they ended up changing it to a payday loan ended up getting XXXX hundred more with a outrageous interest nothing of the sort was indicated at the time of application I called to cancel the additional amount added to the loan they told me I had to pay the total balance in full in order to cancel the contract there was no cooling off.All the loan amortization was after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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