BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX Chime bank closed my account and did not refund the balance to me. I sent numerous emails and Chime Customer service pretty much says they dont have to disclose any information. My Chime account remains closed. XX/XX/XXXX, my second stimulus check were deposited to my closed Chime checking account. I never applied for direct deposit nor nominated Chime as my bank to deposit my stimulus check since its been closed to me. Chime bank somehow managed to manipulate that without my consent. Chime scammed me out of my remaining balance before closing my account, and now tried to scam me out of my stimulus check. IRS is not reissuing stimulus checks, I now have to file my taxes electronically to then be credited from the irs. I have no funds to pay for my rent and no funds to feed my kids due to Chimes fraudulent acts. Chime shows no compassion for its customers during the pandemic. I had a balance of {$490.00} before Chime closed my account and I would like to get reimbursed for whats mines. I can not afford to get scammed at a time like this. As for my stimulus, I have to follow up with the irs again to see what my options are. Please help me get my funds back from Chime bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: BBVA FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am trying to close my account since i have issues with them concerning privacy like taking pictures of my home. I am just not comfortable of sending a picture of my home just to prove about my place of residence. Since i still have funds with them, I can not even avail of it. I want my balance sent to me. I have been verified by XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX without having to ask for my picture standing in front of my house from corner to corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Navient Solutions, LLC.
State: GA
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:
XXXX has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that NAVIENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Good afternoon, XXXX this message finds you well. 

My name is XXXX XXXX. I have banked with JP Morgan Chase for over 15 years. I have a checking account and Home equity loan with them. In XXXX  during the height of predatory lending, Chase offered me a Home Equity loan of {$150000.00} at a very high fixed interest rate of 8.6 %. The Chase representative did not explain to me that I would initially pay interest-only for 10 years straight, and a fixed amount of {$1300.00} monthly through XXXX. And I had no lawyer in the room to explain to me what I was signing. I recently attempted to pay {$40000.00} into the principal, but was told that even after that payment, my monthly fixed payments would not change until I finished paying off the loan in XXXX. 

For the last 15 years plus, I have paid Chase well over {$230000.00}, at a very high interest rate, but my current balance is still over {$130000.00}. It means over the last 15 years, I have only paid just over a thousand dollars per year towards my principal. I believe this is very unfair and very bad business practice from JP Morgan Chase Bank. 

I have approached the Chase Executive Office many times to come up with a settlement as my contract is not sustainable. They always tell me I signed the contract/promissory note in XXXX, and there is nothing they can do. I have been a loyal customer with Chase all these years, and still in good standing with all my payments. But the contract I have with Chase is very unfair to me. I am a hard working professional, but Chase bank has taken advantage of me. 

I really need help to settle this Home Equity with JP Morgan Chase Bank. Can you please help me? Please! 

With thanks, XXXX XXXX. 
Cell : XXXX XXXX XXXX Home address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Synovus Bank
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I submitted a payment that was due on XX/XX/XXXX, and was received by XXXX XXXX on XX/XX/XXXX, a whole seven days prior to my due date. However, I still received a late fee. I have had issue after issue with late fees with *only* this card and company. This is the only card that takes five+ days to credit my account when using XXXX XXXX XXXX bill pay, so now I have started paying early to attempt to avoid the continued fees, obviously now, to no avail. 

In the last complaint the company blamed XXXX XXXX and indicated that I needed to have XXXX XXXX message/contact them to correct the issue. XXXX XXXX said they released the money to XXXX XXXX after their 2 business day delivery window and that the extended amount of time for XXXX XXXX to post the payment was on XXXX XXXX and there was nothing they could do other than print out the release of funds statement, which I had already supplied to XXXX XXXX in numerous previous complaints about this issue. I am unsure what to do, other than assume I am paying interest and a $ XXXX monthly fee ( late or not ) at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-12
Company: EQUITY LOANS LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We are filing a complaint against both of the following : 1. Equity Prime Mortgage LLC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Our date of application was XX/XX/2021 Our Loan Number is XXXX XXXX Phone Number is ( XXXX ) XXXX Our complaints are as follows : XXXX. There was no NET TANGIBLE BENEFIT to this refinance done by XXXX XXXX XXXX Equity Prime Mortgage LLC ; He did the opposite ; he WORSENED our financial situation. Taking us from a XXXX XXXX to an XXXX XXXX in ANY SITUATION IS NOT FINANCIALLY BENEFICIAL EVER. XXXX has much higher mortgage insurance monthly payments than a XXXX XXXX does. XXXX XXXX CLEARLY took advantage of us. 

2. Our loan did not pass the 3 % maximum fees tolerance. Our Loan Amount was XXXX and there is a 3 % cap on what a lender can charge. That means the maximum lender fees we could incur by the XXXX XXXX and XXXX Laws should have been {$9000.00}. We were instead charged {$8700.00}, plus a {$340.00} administration fee, plus a {$500.00} processing fee, plus {$1100.00} in underwriting fees, totaling {$10000.00}. We were charged {$1700.00} OVER THE MAXIMUM LIMIT ALLOWED BY LAW.

3. We never received a copy of our appraisal. Per Federal Law, we should have received a copy of the appraisal AT LEAST 3 DAYS PRIOR TO CLOSING. 

4. This has caused tremendous financial hardship on us. We were looking to use our equity to get cash out to consolidate our debts, that was the only goal from the very beginning. We never received any cash out to pay off our bills with that we were supposed to get. XXXX kept feeding us a lie that we would get cash back in our Taxes. We filed our taxes and did not receive the cash payouts he had said we would receive. We signed the closing documents because we believed XXXX was being honest, and that we simply needed to file our XXXX XXXX with the Federal Government and we would get our payout in our Tax Refund. Plain and simple, we never got ANY CASH OUT, so we would like the lender to rectify and pay restitution for the financial hardship he has caused us. 

5. We also believe the Title Company who closed our loan should also be held accountable for closing a loan that DID NOT MEET THE XXXX XXXX MAXIMUM RULE. XXXX XXXX XXXX XXXX, XXXX should be held accountable for closing this.

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 2019-01-31
Company: Bull City Financial Solutions, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency Bull City had fraudulently reported that I owe XXXX XXXX over {$1300.00}. The negative report to my credit has impacted me economically. I have filed a police report and a report with the FTC and will press criminal and civil charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: NV
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 was given a XXXX payment plan by Navient. The first payment was taken out of my checking account on XXXX XXXX, XXXX in the amount of {$65.00} and {$65.00} was to be taken out of my checking every XXXX months. Before the next payment was due I received a statement from Navient. Navient had changed the information ; I longer had a XXXX payment XXXX. The Loan Payment Plan is : **Consolidation XXXX, Loan XXXX XXXX {$49000.00}, Current Interest Rate - XXXX % Current Payment - {$50.00} **The Name of Loan - Consolidation XXXX, Loan Balance XXXX XXXX, Current Interest Rate XXXX %, Current Payment {$15.00}. 

Navient took the first payment of {$65.00} and has not honored the payment plan. The next payment was to be on XXXX/XXXX/XXXX. Navient has refused to take out the payment of {$65.00}. I received a notice from them stating on XXXX/XXXX/XXXX I will owe a total payment of {$500.00}. The notice was dated XXXX/XXXX/XXXX. 

Please help me to have my Consolidation XXXX honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a current CareCredit card. expiration date XX/XX/23. Snychrony Bank canceled this card during the pandemic and now I can't use it I have tried three times to get a new card issued without success. I was told in a recent mail that I have tried too many times. I use this card for eyeglasses only. I am in need of new glasses since I have not had a new prescription in over two years because of the pandemic. I used the card, paid if off and left with the feeling that I would be able to use it again if needed. 

I have no vision insurance and this card affords me the ability to get new eyeglasses. 

Please ask Synchrony Bankwhy they are denying me use of this card or why I can't get a new one. 

XXXX 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 explanation
Consumer complaint received 2019-07-29
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with NELNET LOAN SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NELNET LOAN SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: United PanAm Financial Corp.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX and XX/XX/XXXX of 2021 I requested for validation and additional information to validate this debt, each time documents came back to my address saying that the address was incorrect. Could not find a valid address this is the only address that's on the letters that was seen and several others but was unsure if it was related to United Auto Credit. I would like for the requested information to be sent to me to validate this debt. Please see the attached documentation below. If this debt can not be properly validated then it needs to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I'd called my credit card company ( XXXX/Continental Finance ) to inform them that my credit card was compromised by being either lost or stolen. Their rep gave me a hard time over the phone but then eventually stated that I would have to submit a utility bill w/my new address for identity purposes since I'd also recently moved. Once I got the electric bill, I sent the company a copy of the new XXXX XXXX electric bill w/the new address, a new check w/my new address for the month 's payment ( XX/XX/XXXX ), and the company still didn't mail me my new card. The company 's claiming that they'd closed my old credit card account once they were informed about it being either lost or stolen last year in XXXX and that they were mailing me my new card two months ago XX/XX/XXXX and no card has arrived in the mail for two months, and they just changed the credit card account recently in XXXX because the last four numbers on the bill have just changed this year, not last year in XXXX as they're claiming.

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 2022-06-12
Company: ALLY FINANCIAL INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
It it is extremely troubling that a institution that is handling millions of people 's personal information, not to mention their money would be extremely negligent and irresponsible and allow a person to walk into their establishment with a check that isn't issued to them. How can you allow a person, in this case, XXXX XXXX to endorsed and deposit a check that was issued to me. Obviously, the names and address aren't the same! This is a gross injustice and Ally Bank must answer for this breach of trust and their failure to completely scrutinized this transaction by this thief, before allowing him to deposited a check that isn't his, especially without any proper identification. What type of legit financial institution would allow this to happen and instead of taking responsibility for their failure to check the credential of individuals depositing, or taking out money from their establishment?. 
In addition, it is extremely frustrating that the IRS, who are supposed to have their own investigators failed to, or neglected to take this matter seriously. In fact, I did the job that the IRS investigative team should have done, but failed to do. as I XXXX the name of the bank that was on the photocopy check that the IRS sent me. I was told by various supervisors and representative at Ally Bank that this thief XXXX XXXX was a customer. After many more correspondences with member of Ally Bank 's Lost Prevention Department, they apologized to me for their egregious error. In addition, they told me that they closed XXXX XXXX 's account, once they relied it was a case of identity theft. However, they told me that I can not do anymore on my own because I am not a customer, instead the IRS must contact them, in order to retract the money that XXXX XXXX illegally deposited and they irresponsibly allowed. The IRS decided to deny me the {$9600.00} refund that I am owed, instead they took out {$6.00}, XXXX from the check that was stolen by XXXX XXXX and deposited into his account at Ally Bank. I am being held responsible for the crime that XXXX XXXX committed against me and the gross negligent by Ally Bank in allowing him to endorsed a check that wasn't addressed to him. I was only refunded {$3.00}, XXXX. This isn't right and I implore the IRS to do the right thing and give me the money that I am rightfully owed. I look forward to hearing from you soon and receiving my entire refund check. I would like to thank you for your time and cooperation!

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 2017-06-27
Company: SN SERVICING CORPORATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, SN Servicing, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a XXXX I had already surrendered the property to the previous servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc 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 2019-07-29
Company: Riverwalk Financial Corporation
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
From XX/XX/XXXX to current time ( XX/XX/XXXX ) I have been back and forth with a third party company who another party sold my information to for another previous party. I have asked to make a settlement and they said I wasnt eligible to do so ; even though settlement documents were sent out a handful of times throughout the above period. This account is over 7 years old and they keep restarting it on my credit report as if it is recent. The car was repoed XX/XX/XXXX. The car was already auctioned off years ago. I have given them over {$300.00} but stopped to the fact on them trying to keep damaging my credit With no guarantee of removal of discrepancy even after payment. Company is located in Texas, I live in Virginia. Information is also inconsistent across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Collins & Hilton Asset Group, LLC
State: OH
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: Problem with personal statement of dispute

Complaint:
I am making payments to pay this amount I owe I should have not still have a bad negative on this report I am making my payments on time please check this out thank you mr 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 2022-06-12
Company: Experian Information Solutions Inc.
State: FL
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:
The following credit Bureaus EXPERIAN and XXXX stated that my accounts were properly investigated but how can that be possible when the information shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for these accounts to be removed as they are violating my rights under, the following LAWS.

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus and the creditor have taken more than 30 days to complete there investigation to which no documentation was provided as I requested, the credit bureaus and the creditor have both verified these accounts without providing any proof or documentation. 

Both credit bureaus have instructed me to contact the creditor for proof of verification documents as to why and how these accounts have been verified. The creditor has refused to furnish me any documents proving verification of accounts as well as the credit bureaus. 
there is no proof being provided these accounts must be deleted.

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 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello I have 6 hard inquirys. that are on my transunion report. I have disputed these inquirys with the companys and with Transunion and they refuse to remove them. these are not attached to any accounts. they are making it hard for me to get approved for credit. these are the inquirys. 


XXXX XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XXXX  / XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/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