BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with NAVIENT and XXXX because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, XXXX, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer NAVIENT. I 've never had any way of knowing that NAVIENT now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH XXXX, who I had been paying faithfully. Finally, XXXX lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Let me explain how Chase bank de-frauded me out of money and ruined my closing of a home. I closed on my home in NY on XXXX. After the closing, I deposited the checks which all but 1 were cashier 's or certified. We were promised our money would be available XX/XX/12 for the majority of the money but 1 check would need to be held until the XXXX. Our closing in NC was the XXXX so when I went to Chase to have the funds wired for our closing I was informed by the branch employee that there was a restriction on the account until ALL of the checks had cleared. 
That was NOT what we were told at the time of the deposit. That was NOT what we were told repeatedly on the phone and in person. Chase wouldn't even write a letter for the sellers showing that it was not us who prevented the sale of the house. There is no reason all checks need to be held up if you cleared all but 1. Typical shady company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Customer Service Representative would not help take care of negative inquiries on my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  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
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
10 Late payments on XXXX loans was never given the option at the time for an income based repayment program. Thought about was only eligiable for forbearance and not informed on all options available to me. Overcharged late fee and was told forbearance would cover late payments. This error has impacted my credit report even though I am current on payments for the last several year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
capital one bank, falsely advertising through a notice that to remove the secondary account holder, i only had to call the number that appeared in the ad. which i have tried many times, and the results has been negative. after 2 years separted and divorced ... ..now my ex husband recived child support from a court to remove money in my account { im the primary holder } the order was for XXXX. i was trying for the last 2 years to remove him from the account. but for some reason the bank not let me do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CCS Financial Services, Inc.
State: CA
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 attempted to settle a debt with credit collection services. I specifically asked them if the account would be removed from my credit report after settling, ie they would stop reporting it etc. They answered in the affirmative. However, it is still showing on my XX/XX/XXXX report. Ive contacted XX/XX/XXXX and they say they cant remove it, only credit collection services can. Credit collection services says only XX/XX/XXXX can remove it, and they now say that theyve reviewed the call and that no one ever said that they would stop reporting it to the credit bureaus, but they will not let me listen to the call to verify. If, in response to me confirming that they would stop reporting it to the credit bureaus, they gave an obtuse and deliberately confusing reply that sounded like yes, and then they proceeded to not remove it from my report, then that is deliberately deceptive behavior in order to collect a debt. Ive settled this debt, I just want it removed from my XX/XX/XXXX credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018, I was the victim of fraud. My bank at that time, XXXXXX/XX/XXXX, did not allow me to submit a written statement of the crime. The perpetrator, XXXX XXXX, of a bed and breakfast I visited briefly, submitted false evidence to XX/XX/XXXX, made libelous, false claims to my bank. She also filed a false police report with the XXXX of XXXX, CA, after submitting the libelous information in writing to my bank. She charged my debit card, without permission, demanded cash, which I refused. I also wrote her a check while the debit card dispute was pending, which she also deposited and collected. XXXX XX/XX/XXXX, ruled against me in the dispute. I paid for the bed and breakfast more than twice what I owed. XXXXXX/XX/XXXX participated in this fraud on my money and account, by allowing the perpetrator of the fraud to submit several pages of false information, and not allowing me to submit a statement to my own bank, of the details of the crime. I was never allowed to submit my written statement of events, at any point to XXXXXX/XX/XXXX. This claim of me owing money is completely false, as I was the victim of fraud. XX/XX/XXXX actually owes me money!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to XXXX, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I took a loan for school. After I graduated I was unemployed and went on forbearance. I was unclear what that meant to the loan. I was then advised by lender to consolidate the loan which I did. My loan was then sold to Navient and when I requested to refinance the loan they said I could not. I asked what my old interest rate was and they could not provide it. My loan balance is above {$20000.00} 10+ years out of school and I only borrowed just above that. I am confused, feel I have been mislead, and need some help understanding what happen with the consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The phone comes up on my caller ID as Convergent. I saw they had called me a couple of times in a day and I went and looked them up. I found that they were a supposed debt collection agency. Most of the information I found lead to me doubting their authenticity. Since then, they have been calling me everyday, once in the morning and once in the afternoon. This has been going on for a little over two weeks ( since the beginning of XXXX ). I am up to date with all my payments, I have never had a late payment, and the medical bills Ive had I had set up payment plans and have payed them off on time. Therefore, there is no possibility of being called by any debt collector. I have an impecable credit history so i very much hope that these false claims stop and do not affect it.

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 2016-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2022-10-13
Company: CITIBANK, N.A.
State: GA
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:
my original credit card with universal card account was used somewhere else in the US by a person who did not have my card or permission. there was a XXXX balance at the time. when i received a bill i called the card company and told them about the fraudulent charges of over {$3000.00}. They closed that account and issued me a new card with the promise of an investigation. I received the new card and put in in my safe until the problem was resolved. Then the new card was also used in a fraud. The card issuer canceled that one and issued another. When it arrived i did not activate it. From the beginning of XXXX till now i have spent over 5 hours on the phone with universal card fraud Dept. trying to resolve this issue. Each time they say it will be taken care of and to call back in a week. Now its XXXX and the problem remains. Universal card knows the purchases were made at a Best Buy in another state. They claim the store has no record of the purchase. only that it was probably made there. The store asked for no id nor was there camera footage of the sale.

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 2015-09-02
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have been a customer of XXXX XXXX since XX/XX/XXXX. Recently, XXXX spun off their financial services arm which was purchased by BNY Mellon. Mellon closed the consumer financial services division on XX/XX/XXXX. I have contacted Mellon repeatedly since XX/XX/XXXX in an attempt to have the remaining funds in my account - almost {$6000.00} returned to me. Each time I call, I speak to supervisor, who tells me that now they need a different form, or a different letter, or a form sent to a different address, that the information that the last supervisor told me was incorrect. I have spoken to XXXX, XXXX, XXXX, and XXXX. I believe BNY Mellon has made a corporate decision to block as many redemptions as possible, with the hope that consumers will eventually give up, run out of time and leave their funds in the hands of Mellon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: KEYCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018, I was the XXXX of XXXX. My bank at that time, Key Bank, did not allow me to submit a written statement of the crime. The perpetrator, XXXX XXXX, of a bed and breakfast I visited briefly, submitted false evidence to key bank, made libelous, false claims to my bank. She also filed a false police report with the XXXX XXXX  XXXX, CA, after submitting the libelous information in writing to my bank. She charged my debit card, without permission, demanded cash, which I refused. I also wrote her a check while the debit card dispute was pending, which she also deposited and collected. Key Bank, ruled against me in the dispute. I paid for the bed and breakfast more than twice what I owed. Key Bank participated in this fraud on my money and account, by allowing the perpetrator of the fraud to submit several pages of false information, and not allowing me to submit a statement to my own bank, of the details of the crime. I was never allowed to submit my written statement of events, at any point to Key Bank. This claim of me owing money is completely false, as I was the victim of fraud. Key bank actually owes me money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The Co. is Specialized Loan Serviving, XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX The last 2 months i haven't been getting a statement so i can pay my bill. I have called 4 times to ask for them, they tell me it's in the mail. 

They won't look into it or anything. I think they want me to be late so they can take my house. 

They did the same stuff in XX/XX/2019.

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 2015-03-28
Company: Alorica Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX, acting this toime through West Asset Management , Inc, is making an attempt to falsely collect for a debt of {$150.00} that is supposedly for a signal booster that was never requested and never delivered because I did not have XXXX Service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: BAM Management US Holdings Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account with Binance US in early XX/XX/2020 and transferred my cryptocurrency holdings from their international website Binance.com in accordance with their requirement to use the US based website to comply with regulatory standards. I was able to transfer my holdings and sell my cryptocurrency. In order to withdraw my money held with my account on the website, the website asks for identifying information like a copy of my driver 's license and bank statements which I uploaded to my account. 

I then received an email saying my information was not accepted and was then locked out of my account. The website won't let me reactivate the account without answering security questions but everytime I try to start the process, I get a " system busy '' error message. 

I have opened two customer service tickets and waited on their chat portal for several hours over the last two months but have still had no response. 

My money is stuck with Binance and I have no way to contact them to withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: VW Credit
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We financed a XXXX Volkswagen XXXX which became part of the VW Diesel scandal. We opted to return the vehicle and receive the compensation that was offered. As part of the terms of settlement, our loan was to be paid off directly with the remainder of settlement funds paid directly to us. We turned in our vehicle on XX/XX/2017, and within 3 days ( as per the settlement terms ) received a direct deposit of the funds owed us beyond the financed amount. We were informed that the loan would be paid off AS OF THE XX/XX/XXXX, the date we turned in the vehicle. We were also informed that overpayment would be sent to us directly from VW Credit. In early XX/XX/XXXX, we received a letter from VW Credit indicating a payoff date of XX/XX/XXXX. It is now XX/XX/XXXX, and we have yet to receive our check for overpayment. We had sent correspondence directly to VW Credit and informed that it could take several more weeks to receive our overpayment. Clearly, if we were several weeks overdue in making a loan payment, we would be subject to interest and late fees. The delay in receiving the refund of overpayment seems unreasonable. VW Credit has had our funds ( and those of thousands of other settlement participants ) and has benefitted from the delay in refunding overpayment to us. Our demand is as follows : 1. Payoff date to be modified to reflect a XX/XX/2017 payoff - the same date that we turned in the vehicle and no longer had use for it. 
2. Immediate payment of our reimbursement to include interest and late fees ( as would be calculated by VW Credit if our payment was late ) back dated to XX/XX/2017. 
3. An investigation into the delay and whether in the aggregate the withholding of prompt payment and failure to use the settlement date as date of loan payoff has inured to the benefit of VW Credit and against consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
Company: Convergent Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Convergent Outsourcing INC are violating my rights because they are still reporting this UNVERIFIED debt as mine and they're many inaccuracies in their reporting. In response to my initial attempt to validate the debt they responded with a bill.. A bill DOES NOT constitute as debt validation.

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 2022-10-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Chase United Airlines Explorer card has offered the following : " Earn a {$300.00} statement credit after your first purchase. * Plus, earn XXXX bonus miles after you spend {$2000.00} on purchases in the first 3 months your account is open. '' I signed up online in and was never credited promised promotional offer despite fulfilling requirements. Chase Credit Card maintain that I signed for a mileage offer and not credit, that is simply not true. When I requested a copy of my application and digital signature they said that they are not obligated to provide that to me. I tried to resolve the matter directly with the Chase Credit and then through XXXX but Chase is not changing their position. I request the CFPB intervention to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Did not consent to unauthorized inquiry the inquiry was not authorized

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