BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In 2007 I wanted to convert my consolidated stafford loans to direct federal loans so that I could qualify for the public service repayment program. I was told by Sallie Mae that I could not reconsolidate the loans and was not ( and would not become ) eligible for the repayment program. I have found out recently that my loans were in fact eligible for reconsolidation. Now I have paid for another 9 years and have made no progress toward qualifying for the PSLR program. I have worked for a qualified 503 ( c ) for my entire 18 year career.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
This is a complaint against Equifax Credit XXXX. The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX Bank ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XXXX and XXXX of 2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that 100 % that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am writing for my aunt, XXXX XXXX XXXX. She was given a loan from XXXX XXXX back on XXXX/XXXX/2014 for a new XXXX XXXX. She already owned a XXXX vehicle that was approximately 4 years old, which she had paid cash for upon purchase. She continued having it serviced at the dealership in XXXX XXXX, CT. When she went in for a " tune up '' she was told it would cost {$500.00} but if she wanted to get a new vehicle they would void the charge to get her in a new car. My aunt being elderly and possibly has XXXX to some degree was told that he current vehicle was going to start having problems and it was no longer under warrantee and that purchasing a new vehicle would be her best bet. 
We are not sure how this purchase was approved as she only had income of {$630.00} from XXXX with no other assets besides her home. At the time of sale she was also convinced to purchase " resist all '' for {$690.00}, which must be a rust guard of some sort. It appears that this elderly woman was part of some predatory lending. Her monthly payment was {$270.00} up until she lost her home and had to relinquish her vehicle since she has no funds to pay for it. Why was this loan granted? Should n't she have needed a co-signer? The monthly payment is almost half of her XXXX, how was this approved? XXXX XXXX is not very kind in this matter. - they also want her to pay a re-stocking fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP continues to use false and misleading information in its illegitimate attempt to collect this alleged debt by falsely stating The owner is bound by the Declaration of Covenants for the community because he purchased a home in the neighborhood. This is a baseless claim made without any legal merit to back up such a claim. Its also misleading as to whom is being referred to as the owner and who is being referred to as he. 

XXXX. The legal definition of bound is to be constrained by a contractual agreement, other obligation, or constrained to follow a precedent. 
-Its been previously proven in the prior complaint numbers : XXXX, XXXX, XXXX that the elements of a valid and legal legitimate enforceability agreement between the association and myself is non-existent as it does not exist. 

2. The legal definition of declaration is a formal statement, proclamation, or announcement, esp. one embodied in an instrument.

-Its been previously noted that Dunlap Gardiner LLP and its client the association was not present during the transaction of the home. At no time during this transaction was I disclosed with any statement, proclamation, or announcement regarding the existence of an association or an agreement to join one.

-Being that there were no legal agreements between myself and the association, there is no written legal documentation that defines the rights, duties, entitlements, or liabilities such as a contract legally defined as an instrument. If one existed, Dunlap Gardiner LLP and its client would have provided it already when requested.

3. The legal definition of covenant is a formal agreement or promise, usually in a contract.

Lastly : Dunlap Gardiner LLP states that There is no legal requirement that he sign anything in order to be bound by the Declaration. This statement further proves that there is and never was a valid and legal agreement between myself and the association. The association preyed on me not knowing my rights as a consumer and took advantage with their illegal, misleading, and predatory collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any updates at all.

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 2015-07-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I received a loan from Drive Financial in the amount of {$15000.00} in 2008. The loan was secured through a XXXX dealership. Santander purchased the loan. As of today, I have paid over {$33000.00} on the loan and still owe {$9100.00}. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: TX
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 reported misinformation to XXXX XXXX XXXX XXXX  on XX/XX/23. that is inaccurate and contradicts information that Experian has provided me through their website. Experian reports my credit score to be XXXX on their official website, but had reported a score of XXXX to the lender

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 2023-04-04
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent money using the Remitly app to XXXX to one of my friends accounts i sent the money on XX/XX/XXXX the day i sent the money remitly sent me a notification saying that your transaction is completed and your recipient have the money by now in his account when i asked him he sayed he never got the money i call remitly to ask them and the coustmer service team told me that i have to wait for 7 days in order for us to proceed with your transaction and to get the email back its been 10 days they have not solved my problem so far every time i call them they say i have to wait when i want to talk to the supervisor they that the supervisor are busy at the moment or we will call back in hour and will connect you to one and they never called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Since 2006, the year I graduated, countless problems have come directly from careless business practices, but, by far, the most annoying problem is the refusal of the company to provide an account summary of the total amount repaid on my loan from the very beginning. They will provide up to one year and nothing further. I would like a comprehensive report detailing every single payment, missed payment and total due. 

After many requests over the years, I am turning to Consumer Financial to file a complaint and get the attention of someone holding a high enough position within Sallie Mae ( now known as XXXX ) to provide me with my comprehensive account summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Hello, I engaged in a vehicle lease through Chrysler Capital XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX of XXXX in the State XXXX. In XXXX of XXXX, I moved to IL and properly registered my vehicle through XXXX. As part of the registration process you must file XXXX tax form. This form/filing is the means to assess any sales/use tax due to the State XXXX when moving from out of state. I filed the form, and paid tax due to XXXX in the amount of {$790.00} ( documentation/payment rationale attached ). 

A few months later, I received a debt collection call from Chrysler Capital stating that I owed them {$1600.00} plus fees totaling {$2200.00}. After many calls ( and over many months ) with them, and the state XXXX, it was determined that I properly paid my taxes and that the State improperly billed Chrysler Capital. Chrysler Capital does not assign a single representative to the handle the matter, so every time we speak we start from scratch. Since Chrysler Capital is the owner of the vehicle, they simply assumed tax was due and they made the payment. They are unwilling to work with the state XXXX to obtain the proper credit/reconciliation for the over payment they made to the state, and rather simply assert that it 's not their problem - they paid the state so i need to pay them. I have confirmed with the state that since i do n't own the vehicle, there is nothing further i can do to resolve the issue considering i provided proper documentation of adequate and proper payment. The state needs to credit Chrysler Capital, but Chrysler Capital will take no action to obtain the credit, and there is nothing I can do to obtain it for them since I did not make their payment, I was never billed, and I do n't own the vehicle. 

Chrysler Capital has been unreasonable, and unwilling to take proper steps to resolve the matter, which results in an outstanding balance due on my account to them for the {$2200.00}. I have done everything i can to try to resolve, but at this point i do n't know where else i can turn for help and am hoping the CFPB will step in to help me do what is right with this issue. 

If further information is needed from me, I am happy to provide any details to bring this to final resolution. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Remitly, Inc.
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 am writing to express my deep dissatisfaction with the services provided by Remitly. On XX/XX/, I was charged a sum of XXXX USD through Remitly, which I believe was a result of a scam. I was promised a refund by Remitly, but despite several attempts and follow-ups, I have not received any refund. 

The whole process has been extremely frustrating, as Remitly keeps sending me back to XXXX, and XXXX keeps redirecting me to Remitly. The lack of responsibility and ownership demonstrated by both companies is unacceptable. 

I would like to request a full refund for the unauthorized charge of XXXX USD. I have provided all necessary documentation and information to both companies and have been waiting for a resolution for far too long. 

I hope that this matter can be resolved promptly and that I can receive the refund that I am entitled to. Please let me know if there is any further information required from my end to expedite the process. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To whom it may concern, I am writing this letter to plead my case about why I deserve to have my bank account reinstated. 

A few months ago I was approached by an acquaintance asking for help, he said it was urgent. He told me that he needed me to cash out his money order since he was unable to do it himself because he was having issues with his account and that it would be a big favor if I could do it for him. I had no experience dealing with accounts like this before so was not as suspicious of his motives as I now realize I should have been. I believed him and did him the favor. Now, I realize I got lied to, victimized and hustled. I am ashamed I allowed myself to get taken advantage of and that I was so nave.

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 2017-02-02
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Santander auto car loan Has been the biggest rip off I hav ever come across I 've been monitoring my credit making on time payments an then I noticed that not one payment not XXXX Dollar not XXXX cent I have payed has gone to the principle of the loan. My principle have stayed the same the whole time I was paying the car note currently researching legal representation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime /XXXX XXXX closed my checking account suddenly without notice with a balance of {$5700.00} which they did not reimburse to me. Below is their email of XXXX XXXX  I called them immediately and ask for my money. They said they would send me my funds in 30 days. They lied. I have not received my money. 



Chime Member Services <XXXX> To : XXXX XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX Chime Hi XXXX, Thanks for reaching out to Chime Member Services. My name is XXXX and I'm more than glad to assist you. I hope you are having a wonderful day! 

Let me help you with that : Spending Balance : {$5700.00} Savings Balance : {$0.00} Youll be able to check your current balance on the home screen of the Chime app. And you can also set up daily balance notifications by going to your Settings, scrolling to Notifications, and turning on Balance Alerts.

Please let me know if you have any other questions about your Spending Account. 

Thanks, XXXX | Chime Member Services Below is another email from Chime : hime Member Services <XXXX> To : XXXX XXXX Thu, XX/XX/XXXX at XXXX XXXX Chime Hi XXXX, Our issuer, The XXXX XXXX provides banking services to many other companies like Chime. They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure. 

Direct deposits, ACH debits, and recurring debit card payments may be rejected after your account closure date, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies/ Kind Regards, XXXX | Chime Support

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Bank of America checking account based on a deal for {$300.00} if I made {$4000.00} in direct deposits within 90 days of opening the account. I fulfilled this condition and was not given the bonus. I reported this to the bank several times, including by phone, chat, and fax, and never received a response.

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 2021-11-24
Company: EQUIFAX, INC.
State: TX
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:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60  days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2023, at XXXX, I purchased a Vanilla Gift Card from the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I purchased the card for {$5.00}, and a cash deposit of {$500.00}, totaling XXXX. When I returned to my home, I attempted to activate the card as instructed on the receipt. I noticed that the card was damaged and could not be activated. I also noticed that the 3rd set of numbers were crashed off ( XXXX XXXX XXXX XXXX ). I immediately contact the XXXX store to explain the situation. I spoke with the store XXXX, and she informed me that I could not return the card to the store, and that I would have to contact the Vanilla Gift Card Company to resolve my issue. On XX/XX/2023 I contact The Vanilla Gift Card Company at the telephone number provided on the back of the card ( XXXX ). The person I spoke with informed me that I would have to wait, because they will have to do an investigation. They instructed me to send them a copy of the Gift card, a copy of the purchase receipt, and a copy of my drivers license. Then they gave me a case number : XXXX. I have made numerous phone calls and sent numerous emails for updates on my case. The only answers that they would give me was that the investigation is on going. On or about XX/XX/2023, I contacted theXX/XX/XXXXXXXX, XXXX IL XXXX. They gave me a file number : XXXX. They forward a letter to The Vanilla Gift Card Company, and to me as well, but as of this date they have not received a response to the letter from the Vanilla Gift Card Company. The Law Office referred me to you. I still have the original receipt and the damage card, along with the package that the card came within.

Company response to consumer: Closed with explanation