BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
GM Financial illegally repossessed the vehicle without notice or warning of default, during the worldwide Covid-19 pandemic, and the company used to do so breached my peace in the commission by entering in a gated area to repossess the vehicle which is illegal in the state of Georgia. Neither GM nor the repossession company ever contacted me to resolve this issue or make me aware that there is an unresolved balance after the bankruptcy. Again, after multiple attempts to contact GM Financial, they refuse to contact me regarding this or reinstating the loan after filing for bankruptcy. 

GM failed to not honor my request to reinstate the loan after multiple attempts. 

GM Financial subsequently sold the vehicle at a private auction after I submitted both a CFPB complaint ( XXXX ) and a certified letter ( attached ) advising them of the disputed repossession and my wishes to exercise my right to a public auction. Both were ultimately ignored and GM sent a deficiency notice. 

Finally, all my possessions were not returned from the vehicle. In order to obtain my belongings ( nearly a month later ) XXXX  and the company that repossessed the vehicle mad me sign a waiver prior to handing over and examining my possessions. The day the vehicle was repossessed, I withdrew {$4000.00} out of my checking account ( copy attached ) which was still in the vehicle at the time of repression that was not returned. Additionally, other items including my {$500.00} radar detector, a broken iPad along with other business property, checkbook, and wheels were not returned from the vehicle causing a further financial loss after GM Financial decided not to work with me. As shown in the pictures ( attached ) from the dealer who now has possession of the vehicle, personal items including the bracket where my radar detector once sat and my {$3000.00} wheels are still in the vehicle. 

I am requesting GM Financial settle this matter and return my possessions, otherwise, legal action will ensue for the value of the items not returned, the deficiency balance of more the {$25000.00} due to not honoring buy wishes for a public sale, and ultimately, the illegal repossession that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My name is XXXX XXXX and I live in XXXX Texas and my home address is XXXX XXXX XXXX XXXX Texas XXXX. My email Address is XXXXXXXXXXXX. Phone number : XXXX. I fill that I am been discriminated upon on the modification of my home under Chase. My loan went under water when i lose my job and I felt behind on my payment. I when to chase for a modification under the making home affordable plan XXXX XXXX XXXX, and was giving an interest variable modification from 2 % to 4 % through out the life of the loan. After fours years of payment, i got sick and again lost my job and felt behind on my mortgage. Again i was in constant communication with chase through the process. I want to chase for a modification. I was happy that chase gave me a modification this time increasing the interest rate to 3.25 %. i was giving five day to return the paper work of which i was unable to do so because I file a complained with chase on the increase in interest rate. Chase cooperate office kept on informing me that they are conducting an investigation and that i should hold with the document until their investigation is completed. 
While i was waiting for a decision the document expired. I called chase to see if i can resubmit my document for the the modification that has already been approve under the same term and conditions. Chase refuses and ask me to reapplied again and go through. I did but chase came out with a modification that no one will sign simple because they want and are doing every thing to force me to relinquish the ownership of my house through a foreclosure. (, Documents attached ). 
i have been in my house for 15 years and i have been paying my mortgage until i lose my job. As of today, my mortgage is behind in payment. I have gone through six months trier payment with chase and have shown them the i am able to make my payment an on time.. 

The new modification is for for 40 years after living in the house for 15 years. modification approved one month apart. mod XXXX was for 26 years with a 3.25 %. Mod XXXX : with the same situation approved XXXX mother apart for the same house was for 40 years at 4 %. what happen to the first modification, the situation all same. while the different in interest rate and the increase in the terms by 14 years. is it because I am XXXX and poor or because its because is trying to force me out of my house. I have been told that if I dont accept this them, i should not expect Chase to do another modification of my loan. This is discrimination.and bullying to the worse degree. I have contacted XXXX on this issue and was pushed over like dirt. I have been through counseling for mortgage assist who gave me the information to contact your office for help. 

Please I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CDI Affiliated Services, Inc.
State: ID
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:
This is in reference to a previously submitted complaint XXXXXXXXCDI Affiliated services resolution is to simply state that the account has been flagged as disputed on the consumer 's credit profile. That is not good enough. I insist they acknowledge that they as debt collectors fall under Idaho statute XXXX XXXX chapter XXXX and not under XXXX XXXX chapter XXXX. This will go to litigation if they do not remove themselves from my credit report.

Company response to consumer: Closed
Consumer complaint received 2022-03-22
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whomever This May Concern. The CBE Group , Inc sent a debt collection for a company that I have already disputed as fraud. It was with one company and then sold to another company. It keeps being sold when it has already been determined to be fraud. This account does not belong to me and I want this disputed and removed from under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking acct on XXXX 2016, at US bank with a promotional ad. The ad said if I opened the acct. with direct deposit US bank will give me {$200.00}. I opened it over 4 months ago. I spoke with employee XXXX XXXX who claim she does not know anything about the ad. I spoke XXXX XXXX, who spoke to someone at the main office. I was told I qualified for the promotion, as long as I did not have a negative on my acct. They said I should see the money by the end of XXXX. Here is XXXX and still no money. I 've been to the bank several times no success. Hopefully you can help.

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 monetary relief
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Identity theft occurred : While I was in XXXX a man with a fake id and fake credit card walk into a chase bank in XXXX and withdrew {$5200.00} from one of my bank accounts. I realized this happend and went to a chase back in XXXX the next morning. At that point we filed identity theft with all XXXX credit beuros and also with Chase. The XXXX managers who were in the room with me than showed me a closed caption video of the man in XXXX withdrawing the money. Proving that not only did case not do there job in checking from proper I 'd in the XXXX branch but also showed me hard proof that indeed someone had stolen my id. They all admired worng doing and told me I would relieve the money within 30 days. Since I have learned that Chase has denied my claim and will not give the money back to me. They told me that because it was the same XXXX drivers Licence used in XXXX and XXXX that it had to be me. Also I have never been to XXXX. And chase knows that becuse they at the time were the only bank and credit card I used. And I had never booked a trip to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: Navient Solutions, LLC.
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:
I have lived in XXXX since XXXX. I have two student loan servicers : XXXX and Navient. 
I have complaints about XXXX, but they have been resolved to my liking. It did take several years, though. 
With Navient, the complaint is similiar to the problem I had with XXXX : since I live in XXXX, and the loan servicer does not accept a foreign checking/routing number, or my debit card here, so paying my monthly payments is a real nuisance. 
For awhile I would mail a XXXX XXXX draft to Navient, but the mail time was always unpredictable and the payments would often arrive late. Plus, getting the XXXX XXXX draft took up a lot of my time every month and had a fee. 
In the last couple of years Navient has helped me with a work-around : they do not accept credit card payments ( XXXX does XXXX but only for Americans living abroad, and only at a specific phone number that is NOT toll free... ), but they ( Navient ) will accept ( very specifically ) a prepaid XXXX card. However, in order to make this payment I have to phone Navient, wade through the automated system ( ultimately knowing none of the automated system will help me because I HAVE TO speak to a representative in order to pay this way ), and then more often than not I have to convince the representative that Navient DOES INDEED accept payments in this fashion! More often than not I have to speak to a higher-up so that the payment can be processed, because there is no address addressed to the card. 
Today I phoned and got to the part where the agent asked for the address. She then put me on hold for about 5 minutes, came back and told me that the department that processes this kind of payment was closed for the day ( I'm in XXXX and it was XXXX for me, she was in the XXXX  XXXX I'm assuming the department she was referring to was EST ). That phone call took 25 minutes in total, and I have to phone back tomorrow and do it all over again. 
I don't see how they make it so incredibly hard for me to pay off my debt. If they want my money, they should make it easy. I can not be the only American citizen with student loans now XXXX XXXX. They should accept my regular credit card, or find a way to let me pay through my XXXX XXXX, or in some other online fashion. It is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX, I learned that my XXXX credit report was negatively impacted due to a collection agency posting a new collection on my report. I was shocked, and immediately called the Stellar Recovery whom was reporting the account. The amount of the collection is for {$27.00}, and it was sold to them by XXXX XXXX. I have never had an account with XXXX, and Stellar states the service address was for a home in Arizona to which I have never resided. Rather than assist me in removing the collection, they keep referring me to XXXX. XXXX is also unwilling to help since they are unaware of how to proceed, and can not locate me by my name. I have filled a dispute with XXXX, and I have also submitted a complaint with the FCC around XXXX and the lack of support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: WELLS FARGO & COMPANY
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been banking with wells fargo for about 3 years. I have had constant problems with their services. Starting in XXXX 2016, they claimed they investigated XXXX and refused to give me back my XXXX deposit for the rental car. I had to contact the attorney general in XXXX to get my money back. This month, they claim I do not have online banking, I am XXXX or something close to that in the negative in my account. I can not access my account anymore online so I can figure out what charges should be there and what charges should n't be there. I am currently stuck in XXXX, XXXX because of wells fargo. I have received several e-mails concerning this matter about my account. I told wells fargo to notify me when my account reaches below XXXX. I only receive maybe XXXX e-mails concerning this account. XXXX XXXX in XXXX, XXXX-XXXX XXXX XXXX down from the XXXX XXXX XXXX hospital claimed I was already in the negative when I arrived in XXXX, XXXX now another bank in XXXX, XXXX downtown area near the county courthouse claimed it was when I took out the XXXX from account in XXXX at a wells fargo account that made my account in the negative. I just trying to figure out what should be refunded on my account and what should be charged on my 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 non-monetary relief
Consumer complaint received 2015-07-22
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Chase phone XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX had no right to decrease my available credit and pull a credit reportOn me or can they periodically check? I have never had that happen to me in XXXX years, always paid them on time. They said my balance was high. So what? It 's not over the limit, from {$1500.00} avail credit and they lowered it to {$330.00}. Limit from {$8000.00} to {$6600.00}. Very very upset what are my rights? And they are so bad with my profile ca n't find any past accounts which I paid off because needed the account numbers. I have another card with them feel they will do the same. Very upset because what if there was a pending purchase before their act was done and NOW I 'm over the limit? Unbelievable ... .XXXX XXXX, 2015 XXXX consumer in Hawaii ( at the mercy of THIS creditor )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been with Square Inc for over a decade for credit card processing for XXXX XXXX. They started a new card ( like a debit card ) called the Square card where you can use your funds. I got it and a week later, I had 2 fraud charges from the same place. I called Square to report it, and they told me they would place a block from that merchant. Well, they didnt because I had another fraud from the same company. Now, Square is saying they will not credit my account the fraud charges because it showed the card was used in person. There is ZERO chance of that because I have never been there ... except after all these fraud charges I went there. They said they have no charges from me ( because I have never been there ) and their records do not show them getting money in those amounts at all. They also said they bought that XXXX a year ago so maybe someone had hacked into the old computers to get information. I believe a skimmer at a gas station or something like that captured my information and then made a card. That all I can think of. 
Square has treated me so poorly and they wont do anything about the fraud charges. Can you help me please? 

XXXX XXXX XXXX XXXX {$62.00} XX/XX/20 at XXXX Is the charge that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX I am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft i've contacted Experian recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) Experian sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE so i called identity-theft which told me that was not true so Im resend my report my credit report i found inaccurate, false and fraudulent information that don't belong to me i've been battling with Identity Theft for the last 8 years i recently spoke to Experian Identity Theft department they told me my credit file may been mix up with someone else that they would fix it! still haven't seen changes!!! I sent In My ID, SSN, BILL to prove my identity Credit Reporting Agencies ( CRAs ) must delete and block fraudulent /inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]

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 2015-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
The summon was served to my ex roommate instead of me so i never received the summons. Now the credit card company has a judgment against me because I apparently " defaulted. '' What is my best course of action at this point? Discuss repayment however there is additional debt they claim I owe ( which 90 % are penalties ), or file for BK? Would disputing the judgement be an option since it was never served to me? This is the only neg that is still showing on my record all of my other revolving debts are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: COAST PROFESSIONAL INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid in full in XX/XX/2020. The collection agency still garnishing wages. I notified them that the debt the paid via certified mail and spoke to them several times by phone. Im still having my retirement garnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
they did not obtain my consent to communicate with me prior to contacting me regarding the alleged debt and they contacted me at a unusual time pursuant to use 15 use 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: DISCOVER BANK
State: FL
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:
In XXXX of 2020 I had a fraud transaction on my Discover card for XXXX. I was never credited back for this transaction so I contacted Discover in XX/XX/2020 to see why. I was told the credit was placed on my old card and needed to be transferred to my new card. I have contacted Discover 4 times since including XX/XX/2020 and this has not been resolved. Discover is illegally not moving my funds to my new card so I have access. I am told every time wait 10 days. I have been waiting since XXXX. Move my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: PA
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:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was sold 6 times in 6 years. I was supposed to be conventional fixed, but was turned into ARM without my consent, I made a complaint already with you against XXXX mortgage companies. XXXX and Ocwen. Both are on credit scores and are incorrect. Briefly again, XXXX lied to me asked if I could make a payment of {$4000.00} XX/XX/2008. I was told this was to be applied to principal, was not applied to anything, this was my life savings, had hardship with them regarding their lie. XXXX tried to modify without remorse, but firstly, my first mortgage was {$1200.00} w XXXX, sold to XXXX went up to {$1700.00}, I complained, then it went to {$2100.00}. I complained again, they said this is last time at {$1500.00}. Afterwards, sold immediately to AHMS American Home Mortgage Services, all this time I never received welcome packets or payment stubs from any mortgage company. At XXXX time, I had no idea who was my mortgage company. XXXX, was an extreme hardship. I tried to modify several times, to no avail, I have recording of conversations, they would NOT work with me at all. Never received welcome packet or payment stubs. Sold to XXXX Bank whom turned around and sold it to Ocwen loan servicing co. for XXXX XXXX, XXXX. A loan rep, XXXX XXXX, told me I was not in foreclosure. I am XXXX due to a car accident. Ocwen told me I should do a deed-in-luei, ( referring to car accident, because of no modification I could not afford paymentso I was told ) " this will not go on your credit report '', I was told by XXXX XXXX. FEMA seized my house due to more than XXXX % substantially damaged home from Hurricane XXXX. I had flood insurance. To no avail, I have no home, I sent you the final payout document from Ocwen, I do not understand why I was not treated professionally.

Company response to consumer: Closed with explanation