BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My son XXXX XXXX is in school and will receive his PHD in XXXX. He has student loans through Sallie Mae. Sallie Mae has made his loans revert to payment status as of right now. My son uploaded deferment information on XX/XX/XXXX and again on the XXXX with no response. He then called Sallie Mae on the XXXX of XXXX and was told they had received the information and it would be 5 - 7 more days. I am a cosigner on his loans. I called into XXXX XXXX on XX/XX/XXXX and was hung up on twice. The first gentleman I spoke with was XXXX. He found his information and then began to process this information. The phoned was cut off and I had to call back twice more. I finally got XXXX on the phone who then told me it would be another 10- 15 days. I explained to her this was unacceptable as this will not put a mark on our credit reports as being late. I called back on Wednesday XX/XX/XXXX and was told that the deferment was only allowed for 48 months and that his loans were now due. The person on the phone was rude at that time so I asked to speak with a supervisor. XXXX who was a supervisor came on the phone to explain that the loans were now due and my son has no other options but to call the loan resolution department. At that time there were 28 people ahead of us so we decided to call back on XX/XX/XXXX. I called into the loan resolution team at ( XXXX ) XXXX at XXXX am. I finally had someone pick up the phone at XXXX am. The lady on the phone did not give her name but said he had no other options but he may be able to reduce the payment to $ XXXX. Before I could ask a question this person has left me on hold now for over one hour. My son is in school and I do have a job. Now according to the recording there are 48 people ahead of me as I guess the representatives want us to hang up. As of right now I have been on hold for 1 hour and 30 minutes with no one picking up.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payments towards Public Service Loan Forgiveness for many years and I re-certify my qualified employment often ( at least once a year ). I also have been careful to ensure my loan payments have all been eligible ( IDR ). While I am very grateful that I am now able to log in and actually see which payments have counted towards my repayment I also see that entire 12 months of qualified payments with an eligible employer ( University of XXXX- System ) have not been counted ( XX/XX/XXXX through XX/XX/XXXX ). I raised this twice with my loan servicer both over the phone and via chat ( XX/XX/XXXX ). I have sent the signed employment certification 3 times that includes those missing 12 months. The loan servicer responses continue to neglect including those 12 months. I am so close to discharging two loans. I need your help in getting this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This my final attempt I have provided proof of my location and address to these debt collectors and they continue to cause hardship on my life during a very hard time. Bi not only federal law but New Yorks state law I must be given 30 notice before any negative marking on my credit to challnage the debt. I was never awarded that right.. not once have u shown me method of payment. Or any binding contract besides my name and a number when I have requested proof.. 
If you look at people of New York vs XXXX XXXX  it states case : XXXX XXXX. Thats the year of arrest convicted and sentenced XXXX XXXX all these investigation are comducted bi people of there own company and next I am filling a complaint with the attorney general of New York.. which is very scripting with there laws.. I have tried to provide proof and they leave me no choice my credit is constantly being denied because of there unlawful and unethical tactics the law is the law. Look at the dates of there letters XXXX, XXXX and so on I am clearly showing u case law public record of me being XXXX  XXXX  so who ever u was talking too was not me. XXXX XXXX XXXX doesnt even exist so how could u possible collecting a debt from them and valid date it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX card was sold to Goldman Sachs Marcus product. I have had no access to my credit card information for a week. I got onto their online system XXXX day and was able to make a payment otherwise it has not worked. Their online system keeps saying this : We're having some technical issues We know this isnt the screen you were expecting, but a website error is getting in the way at the moment. Please check back in a few hours our team is working on a solution. 

If you have an urgent matter, you can reach our Contact Center : Monday to Friday, XXXX am - XXXX pm, or Saturday to Sunday, XXXX am - XXXX pm ET. 

Savings & Insights customers : XXXX Personal Loan & MarcusPay customers : XXXX Business Line of Credit customers : XXXX Monday to Friday, XXXX am XXXX pm ET. 

XXXX customers : XXXX XXXX hours a day / 7 days a week. 

XXXX XXXX XXXX customers : XXXX We apologize for the inconvenience. 

When you call the XXXX number it says they are experiencing long wait times of over an hour try back later. This is terrible service! My card works but I can not verify charges or a credit I am expecting back on my card. An organization of this size should have been prepared for this and required to make sure the online system would work or at the least, hire more people to answer the phones. Customer service is starting off terrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: SYNCHRONY FINANCIAL
State: TX
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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX reported a credit inquiries to my credit report as a hard inquiries which have effected me negatively.

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 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. Transunion and XXXX both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised Transunion and XXXX that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to Transunion and XXXX without the consent of the court.In return, this is inaccurate information and the process thereof.

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 2017-11-09
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed out a Debt Validation letter to Macy 's On XXXX XXXX 2017. They responded but did not provided any Validation with my original signature. This account is impacting my credit score and is stopping me from getting a Mortgage.

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 2019-08-05
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call this morning from Transworld Systems Inc, attempting to collect on debts that the statute of limitations ran out on back in XXXX. I was sued on multiple occasions in XXXX, and each case was dismissed without prejudice, because TSI did not have the proper documentation. The guy on the phone told me they now have the proper documentation and can re-file a suit unless I can figure out a resolution. He outright lied to me and illegally tried to get me to make a payment or enter a payment plan, via bullying tactics. The number he called from is XXXX. When a lawsuit is filed, it does not toll the statute of limitations. And the fact that the lawsuits were dismissed without prejudice did not extend the statute of limitations ; they continued to run.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: CO
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:
Experian and XXXX should not be reporting duplicate Bankruptcy accounts on my credit report. ( Please see page attached. ) The Bankruptcy was previously filed as a Chapter XXXX and was discharged under Chapter XXXX. This false reporting of this account is seriously harming my credit score and both of these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-09-02
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXXI attempted to make a rent payment using my Google Wallet account. The transaction was cancelled. When I reached out to Google customer support, they informed me that the card issuing bank had cancelled the transaction. I called XXXX XXXX, the card issuer, and they stated that the transaction had posted to my account and they did not cancel the transaction. I then contacted Google support again and relayed the information the bank had given me. Google then stated that they flagged my account as risky and cancelled the payment. Further, they reviewed my account and unflagged it. At this point I asked if the transaction would go through and Google support stated no that it was cancelled. I then asked for a refund and was told that usually refunds are instant, though sometimes can take 10 business days. I asked if there was an issue returning the money and the support response was " In an ongoing effort to protect customers and Google from fraud during transactions, our Risk specialist team reviews all transactions coming through Google 's payments service ''. I then asked for the names and ID 's of the specialists involved as I plan on filing a complaint and was told that information was not available. Google support has stated that " Rest assured that your money is safe with us. It 's a process based decision to keep the account on temporary hold when they find any risk issues involved. '' but has refused to release my money or push the transaction through even though my account had been assessed to not be a risk. Google has refused to release any names or ID 's for the specialist team. The risk assessment seems arbitrary and without warning.

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 2022-03-03
Company: EQUIFAX, INC.
State: TN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: GA
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:
investigation was not preform and they did investigate the claim or try they do not have any contract with my name on it how did they certify anything they ignored my quest and keep information from being investigate which did invalidate they this is a validation of the fair debt collection act 601.

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 2017-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XXXX XXXX XXXX we purchased a guitar from XXXX, paid for via Capital One credit Card. 
When the instrument arrived it was manufactured incorrectly and was broken. Attempts to get the supplier to replace were ignored so I advised Capital One to credit it. This was in XXXX XXXX. Since then Capital One just keep changing their rules, a sking for the same information over and over again. I have rung them about 20 times. 1 year later still no refund. Total amount is {$340.00} USD. I am sure Capital One has insurance but they wo n't deal with the refund. My most recent contact they again asked for a report on the damage they already have had twice. i am being deliberately strung along hoping I will go away and they never reply even though they say they will respond in 90 days, they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: DISCOVER BANK
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:
I filed a complaint against Discover Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my account for no reasons and they will not helping me with getting it back up and going. I am not sure if this is someone mistake as I assume, it has to be. I have not been able to get help from them for months, but I just remembered that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The account listed was cancelled and rescinded because of fraud on the loan. Notice was sent to the Bank and Dealer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I always make my payment on time. I am never late and try to use the card as much as possible. I had made a payment to the card without realizing I had accidentally grabbed the wrong banking information. When I realized I had submitted my payment it was already too late to cancel. Capital one advised me to wait until the payment was returned then just submit the payment again and I should be fine. So I did just that. HAD I KNOWN if waiting for the return payment to process on my account would negatively impact my ability to request a credit limit increase, I would have said something right then and there! The online system did n't not let me resubmit a payment. Might I add that I did pay my balance completely off a few days later using the right banking information. My complaint is that I tried to request a credit limit increase and was declined because of my human error. My credit is decent and I always pay on time. The customer service reps do not care about the consumer, only the interest of the company and will not remove the return payment. Now my credit is affected by this and all I was doing was following directions. All i want is the return payment to be removed from my profile. I have called multiple times and got tye same answer that i have to wait up to 12 months for it to go away. I am lost for words. Alibi want to do is get a credit limit increase and now I can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a FREEZE on my credit reports in the past week of XXXX XXXX, XXXX and when I called XXXX XXXX at XXXX on XXXX evening, I told them my accounts have a FREEZE on them. I have a pin number that was sent to me, but apparently the FREEZE does not work. I was able to purchase XXXX at the level I chose with the 30 day free promo code. I was unable to call them to fix this because of the long phone queues and no one answers. I know they are under fire from watching XXXX XXXX. If the FREEZE is not going to work, t hen do n't issue a pin number. I always follow up. Trust and verify.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2022 I sent a letter regarding inaccurate items being listed on my consumer report. Its now 44 days later and I have not received a response back yet. My consumer report is causing me grave injury due to the inaccurate reporting and I feel like Im seriously being taken advantage of. I have read the fair credit reporting act and section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Its been well over 30 days, in fact tomorrow XX/XX/2022 will make 45 days and still no response yet so the items that are reporting inaccurately should be removed promptly. I demand these accounts to be deleted immediately or I will file for litigation for the injury and emotional anguish this matter is causing me. I also recently found out my information has been impacted by the XXXX XXXX XXXX and may have been exposed to the wrong person.

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