BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-17
Company: AES/PHEAA
State: NY
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:
After being unemployed for several years, I secured a position at a XXXX XXXX in XX/XX/2018. I was excited to begin reducing my student loans that were on deferment for many months. Once I started working, I later applied for PSLF and submitted all the necessary documents. My first set of paperwork was submitted in XXXX but three months later, XXXX sent me a notice that it was incorrect. I immediately resubmitted the paperwork and continued to XXXX payments of {$400.00}. Later, I was sent a statement for {$200.00}, then another for {$380.00} because XXXX is unable to determine my income based repayment amount and none of my payments were applied to the PSLF program. See attached statement. I have spoken with a representative each month since then and they are still unable to determine an amount. My total amount paid is {$800.00} since XXXX and {$790.00} is applied to interest and {$.00} is applied to principal. It seems that this loan forgiveness program is a scam. A scam because it is taking  XXXX 3 months to determine my payments while I continue to pay and none of them were applied toward PSLF, which means I have to pay beyond the required time frame. The interest rate on the loan is 8.25 % and I am unable to set-up the auto payments for a rate reduction, because once again my final payment is undetermined. As per XXXX, they can not refi even with market rates at approx 4 %. I feel very betrayed by this program, considering my determination and excitement to finally having the ability to pay-down the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: AES/PHEAA
State: VA
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:
When my loan was serviced by XXXX XXXX, I received bad information on student loan repayment. I was advised to put the loan into forbearance while working at the US Census Bureau as a statistician in Washington DC. My IBR would have been XXXX for that year but the lender recommended forbearance. Those 12 payments never happened at the census bureau and I lost a year of eligibility for PSLF. The year was XX/XX/XXXX to XX/XX/XXXX. The prior tax year I received no income as a graduate student.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
Received letters with barcodes that lead me to paintings for sale

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 2018-12-18
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The company i used to work for is no longer in business and i am needing my complete my pay statements from XX/XX/2014 through XX/XX/2014. For additional information needed from me i can be reached at XXXX. My address while I was employeed there was XXXX XXXX XXXX XXXX XXXX XXXXXXXX   however, I've moved to XXXX since then. What I am looking for a document stating and/or showing when was the last contribution i made to my 401K through manual payments/ pay deductions.

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 2021-06-07
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I have a credit card account from Navy Federal showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to Navy Federal and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; XXXX  and XXXX, however, are saying that Navy Federal says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, XXXX  and XXXX  just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: MI
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 have disputed XXXX XXXX XXXX card for 2 yrs with Experian, XXXX and XXXX because I never had this card or requested a card from this company. Not only am I being forced to have this card on my credit report when its not mine and CHARGED OFF 25 TIMES, but also being FORCED to deal with the account furnishing inaccurate credit information. This account is charged off and closed. Charge off accounts are not to have PAST DUE balances, yet this account has a {$580.00} past due balance, 25 charge offs and last updated XXXX XXXX but really last updated Today from my current dispute notice. My next step is federal court to FRCA violation for inaccurately furnishing information, disregarding these disputes and knowingly continuing to report inaccurate information. The payment history is also incorrect. I NEVER had this credit card, especially starting in XXXX as the pay history indicates. This account is from XXXX. I now believe that this company is PURPOSELY continuing to report inaccurately to hurt me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint with this company a few weeks back. This company sent me reply to my concerns and mailed me a packet that shows a bill. This account does not belong to me. My phone carrier is XXXX and not XXXX. I NEVER had an account with XXXX and I am willing to provide the burden of proof in a court of law if I have too. I take my credit seriously and I will do whatever it takes to keep my credit in good standing. Please remove this account of my credit report before my next course of action concerning my credit reports.

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 2019-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I decided to pay off a credit card balance of {$490.00} owed to capital one and I received a receipt for my payment.I am now being hounded by XXXX XXXX XXXX, XXXX for that same bebt.I sent them a copy of my receipt and they now reported it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Numerous times I have contacted the XXXX XXXX XXXX and Transunion regarding an open delinquent account showing on my credit report. The balance is incorrect which states that I owe {$170.00} but the actual amount that I owed was {$33.00}. I requested proof from the company and finally received it this year although I paid the bill in XX/XX/2016 ; therefore I have a {$0.00} balance and never was it {$170.00} debt. I still see the incorrect amount listed on my credit report and as an opened account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: SYNCHRONY FINANCIAL
State: CA
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 have the unknown negative items on my credit report which are not mine My identity was stolen before and maybe someone opened and used my account Sybcb/XXXX Acct number # XXXX Syncb/XXXX  Acct # XXXX

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 2021-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Currently having a dispute with USAA with regards to the banking issues, and per the user agreement, no litigation can be filed before the arbitration process is completed. However, USAA is not willing to pay for any fees they owe in the arbitration, the arbitration process can not be continued, and USAA still demanding payment from me for an unknown amount. Before going to the court process, wish to resolve this matter with USAA on this platform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: TX
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 placed an order from XXXX XXXX  for {$56.00} on XXXX. I theirs to cancel the order several times with emails and received a message there was no order for me under that number or email address. Citcards reaches out to the merchant received no shipping information and only a letter stating an item was shipped and they decided this was enough. I have not received anything and I am disputing this as a fraudulent transaction since I have received nothing from the seller.

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 2018-05-18
Company: EQUIFAX, INC.
State: FL
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:
I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day.

I called to cancel my appointment that I didn't want to apply for the promotion.

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first.

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do.

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report.

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan.

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Netspend Corporation
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a claim with Paypal Prepaid at the end of XXXX. I cancelled that claim on XX/XX/XXXX because I was working with the business to get the issue resolved. The business XXXX has agreed to issue me my remaining refund on XX/XX/XXXX. However, Paypal Prepaid refuses to deposit the money into my account. I don't even have access to the other funds in my account either. Prepaid Paypal told me the claim that I requested to be closed numerous times wouldn't be resolved until XX/XX/XXXX. I refuse to wait that long and have more money deducted from my account. The issue with XXXX will be resolved as soon as Paypal Prepaid deposits their refund into my account. I filed multiple claims at the end of XXXX also. The other claims ( same issue ) were cancelled. 
Paypal Prepaid sent me multiple fake " permanent '' cards that I couldn't activate also. Paypal Prepaid told me that the cards were not in their system. Therefore, I couldn't activate them. My temporary card expired for this reason. Paypal Prepaid takes a monthly fee out of my account and I don't even have access to my money now. It has been a nightmare dealing with Paypal Prepaid. They send me the same generic responses most of the time.

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 2018-12-18
Company: EQUIFAX, INC.
State: CA
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 am unable to place or remove a security freeze of my Equifax credit report on their website ( my.equifax.com ). 

When attempting to lift a security freeze, I am redirected to a web page that requests me to fill out a form and send it to them via regular mail with additional identification information. I have sent the requested form to the provided address via regular mail more than a month ago, but have received no written or verbal response from Equifax. 

I have spoken to Equifax customer care over the phone twice about this issue ( XX/XX/XXXX and XX/XX/2018 ). They are unable or unwilling to resolve the problem and only offer to place or lift the freeze over the phone, which is time consuming. 

Federal law ( Economic Growth, Regulatory Relief and Consumer Protection Act ) requires credit reporting agencies to provide a web page where consumers can place or remove a freeze. Equifax is in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I HAVE A BANK OF AMERICA CARD THROUGH UNEMPLOYMENT BECAUSE OF FRAUD ISSUES MY ACCOUNT WAS FROZEN NOW UN FROZEN BUT THEY MADE MY ACCOUNT NEGATIVE OF FRAUD CHARGES OF XXXX AFTER THEY SENT A LETTER STATING THE ISSUE WAS CLOSED AND INVESTIGATION FOUND THE CARD HAD FRADULENT CHARGES AND WHEN THEY FROZE MY ACCOUNT THERE WAS TWO PAYMENT OF XXXX TO BE DEPOSITED AND THEY WERE RETURNED I CALL THEY BLAME EDD EDD SAYS ITS BANK OF AMERICA BUT IM OUT XXXX AND NEED MONEY FOR BILLS BANK OF AMERICA I WAS ON HOLD FOR 3 HOURS THEN IT SAYS TO BUSY TO TAKE YOUR CALL AND HANGS 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 monetary relief
Consumer complaint received 2018-12-18
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX collection agency sent me a letter received XX/XX/18 in response to a validation of debt letter. The company was unable to validate the debt but stated in the letter they will no longer respond to my requests. There is no attached contract or validating documents to support this debt being mine or that I owe it. I sent a validation request the first week of XXXX and their response is XXXX will now cease further communication with you regarding the account. 

Due to my rights as a consumer being violated this debt needs to cease reporting to the Credit Repair Bureaus all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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:
I am absolutely APPALLED at the level of customer service I have received when I tried to book a flight home for the holidays using my points. I have spoken with Chase Travel and Chase Customer / Card support personnel ( through level 4 ) and no one was able to help me nor seemed to care of take responsibility. No one seemed to care about the customer nor gave me any options for me to use my points. There was no consistency with their responses. Personnel told me that I would get a call back in four hours, I did not receive one. Another personnel told me I'd get more points to compensate, I did not receive any. Extremely misleading. See personnel information below : 1. XXXX ( Chase Travel ) 2. XXXX ( Chase Travel Supervisor ) - XXXX 3. XXXX  ( Chase Travel Supervisor ) 4. XXXX ( Tier 4 Support ) - XXXX, XXXX 5. XXXX ( Account Supervisor - Chase Card Services ) - refused to give me identification number because of bad service 6. XXXX - refused to give me identification number because lack of accountability 7. XXXX ( Supervisor ) - XXXX  I have been on calls from XX/XX/XXXX each day for 2-3 hours each day. I've been passed on from person to person. It's extremely deceiving and it's absolutely a terrible customer service experience. I've been a member of Chase for years and I have been accumulating points for years with the assumption that I could use them. However, no one was able to help me use them and implied that they are essentially useless. 3 days. 3 DAYS! I've spent at least 6+ hours on the phone with no support. Please go and check the recordings of the calls for proof. I had multiple people on the line at the same time and no one wanted to take accountability. There is no one system of record as no two people understand my complaint number. Just an awful, awful AWFUL experience. This institution should not be allowed to deal with customers as they do not put them first. They make consumers deal with the problem even though it is an internal problem. I had to call back multiple times because I did not receive a call back. Not only do I have a large amount of points that I can't use, I also can't get home for the holidays. I will also be submitting a UDAAP complaint to the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Liberty Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This number has called my phone and XXXX in attempts to reach me pretending to be XXXX county. I contacted XXXX county and they said that there is no such case number and that they would not call from a blocked number and hold no offices out of state. The number that reached me called on XX/XX/20 and left a call back number of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-05-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is regarding complaint XXXX. The Lender still has not show proof of ownership. The lender is clearly stated as XXXX XXXX XXXX XXXXXXXX A New York Company . This company is not listed in the Division of banking or any New York Data base showing this company existed or has been registed as a lender. I am looking for the transfer papers from XXXX XXXX to another lender that many have purchased this loan. 
Proof not provided in response of complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CITIBANK, N.A.
State: CA
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 have an unknown account on my credit report XXXXCbna Account no XXXX

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 2022-03-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Commonwealth Financial has been harassing me to pay a debt that does not belong to me, Violated hippa and sent incrimanating medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: ARS National Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS National Services sent me a response to a validation request I sent to them on XX/XX/2018. I am not under contract with ARS National Services not was a contract sent to me to validate this debt request. I do not owe this debt and al requests to collect should cease and be removed from all credit bureaus. 

Due to my rights as a consumer being violated this debt needs to cease reporting to the Credit Repair Bureaus all three.All incorrect unvalidated information needs to be deleted immediately.

Company response to consumer: Closed with explanation