BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-29
Company: Khoury Alternative Claims Management
State: NE
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 rented a rental car from XXXX at the XXXX XXXX XXXX XXXX location. At the time I rented the car, the XXXX representative at the counter informed me that there were small scratches on both the front and the rear bumpers. She informed me that the scratches were notated on the paperwork and " not to worry ''. When I returned the rental car, the representative asked me about the scratches. I informed him the scratches were on the vehicle prior to me picking up the vehicle. I received the attached letter dated XXXX/XXXX/15 from XXXX XXXX - V.P. from XXXX stating I would be receiving a letter from Alternative Claims Management. I called XXXX at the number on the letter ... left a voice message ... did not receive a return phone call. I received the attached letter dated XXXX/XXXX/15 from Alternative Claims Management stating I had 30 days to dispute the claim. I sent the attached letter of dispute dated XXXX/XXXX/15. Since XXXX XXXX, or no one from Alternative Claims would return my phone call to discuss this claim, I faxed the attached letter to the XXXX Customer Service phone number from my XXXX Member website where I made the reservation, On XXXX/XXXX/15 I received the attached letter from the XXXX Customer Service Representative stating she could not help me. On XXXX/XXXX/15 I finally received the attached letter from Alternative Claims Management stating they received my dispute but that XXXX was still confident the damages to the rental car occurred while it was in my possession. On XXXX/XXXX/15 at XXXX I did receive a call from XXXX at Alternative Claims Management offering to settle the claim for {$180.00}. I wrote the attached letter dated XXXX/XXXX/15 saying I continue to dispute this claim. I have been a XXXX Member ( # XXXX ) for several years and have rented from numerous XXXX locations. The XXXX XXXX XXXX XXXX location is the worst run location I have dealt with and in talking with other XXXX customers, they have come to the same conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navient is in violation of the following : 15 USC 1692b ( 2 ) Exhibit A attached 15USC 1692b ( 5 ) Exhibit B attached 15USC 1692d ( 1 ) Exhibit C attached Navient has failed to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I had not received statement for XX/XX/XXXX payment. I called and was told that my statement went out that day but was delayed due to XXXX tax forms for XXXX being mailed with statement. On XX/XX/XXXX I received statement that payment that the payment due date is XX/XX/XXXX without the stated tax statement that supposedly made the mailing late.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a XXXX from my XXXX XXXX on XX/XX/2016. The balance was paid in full, as I have confirmed with XXXX XXXX XXXX. I received a mailed notice from CMRE Financial Services attempting to collect a debt of {$200.00}. They would not provide me with any additional information about the debt accept that it was from a XXXX done on XX/XX/XXXX. I only received one XXXX at that time. I confirmed with XXXX XXXX XXXX that there is no remainder owed, additionally they confirmed that CMRE is not a company they use for debt collection.

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: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is XXXX processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there

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 2017-01-19
Company: Diversified Consultants, Inc.
State: GA
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 a debt on my credit report that does not belong to me, the credit report had removed it as they can not validate the debt, but to my surprise two weeks ago they added the debt back to my account without given me a written warning nothing to validate that this debt is mine. The credit bureaus continues to violated my right. I need help as I would like to take them to court for failing to validate a debt but then placed it back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been working with capital one with my payments they advise as long as I make the payments they set up with me my account would stay positive. It currently shows I have a available balance but transaction was declined. I reached out to capital one and they advise that the account was restricted for nonpayment even tho they take out funds biweekly more than the minimum payment. The supervisor could n't explain and said sorry and hung up. This is the worst expierence ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Payfare International Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am using XXXX by Payfare as a checking account with a debit card. Their app is currently no allowing anyone to log in. They have no way to contact support outside of their app. They are denying all transactions with my debit card with an Error XXXX, meaning the card issuer is unavailable. It is unacceptable that I am locked out of all my funds with no one to contact and no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to contact someone within Citi to help me for days. I have called multiple times and no one can resolve this issue. There was a hold up on my mortgage loan and I found out last week it was because Citi has a note in an old credit card account " Account disputed by customer ''. The XXXX bureaus all said no dispute on their end. To resolve this, I have to call Citi to get those notes removed and get a letter for my mortgage lender. I can't get my loan because Citi will not help. Citi first said, even if we could give you a letter to show there's no dispute, it would take XXXX business days by mail, we can not email or fax the letter. Then Citi said they can't help at all, there is no such letter. Then Citi said their back office may be able to help get a letter emailed to me. The letter has never came and I think that Customer Service acts like they're unsure of even what I am talking about. 

I am not disputing anything and to my knowledge, I never did. Citi has my entire life on hold because of these dispute remarks in my credit report. I worked since the end of XXXX to get a home loan and found out now, unless they send proof that there is no open dispute, which they did already verify with me by phone, I can never get a mortgage loan. I needed the letter days ago and the mortgage lender is going to close my file. I can not get Citi to send anything for me to provide to my mortgage lender. Citi knows they are holding me up and keeping me from getting a mortgage refinance that would help me greatly financially and they don't even care. It's like they are doing this intentionally to be spiteful with 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 non-monetary relief
Consumer complaint received 2017-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Complaint submitted to the Consumer Financial Protection Board ( CFPB ) About Capital One By XXXX XXXX, a Capital One customer XXXX XXXX, 2017 With Capital One, I have a checking account, a savings account and XXXX credit cards. 

I transferred {$500.00} from an account I have at XXXX to my savings account at Capital One. 
Capital One has received my {$500.00}. It is in my " Accounts Summary '' as part of the " Current Balance. '' Screenshot submitted with this complaint. 

I tried to transfer {$300.00} from savings to checking - both accounts at Capital One - and was told there were insufficient funds. 2nd screenshot submitted with this complaint. 

I had a chat with XXXX at Capital One. She was very knowledgable and professional in explaining Capital One 's rule about this. PDF of chat submitted with this complaint. 

As I understand Capital One 's rule, when they receive funds from an external source, like XXXX, they do not release those funds to their Capital One customer right away. 

Instead, they wait several days to make sure that the external source, XXXX in this situation, will not demand return of the funds. 

Capital One refers to this acceptance of the funds and waiting - verification of the funds. 

Only after verification of the funds are the funds released to the customer. At that time, they show up in the " Available Balance. '' See a screenshot submitted with this complaint. 

Capital One does not pay me interest on my funds ( {$500.00} in this situation ) until the funds are notated under " Available Balance. '' It is my understanding of the effect of this rule of Capital One is that Capital One has my money XXXX {$500.00} XXXX. It will have my money until either the external source XXXX XXXX XXXX demands its return or Capital One releases it to me. This " verification '' can take XXXX5 days once Capital One has received the funds. 

This complaint is submitted on XXXX/XXXX/2017. I understand my money will not be released to me until XXXX. 

I must assume that the people at Capital One are smart business people. Until proven otherwise, I can only assume that they are using my money to make money. 

And, they are not paying me interest for the use of my money to make money for Capital One. 

I want Capital One to pay me interest from the time my money is received by Capital One until it is either returned to the external source ( XXXX ) or made available to me. 

I want the Federal Government to make it a rule or a law that banks are required to do this. 

The right side of this complaint is not showing up in the box to submit the complaint, so I am attaching it as a PDF. 

Please note that the actions by Capital One covered by this complaint are similar to - but not the same as - the taking of customers ' funds by Capital One in CFPB Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied with our current mortgage company on XX/XX/2021 to refinance our existing loan with Newrez to reduce our current interest rate and reduce the number of months left on the loan. We provided income verification on numerous occasions signed electronically the required disclosures, completed all assigned tasks. The Underwriter continuously asked for updated income. I asked what seems to be the issue or misunderstanding of our income : Workers Compensation ( LTD ) Wages Social Security Penson income Throughout the Underwriting process, I asked why is there an issue with the income that was provided and verified by current employer along with the LTD income. Meetings were conducted with employer and Underwriter. We never received notification of the status of our refinance request, only to find out that Newrez place the refinance file as " Inactive '' without as much as a notification or determination. We were promised calls that never occurred, we have numerous emails stating that " Underwriting '' finally understood our income. It appears we are being discriminated against based upon our type of income and Newrez ' failure to provide us with a written reason for the outcome of our refinance request. 
XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is in regard to the latest ( refinance ) of home loan with CHASE Bank, which was closed on XXXX 2015. Loan # XXXX. During the course of re-finance process, Chase had closed my prior MOrtagage with XXXXBank and HELOC as well. 
It has come to knowledge that XXXX Bank has charged {$500.00}, penalty, for pre-closing the HELOC. I was told that Chase ( Mortgage ) has opted to pay in full and close this account and hence is the pre-closure penalty. 
Why was this penalty made aware to Me? I mean this penalty is not a choice form me? Chase Bank did not give me the choice and went ahead paying closing amount mentioned by XXXXBank, resulting in pre-closing penality of {$500.00} to me. 
I was not aware ( and not educated ) of this penalty, which could be averted by just not closing, instead paying the amount in full. Per our tele conversation to Chase Loan Manager ( XXXX XXXX ), to my dismay, I was not convinced the replies I have got from the bank. It is almost prejudged that the penalty has to be paid from the customer ( who had no action but to pay the penalty. ). As customer of seeking re-finance from Chase was not a happy XXXX, lacking transparency. It was unilateral actions from the bank that caused the penalty, without customer 's knowledge. 
This is complaint, that I would like to begin filing to Consumer Forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Paramount Recovery Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt because during this time my child had XXXX XXXX. Which means they shouldve filed with XXXX and we also had started Medicaid the following month. I feel they should file the insurance to get their money instead of waiting on coming after the parent ( me ) for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company Ocwent told me if i pay my mortgage on time my PMI will drop in 5 years of payment, now that the time has come they will honor what they said giving me any excuse that i owe too much on my home, i received a letter from XXXX Department of Finance with my Market Value at {$380000.00} and i owed {$200000.00}, Ocwen will not even aknowledge the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX30 days late as of XX/XX/XXXX 30 days late as ofXX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/2015 XXXX XXXX requested a hard inquiry on my credit report and this was not authorized by me, this is making it difficult for me to obtain new 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 2022-01-03
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The process started roughly 9 months when the company Cardinal Financial started contacting me to begin refinance/consolidation loan. At that time me and my wife were going thru covid-19 protocol trying to complete loan modification process with our current company. We were more than transparent about our credit and loan status thru out each and every contact from Cardinal. They informed that once i have made just XXXX on time payments that they would approve consolidation loan. We e-signed to lock in our rates right away said XXXX XXXX they sent us numerous to- do list items and XXXX XXXX constantly pushed me to pay for a appraisal to be ordered. With that being said, how can he not have final answer from underwriters until days ago?? Swearing that was all that was needed for process to close by XX/XX/2022. XXXX called us everyday until last week when the appraisal person came which cost me XXXX. XXXX then called and said bluntly that his underwriters just looked at the paperwork and the deal is dead. Told me it is what it is and that's that. I asked to speak to his supervisor he said why? He is just going to tell you the same thing he had. This unprofessional person should not be in this position. He had weeks of credit checks and all of the above to reach this decision he never said that there would be any issues at all. Then he became aggressive and completely ignorant towards me after being nothing but nice. He obviously cant do his job properly and to this day his Supervisor XXXX hasn't called either. I warn anyone not to deal with this horrible company. All i want is my refund for appraisal cost of XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: ORG GC GP Buyer, LLC
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
GC Services ( XXXX ) is a student loan collection company. I 've written them many times asking them to NOT call my work. They always will continue to do so. They 've verbally told me that they 'll continue to call my work, even if it risk me losing my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.

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 2022-01-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This reporting agency received a request to suppress ALL information. The following information is to be suppressed until further notice. 

- XXXX XXXX Report - Any Address - Name or Alias - current or previous address * I requested no information be provided since I was a victim of possible identity theft and data br

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 2016-01-09
Company: Account Services Collections, Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently looked at my credit report and saw that I had a debt in collections. I would have immediately paid this debt if I had known about it but have never received a notification of it. It was a {$110.00} medical bill that I have since called the hospital about and paid it since it was still in their system, but this debt has negatively affected my otherwise spotless credit report. I need to know where the communications about this debt were going because they were not going to any of my residences since the debt went to the collection agency. 

This debt has been on my credit report since 2012. I have not been contacted about it since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief