BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: Navient Solutions, LLC.
State: NY
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 Navient numerous times regarding Public Service Loan Forgiveness but was told my loans didn't qualify. Now 13 years later I find out from my Union I could have turned my loans into Direct Loans and then I would have qualified for Public Service Loan Forgiveness. Had I known I would have turned them into Direct Loans and had them forgiven after 10 years.Now I will be going into retirement with student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
1. I disputed a bill for {$4900.00} in XXXX, and the merchant provided Amex with a fake sales invoice, falsely claiming I signed the sales receipt and picked up the merchandise from the store. I never went to the store, never signed any sales receipt.

2. Amex is asking me to pay the bill, while a collection company is also seeking to collect the same payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Im trying too close my account because I cant even use my money at the bank chase is lousy my money in mine and Im entitled too it, please can you close my checking. Account and make sure I receive my funds please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, 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 am writing due to non-compliance with Equifax, XXXX and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
CHASE offered the coupon bonus of {$300.00} when I opened a total checking account and set up with direct deposit and {$200.00} when I opened a saving account deposit total of {$15000.00}, Get {$100.00} extra when I did both which total of {$600.00}. 
On XX/XX/2019, I opened both accounts at CHASE in XXXX XXXX, CA branch with the banker XXXX XXXX XXXX XXXX XXXX. After she checked her system, She found that I closed my old accounts a year ago. She said I was qualified for this program. After I had completed all their requirements, on XX/XX/2019, I received {$100.00} only. Then I called XXXX XXXX at CHASE 's headquarter, XXXX XXXX e-mailed XXXX XXXX to pay me on the branch 's expense. I called XXXX XXXX several times, she did not respond. On XX/XX/2019, I walked in to the branch, XXXX XXXX was not there, I talked to XXXX XXXX who e-mailed XXXX XXXX to contact me. XXXX XXXX never contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had leased a new vehicle from Kia from XXXX and made all of my payments in full and on time each month. At the end of my term, I had returned the vehicle and an additional month was charged and I had no knowledge of it. The debt went on to be 30, 60 and over 90 days late. Ultimately ruining my credit and closing many doors for me for many years. Im still dealing with this issue and all of my efforts made in terms of reaching out to them myself and hiring a company to help me fight this battle were seemingly made in vain. Please help me get my things back in order. I dont deserve this

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 2022-01-27
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I no longer have a PayPal account, but received this email in my spam folder : From : " Billing Details! '' XXXX [ Add to Address Book ] To : " XXXX XXXX '' XXXX Subject : Pay-id XXXX..!! 
Date : XX/XX/2022 XXXX PM PayPal Hello XXXX, XX/XX/2022 XXXX PM Transaction ID : XXXX # XXXX XXXX It may take a several minutes for this transaction to show up in your account history. 

Seller Instructions to seller XXXX You haven't entered any instructions. 


Shipping address - confirmed Shipping details XXXX XXXX XXXX XXXX The seller hasn't provided any shipping details yet. 
AK XXXX United States XXXXnformation Qty. Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD XXXX x XXXX XXXX # # # XXXX # # XXXX Shipping and handling XXXX USD Insurance- not offered Total XXXX USD payment {$4200.00} USD sent to XXXX Receipt ID : XXXX Problems with this transaction? 
You have 45 days from the date of the purchase to issue a dispute in the Resolution Center -- XXXX XXXX XXXX XXXX Please Not try to reply to this message. automat'Ne notification system can't accept incoming messages. For immediate answers to your issues, visit our Help Center by clickinglielo located on any PayPal page. 

PayPalXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are 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 and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently applied for credit and pulled my entire report and noticed inquiries that I didnt authorize nor recognized. I called the company before trying to get the problem resolved with Transunion and unable to get any type of resolution. The companies couldnt give me any information regarding the inquiries. I have recently purchase the credit lock upgrade to lock my credit from future inquiries. Please take a look and remove the inquiries that wasnt authorized nor did I give permission to the companies to pull my credit. Again thanks for your prompt response and action. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Walked into brick and mortar location to handle this and still on my credit report. Account settled years ago. For XXXX dollars on a secured 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 2023-08-31
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX XXXX, I call Navient customer service. I had noticed that 2 variable rate loans ( Parent plus loans ) had recently increased from 4.2 percent ( approximately ) to 8.56.per cent. I asked customer service whether Navient had a legal obligation to inform me of the rate change. One customer service representative replied " Yes '' ; she was unable to locate any notification of the rate change sent to me. 

Secondly, having had the first telephone conversation disconnected by Navient, I called back the same day and asked what the calculation was to determine the varoiable interest rate. 
Customer service informed me that they could not/ would not give me calculation used to determine the adjusted rate. 
The two loans in question go back to XXXX. As of XXXX, the rate on the variable rate loans was approximately 4.2 %. 
Supposedly, Congress sets the interest rate on these loans ; I asked for documentation of the history of these loans going back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Put a card credit inquiry on my experience credit site. Its not down by me. Its hurts my credit score.

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 2018-02-11
Company: BARCLAYS BANK DELAWARE
State: PA
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:
Barclaycard blocks consumers from using third party products to access their financial data. I have a right to manage my finances as I see fit.

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 2022-01-27
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When Covid hit, my wife and I were both laid off. We signed up for the forbearance program offered by our Mortgage company, Specialized Loan Servicing. 
We're both full employed now, and have been making regular payments, however, Specialized Loan will not modify our loan. They want {$40000.00} or else they're threatening foreclosure. We clearly don't have {$40000.00} or else we would've made the regular payments all along. Additionally, they marked our credit as delinquent. This caused my credit score to drop XXXX points over night, this 'mark ' prevents me from refinancing. Interestingly, they downgraded my credit a week prior to rejecting our application for assistance. 
We can easily afford our home of 15 years, and Specialized loan continues to cash our payments. 
I'm looking for help with this situation, as I'm sure we're not the only people in this predicament. 

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 2021-02-02
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS Specialized Loan Serving is my mortgage service provider. 

I reached out to them back in XX/XX/XXXX to inform them I was directly effected by the Covid-19. 

They gave me a 6 month forbearance and then I asked for another extension and they gave an additional 3 months which brings my account due for payment XX/XX/XXXX I called to Make my XXXX payment and they mentioned the past balance plus my XXXX payment was due immediately and I explained we are senior citizens on a fixed income and couldnt afford to make that lump payment and asked if the past due balance could be moved to the end of our loan and we were ready to make our one month XX/XX/XXXX payment. 

They mentioned we would need to fill out documentation but to me it looked just like a traditional loan application and we were not told in the beginning that this would be a requirement to get the past amount moved to the end of the loan. 

I asked if we could have another extension that President Biden extended for all people who were effected by the Covid 19 and the rep mentioned they dont know anything about that and he just became President a few weeks ago. 

This is causing more stress on my husband and I we are elderly and we are trying to stay healthy and just want to pay our mortgage and have the balance that we owe put on the end. 

I feel like they arent operating under the Cares Act and need to follow the guidelines Thanks

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 2023-01-05
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-21
Company: LoanCare, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX or also called loancare, For the last 3 years I've purchased home owners and paid my agent directly for the full year. Each year my insurance agent has sent Loancare proof of insurance. XXXX moths ago Loancare added hazard insurance to my loan raising my monthly. They also said my escrow XXXX is behind in funds raising my monthly approx {$200.00}. I asked about the insurance payments going to escrow XXXX, I was told the insurance company refunded Loancare and they added to my escrow XXXX. 

My loancare XXXX is so messed up I can't get anyone to help me after contacting them several times, they were to create an analysis and contact me back, never happened, I only receive automated calls. They are now saying my XXXX is behind in payments, I have proof from my back using bill pay that every payment is sent out on XXXX of each 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 explanation
Consumer complaint received 2021-03-08
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Unfortunately I lost my phone for like maybe 2 hours until I was able to track it down with find my friends and I noticed there was money sent to someone who I didnt authorize this payment to and I tried requesting it back plenty of times but never got an response back! I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I have a PayPal account that is connected to a PayPal Prepaid Debit Card/XXXX account. To be able to use my PayPal account to get cash or to use at a physical store, I need to transfer the funds to my PayPal Prepaid Debit Card/XXXX 

Right now, I have {$630.00} in my Paypal account. I have been trying for the past week to transfer the funds from my PayPal account to my PayPal Prepaid Debit CardXXXX. 

I have done this many times, so I know how to do it correctly. I have not exceeded any of the transfer limitations. 

Nevertheless, when I try to transfer the funds, I get an error message that says, " There is a problem with this transfer. Try logging in to PayPal to see if money is waiting for you to accept it. If not, contact PayPal Customer Service. '' I contacted the PayPal Prepaid Debit Card/XXXX  company via their online message system. They said the problem was on the side of PayPal, not XXXX. 

I contacted PayPal via their online message system. PayPal did not respond.

I called PayPal. After a long time on the phone, PayPal said it was XXXX 's fault and transferred my call to XXXX without even corresponding with them what the problem was. 

Then I had to go over the problem all over again with a XXXX phone representative. 

Still, I can not access my own funds. PayPal and XXXX are using my funds while my child and I can not even buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been denied credit for housing and auto loans due to Experian reporting I have a fraud alert on their file. I was under the assumption that a fraud alert meant I would be notified that a new credit application was being filed and a higher level of identity verification was needed. Unfortunately, neither Experian or any vendors that guy submitted a credit application XXXX contacted me to verify my identity besides my SSN. I received multiple denial letters indicating vendors received a report from Experian that my identity could not be verified which does not make sense to me because Experian does not verify my identity I, XXXX XXXX confirms my identity with any vendor that I choose to do business with.

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 2023-08-31
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting 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:
All of a sudden I have multiple inquiries that I did not authorize XXXX XXXX XXXXXXXX Address XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/2023 XXXX  Inquired on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AES/PHEAA
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:
Dear Consumer Financial Protection Bureau, CFPB My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments and they ; FedLoan Servicing never responded as follows : 12 DIRECT SUB CONSOLIDATION LOAN {$27000.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58000.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : 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 As of XX/XX/XXXX I have 68 eligible counts. I understand that I must certify my employment and will have that completed by the end of the month however the 15 missing payments listed above have not been included in the eligible counts. Also missing are 8 payments listed below that was not included in my eligible count. I should have a total of 91 eligible counts as of XX/XX/XXXX. I am requesting a manual review to have counts reflected accurately. 
Payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been included in the eligible count however the 6 remaining havent and payments XX/XX/XXXX and XX/XX/XXXX should be applied to two loans making it 4 counts with the other 4 payment totaling 8. 
I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a request/complaint to verify all these accounts but a request to Block/Remove them pursuant Section 605B ( c ) of the FCRA.

Under Section 605B of the Fair Credit Reporting Act I've requested to block identifying information on my Credit Report and Reporting Agency declined this request, even though, I've provided all needed documentation to support my request. 

Under Section 605B please block all identified information listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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