BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: Western-Shamrock Corporation
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
MY NAME IS XXXX XXXX I LIVE IN XXXX XXXX AL, MY WIFE XXXX XXXX WHOM USE TO WORK FOR WESTERN FINANCE BUT NO LONGER WORKING FOR THEM BECAUSE SHE WROTE A STATEMENT AGAINST WESTERN FINANCE IN DEALING WITH A DISCRIMINATION LAW SUIT DEALING WITH XXXX. XXXX XXXX HER SUPERVISOR AT THE TIME OPENED ME A LOAN IN THE XXXX OFFICE OF WESTERN FINANCE, I MADE PAYMENTS ON TIME AS WELL AS TRYING TO IMPROVE MY CREDIT SCORE. I RECENTLY PAID WESTERN FINANCE OUT ON A GOOD NOTE, I NOTICED MY CREDIT DROPPED AND THE BRANCH MANAGER AT THE XXXX XXXX STORE HAD BEEN CALLING ME ASKING ME IF I WANTED TO REOPEN MY LOAN, TODAY I TAKE UPON HER REQUEST I WOULD LIKE TO OPEN MY LOAN IN THE XXXX XXXX BRANCH AND I GET A CALL BACK LESS THAN 30 MINUTES STATING THEY COULD NOT REOPEN MY LOAN. I ASK WHY AND THE LADY BY THE NAME OF XXXX XXXX SAID SHE COULD NOT EXPLAIN THAT I WOULD RECEIVE A LETTER IN THE MAIL. THE BRANCH MANAGER IN ANOTHER OFFICE CALLED ME AND SAID IT WAS BECAUSE THE DISTRICT MANAGER I COULD NOT REOPEN MY LOAN DUE TO MY WIFE BEING THE EX MANAGER WHO MADE A STATEMENT IN THE DISCRIMINATION CASE AGAINST WESTERN FINANCE. WHY WOULD THEY CALL AND ASK ME TO OPEN MY LOAN AND DENY ME BECAUSE OF MY WIFE? I HAVE SUPPORTING DOCUMENTS THAT STATES THE REASON FOR MY TURN DOWN IS BECAUSE OF THE DISTRICT MANAGER NOT BASED ON MY CREDIT HISTORY. IT IS BEYOND ME A COMPANY WILL ALLOW ANYONE TO DETERMINE THE COLOR, XXXX, MARTIAL STATUS OF THE REASON FOR THE TURNDOWN. IT BAFFLES ME AND I KNOW THIS AGAINST POLICY. I HAVE CONTACTED THEIR HOME OFFICE AND THEY TRANSFERRED MY CALL TO AN EXTENSION BY THE NAME OF XXXX XXXX WHOM I LEFT A VOICEMAIL ON. THIS IS AGAINST THE LAW AND IT SHOULD BE BROUGHT TO THE ATTENTION OF EVERYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a co signer of a loan, for father of student borrower. The private loan company XXXX gives me little information to ensure loan is paid. A payment was posted but when the funds were checked and not available they only email the borrower or notify them of the non payment. I go on my merry way assuming the payment has been made on time until I get a collection call. I asked to get on the email list but they said no. I also get no access to borrower address to ensure it is correct. The system is rigged to only allow borrow know of bad info when that person is not responsible enough to take out a loan by themselves so why would the co borrower not have access to that info?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I recently received an unsolicited Amazon.com Rewards Visa Card in the mail issued by Chase Bank VA, NA. The card has moderate to generous reward options. I subsequently received a letter in the mail from Chase ( again unsolicited ) referring to the issued card saying they would need more financial information in order to approve me and that I was to call XXXX with a Reference Number. I am not sure if this is a XXXX XXXX type incident where someone is getting bonuses for issuing cards, a spear fishing style scam or if my ID was compromised but in either case it is concerning. I did call Chase Bank to cancel this card and inform them of my concerns ( not revealing any of my financial data ) but they told me to call back tomorrow to XXXX which on reverse lookup is listed as an unlisted mobile number - not calling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Reliant Capital Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have no debt, other than our mortgage ( which we have always been current on ). We get a call from Reliant Capital Solutions about once a week. I do not want to interact with them in any fashion. We are not in arrears on anything and I am not interested in discussing our finances with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to process a shortsale. My client lost their XXXX year old son in their home and want to move. The buyer is pregnant and wants the house. My client as a result of Chase delay in this matter is not receiving the HAFA relocation fee they claimed last year the house was worth more but a subsequent dispute revealed that the price of the home was correct on the contract. They ask me to remove HAFA because deadline was XXXX/XXXX/15 which expired because of the banks handling on this matter. Now we have been waiting for months on what is the THIRD CONTRACT ON THIS HOME because CHASE needs to confirm that CHASE XXXX mortgage department filed a lien release. The delay in this matter has been extensive. My clients need money to move and this entire ordeal has been a debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Westlake Services, LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Westlake Financial is reporting that I owe their company for a vehicle that I never purchased. Westlake is reporting inaccurate information on my credit report and I want it removed immediately! I have sent this company several debt validation letters via certified mail and regular mail and I have not received or heard anything from them. I have never purchased anything through this company and I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I filed a trip cancelation claim with Chase Sapphire Reserve benefit department on XX/XX/XXXX. 
I filed complaints with CFPB & XXXX because the benefit department lied and falsely denied my claim. 
The benefit dept says I am ineligible for refund of the canceled flight because the airline booked my final return flight for me. This is not only not true, it is false and a lie. I have sent them all the documents and proof to show I paid for original and return flight on my own with my credit card. 
My claim no with consumer financial protection bureau is XXXX I have attached documents that would show the original round trip booked on XXXX XXXX with my Chase sapphire reserve card. 
& XX/XX/XXXX statement of my Chase sapphire reserve credit card that would show {$88.00} I paid on XX/XX/XXXX with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: SKO Brenner American, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I sent a letter of verification to SKO Brenner American requesting verification of several accounts being reported as negative on my credit profiles. Received the return certified receipt stating letter was signed for on XX/XX/2015. On XXXX XXXX, 2015 received a letter form SKO Brenner American representative by the name of XXXX XXXX stating The they have notified the credit bureaus to delete these accounts from my records. Today is XXXX XXXX, 2015 and the negative accounts are still showing on my credit profiles.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Three times we have requested info on the XXXX program. On XXXX/XXXX/16, I was put on hold by Ditech for over two hours. They were sarcastic and talked to me with a slow, XXXX tone as though I was a child. I asked to speak to a manager. He did not know any XXXX info. I simply wanted to know the required loan to value ratio. They are unable to furnish any info about my loan. This is a horrible, rude company with no customer service. They are incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I noticed unauthorized inquiries on my report or someone applied for something in my name I want this deleted from my report thank 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 explanation
Consumer complaint received 2017-02-15
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began the process of refinancing my home with Wyndham Capital on XX/XX/2016 in order to pay of the first mortgage and a HELOC balloon payment that was due on XX/XX/2016. The loan specialist from Wyndham promised me that they could get me an FHA loan and that it would close in 28 days. Over the next three months they asked me for the same documents repeatedly, kept submitting the same request forms to the IRS for tax transcripts from my mother, and missed critical deadlines in order to close the loan. They missed the due date for the HELOC, missed the grace period, and in short never closed the loan. Because of this I no longer could get an FHA loan so one of their representatives tried to get the loan servicer ( XXXX ) to report that I had made the XXXX and XXXX payments so it would show XXXX on time payments and not report as late, but of course, XXXX could not do that since it would be a fraudulent statement. Finally in XXXX Wyndham sent me an email saying that they could not move forward with the mortgage since my credit showed late payments. They are the reason that the loan was late. This has ruined my credit rating and refuse to help me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named XXXX corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no one answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Navient Solutions, LLC.
State: VA
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:
In just a short time my private loans ( XXXX ) now serviced thru Navient went from {$40000.00} up to XXXX. Now having exhausted my forbearance, my payment options are not affordable $ XXXX/month or $ XXXX/for 27 months only. I have no alternative but to wait for garnishment. They will not negotiate the amount or waiver on the 10 % interest being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
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:
The issue first started 6 months after graduation XX/XX/XXXX, when XXXX XXXX XXXX who was the original loaner ) called and sent letters regarding repayments. Since day one, I have been harassed, threatened with legal actions, and my credit has been affect. After many times I explained the poor job market XX/XX/XXXX after the housing bubble collapsed, that my career could not come close to paying variable percentages. The job I had gotten XX/XX/XXXX with a bank laid me off XX/XX/XXXX, ending up with me going on unemployment. 
Luckily I found a lawyer that helped me in filing bankruptcy, but could not dismiss this private student loan. At least XXXX XXXX FINALLY negotiated a lower payment of {$250.00} per month. 
XX/XX/XXXX, I started working again and religiously made those payments. XX/XX/XXXX, I lost my job due to a corporate buyout by way of layoffs. I called Navient, now the loan owner of the private student and federal loans, stating the loss of my job. After a few conversations, they are unable to reduce the payments. Now, after 4 months of being unable to make payments, Navient is threatening to litigate against me. 
This loan is preventing me from getting a vehicle loan, unable to rent and causing problems with getting a new job. 

I have also had a name change, originally XXXX XXXX XXXX, to XXXX XXXX XXXX. 

Attached are information about the current loan balances, Navient 's " let us help you '' letter, and a letter threatening litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
When I was about XXXX I enrolled to go to XXXX College in XXXX, Utah. I was in a " XXXX '' ( XXXX ) program under the impression that after a month I would be moved to a XXXX program, this never happened. I did graduate but they never gave me a diploma. I now owe Navient {$33000.00} for a 20 month XXXX degree. I also owe XXXX College another {$8000.00} for a private student loan that is accruing interest at a rate of about {$70.00} a month. XXXX college also told me I would be making around {$XXXX} a year and it was not wise to pursue education at a XXXX college because it would take too long. Obviously that did/is not happen. I believe I have been a victim of a predatory loan. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Transaction issue

Complaint:
On my XXXX credit card statement from XXXX XXXX XXXX, I had a balance due of {$7700.00}. I paid this balance in full on XXXX XXXX. On XXXX XXXX, without any notice or warning to me, XXXX XXXX XXXX withdrew an additional {$7700.00} from my personal checking account. I asked them to refund the money and their initial response to me was that they would issue a refund in 5 -7 days. I contacted them today, as the seven days were up, and they said it could be another seven days before a decision is made to refund me my money. They said this was because the refund was over {$7500.00}. I told them this was creating a financial hardship, and that they had no right to make the withdrawal from my checking account as no payment was due. Their response was, we are sorry, but they have a policy. I asked to see the policy, and they refused to do so. I have never had such treatment from a major financial institution. It was their error, they acknowledge that. They should be refunding the funds promptly. 

No one at XXXX XXXX XXXX has expressed any doubt that I am due a refund. They are just holding my money, and not keeping their promises as to when they will give it back to me.

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 2015-05-01
Company: Sullivan Asset Management, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over 5 years ago, I took out a payday loan that was paid off. I do not have records of this transacation anymore and this has popped up all of a sudden and now this company calls me, my family daily. Honestly I feel this is harassment and I ask them to send me something in writing that shows I didnt pay and they can not. They have no proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I loaded money to my account and the funds never appeared. 

The money was withdrawn from my American Express prepaid credit card, but never credited to my account. 

I 've opened XXXX disputes with XXXX, but they are not responding. It has been over 90 days and I 've called numerous times. 

I have all documentation. It shows the load on XXXX, and the corresponding copy of my statement, which shows that the load did not take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Report # XXXX for XX/XX/18. Account Name : XXXX XXXX XXXX. Account # XXXX. Date Opened : XX/XX/2009. Payment status : Account transferred to another office. Creditor contact Information : XXXX XXXX XXXX XXXX, IN XXXX. Phone number XXXX. Experian is reporting this account as " unknown '' in my credit file. This contradicts the payment status listed as " account transferred to another office. '' Experian very well knows a transferred account is considered a closed account. Experian also knows that a " transferred '' status is considered final, meaning the account is no longer active. The term " closed '' is used to describe revolving accounts, such as credit cards, that are no longer available for charges, so it would not apply to student loans, which are installment accounts. This is an education loan, thus the term " closed '' does not apply. The " terms '' for this account is also reported as " unknown '' which is incorrect. As you can see, Experian is not reporting this account 100 % accurate. This account is current and the payment status should reflect accurate information. Furthermore, this account was transferred more than seven ( 7 ) years ago and should be deleted immediately. A reinvestigation for this account is requested. Please provide the method of verification and the source which verifies the information. I have attached a copy of my Experian credit file with the errors highlighted.

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 2021-03-17
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, Account # XXXX No. XXXX XXXX XXXX I have been getting harass and threatened to be sued by Blitt and Gaines P.C Attorney at Law about a debt that I have asked to be validated multiple times which they have come back with bank statement in which under the fair debt collection practices is not enough. 

In addition I also checked my credit reports and this account number does not show as any negative account in my reports. 

I will attach all the documents that I have sent to them with all the dates and tracking number proving that they have received all my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.

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 2016-01-16
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
A debt collector, Transworld Systems sent me 6 letters in one day stating my wages would be garnished for my student loans and they had contacted my employer for information. The creditor listed on the debt collection noticed does not own my loans. All of My loans were consolidated in 2014 and are not in default. I confirmed this fact via XXXX and the Department of education. My loans are not in default and the creditor they claim to be collecting from, XXXX, has n't owned my loans in 2 years. They were paid in full by the consolidation. In addition to the 6 letters, they have called my home phone at all hours of the day. I also received a call on my private cell phone.

Company response to consumer: Closed with explanation