BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: GOLDMAN SACHS BANK USA
State: CO
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:
For over 15 months I have tried unsuccessfully to resolve the issue of making sure that my Apple ID is consistent throughout the Apple network via the online methods provided. There are two issues surrounding the Apple Card. On XX/XX/XXXX, I contacted Goldman Sachs directly because of the ongoing problem with receiving paper statements when I do not want them and I was informed that they have an incorrect Apple ID associated with my Apple Card. It is unclear how this happened, but I have a theory which is more sensitive in nature to put here. The second issue is because the Apple Card will not link to my Apple services. After the phone conversation with XXXX XXXX I was told that the issue would be escalated and someone would be in touch in 3-5 days ( when in actuality he should have stated 10 days ). On XX/XX/XXXX, I contacted Apple directly because of these issues to see if they had a solution now that I had more information. I spent XXXX XXXX hours in an online chat trying to resolve the issues without resolution. A subsequent phone call was arranged that same afternoon, which also resulted in no resolution with XXXX. XXXX scheduled a return phone appointment for 5 days, which was not completed at the specified time. When he finally did call back it was still not resolved and now XXXX came up with yet a different reason that the problem existed. He subsequently put me back in touch with Goldman Sachs who stated that the timeline for the original resolution was 10 days and this was now XX/XX/XXXX. On XX/XX/XXXX XXXX from Goldman Sachs called and left a message in response to my XX/XX/XXXX initial call. I called XXXX back, but was not able to speak with him directly and again had to reiterate all the details of the situation. The Apple ID associated with Goldman Sachs is not accurate and according to Apple does not exist and thus I am unable to make this Apple Card/Apple product association work smoothly. This new person at Goldman Sachs stated that she would take the information and it would now be another 10 days. This afternoon ( XX/XX/XXXX ) Apple card called again and stated that I would have to close my account and apply for a new Apple card in order to have the issue corrected. My response was why would I impact my credit score with such a ridiculous solution. Upon receiving my mail today ( XX/XX/XXXX ) I had correspondence from Goldman Sachs stating that they take my complaint seriously and that they tried to contact me, but were unable to do so, but I should call again to seek resolution. Thus, I am filing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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 information is part of Equifax 's security breach. I also have a paid membership with Equifax which possibly puts me more at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with XXXX XXXX XXXX. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have surgery last year. He had a total of XXXX surgeries in XXXX months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This past Sunday, XX/XX/22, I received an email alert notifying of a pending {$800.00} XXXX  payment that was scheduled to be debited from my private bank checking account on Monday, XX/XX/22. Ive never used XXXX XXXX  and do not know the recipient. As this was clearly a case of fraud, I promptly phoned XXXX customer service to alert them of the issue. The CSR dismissed it, as the transaction wasnt yet appearing in the account ledger. I emailed the investigation department at the CSRs behest, and provided a screenshot of the evidence. At this point, having performed all due diligence I could, I trusted the bank to protect my interests. 



However, when I checked my account the next morning while on my way into work, I discovered that that transaction had been allowed and that I was subsequently overdrawn {$220.00}. Two days later, the situation still hasnt been resolved and my account still has not been credited the {$800.00} which was stolen. The dispute department is dragging its feet, and my private bankers are indifferent to the situation. As of Thursday, XX/XX/22, XXXX is still letting my account languish with a negative balance without restoring the {$800.00} which was stolen from me due to their negligence and incompetence!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Ceannate
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
During a time of financial hardship I fell behind and was unable to make student loan payments. During this time I received several threatening phone calls from a company servicing my federal student loans called XXXX investment corp . Representatives at the company were demanding that I pay the entire lump sum of the loan amount. During several harassing phone calls representatives threatened to send my loan to a law office that will garnish my wages unless I made a payment of {$50000.00} over the phone. I was unsure who this company was and they were unable to confirm details of the accounts. Income based payment options were not made available. Excessive fees and high interest have also been added to my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Financial Credit Service, Inc.
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Supposely I received a pay day loan from Money More XX/XX/XXXX and now being contacted XXXX They say that I am being charged with fraud and passing a bad check When contacting this company they said that I was given a letter of intent XX/XX/XXXX I have never received this letter. When I asked for an address to send pament they refuse to give me a address. They are supposely going to take me court and have me arrested etc .... Phone number for XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
1. I asked for a payment history on my loan over 90 days and still have not received it. I have received a couple of letters saying that HFC needs more time. It has been over XXXX days since I made the request. What would take so long to print out my complete payment history. 
2. HFC put my loan back in the bankruptcy department and has turned off my online access to my account. I did n't receive a bill for XX/XX/XXXX. I ca n't view any bills online as I am locked out. I do n't know what my payment is without a bill? 
3. I called on XX/XX/XXXX to make an over the phone payment. I was transferred to the loss mitigation department to XXXX XXXX. No answer as usual so I pressed XXXX. I got a loss mitigation employee that said I needed to speak with the bankruptcy department. I was transferred to another associate and told her that I was trying to make a payment. This associate said okay I will get you to the bankruptcy department. I was transferred to XXXX in the bankrtupcy department. I told her I was trying to make a payment and wanted to know why my account is in the bankruptcy department. I was asked if I recently filed bankruptcy. I said no and she asked if anyone else who lives with me filed bankruptcy. I told her know and she said she needed to review the notes on my account. XXXX told me that there were errors on some payments in XX/XX/XXXX/XX/XX/XXXX and they were being corrected. I asked what payments and why have I received a corrected XXXX. XXXX was unsure and told me that once they complete the audit I would be pushed back to regular servicing. I said I am not receiving bills now and have no online access. I asked why would payments from XXXX years ago need to be corrected now. I asked for a payment history! XXXX has no real reasons. I asked how in the world I make a payment. XXXX said she could take a payment over the phone. I asked what I owed since I do n't have a bill. XXXX just responded with " well what do you want to pay? '' This is such a nightmare I ca n't believe that I am still having to go through this with HFC! I made a payment over the phone and asked when someone would tell me what 's happening and why? XXXX did n't know but gave me the XXXX number to HUD. 
4. Why is my loan is the bankruptcy department? I have been discharged from my bankruptcy since XX/XX/XXXX. Why am I not getting bills? Why is my account access turned off? Why have I received a corrected XXXX? Why have I not received the payment history I asked for over XXXX days ago? 
5. I applied for a loan modification back XX/XX/XXXX and was told my payment history had to be audited back then. It took XXXX year and a compliant to the CFPB to get the modification approval. Now my payments are being adjusted again? What is going on? This is not good business practices. My loan as I assumed is not correct! That is why I am being denied the payment history. HFC is not an honest company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-08-04
Company: Paypal Holdings, Inc
State: WA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I got the buyer, who purchased an item from my website via Paypal. I 've sent him his purchase and provided with tracking number, item was delivered to him. He opened a claim, stating, that he 's got an empty box. The thing is, that I have the receipt from the USPS that shows, that the package was XXXX XXXX oz, which is obviously not the weight for an empty box. I 'm not sure whether the buyer stole it or somebody on the XXXX custom ( the buyer is from XXXX ), but as a result I 've lost both my item and my money. Because Paypal closed the case in buyers favor ( he gave them a sort of the police report from their local police office ). Except from the obvious evidence ( receipt from USPS ) I would like to add, that I 've been eBay seller for more then five years, I have more then XXXX transaction and also I 've been selling from my web site for around a year and I 've never had problems like this before. And it does n't make sense to me to do that ' as this is my business which brings me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since the pandemic started, my well being became compromised. It was a relief that I was eligible to put my mortgage in forbearance when the pandemic first began. My mortgage servicer was reluctant to put me in forbearance but the XXXX XXXX XXXX  XXXX XXXX told me that this was a requirement. 
Now that I can no longer be in forbearance my mortgage payments are due monthly. But work has become difficult as I am XXXX years of age. 
In XXXX, 2022 I applied for mortgage assistance through the HAF program, XXXX XXXX XXXX  XXXX. I was conditionally approved for assistance by HAF last month. After being conditionally approved, HAF contacts the applicants mortgage servicer which in my case is JP Morgan Chase in order to arrange a mortgage modification. I called XXXX today since I still have not been approved for assistance. I asked XXXX if they tried contacting Chase and they said yes but that Chase has been unresponsive to XXXX. 
Even before I applied for mortgage assistance I asked Chase if they would do a mortgage modification and they said no. 
I have always paid my mortgage on time but now in view of the fact that my health has suffered due to the pandemic, mortgage assistance through a loan modification with my servicer would be most helpful in keeping me in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX Plaintiff Attorney on Record TBN # XXXX filed a suit against me in XXXX County Court, Precinct XXXX. The first claim is that this case was time barred pursuant to Texas XXXX Code Sec. 16.004 et seq. Texas XXXX Sec. XXXX. The second claim is that this company had no admissible evidence of a formation of a contract. This company has a history of within the CFPB for deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Jpmcb card XXXX XXXX XXXX XXXX, DE XXXX XXXX I applied on XX/XX/2022 to the Southwest Rapid Rewards Plus Credit card ( info above ) to used to book flights. It was the first time applying for their credit card and I was denied without a reason for denial and the hard inquiry was placed on my XXXX credit bureau. I have a credit score over 740 and I don't don't have high credit utilization

Company response to consumer: Closed with explanation