BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
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 have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.

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 2017-01-09
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient now requires me to input my social security number or account number before login. This was not previously the case. Additionally, they do not send you any information containing your account number by mail or email. Many people do not feel safe giving out SS number over the phone or online and this results in many people, including myself, who are locked out from accessing their loan documents. Customer service will not allow you to verify identity with any other information. They state that they are following DOE guidelines. These guidelines are, for lack of a better word, XXXX. I may now be permanently locked out of my account. This antiquated DOE guideline was ill-planned and needs to be rewritten.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, I paid the balance {$8900.00} but I inputed the wrong number, because I thought the account number is the wire number. I contacted with the bank to tell the truth, and the customer service told me that they know it now. One reject payment would not close the account, unless you have two rejected payment. This is Synchrony bank rule. 
I only have this one time reject payment, so I paid my full balance at {$9200.00} on XX/XX/2021 including the orders still pending and undelivered. The statement is shown up in XX/XX/2021. I paid the full balance after 1 day. 
On XX/XX/2021, Synchrony bank closed my amazon store card account. Their reason is that they thought I could not pay my balance. This is unreasonable. 
I have {$710.00} rewards on my account, and they don't give it bank to me when they close this account. They don't have any reasons to close my account unless they try to un-pay my rewards.

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 2015-03-25
Company: CNG FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I had a lady calling me asking if I was this person I said who is this she goes I 'm a secretary let me transfer you to the investigator while I was waiting you can hear a beeping like she was calling XXXX way.Same lady gets on the phone and started harassing me over an old payday loan telling me I 'm going to have a felony warrant out for my arrest for fraud. I used my old roommates credit card to pay what I could back in XX/XX/2012. Well she was stating she is having my old roommate charged with fraud also because I used his credit card. I called local police department and told the officer what was going on and the officer told me I can not be arrested over a payday loan because its a civil matter. The lady said she works for XXXX and associates. I googled the phone number and it came back with a bunch more phone numbers. The phone number they called me with is XXXX. The only company with the name is a construction company in XXXX, Washington. She is harassing my family and friends.She threatened to have my child taken away from me. Instant panic and crying. I googled the XXXX law associates and the BBB has XXXX complaints against XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: SACOR FINANCIAL, INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
SACOR FINANCIAL, INC has been debiting my account on a debt I owed and agreed to pay XXXX a month. The last letter I received was with a balance of XXXX XXXX/XXXX/14. I called today to find out why they are still debiting my account and they said I still owe XXXX. I asked why my statement stop showing my balance and they said I still owe more money. No where did it say I owe more money. I need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, we purchased refundable airline travel tickets through Chase XXXX for the holidays. We purchased the departing flights for travel on XX/XX/XXXX in the amount of {$440.00} for my two parents, and a return flight for all 4 of us ( my husband, myself, and parents ) to travel back on XX/XX/XXXX for a total of {$830.00}. Total purchase for all flights was {$1200.00} These flights were purchased as refundable, and all policies and rules were reviewed to ensure that in the case of any needs to change our plans due to XXXX we would be refunded. All rules and policies for these tickets had no stipulations, and all indications on receipts, itineraries, etc indicated the flights were refundable. See attached documentation as such. 

On XX/XX/XXXX we were notified that my sister and her family, who we were traveling to see for this itinerary, tXXXX XXXX. We reached out to Chase XXXX to get our flights refunded. I spoke with 6 different people, all of whom informed me that the tickets were not refundable, and there would be a {$200.00} per ticket ( total of {$1200.00} ) to cancel. However, they informed me that they were eligible for flight credit. No where on any documentation is there any published documentation of this policy, and when I contacted XXXX XXXX regarding our ticket, they informed us that they sold the ticket to Chase ( to sell to us ) as a nonrefundable ticket. However XXXX XXXX had no ability to refund us as we purchased the tickets through Chase XXXX. 

What was sold to us was a refundable ticket that was in actuality, not refundable and therefore we were sold a fraudulent ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I was in a trial plan which I successfully completed and was offered a permanent modification which I did accept. I filled out all the documentation exactly the way the lender wanted it and had it notarized. I sent the packet back to the lender and that is when things started falling apart. First they said they could not approve the document because I signed my signature wrong on the paperwork. ( I signed it exactly as it was typed on the paperwork ) The lender said that I should have used my middle initial but the documents did not have my middle initial on the signature line. I saw this as an excuse to delay the modification. Then they said that they did not see the whole notary seal. It was embossed on the original paperwork so I am still not understanding what they need. ( A seal is not a requirement in the XXXX of Kentucky ) The scary part is that they would not accept my payments, I did not want to lose my modification so I ended up mailing the XXXX payment and it did finally post to my account on XXXX XXXX, 2015. We have done everything they asked us to do, we completed the trial phase and filled out the permanent documents and returned them in the correct amount of time. Now, it seems like they are nitpicking any excuse not to finalize the documents and during this time they are still adding late fees and drive by fees to keep us further delinquent our account. we were also given the opportunity to take advantage of their incentive program which we have every intention of taking advantage of but with how they keep us delinquent and late it could possibly kick us out of the incentive program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
My credit card charged me interest but according to the statement I should not have paid interest. See below : Per my statement below is how the interest should be charged : Avoiding Interest on Purchases ( Grace Period ) : If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying {$4700.00} ( this amount includes any Minimum Payment Due required to avoid a late fee ). Please refer to the " Accrual of Interest and How to Avoid Paying Interest on Purchases '' paragraph on the back of this Statement for further detail. 
Per the back of my statement as reference above : B. If you have Purchase balances with an APR that is greater than 0 %, and you also have other types of promotional balances on your account, you still may be able to avoid paying interest on those balances without paying your Statement Balance in full. If this applies to your Account, you will see a Paragraph titled " Avoiding Interest on Purchases ( Grace Period ) '' appearing directly below the Interest Charge Calculation section on the front of this Statement. This will show the amount you can pay by the Payment Due Date and still avoid interest charges on your Purchase balances. 

I followed these terms and paid the amount in full by the due date of XXXX/XXXX/15 but they still charged me {$65.00} interest. Their response to my inquiry was that since the balance was for a promotional offer that ended on XXXX/XXXX/15, there is no grace period and interest started accruing on XXXX/XXXX/15. If that is the case it should be clearly identified as due XXXX/XXXX/15 to avoid interest on the statement. The statement is misleading at best and they should not print this on the statement if it is incorrect. Had I known there was no grace period I would have paid by XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %. 

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.

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 2015-09-01
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I 'm filing this complaint because XXXX formerly XXXX ( XXXX XXXX XXXX ) apartments mailed me a final bill on XXXX XXXX, 2015 stating I had 30 days to pay the balance of {$580.00} which is not the correct amount. Then I rec 'd a letter from Hunter Warfield ( a collection agency ) dated XXXX XXXX, 2015 stating that the account is now in collections and on my credit report. There a few issues going on here : 1. ) the 30 days stating in XXXX XXXX XXXX 's ( XXXX XXXX XXXX ) letter had not expired, 2. ) Crossings at XXXX ( XXXX XXXX XXXX ) never gave me a opportunity to dispute the balance and/or pay before sending me to collections ; 3. ) The Collection Company-Hunter Warfield did n't offer me an opportunity to dispute/validate this debt either ; 4. ) Finally, the collection company did n't verify with XXXX ( XXXX XXXX XXXX ) that this was a valid collection debt ... 
I want this filed as complaint against this company considering I have already filed several complaints with corporate office about the ill practices of their XXXX, AL office ( XXXX XXXX XXXX ) located at XXXX XXXX XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-08-15
Company: Columbus Finance Inc.
State: OH
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:
AS OF first Week in XX/XX/XXXX : I 'm seeing XXXX hard inquires on my credit. They are from a car dealer XXXX XXXX XXXX in XXXX Ohio. They asked if I would cosign as backup for a vehicle for my husband. I specifically refused to fill out the application or to sign ANYTHING until they knew if he needed a cosigner or not. They said they would n't run my credit without my signature, I never did sign or fill out this application and they ran my credit twice. Did not bother to call me either to inform me that my credit was ran. I did n't authorize this. I have retrieved the unsigned form one of the banks got for a credit application. Again this is unsigned and, not filled out by me! The bank stated they get them unsigned often. What good is a signature if they run consumers credit without it and especially without consent? XX/XX/XXXX : Update : So I have been fighting this and have called and gotten the run around each place I call. One of the banks however has been very cooperative where as the other has not. The bank that 's been cooperative ( XXXX XXXX XXXX ) emailed the application form that I did not fill out or sign. They are also going to look into mailing me a letter of dissolution which is what XXXX  said I needed. Second bank ( Columbus Finance ) unwilling to work with ME when they pulled MY info keeps saying for me to call the dealer so I just called and spoke with XXXX. Recorded the phone conversation. I feel he was eager to get me off the phone, said he would call me back, I asked when. He said to give them 10 days. He denies pulling my credit, then when I tell him I had the form I actually did not fill out and it was unsigned he said I gave him my DL which is his way at trying to justify that for a credit pull. seriously?! You provide a DL to test drive not to pull credit. They know they were in the wrong, stumbling on words to get me off the phone. The Credits pulls are from XX/XX/XXXX and XX/XX/XXXX.

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 2022-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Have filed multiple dispute complaints on fraudulent transactions and all disputes have been denied without providing no documentation as to the investigation or outcome of the decision

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 2022-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX XXXX XXXX amountXXXX  XXXX   acc# XXXX*capital one XXXX XXXX acc# XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: MA
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: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2015-05-27
Company: CITIBANK, N.A.
State: CA
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:
I continue to get debt collection notices from XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that XXXX , XXXX cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was purchased by Ocwen a few years ago. Recently ( XX/XX/XXXX ), I called to ask about the status of a loan modification that we applied for and was told that we had an outstanding balance on our account. I thought it was strange and so I checked to verify that we had paid our bill that month. I located my bill, checked the amount, and verified online that our check had cleared - it had. 

When I asked for more information they told me that there had been an increase our bill. However, when I asked about when this had taken place I was told that it happened after my bill was generated and mailed. In other words, I had NO WRITTEN ANNOUNCEMENT of the increase in the amount that they are saying took place on XXXX XXXX. 
I have tried 5 times or so to contact them about this and every time I have heard that the only people who can handle this are 'supervisors ' who happen to be on other calls each time that I call. Today it is XXXX/XXXX/16 and there is still no end in sight to this madness since I was just told over the phone by a normal agent that in addition to this my payment was going up again in XX/XX/XXXX to another amount for which I had NO NOTICE. 

Ocwen is well known for their frequent violations of legal procedures when it comes to loan management. They purchased our loan, it was not our choice to work with them. This sort of behavior should be dealt with more effectively and consistently. As far as I know many lawsuits and fines have been handed to them, and they have not changed any of the practices from the complaints that I have found on the XXXX. I am hoping that this is a more helpful avenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Paypal Holdings, Inc
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I 've been using paypal via ebay since the XXXX 's I used to make my living that way now it 's just part time. Yesterday I made a small purchase no problem but today when I tired to make another small purchase I found that paypal has blocked my account forever. When I called them they only said " we do n't have to tell you why '' and 'we will never tell you why ''. I have NEVER had a problem with paying for my purchases so why the extreme discrimination? Why the attitude? How do they keep getting away with doing whatever they like with everyone 's money? How is it that the internet ca n't even come up with who regulates paypal in the usa? Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Colony Brands, Inc.
State: TN
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:
I ordered some merchandise from XXXX and paid for it. months later I have on my credit report 60 days late for credit that i did not apply for. When I called XXXX to handle the matter ; they said that they sent me a necklace that I did not pay for. I then paid for it. but it is listed on my credit report that I applied for credit for XXXX and for XXXX and is late 60 days. 
I filed a dispute with XXXX with no results. If they had investigated this matter they would no that I never had a credit account with this company for that amount. 
This credit reporting error brought my credit score down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Trident Asset Management, L.L.C.
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:
There is an account listed which I have disputed with no response back and it is not mine. Please help

Company response to consumer: Closed with non-monetary relief