BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed one of the purchase that I placed an order. 
I placed an order ( XXXX ) first and got rejected by Amex on XX/XX/XXXX. 
I placed an another order ( XXXX ) due to first order didn't for through on XX/XX/XXXX. 
I received pick up notification since our apartment had no access and I picked up at the access point, I did not check the order number because I was informed by Amex that first order didn't approve for some reason. Anyways it didn't fit my daughter, therefore I returned it and got refunded of {$3700.00} from merchant. However about a month later Amex charged me another {$3700.00} and notified me that first order went through and merchant sent me two packages. I have filed disputes multi times stating that I only received one package either first or 2nd order. Amex was the one who declined my first order and charged me month after. They ignored my dispute claims and keep charging back to for the amount of {$3700.00}. I actually should have credit since I over paid and now my statement showing I owe Amex {$2200.00}. I requested Amex to re-open the case and they refused my request saying they are afraid that this charge was over 60days. As you can see, it's not true and I filed it with in 60 days but Amex didn't resolve this matter. I even sent them Certified Mail regarding this issue and got ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This is the most stressful company regarding student loans. I have tried to reason with this company within the past 7 plus years. I have gotten NOWHERE!!!!!!! Not only are they rude, arrogant and condescending, they do not want to help you at all. I have done substantially amount of financial statements regarding my outstanding private loans. I have made payments, entered multiple programs. Nothing works. The latest incident is the fact that I am trying to lower my monthly payment and my only option was by a minimal {$47.00} dollars!!!!!! At one point an agent even asked me " How can you afford your loans? '' after she did a financial statement on me. When I try to speak to one representative, my account is either not noted or they just do not give a XXXX. I am constantly being transferred to other representatives and when I ask to speak to a " manager '', they often tell me the same thing the representative has told me, and that they simply can not help me. Not to mention the amount of phone calls I get daily.I have over 20 numbers from Navient blocked. My voicemail has reached its capacity with them leaving me voicemails. They have harassed my co-signer on his personal cell phone and his job. They have harassed me at my jobs as well. It is ludicrous for someone who makes less then 42,000 a year, living on their own with their own expenses to make a payment of XXXX a month. After making several payments over the years, I have NEVER EVER seen a decrease in my loans. This company is a scam. What they are doing to people is absolutely corrupt. Student loan debt has become a massive epidemic. I feel that my story is never heard and I am just one of a million people who are in the same situation as myself. It has put me into a XXXX which has resulted in going to XXXX   XXXX  XXXX  for almost a year. Something needs to be done. This company needs to stop ripping people off and be more honest and helpful. I hope that in the near future, I see a major change to my loans or that I receive some type of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Delta Management Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Someone named XXXX XXXX ( XXXX? ) from Delta Management contacted the owner of the company I work for on XX/XX/18 at approximately XXXX asking to verify my employment for a personal financial matter. They were told to not call back any of the businesses, but they can send a letter requesting the information on official letterhead. 
At approximately XXXX on the same day, the co-owner of the company received a phone call on her cell phone from the same person, and was told the same thing. 
At XXXX the same day, this same person contacted one of our locations directly asking the same information again, even after now two times being told to not call any of the companies.

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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I tried to access my American Express serve account online and it told me I didnt not have access to the online account. I then received an email stating that my account has been permanently suspended and to send a letter for further inquiry. I tried talking to costumer service and they were unable to give me any information. They also told me to send a letter. I wrote a letter, and I also emailed the company inquiring about the closure of my account. I wasnt given any notice and all of my funds are in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I can't remember the dates but I've been dealing with this issue with Navient for about 5 years. Every time I try to ask for a forbearance they tell me that I can't use it because I use it all. They could never give me anything in writing stating that I had when I ask. I ask them can I reduce my payment due to the income I had coming in and the response was short of nothing because you had to answer multiple in order to qualify and when they came up with a total it was still too high for me to pay. So I ask if it could reduce more and they told me that I had to get their manager approval to go any lower. With that being said, the manager denied it. This has been a recurrent issue with them. This causes my credit score to drop when I'm taking the initiative to pay but they won't reduce it so I can afford to pay them. I believe they are getting over on the consumers and not having their best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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: Old information reappears or never goes away

Complaint:
XXXX XXXX Opened XX/XX/2007 Balance XXXX Myself and another company made attempts to remove this negative remark from my credit report due to Statute of Limitations and they have failed to do so.

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 2018-04-02
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
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:
XXXX is reporting my credit limit is {$600.00} I disputed it with them because my credit limit is {$1000.00} they still have not fixed it. My balance is {$620.00} so it looks like Im over my credit limit which Im not.i am uploading a letter I requested from XXXX as proof of what my credit limit is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Very rude experience coming into the XXXX XXXXr branch in  XXXX Illinois on XXXX and XXXX, XXXX XXXX was who i dealt with. He was extremely rude and disrespectful. I told him just to close the account after he presented it as an ultimatum to me. He stood with a rude smirk on his face as i waited at the teller window to withdraw my funds. When I asked the teller if i could speak to a manager i was told no manager was available nor was an assistant available. Calling into customer service I experienced several nasty representatives and some guy that barely spoke good English from fraud prevention that kept telling me to go into a branch even after i told him i just left a branch and they were unable to help me the representative was argumentative and when i asked to speak to his supervisor he just hung up on me. The bank customer service representatives have consistently told me differently banking policies and account information. The bank refused to resolve any account problems. XXXX, senior manager of loss prevention was equally as rude and uptight. She refused to give me clear direction on what the steps were in the complaint that I filed claiming it would be put into a complaint tracker and saying to me oh well what did i want to have done. Very nasty rude people from the supervisor XXXX on down by far the worst institution I've ever went back to bank with. Worst decision ever I've made in my banking experience

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I got a phone call from HSBC fraud department asked me about two wire transfers. I told them immediately that I never made any transfer, neither did my spouse. And the HSBC staff on the phone told me he was able to hold both transfers successfully. He also needed to verify my identity. I was very careful with this kind of phone calls and online questions. So I went to the local HSBC branch ( XXXX NJ ) immediately. I told the manager what happened and showed her the number of the phone call I just received. She verified the number is HSBC fraud department and closed all my accounts ( checking, saving, credit card and debit card ) and also reopened new ones.

Then it turned out that the two transfers : one didnt get through, the other one was cleared and withdrew by the recipient.

It took the HSBC 25days to refund me the transfer ( amount {$60000.00} ) that didnt get through. Then I was told that the other transfer ( $ XXXX+ $ XXXXfee ) was still under investigation. I called customer service and went the local branch several times and asked for an estimated timeline. But nobody can give me one. I searched online and found out I should also report this to the local police department, which the HSBC staff never mentioned to me. ( I reported it to the police department around the end of XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I attempted to transfer money has I have in the past to someone in XXXX. This is the only person I have difficulty transferring money to. 

Today, XXXX XXXX put the transaction on hold, and when I called to find out why they grilled me for XXXX XXXX asking how I knew this person ( who I previously had transferred money to 2x on their own systems ), how old he was, when I last saw him, what he would spend the money on, etc. I answered every question without hesitation. 

They kept me waiting for a total of XXXX XXXX, and then said they could not perform the transfer. When asked why, they refused to say. I asked to speak to a manager and was kept on hold for another XXXX XXXX, they returned to say I would need to continue to hold. After XXXX XXXX they hung up the phone. 

During the call the attached email was received at XXXX XXXX confirming the money was transferred. As of now ( about XXXX XXXX later ) the transaction shows as " in progress '' on their website. All the while, they told me it was cancelled. 

XXXX XXXX systems are inaccurate and clearly not communicating consistent information to consumers. In fact, the agent was also deceitful. 
I have transferred money to others today and had no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Midwest Recovery Systems
State: AL
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:
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Midwest Recovery Systems is reporting 2 unlicensed payday loans on my credit report from years ago that are illegal in my State Of Alabama. XXXX XXXX XXXX is listed with a balance of {$370.00} owed and XXXX XXXX also for the amount of {$370.00} is listed on XXXX  and XXXX XXXX. The principal on both of these loans were paid and both companies owed me a refund. I contacted both companies and let them know they were not licensed in my state and the overpayments I made needed to be refunded. My next step is too get an attorney and sue them to remove this off my credit report as they are breaking the law by putting them on my report as they are a junk debt collection company with hundreds of complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.

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 2018-06-27
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
I contacted Navient Student Loan Service at XXXX and asked why my monthly payment reflects an inflated and incorrect amount. This information is affecting my credit score and my ability to exercise my consumer rights to credit based on my credit score. Navient informed me that they do not know how to fix the problem. A supervisor advised me to file a complaint and they would note the account accordingly, so the issue may be corrected when CFPB contacts them. 

My current payment is {$110.00}. My credit report shows $ 700+ monthly payment. My payment has never been $ 700+ a month, so I do not have an explanation for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed three medical debts with this company, twice due to the fact that these debts do not belong to me, once XX/XX/XXXX also inXX/XX/XXXX. This company has failed to respond to my letters that i have asked for a validation of debt numerous times.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...

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 2018-06-27
Company: General Motors Financial Company, Inc.
State: VA
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:
On or about XX/XX/2016 I was victim of a stolen car that was financed through GM Financial. My insurance company later deemed the car as a total loss and paid GM Financial about {$24000.00} around XX/XX/2016. There was still a balance of between 2-3 thousand remaining on the contract. Being that GM Financial received a payment from my insurance company around XX/XX/2016 I  assumed that this payment would cover my XX/XX/XXXX regular installment payment and that I was safe  until my Gap insurance company concluded their part in paying the remaining balance. I received a call from GM Financial in the later month of XX/XX/XXXX making me aware that I was past due on this account and that I needed to make a payment, therefore soon after I made a payment of the balance owed and the next month 's balance until the GAP insurance payed off the rest. GM Financial dinged my credit report as being past due 30-60 days due to a miscommunication between me and their CSR. I am not sure how the payment was 30-60 days past due when it was only the month of XX/XX/XXXXpayment missed and I made a payment in XX/XX/XXXXfor the month of ( XX/XX/XXXX & XX/XX/XXXX ) once notified by the CSR. Prior to this incident I have never been late on a car payment with GM Financial. Due to the misunderstanding of me thinking that the insurance payment would be applied in the same manner as a regular payment coming from me I thought that it covered my regular payment as well. I have tried contacting GM Financial through many different channels to get this issue resolved. I am not asking for information to be deleted due to willful neglect, I am asking GM Financial to also see this issue from a customers perspective and also note that it is partially the fault of lack of proper communication that made this issue occur. 
XXXX  XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
To whom it may concern at one point I owed money to Original Creditor Name XXXX XXXX XXXX XXXX XXXX than it got turned over to Amerifinancial Solutions which has called up non stop after I have told non stop to stop calling me with harassing phone calls ... 

I paid off the original company in cash which was a hospital. I no longer owe said debt. Back in XXXX  I explained all this to someone at customer service and they said all of this would be taken care of and off my credit report files. As it is not accurate. Maybe someone did not put it in the computer that I paid. I do not know. I just hope this can all be cleared up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To CFPB, I'm contacting you regarding Trans Union and the fact that they appear to be jacking with my credit score. I suffer from XXXX  and have been in and out of the hospital and in the midst of all this Ive noticed that over the last 60 days my credit score has gone down almost a 100 points for no apparent reason. I have noticed in the past that you have fined companies like Trans Union for tampering or trying to sell consumers a product regarding their credit score which ended up being very miss leading. There has been no change to my credit in the past 60 days, and I have paid my bills on time.

I think its time to re investigate this company for possible fraud.

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 2020-11-14
Company: Exeter Finance Corp.
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:
I have loan that was closed by Exeter finance i was in jail and this finance company 's collection agency filed fraudulent judgements saying they served me but i was incarcerated and no one in my family ever heard from exeter finance nor collections agency. I sent demand letter to exeter finance collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Selene Finance LP
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Requested payoff quote from Selene Finance on XX/XX/XXXX. XX/XX/XXXX, still have not received the payoff quote. Called again and representative was very rude. Finally said request would be expedited and should have within 24 hours. As of today, XX/XX/XXXX, still no payoff quote. Called again and representative was again rude and refused to give a timeframe for when payoff quote will be provided.

Company response to consumer: Closed with explanation