BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Issue # 1 ) I 've requested to receive written communications ... everything is still sent electronically. I want a paper copy of EVERYTHING that happens with this company sent to my home address. Issue # 2 ) I requested a consolidated transaction history of all loans sent to me. I 've requested 5 different times. I have yet received a consolidated history. Issue # 3 ) ... and the most important. I 've called 5 different times to receive an answer and written evidence. A reversal on my account for XX/XX/2016 appears for XXXX but was never refunded. On XX/XX/2016, the same thing occurred. I was told there was some magic transaction that money was returned to the FED. But I 've again and again requested evidence that this was the case. Nothing!!! No written letter. Instead, it 's been some customer service agent reading notes on my account and guessing. It 's {$3200.00} ... I want proof of what happened. Otherwise, I think the company frauded me out of my money! Lastly, why was {$370.00} applied to interest on a payment of {$1100.00} made on XX/XX/2016. I make a monthly payment each month. I would say I make the minimum but I do n't know since I DO N'T RECEIVE THE XXXX STATEMENT!!!! I 'm told there are XXXX different loans and they all do something different and I sent my payment to the wrong address. AGAIN ... .I DO N'T RECEIVE THE XXXX STATEMENT!!!!!! Navient has messed my loan up so badly. I want a full accounting of my payment history on all my accounts. I want a printed copy sent to my home. I want {$3200.00} credited to my account that was stolen. I want all future communications sent to me in writing. I want an summary of the account loan and terms sent to my home. I want an explanation of the amortization schedule and P & I requirements. I want to understand what is happening with my loans. I work for a XXXX ... .I have for 10+ years. This is fraud and trickery abound here!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
Money is transferred from Bank of America in New Jersey US to XXXX ( XXXX XXXX : XXXX ) in XXXX XXXX for {$9900.00} USD. Even after 14 calendar days money is not deposited into the destination account. Complaint is filed to trace with Bank of America and waiting for their reply and will contact them in another 3 days to check on the status

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: SYNCHRONY FINANCIAL
State: NH
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 open a Verizon Visa card last year to take advantages of money back on groceries and gas. Everything was going smoothly until I setup an auto deduct from my bank. I had used a savings account with several other banks to make payments. No where does Verizon Visa through Synchrony Bank ask you if the account is saving or checking. I made three payments and all were rejected because it was a savings account. Finally someone in their customer service area told me savings accounts were not allowed. I went to use my on XX/XX/XXXX and is was declined. I called back customer service and the card was reinstated. I went to use it today and it was declined again. Now they tell me it is closed forever and the last guy should never had reinstated it. I have an XXXX credit score and I am very upset that this will affect my credit.

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 2016-09-15
Company: Fusion Auto Finance
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Fusion Auto Finance is engaging in fraudulent business practices. XXXX XXXX works with Fusion Auto Finance to hold the title for leased and owned vehicles. I leased a vehicle in XXXX 2013, with XXXX XXXX referring me to Fusion Auto Finance. I am 2 months away from lease end, and a dealership wants to purchase my vehicle. The payoff amount ( to buy the car outright ) with loan company is {$17000.00}. Since Fusion is the holder of the title, they are arbitrarily and fraudulently raising the price to {$20000.00}, without any explanation as to why the price is being increased nearly {$3000.00}. Spoke with Fusion, who is based in both XXXX XXXX New York and in XXXX Texas. Their contact information for certain employees go to bad numbers. The New York Banking Authority has NO record of them. They are engaging in fraudulent activity and this must be corrected. The dealership could not buy out my vehicle because Fusion was charging nearly # XXXX over the loan price, without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loan servicer is navient. About six months ago I paid off entirely an unsubsidized loan. Furthermore I matriculated at a university and so my subsidized loans went into deferment. Today I received communication by email for the first time since the loans went into deferment, including for some reason a notification about an unsuccessful application for autopay which I never submitted as I am still a student. Even more absurd is that when I logged into my account my unsubsidized loan had a balance and the balance on other loans had increased. As absurd as that is I was not even notified about any of this. This company 's conduct is despicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also state 's a consumer Reporting agency can not furnish account with out my written instructions.

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 2017-04-04
Company: GREAT LAKES
State: MI
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:
I a writing in regards to an issue I discovered last regarding communication received from Great Lakes, a federal student loan servicer, about my eligibility for the Public Service Loan Forgiveness Program. I have worked for the State of Michigan for over 17 years. After graduating from school in XXXX I contacted my loan servicer to consolidated my loans. In those discussions with the loan servicer we had conversations regarding the PSLF program and eligibility requirements. I ended up consolidating my loans under the assumption that I was under the correct program. 
Several years into repayment ( XXXX ) I reached back out to my servicer to ensure that I was under the correct loan repayment program to qualify for forgiveness under the PSLF program and was assured that I was. Several years later ( XXXX ) I did the same and was assured again that I was in the appropriate program. In XXXX I also completed the paper work necessary to formally certify my employment with the State of Michigan. Subsequent to this paperwork being filed my loan was transferred to XXXX. Last week I received noticed that the repayment plan that I am under is not an eligible repayment plan. I immediately made contact with Great Lakes and they indicated that they would be able to provide me with any assistance regarding their misrepresentations and misstatement of facts and that I should contact the FSAOmbudsman. For 5+ years I have been paying in the wrong repayment program. I trusted the Loan Servicer in providing the appropriate expertise in this area and in relying on this information I have suffered a loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Collection of a debit in someone elses name and incorrect reporting to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a XXXX and recently two tenants used Chase Quick pay to send rent. One for {$850.00} the other for {$1300.00}. I th I then received a text from XXXX saying the money would be deposited. 
I have never received the money and it is no a month. I have been in contract with both banks and have gotten the run around. Chase says it was sent to XXXX it was sent and XXXX says they never got it, in the meantime I am out {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EdFinancial Services
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2022 EdFinancial posted a notice to my account with the heading " your account is past due! '' and the enclosed message claiming, " Our records indicate that your last scheduled payment has not been received, and your account is now 11 or more days past due. We urge you to make a payment and resolve this past due status quickly. '' Furthermore, they try to promote their XXXX system by claiming, " Additionally, while your account is in an active repayment status and enrolled in XXXX you will receive an interest rate reduction of 0.25 %, '' which is misleading on multiple levels, being that accounts are NOT in active repayment status, as the student loan pause is currently ongoing and in effect, and the interest rate has been set at 0 % for the duration of the pause ( ongoing for 2 years now ). Their site is riddled with conflicting and confusing information. They also still reflect on their payment tab that I will have a payment due on XX/XX/2022, even though the student loan pause is extended through the end of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Ever since Navient has become the servicer of my student loan I have received continuous poor service. I have received conflicting information from agents, incorrect information, and a complete lack of competence and accountability. Most recently, after making a lump sum payment to the principle balance of my loan, I called customer service to have what they call a redisclosure to determine a lower monthly payment. I called on XX/XX/2017 and was told by the agent assisting me that the request for redisclosure had been made and I could call back in 14 days to find out the status. After waiting the required 14 days, I called back on XX/XX/2017, and was told that the system does not show where any request had been made. The request could be put in on this date but a determination would not be made until XX/XX/2017, causing me to have to wait another billing cycle to get my payment reduced. If the request was submitted timely the new payment would have take effect XX/XX/2017 but due to their incompetence the earliest it would take effect is XX/XX/2017. Unfortunately, this is not the first time that this same exact " mistake '' has happened to me personally, causing me to pay more than is required. This seems to be the norm with this institution and it is frustrating to say the least. This negligence is borderline criminal amd should not be allowed to continue when dealing with peoples finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Concord Resolution Inc (Closed)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An automated caller keeps calling my cell phone and my work number saying I must call back today about " sealed documents. '' When I called back today, XXXX XXXX said he was from Concord Resolution and said I needed to speak about " sealed documents. '' He would n't give me information in regards to what the debt was nor would he send me the proper paperwork about this so-called debt. He also said there were XXXX numbers on file for me!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2016-07-26
Company: IMC Capital, LLC
State: GA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a letter in the mail today with a credit card attached. It came in a regular white envelope and informed me that I need to activate my account through XXXX. It states there is a 0.0 % introductory offer. It gives a phone number to activate the card. The available credit is {$150000.00}. It states the member since XX/XX/2016 and valid through XX/XX/2016. On the back of the card there is nowhere to sign the card and there is also no CVV number. It offers a phone number or website to activate the card. There are two names listed on the card.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have previously got assistance for this same information. Chase back issued a XXXX on XXXX accounts I had with them. Upon completion of your investigation they were removed. As of today, they have reinserted the information on my credit report. Please look into this matter. I am trying to purchase a home and this information is hurting my chances. According to information I have researched, Chase can be sued for this action, please advise if this is the case. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: Greyhill Financial
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
PERSON CALLED ME LOOKING FOR MY SON. I TOLD HIM I HAD NO COMMUNICATION WITH MY SON AT ALL ( WHICH IS TRUE ) AND ASKED THAT HE DO NOT CALL ME AGAIN LOOKING FOR HIM. HE SAID HE KNEW I WAS LYING THAT MY NAME WAS ... ... AND STATED MY NAME AND KNEW I WAS THE MOTHER OF THE PERSON HE WAS CALLING FOR. I TOLD HIM EITHER WAY DO NOT CALL MY NUMBER AGAIN, THIS IS A CELL BY THE WAY. HE THEN SAID HE HAD THE RIGHT TO CALL ME AND THAT IF I HUNG UP ON HIM HE WOULD JUST CALL ME BACK CONTINUOUSLY. I TOLD HIM THAT I WOULD CONTACT MY ATTORNEY AND TO GET A REAL JOB, HE THEN TOLD ME I WAS NOT A VERY GOOD XXXX! HOW DARE HE BRING ANY RELIGOUS CONTENT TO THIS CALL. I HUNG UP, HE CALLED BACK, I IGNORED THE NUMBER, THEN HE CALLED XXXX MORE TIMES SO THE LAST TIME I ANSWERED AND PUT MY PHONE UP TO AN ALARM AND BLARRED IT INTO THE PHONE SO IT WOULD BLAST IN HIS EAR. HE DID NOT CALL BACK YET.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-20
Company: Pinnacle Asset Management, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called repeatedly at my office and my cell phone on a debt which happened when I was laid off in 2009. 

Yesterday they called my cell phone back to back times XXXX during the day. They would hang up and then call back immediately. 

I called yesterday left a voice mail and stated that the harassment had to stop and my job was in danger because of their practices. I had already been verbally warned about the calls and HR has confronted me XXXX because they are harassing the department.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX, on XX/XX/2021 I tried to to withdraw some money from my Chase bank account ATM my chase account is XXXX and I couldn't get any money out. I went into the bank and no answers was given to me. The bank manager told me to call the XXXX number which I did but no real answer was provided to me. I called XXXX days after days, months into months. So in XX/XX/2021, I called the bank and they said my account has to be closed. Account was closed and my name and info is flagged. I can't open bank account with any bank right..am not sure why my account is flagged. Please help me. 

Same happened simultaneously with my account with XXXX XXXX XXXX, my account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Riverwalk Financial Corporation
State: NV
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:
I attended to XXXX College - XXXX XXXX and was advised by XXXX XXXX XXXX to take a private loan. This loan ( s ) has been sold to different asset management companies. The latest is XXXX XXXX XXXX who bought the loan and is currently the owner of it. Now, regardless who the owner of loan is, the manager of this account has always been XXXX , XXXX to whom I've been on a payment plan for awhile ( automated monthly payments are taken out of my credit card ) even though am on a payment plan with XXXX , XXXX XXXX XXXX XXXX ( new owner of the loan ) has reported my accounts ( 2 student loans ) to  collections. They do not honor the payment plan with XXXX , XXXX even after they became owners of the loan I was notified that XXXX , XXXX will continue to manage the loans and the my payment plan with remain in good standing for 12 more months.. I filed disputes with 3 major credit bureaus and they denied my request to remove negative collection information from my credit report because XXXX XXXX XXXX does not honor the payment play they notified me in writing about at the time they bought the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Your submission, [ Case number : XXXX ]. I need to make a correction to the addresses that I provided. In my rush, I made to XXXX typos. 

Complaints against : Allied Trustee Services - the correct zip code is XXXX. 
XXXX XXXX XXXX - the correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
I have followed up with XXXX additional letters to these companies. They want to argue that their actions have been approved in court. I am requesting an accounting of all of their fees and I feel that I am entitled to this as a consumer, These fees are not in the court documents. I am attaching my last XXXX correspondence with them. 

XXXX XXXX sent Allied Trustee Services on XX/XX/XXXXRE : XXXX XXXX XXXX - XXXXThis is to acknowledge your letter dated XX/XX/XXXX that included a copy of the court order dated XX/XX/XXXX. Unfortunately the public records and your response does not provide answers to my questions that I have a legal right to have as a consumer. Once again, I request that you provide the following : date this debt was referred to your agency the initial amount of the debt referred to your agency itemized list with dates and amounts of interest charges that your agency has charged. 
itemized list with dates and amounts of attorney fees andthe reason for the legal fees that your agency has charged your written credit/collection policy ( Allied Trustee Services ) on interest rates and fees that your agency implements. 

Sent to XXXX XXXX on XXXX XXXX, XXXX : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX, CAPlease send me a copy of the lastest invoice for the condo at XXXX XXXX XXXX # XXXX XXXX, CA listing all charges incurred before you forwarded the debt to the attorney and/or collection agency. 
I would like a detailed invoice listing the following : date you referred this debt to the attorney/collection agency debt amount that you referred to the attorney/collection agency an itemized list with dates and amounts of all interest/late charges start date and end date of charges itemized list with dates and amounts of attorney fees and the reason for the legal fee documentation of XXXX XXXX 's agreement noting credit for his payment arrangements your written credit policy on interest rates and fees

Company response to consumer: Untimely response