BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: AMERICAN EXPRESS COMPANY
State: MA
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 customer service

Complaint:
I received a new American Express card. I needed to contact customer service. The customer service phone number is printed in 2.22pt. type. I measured it. Additionally, the first 3 digits are obscured by elements of graphic design. Also, the contrast is very low. I had to dial the number by trial and error. When I explained to the representative I could not read the phone number because of these conditions she suggested I get someone to help me. This would place me in a dependent position, creating a XXXX where there is none. My vision is within normal limits. 
I asked to speak with a supervisor. I asked what accomodations they have in place for people who could not read the number. She said there are none. 

I believe this places American Express out of compliance with the ADA. In addition, the consumer is placed in a position of vulnerability financially by requiring the assistance of a helper with financial management where no bonafide need exists for such help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continually get calls from Convergent. I get 4 to 5 calls a day. They come from a # XXXX. Each time I answer, they state who they are and that they are a debt collector. 
Then they tell me that I have a unpaid debt to : XXXX XXXX.. They state that I took the loan out in XXXX and I made my last payment on it in XXXX. They then state that i have a outstanding balance. 
I advised them that I had filed a Chapter XXXX in XXXX during my divorce and any loans were taken care of through my Chapter XXXX. 
I also advise them that if i did have any debt that old and from before XXXX, then this debt would have been included in the chapter XXXX and the debt is also past the statue of limitations for my state. 
I also advised them that I had a loan with XXXX XXXX around XXXX to XXXX and this loan is paid in full and I also have a lean release and clear title. I also told them I do not believe that XXXX XXXX would have given me another loan if I owed them money. 
I am then given the same story from them that they are going to put it on my credit report, They are going to take my home and also going to garnish my wages. 
I advised them to send me copies of the original paperwork and any and all documentation .They advised me that they do not have to do this .It is my responsibility to keep my own records. 
I have asked them to stop calling.I have used their website and also called them and the calls keep coming.

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 2018-07-31
Company: Equitable Acceptance Corp
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Good Afternoon, XX/XX/XXXX Approximately around XX/XX/XXXX I was offered the opportuntiy for loan forgiveness by a gentleman named XXXX XXXX. He claimed to be a Student Advisor. He stated to me I was eligible for student forgiveness after signing document I had no access to after  signing. He explained to me that I would have to pay equitable acceptance {$49.00} a month to assist me with paperwpork that took less than a minute to fillout. ( I found this out by calling XXXX. One of the representatives explained everything to me today ). I'm a busy working mom who had hopes of loan forgiveness without knowing the real details. I feel really silly now but at least I found out. My curiosty stirred up a few times when I looked at my credit report and the balance of {$42000.00} plus was always there. He told me once I started paying equitable accetance I would notice a change from XXXX to XXXX on my credit report which it did. I wasn't aware that the service was free and under one minute to fill out on your own. This renewal is annual and the student loan company just want to ensure your information remains the same. I was paying {$49.00} bucks a month to do accomplish this very quick process. ( smh ) .. I was told that I may have to close my bank account and reopen it to prevent the reoccurrence of an automatic deduction. This equiptable acceptance account is also on my credit report and it can ruin my credit for non-payment. They have access to my fafsa account, bank account and now eligible to riun my credit. I am submitting proof of payment to you with hopes of reconciliation in this situation. When your busy and someone tries to convince you to do something that seems assuring still stop and look into it or just don't do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA   XXXX XX/XX/XXXX Fraud Department 800 Loan Department I am writing to dispute the following information that your company provided to credit bureaus.

This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Nissan have the credit inquiries ( s )  removed from all of my credit reports. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Several attempts in writing were made to Navient to provide original master loan instruments of debt to verify and validate. Documentation was not received in timely manner. Sufficient original promissory documentation listing them or the loan amounts and terms were not received. Navient is reporting duplicate and false info to credit bureau 's severely hurting my financial status with Navient deceptive practices. Navient sent a printed statement. Need quick help. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: WA
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:
Recieved a phone call from XXXX on XX/XX/2020 at XXXX XXXX. 

Caller stated he was was from credit card company and had received information on me about credit card debt from Experian Credit Reporting Service. 

Caller stated could eliminate all credit card debt. When I told the caller was not interested, caller said are you stupid? When asked again how they acquired my information caller stated Experian Credit Reporting Service and said I was a XXXX XXXX. 

I hung up.

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 2020-06-25
Company: JPMORGAN CHASE & CO.
State: CA
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:
This was from over a year ago, and I did not know that there is a place to file a complaint like this. So please forgive me if this complaint is too late to be filed. 

On XX/XX/XXXX. 
When I checked my chase Freedom account, I found that all my points are gone and my account was closed. So I called the customer service to see what happened. The lady told me that Chase sent me a letter in XX/XX/XXXX that my account will be closed, and I will have 30 days to use my points. BUT, I moved to a different house in XX/XX/XXXX, I even forwarded my mails to my new address through a service of USPS, but I did NOT get the mail from Chase on closing my account! And they didn't notify me through any other method other than that one letter. I had XXXX points in my account for my purchases in FOUR years with this Chase Freedom credit card, and I lost all those points because a letter was somehow lost. This seems really unfair to me, and the lady from CS told me there is nothing Chase can do in this situation. So I want to file a complaint about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a co-signer on a loan that my deceased grandson originated with Sallie Mae and later transferred to Navient. I asked my daughter in law to contact them on my behalf to request a copy of the loan documents, payment history and proof that he opted out of an insurance that would have covered the debt ( according to Navient ) which I have requested in the past and never received. She sent that request XX/XX/2018. We did not receive any further correspondence from Navient until XXXX when the transferred it to collections and filed negative reporting on my credit history. They also said they mailed a letter on XX/XX/2018 stating they had to have authorization to release information to a third party. My daughter in law did not try to obtain anything until XX/XX/XXXX so I don't know why they would send a letter the day before. As of today I still have not received any of the information that has been requested. Up until XXXX I made all monthly payments timely because they told me it was owed although I have been requesting documentation to show how much was owed for how long and now I have started to question everything that has been paid because to date I haven't received any paperwork other than monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used Moneygram.com online service XXXX to transfer {$2000.00} US dollars to a relative living in XXXX. Moneygram declined my request, which is fine. I was told on XXXX that if money was taken out of my checking account I would receive a a refund within 10 to 15 business days. 

As of XXXX I had not received a refund so I called Moneygram. The Moneygam customer service representative at that time stated that there was nothing Moneygram could do. The representative instructed me to file a complaint with my bank. 

I filed a fraud investigation with my bank on XXXX. 

On XXXX I called Moneygram again and was told that even though the transaction was declined, it was not cancelled, thus the refund was not processed. I was told that I would receive the refund in 10 to 15 days.

My complaint is : 1 ) Moneygram has concerning, sloppy operations. If the transaction was declined, why was not the transaction cancelled immediately to stop the withdrawal from my checking account. Further, despite that gap, the internal process/procedures to review declined accounts and cancel the transaction has no controls causing customers emotional and financial harm.

2 ) if my transaction was declined, why did Moneygram take money out of my checking account in teh first place? When a decline is made, Moneygram should have an automated process to automatically cancel any sort of withdrawal request.

3 ) The time frame for a refund is archaic. I understand it may take a day or two for funds to be electronically transferred from one bank to another. Most transfers I initiate from one bank to anyther takes two, maybe three days. Being that Moneygram already has my funds, the transfer process should not take more than two to three business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: OH
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:
These issues are with 2 of the 3 major credit reporting agencies XXXX, and Experian. Each month for the past 18 months I have disputed 3 medical collection accounts on my credit reports. I have asked them to verify that these are in fact my accounts which are not. I keep getting a generic electronic statement stating the accounts have been verified. But by what means? I have requested to know who they spoke to, producing any signatures of mine, as well as any contracts, as well as what these medical charges are for. It has been very frustrating for me in the fact that these are the only derogatory items on my reports. Previously upon request, XXXX  removed them from my report. I have had no success with XXXX  and Experian. The collection agency is : XXXX XXXX XXXX XXXX  The amounts are : {$1500.00} {$1000.00} {$1300.00} I can produce correspondence if needed as I currently don't have the ability to upload documents. Any assistance regarding this would be appreciated as I would like to apply for a home mortgage in the next 90 days. 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 2018-10-05
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was reviewing my account and noticed some charges coming out of the account. I tried to dispute them and saw it wouldn't allow me to pull those up. I did some XXXX  and see that the funds were taken to be put into another account that my name was associated with for my ex-husband that I was informed I was removed off of many months ago. Due to this I am now out almost XXXX dollars and am absolutely disgusted that nothing was said to me before this action was taken. How very deceptive and sneaky of a company to do something like this to a customer of over 10 years.

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 2020-06-24
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My daughter was purchasing a puppy through a website. After 21 email exchanges with questions with the person ( including questions, requests for references, videos, etc ), they sent a contract that my daughter signed ( after I reviewed it ). Then we initiated the transfer of money through Zelle ( through our bank XXXX   ). I assumed Zelle was safe since it was linked to my bank account. Then they asked for more money, and once they did that, I knew it was a scam. This is not acceptable and we should get our {$600.00} returned. I have contacted Zelle and they just want to say that Zelle should be used with a trusted source. But we had a contract, which would imply a trusted source. 

In addition to the contract that I have provided.. I can provide all email documentation and texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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:
XX/XX/2018 I received a letter from XXXX XXXX XXXX in regards to a debt on a auto loan with a settlement offer which I paid and a promise to delete the account from the various credit reporting agencies. I was told it would take 90 days by XXXX to delete the account so far that hasnt materialized. I have also disputed the account through the various credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sent a certified letter to Equifax ( credit bureau ) on XX/XX/2018 requesting a 'free ' copy of my report since I was denied a XXXX credit card ( XXXX ). XXXX provided the Equifax address when I contact Equifax. Equifax has not replied or responded to my request, and since they have my current data in file, so no need to 'update ' anything to provide my report. There is a Federal Statute that Equifax ignores. There is a class action suit, and numerous government actions pending against them already. Maybe a local civil suit is in order too? 
It may help to Reference Appt # XXXX from the XXXX correspondence. 

XXXX Today : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with Equifax. Disputed it and got a response back that I needed to have the company call Equifax and remove it. Called XXXX and XXXX and they still can not find anything to use to show Equifax to remove. I am being told they need proof for Equifax and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XXXX/XXXX/XXXX. I started this on XXXX/XXXX/XXXX to have it removed today is XXXX/XXXX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at Equifax and will be sending my complaint to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On two separate occasions Bank of America has tried calling to collect a Credit Card Payment for an individual that is known to my mother and I but we are not listed on this individuals Credit Card for any reason and on numbers they should not have access to. The first attempt to collect was made by cell phone to my number on Tuesday, XXXX XXXX, XXXX about XXXX XXXX and I told Bank of America that I had nothing to do what this individuals credit card account and to not contact me any further. Then on Tuesday, XXXX XXXX, XXXX Bank of America called my mother asking about this individual again and my mother who is a Senior told them nothing and hung up. Bank of America then called back later that day and left a message that they were calling from XXXX XXXX XXXX for the individual and left a name and phone number for them to be reached at. I called Bank of America Thursday, XXXX XXXX, XXXX at the number they left on my mothers answering machine and told them that my mother does not have any financial responsibility or ties to this individual and should not be harassed about this individuals credit card and why are they calling her number and how did they get her number as again she has no financial ties to this individual. I gave the Bank of America phone representative my mothers number after she asked me to look up the call in question and when she did she stated that she would remove the number from this individuals account as I told her what was being done was illegal and harassment and that they would be reported for doing 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