BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calling me 6-8 times a day, even after hours ( XXXX-XXXX ) and on the weekends as far as I know business hrs are Monday to Friday XXXX to XXXX, I ve already responded to them about payment ( which is fixed ) but they continue their phone tacticts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Privacy

Complaint:
In XXXX 2015 I requested an e-mail receipt from a vendor. Today after using the same credit card I used in 2015 at a business I had never been to before, I received an e-mailed receipt When I made the purchase today they did not ask if I wanted an e-mailed receipt, nor did I provide them with my e-mail address. 
After receiving the e-mail today, I searched my e-mail archives and found that the common link is that both companies use " XXXX '' for payment processing. 
It was a huge surprise to me that this business ( XXXX ) I know nothing about had linked my credit card number to my e-mail address. They clearly stored both my credit card number and my e-mail address to use over a year later without my explicit permission or knowledge that this was occurring. Since I am not comfortable with this business practice, I searched for a way to remove both my credit card and e-mail from their databases and could find no such option. It appears that in order to manage my information with them I have to sign up for an account which would require providing more personally identifiable information, which I am reluctant to do. They already have more information about me than I want them to have. 
This feels like an extremely inappropriate way to use my credit card information and my e-mail address. I will no longer be using any credit cards at any company using " XXXX XXXX '' for payment processing. However I also wanted to report this to you since I most definitely consider this a bad business practice, and possibly illegal since they did not obtain my explicit consent to capture and store my personal information. 
As I researched this company, I identified a separate inappropriate business practice from this same company. I receive a ton of e-mail spam from another of their brands ( XXXX ) at my work e-mail. I do n't believe I have ever provided my work e-mail address to this company so these two things may be unrelated. The common link is same company with multiple inappropriate business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a divorce, house was given to ex. Deed is in her name. Divorce papers clearly states ownership. Chase Bank has kept mortage on my credit report for 8 years since divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased airline tickets on XXXX airline for a flight on XX/XX/2016 with a XXXX credit card in the amount of {$490.00}. When attempting to take the trip, XXXX said that the bank declined the payment and it was necessary to purchase the tickets again. The airline tickets were purchased again for travel on XX/XX/2016 with a Chase credit card, but the tickets now cost {$610.00}. After the trip I followed up with XXXX and they confirmed that the purchase was valid and that XXXX did get paid. I opened a dispute with Chase for the amount of {$610.00}. Afterwards XXXX refunded {$490.00} to Chase - not {$610.00}. I followed up with Chase and explained that the more expensive amount needed to be refunded in full. Chase informed me that the dispute remained open and nothing was due on the card. Chase subsequently charged me a late fee of {$25.00} and has indicated that payment is past due on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: TN
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:
I recently disputed a collections account through the CFPB. The collections account is XXXX XXXX XXXX. The collection agency XXXX XXXX XXXX responded to the complaint agreeing to remove the account from my credit report, however the account remains. I have attached a copy of the correspondence from XXXX XXXX XXXX along with a copy of my photo ID to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Argon Credit
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received a call from Argon Credit asking if I wanted to refinance my account. At first, I stated No and my husband said yes we use it for XXXX. Well that is when the nightmare begin. I received the contact on XX/XX/XXXX and I notice that it did not have any account information. I called an gave her the information and was told that the funds would be there on XX/XX/XXXX. They were not there, so I called and spoke with XXXX XXXX, she asked that I send her bank statement and voided check which I did. Then a young man called and asked for the same information, I explained that I had sent it to XXXX XXXX and he stated that she had not update and ask that I email him the documents. The next day no funds so I called and was told that it would take up to 5 days, I have never had a problem in the pass. So on XX/XX/XXXX I called and I said ok this is crazy I have been waiting since XX/XX/XXXX for the funds and you send me an email stating that the funds would be in my account on XX/XX/XXXX. I ask can we just cancel and I go back to my old agreement that I had. XXXX ask that I allow him to see what was going on and call me back. He did and told me that the bank had rejected the deposit, so I call the bank and was told that no deposit was presented my that company. So I called back and I requested a supervisor, all the time I am asking about this due date of XX/XX/XXXX which was going to be less than 30day since at this time I did not have the funds. I was told each time that once I received the funds to call back and the due date would be changed. Well the funds were finally deposited into my account on XX/XX/XXXX 11 days after this whole process started. So I called and spoke with XXXX and was told that she would call me back. She did leave a message when I called back I was told that the due date would not be change the payment is due on XX/XX/XXXX, 19 days after I received the funds. Then I am looking at the contact and it states that funds will be issue no later than 5 days after the contact since I there is a 5 day grace before late fee applies. I also notice that the interest is 59 %. Everyone that I talked to before told me that the due date would be change since it was after the 5 days and now I am being told that they are not willing to change the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: HYUNDAI CAPITAL AMERICA
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:
Hello, I have tried for months to get this resolved with Kia finance. I have leased 3 vehicles with them over nine years. I have recently discovered that they reported multiple late payments to my credit report that are not true. I have contacted them numerous times by phone and mail but no one calls me back. I have the evidence that shows I was not late with my payments in XXXX and XXXX of XXXX that I downloaded off of their own website. They reported me 30 and 60 days late. Then in XX/XX/XXXX the last month of my third lease they turned off my auto pay and never notified me, so XXXX was late. They said that was there policy now. I filed disputes with all 3 credit bureaus but they really aren't helping with my problem. I have been a loyal customer with Kia and do not understand why no one will call me back on this matter. I have requested to speak to supervisors but nothing gets done. I just get letters stating the disputed information reported is correct. I have had credit for over 33 years and do not have any late payments from any other business. These late payments from Kia have significantly hurt my credit score. I have taken great pride in my credit score and just want to be treated fairly. I have attached supporting documents that will support my statements. 
I would appreciate it if someone could contact me about this issue. Home XXXX Thank you very much.

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 2020-06-09
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I'm trying to add money to my XXXX XXXX account and it will not link my account keeps kicking it out. And I tryed login in and adding and manually adding my account and it's very frustrating because ethe stocks keep rising and I cant add no money please fix thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The information on my credit report is wrong. 
I paid all my accounts, I have submitted letters and documents, over the past year, They have done nothing with this. 

They should be made to take this bad information off of my account, he is hurting my life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I graduated college XX/XX/2010 and my loans were through XXXX, shortly after my loans transferred and serviced with Navient. At the time, with the struggling economy, I was n't able to pay on my student loans and when I contacted Navient they pushed for forebearance ( instead of cheaper payment options ). Flash forward XXXX years later and the loan I once owed XXXX on is now XXXX! ... and these are government loans " the better ones ''. My interest rate on these loans is 6.8 % ( subsidized and unsubsidized ) ... I 'd be lucky to get that return in a retirement fund ( which is also why I have n't been saving for retirement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had originally gone to a XXXX ( XXXX XXXX XXXX XXXX XXXX ) for financial counseling with the goal of reducing my interest rate on my mortgage. Their suggestion was to assist me with a modification application. I found out several months later that there were far more effective ways to reduce my interest rate ( potentially a streamline refinance ). Furthermore the modification, while approved, was terminated as a consequence of my lack of financial hardship. Before applying, I had actively stated to my servicer as well as the counseling agency, that I did not have a financial hardship. The goal was strictly to reduce my interest rate. Now, my sister is very ill, and I have been traveling back and forth from my home in XXXX, to her home in XXXX. During this time, I was unaware that the modification had been terminated, and the monthly payments I had made were not the appropriate amount. Consequently, the delinquency started to have a negative impact on my credit and prevented me from more appropriate refinance options. XXXX, seeing the error had attempted to work with CHASE directly to no effect. However, this continued to drag out a timely resolution to this process. By XXXX, I had started again to work with chase directly. I had requested a payoff amount through XXXX XXXX from the escalation department in XXXX. During this time, a XXXX form the Executive Office, reviewed my situation, saw the problem and suggested that there may be a solution to accomplish the goal of the reduced interest rate ( suggesting modification or refinance ). However, I said that I may be interested but still requested the payoff. For the next several months I received letters stating to be patient and that research was being conducted. After growing impatient and concerned about accumulating interest, I had contacted them back to follow up in XX/XX/XXXX. Apparently the research was being conducted but they submitted a new request for a payoff. My family, increasingly concerned about my housing stability, felt compelled to lend me money to exit this situation. 

At this point, chase has drawn their line in the sand about the interpretation of events, and I am in a position where litigation would become too costly to resolve what for some people, would be a minor issue. However, I am on a fixed income, and the potential $ XXXX-XXXX in interest accumulation that would have occurred during these times, are the difference between me being able to cover the annual expenses on my home. Further more, my credit shows significant delinquency over the last several months while this situation was being resolved. I have gone from being able to borrow in the event of an emergency to being unable to borrow anything ( Fico XXXX of XXXX to Fico XXXX of XXXX ). The good will from my family has been exhausted and these errors have eroded my stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Affirm has not refunded my money for item that was returned. 

I purchased an e-bike from XXXX which I financed through Affirm. I paid for the bike in full prior to receiving it. Once the bike was delivered, it did not meet my expectations and I returned it. Because I financed it with Affirm, XXXX refunded them directly. According to Affirm, they received the refund of {$3900.00} from XXXX on XXXX. As of today, I still have not received my refund from Affirm. I called Affirm at least 4 times, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX ( I believe I called 2 other times but I do not have the dates ). I've summarized the calls below. 
XXXX : customer service rep - " a refund check is processing, allow 16 days to receive. We attempted to refund your master card but it was declined. '' I then asked to speak with a supervisor. 
XXXX : supervisor - " your final payment was received more than 180 days ago so we can only issue refund via check. It is being processed, allow 16 days to receive. '' XXXX : received email " your refund is processing. please allow 16 days for it to arrive. '' XXXX : customer service rep - '' a refund was processed on XX/XX/XXXX allow 16 days to receive. Can't provide check number nor date sent ''. 
XXXX received email confirming refund processed on XX/XX/XXXX allow 16 days to receive. 
XX/XX/XXXX : customer service rep- " we tried to refund your master card on XXXX but it was declined. we have processed your refund but I do not know the check number nor the date sent. '' I then asked to speak with a manager. Stayed on hold for 60 minutes, no manager available. 
XX/XX/XXXX spoke with a supervisor. " refund was processed on XXXX. please allow 30 days to receive. '' Can not provide check number or actual date sent. 

Affirm never denies that they owe me the refund. They never say the check was sent, instead they use the word processed. As of today, it has been 53 days since they received the refund from XXXX for the returned bike. I would like a refund sent via bank transfer or by check with tracking information provided. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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
Consumer complaint received 2015-06-14
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My son had a private loan through XXXX (naviant) . He died XX/XX/2013. The government loan was forgiven but the private loan was not. They XXXX claim I am the consignor and owe the money. My dispute is that my signature , electronic or otherwise does not appear anywhere on the note. The consignor signature isactually the printed name of my now deceased son. I've been going round and round and told them to contact my attorney several times to no avail. I do not owe this debt nor recognize it as my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Was issued a credit for XXXX in XXXXXX/XX/2015 for a fraudulent transaction. Apparently the fraudulent transaction never posted but Bank of America 's credit did. Now, in XXXX, XX/XX/2015, Bank of America decided to charge XXXX dollars back to my card to make up for the credit. My credit card # changed after the fraud and I no longer have access to those statements. However, I do believe the XXXX dollar fraudulent transaction posted and this credit is being reversed for no reason. Also, it is too late and random of an occurrence for them to justly charge me now. This should have been caught months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We had XXXX XXXX from Huntington bank lied to us about how much we qualified for a fha loan he said we qualified up to XXXX then we it found our house we started the process and he wouldnt answer my realtor or our lawyer he kept saying everything was good to me. 7 days before closing he told us oh you have to pay off a bill and get it off your credit before we can move on. He prequalified us for a loan that we wherent qualified for. He was very rude to our realtor. We ended up having to find a new lender and putting 10 percent down when thats not what we wanted to do he also added credit cards to our credit without permission. Both me and my husband credit was ran way to many times by him. Now our credit is messed up and he has messed made it to where we paid way to much for closing cost. He also never wanted to email or text back he would only want to talk on the phone to try and cover his mess ups. He put the XXXX XXXX card not only on my credit but my husbands credit. He also made false Preapprovals saying we where good to look at houses when we really wherent. He really made my life a living XXXX for 3 months straight. 
This is where he works I have a lot of proof that of all the damage he has done to me XXXX XXXX and my husband XXXX XXXX The Huntington National Bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX huntington.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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:
Hello, I have tried for months to get this resolved with XXXX finance. I have leased 3 vehicles with them over nine years. I have recently discovered that they reported multiple late payments to my credit report that are not true. I have contacted them numerous times by phone and mail but no one calls me back. I have the evidence that shows I was not late with my payments in XXXX and XXXX of XXXX that I downloaded off of their own website. They reported me 30 and 60 days late. Then in XX/XX/XXXX the last month of my third lease they turned off my auto pay and never notified me, so XXXX was late. They said that was there policy now. I filed disputes with all 3 credit bureaus but they really aren't helping with my problem. I have been a loyal customer with XXXX and do not understand why no one will call me back on this matter. I have requested to speak to supervisors but nothing gets done. I just get letters stating the disputed information reported is correct. I have had credit for over 33 years and do not have any late payments from any other business. These late payments from XXXX have significantly hurt my credit score. I have taken great pride in my credit score and just want to be treated fairly. I have attached supporting documents that will support my statements. 
I would appreciate it if someone could contact me about this issue. Home XXXX Thank you very much.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Was told I could not apply to have loans refinanced. Also told my only option for reduced payment was to make payments on interest only for a certain period of time, after which I 'd make larger payments which would have been larger than the initial payment. I was never informed of the income-based payment option.

Company response to consumer: Closed with explanation