BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Good Morning, I know there is a lawsuit against Navient. I graduated from XXXX ( XXXX  XXXX-XXXX XXXX  ), XXXX XXXX College ( XXXX-XXXX  ), and XXXX University ( XXXX in XXXX XXXX  ). I have served over ten years in XXXX XXXX XXXX XXXX XXXX XXXX, and I am being denied the {$18000.00} loan forgiveness because I had to combine my loans because I could not afford XXXX per month student loan payments. I have also been rejected for XXXX loan forgiveness ( I worked as a XXXX XXXX XXXX, etc. ), as well as public employee loan forgiveness. I am being denied three types of loan forgiveness programs because I had to combine my loans to ensure that I did not default on those loans because I would not be able to afford to pay them and was being a responsible adult. 

I upload all the documentation from Senator XXXX XXXX reply as well as the XXXX XXXX loan forgiveness denial letter from Sallie Mae. Sallie Mae transferred my loans to Navient. I now work at the XXXX XXXX XXXX XXXX in XXXX, New York which is another XXXX XXXX XXXX working with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
After review of my credit report I discovered accounts that were open in my name without my consent. GM Financial has a car note reporting that was a result of fraud. I filed an identity theft report as recommended by the FTC and took the steps needed to report the problem and remedy it quickly. After disputing with the credit bureaus XXXX refused to block or delete this account even with the identity theft report.The same information was sent to the other bureaus and it was removed.GM Financial was made away of this problem and it still has not been resolved. Although the account is not potentially negative I do not want it on my credit report because it's inaccurate and unknown to what kind of record it will lead to in the future. Time is of essence. I want this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called EdFinancial on XXXX 2022 and asked that all payments made during the Covid pause be refunded to my account. The representative told me it would be 21 days to process the refund. I asked for a confirmation number, or email to track the status, she stated it couldnt be provided to me. She stated I would have to call periodically to check on the status. I called again on XXXX 2022 and the representative informed me it would be a minimum of 150 days to refund the money I paid when student loans were in Covid forbearance. She stated she couldnt provide me with a confirmation email, and didnt know if the refund would be sent back to me by mail or through direct deposit. Per the CARES Act, I can request a refund of money I paid during a period when I wasnt obligated to pay it. The timeline of this refund is unsubstantiated, as well as the confirmation of the refund application itself. EdFinanciaXXXX has had several reports of similar cases with other students, wherein the tracking of their refunds is impossible. Other financial lenders are reporting 4-6 weeks of return processing, yet EdFinancial is the only lender whose processing time is 5 months at minimum. Id like the money returned in a timely manner and an update of the refund processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/21 I made an online purchase through American Eagle for three pairs of jeans in the amount of {$150.00}. Then on approximately XX/XX/21 I observed that my credit was pulled from American Eagle and I didn't understand why it was. I contacted American Eagle and they told me that I applied for two credit cards and was denied. I immediately informed them that I did not apply for any credit cards and I made a purchase on XX/XX/21 for three pairs of jeans and that was all. She patched me over to the fraud department and exchanged more information and ended saying that they will send a letter to the credit bureau 's informing them that I was a victim of identity theft. After that extended phone call I also called XXXX  and spoke with them and they informed me that I had to send a letter with all my information and the information that they told me to include also. I am sending off my letter to XXXX on XX/XX/21 and I will be awaiting their response. I am hoping that they will remove the fraudulent inquiries immediately so I won't have to deal with more issues of these fraudulent inquiries.

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 2017-09-06
Company: Netspend Corporation
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I ca n't remember the date right off hand but the company took XXXX from me saying I had unpaid prepaid card bills they would call me unknown saying they need money for unpaid bills this the other week they called saying I would have to send money for unpaid prepaid cards I do n't understand why would they take from me!!!! I thought prepaid cards was free

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 2022-09-02
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Apple Credit Card on XX/XX/2022 and was instantly denied. I asked " Why '' and a customer service rep by the name of XXXX ( XX/XX/2022 ) would only say credit ( incredibly rude ). I attempted to explain my $ XXXX per year income, my $ XXXX savings and for Apple to articulate the risk. They would only say " Please dispute with XXXX ''. Since the Apple card had a reputation for being discriminatory towards minorities and women, I tried to escalate the case to a Senior Manager, however I was met with the most unprofessional attitude I have ever encountered on the phone, no clarification as to way or a way to dispute with Apple/Goldman Sachs themselves on their incredibly XXXX and narrow decision. This is the second time I have received a denial but I was approved for a XXXX XXXX and XXXX XXXX two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Volvo Car Financial Services U.S., LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I surrendered my Volvo old lease for a new lease offer with Volvo and after 1 month I have received a bill with an " excess wear & tear '' in tires for {$780.00}. 
Volvo Dealership accepted my old lease after check all the car with no issues the same. They didn't tell me that I have to pay anything ( I think because they wanted to sell the cars : 3 cars, XXXX $ value the same day ). After I signed contract, one month after, I received a bill for excess wear for tires, and they try to charge me premium brand tires ( 3 ). Volvo dealership now says is not his fault, it is a problem of Volvo Car Financial Services, and Volvo Car Financial Services says that the responsibility of not telling me is the Volvo dealership AND THAT THE DEALERSHIP IS NOT AN AGENT OF VCFS SO WHAT THEY SAY IS NOT VALID FOR THEM ( but the lease contract is signed by the dealership ). 
Customer service is awful, after 3 complaining letters they don't answer any questions nor justify charges or honor their promises ( VOLVO promises, for me, dealership, volvo brand, and volvo car financial services are the same )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : Experian : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}

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 2023-08-29
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I observed charges from California on my account that I didn't make. I called Chime customer service and disputed this charges, upon requesting the disputed transactions to be investigated, I had to be issued a new card due to the current information being compromised. My date for receiving the new card was XX/XX/2023. I reached out to Chime customer support today due to not receiving my reissued debit card, shortly after I received a text message saying my address was updated, then the agent from chime said my card wasn't shipped due to my address needing to be updated, as I tried explaining to the agent, my address has already been updated XX/XX/2023 and that I had an email confirmation showing this, after updating my address in XXXX, I received my new card in XXXX, so there was no way that my new card wasn't shipped due to needing a address updated. I was then told the card would be express shipped and that I would receive it in 3 to 5 days. I then requested to speak to a supervisor to express my concerns due to the further wait of not having my debit card to use for shopping and financial needs. I was then told by the supervisor that the agent gave me false information and that I was going to now have to wait until XX/XX/2023 until my new card would arrive, due to the fact they didn't offer express shipping for my account and that if he was in my position he would transfer his funds to another financial institution and close his account. I then spoke via phone call to another supervisor that told me they do offer express shipping for accounts but not mine, when I explained what the previous supervisor told me I was transferred to another supervisor due to " audio issues '' on her end. I then requested an option for faster shipping with the new supervisor " XXXX '' that I was now speaking with, due to their mistakes and inconvenience they've caused that my card be shipped express but was told that decision was in the hands of there advanced customer solutions team. I have not received any information regarding the initial cause of my information being stolen and used for XXXX XXXX  in California, and haven't received any emails regarding my card replacement. I have all communications between myself and chime staff both audio recordings, emails and screenshots of full Chime support chat. This is beyond unacceptable and has been beyond frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Their investigation did not fix an error on your report

Complaint:
This complaint is foXXXX XXXX XXXX XXXX XXXX  from XXXX. We have tried to dispute a late/delinquent report on our credit and have tried multiple times with them not removing the derogatory report which is affecting our credit. We did a mortgage loan modification which at that time the rep told us we did not have to pay while in modification and didnt say it was going to affect our credit score. To this day, our credit report still says this account is XXXX days late which is now closed and they will not remove it stating that they have the correct information. 
We need this removed as soon as possible.

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 2023-06-25
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS : Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2017-09-07
Company: Law Office of Michael J. Scott, PC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The first letter received was dated XXXX XXXX, XXXX. It was from a michael scott law offices on Texas. They are representing XXXX XXXX which supposedly bought my XXXX XXXX account.They claim my debt is XXXX but they will settle for XXXX at XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CL Holdings LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Started getting unsolicited text on XX/XX/XXXX and calls non stop. Advised to cease text and calls. Upon review, this company is a sell off from several companies from a XX/XX/XXXX nearly 13 year old charge off and are harassing my with a judgment will I pulled the information. Not only did they not have express consent to text me, I am getting annomus calls coming up since I told them to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: MS
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:
all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month

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 2022-09-02
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.

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 2022-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, at approximately XXXX hours, I requested that a cashier check be made for XXXX to the XXXX XXXX XXXX XXXX XXXX. The Chase Bank Associate informed me she was going to charge me XXXX for this cashiers check. I informed this person ( name unknown ) that I was grandfathered in and do not have to pay for cashiers checks. 

Bank Associate then informed me we changed the policies on those who were grandfathered in and sent out a letter to reflect that. I did not receive any letter via United states mail, nor via email from Chase bank that informed me I would be charged for cashiers checks. 

It should be noted I do not have a check book but only make purchases via debit card or through the cashier checks when appropriated. Secondly, My original contract with chase stated I would not be charged for cashiers checks and have not been approached by Chaser Bank affiliates with a new contract, nor have I been informed to sign a new contract with Chase. In essence, Chase Bank is breaching their contract with the consumer and now charging XXXX for a cashiers check. 

I have been with Chase Bank since the XXXX XXXX I would like this matter to be investigated for inappropriate abuse of power to overcharge for a cashiers check. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a victim of identity theft and have notified the owner of the fraudulent loan, XXXX XXXX XXXX, and their collection agent, Weltman, Weinberg & Reis Co., LPA regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Weltman, Weinberg & Reis Co., LPA that I have not received any response to, and will provide a summary of my dispute below. 
A private student loan, account no. ending in XXXX, was obtained in my name without my consent or knowledge. I received a collection letter from Weltman, Weinberg & Reis Co., LPA dated XX/XX/2019 seeking collection on the above-referenced student loan. I have been attempting to notify Weltman, Weinberg & Reis Co., LPA since receipt of the collection letter that the account was not mine, and that I never signed or agreed to any such student loan. I sent the attached notice to Weltman, Weinberg & Reis Co., LPA on XX/XX/2019 notifying them of the fraudulent nature of this account, but have not received any response. 
As stated in the attached identify theft affidavit, I have not opened any student loans or co-signed for any student loans with the original creditor, XXXX XXXX, and the accounts are harming my credit and have caused worry, stress and hardship that has affected my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I formerly had a credit card through XXXX XXXX XXXX which I never used. However, in XX/XX/XXXX, the card was compromised and fraudulent transactions were processed. I disputed the transactions immediately, but XXXX XXXX continued to bill me for them ; when I refused to pay, the added interest, fees, and penalties. 

With no resolution in sight, on XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX, they referred the case to the Office of the Comptroller of the Currency. On XX/XX/XXXX, the OCC mailed me to say they had initiated their process and contacted the bank. On XX/XX/XXXX, XXXX XXXX mailed me to say they were clearing all monies ( transactions, fees, penalties ), closing my account as I had requested, and reporting the change to the credit bureaus. I received a letter on XX/XX/XXXX from the XXXX confirming same ( all documentation attached ). My credit score immediately jumped back to its normal 750 range, and all was well. 

Until today. 

I am in the process of purchasing a new home, and our credit report came back with a claim from your agency, citing a collection of the above-referenced debt. I called your company for an explanation, and was told that you had purchased this debt on XX/XX/XXXX. If that is the case, how was XXXX XXXX able to adjust my account? How could they have corrected the issue with the credit bureaus if they didnt even own the debt? None of this foots, and I demand an explanation. 

I am already being negatively impacted by this matter, not only in the interest rate Id have to pay on my mortgage, but on the limitation it puts on the amount I can finance.

Company response to consumer: Closed with explanation