BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I paid {$150.00} for 3 months of forbearance and only used one month. I was told to call when i was ready to use the remaining 2 months as I had already paid for them I would n't have to pay again. They are now passing the phone around to other people in the office and laughing at my request. They are telling me to pay another {$150.00} for another forbearance request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XXXX XXXX, 2013, should be removed. Scottrade is in possession of a police report that supports this request.

Company response to consumer: Closed
Consumer complaint received 2017-02-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello, I have been having trouble with my loan provider, Navient. They continuously change the terms on my account claiming lower monthly payments. Yes, this sounds tempting but I never made such request because I do n't wish to be pulled into paying more interest. They also place my account into deferment which then turns into an automatic capitalization fee. I am enrolled in school but do not wish to be in deferment because I CAN make my payments. I call to remove account from deferent and they do so but still leave their fee saying that fee is government mandated and it cant be removed. And finally, interest and principal allocations always vary every month. One month {$180.00} can do to principal, next month only {$60.00} goes into my principal. I am extremely confused with how this company allocates my money and will I ever finish paying my loans if this company is trying to keep in wrapped up in just paying interest. I have never missed any payments, give more than I should to finish paying early but it just seems like this company does n't care for me just my pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: PA
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've been disputing this account as fraudulent 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My Navient account notes they are not allowed to contact me via Auto dialing at my listed number ( a cell phone number ), yet they continue to do so. When I received a call today at approximately XXXX I asked why there was such a long pause after I answered the call and when they picked up, at that time, the caller admitted it was due to an auto-dialer. I reminded the caller my account notes they are not allowed to use auto dialers to contact me and was basically told that request would never be honored by Navient and that the practice was not in violation of any federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged a XXXX late fee on my account. Santander posted my payment 3 days late. Santander stated that they received and posted my payment the day it was received. I do not believe that 1, because XXXX service is not that slow, it was mailed 10 days before it was posted, 2, because all other payments mailed on that date managed to get delivered on time. 
I want the XXXX credited back to my account, along with any finance charges associated with this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, entered into a consumer credit transaction with XXXX XXXX. Santander Consumer USA is the bank that was used for the finance charge. Santander Consumer USA is attempting to collect a debt. This is a violation of my rights pursuant 15 usc 1692 ( b ). Being that XXXX XXXX violated 15 usc 1605, ( did not include insurance in my finance charge and also took cash as downpayment ) the contract is null and void. Santander Consumer USA sent me a notice with a witten line stating " this is an attempt to collect a debt '' which is a violation of 15 usc 1692 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: ERC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ERC placed {$67.00} collection on my credit report. I have disputed this through all three credit bureaus without success. I do not owe this account and no proof was given to me. I do not even know what this account is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On or about XXXX XX/XX/2021, a day after the total balances on both my Chase XXXXXXXX XXXX were paid off, both cards credit limits were decreased. My XXXX card was reduced to XXXX, and my XXXX card was reduced to XXXX. Both accounts were, and are in good standing, never having a late or missed payment. Usage reflected large charges related to home improvements, consistent with previous usage. Historic usage patterns reflect both cards being paid off in full multiple times. In spite of also having had high balances on her card, my XXXX did not have her line of credit reduced. My name is XXXX XXXX, my XXXX name is XXXX XXXX. I believe my decrease is directly related to my name/ethnicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: DISCOVER BANK
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:
The company Im with is Discover card. I got a card with them back in XXXX and I was excited because that mean I could actually start adulthood with a credit score. This incident occurred on XX/XX/XXXX, I think. So I looked at my account to see how much I had to pay for the next month ( XX/XX/2020 ) and I saw I had a balance of {$400.00} on it, which was weird to me since Id only spent {$17.00} on art supplies ( since Im stuck inside, I bought some canvases to paint on ). I called the company a total of four times ( once I didnt get to talk to anyone because I called outside of their usual hours ). 
The first time, I was transferred over and was told that it was from a past fraud claim at the end of XXXX and that it was determined to be legitimate. I argued couldnt have been because I hadnt authorized the charges and I didnt have the card anyway because I never received it. They told me that they couldnt do anything and I had to give an explanation as to why it was being used ( as if I could, I had no knowledge of where the card was or if anyone took it ). They told me to file a police report and that was it. 
The second time, I talked to another person who told me hed look into another dispute for me ( which Im really grateful for ). That one was also denied but I didnt know until the fourth call. This person closed the account because I still hadnt received a card and had the new card sent to my dads house since I live with my mom. He also told me it was used via chip so someone had to have physical possession of the card. 
The third time, they didnt answer. That was on me since I didnt check the hours. 
The fourth time, they told me what the first guy did. They said they couldnt determine it was fraud because it was close to my home ( which I mean makes sense, they would use it close by if they wanted to ). Mind you, I have no license so I cant drive anywhere and I had no reason to spend even over {$100.00}. The most Ive ever spent at one time was {$200.00} and that was for an xbox for myself as a gift using my debit card. Thats it. I dont want to be charged for something I couldnt have spent. I dont know what other evidence they want from me but Ive filed a police report to try and get some answers. Hopefully this gets somewhere and actually gets resolved. I feel like I was failed by the company, especially as a college student. Im honestly thinking of closing my account and maybe dealing with my credit score later but I know this is going to affect me regardless. Ive lost trust in people I love most because of this. I panicked after the fourth call because honestly I dont have the money to be paying off someone elses purchases. And either way, why would I pay for someone taking advantage of MY card?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I PREVIOUSLY DISPUTED AN ACCOUNT THAT WAS REPORTING ON MY EQUIFAX CREDIT REPORT. THE NAME OF THE ACCOUNT IS XXXX XXXX XXXX ( XXXX University ) AND THE AMOUNT IS {$1100.00}. XXXX XXXX XXXX SUBMITTED A REQUEST TO HAVE THIS ACCOUNT REMOVED FROM MY CREDIT AND I HAVE NOTICED THE ACCOUNT IS STILL PRESENTLY ON MY CREDIT REPORT. EQUIFAX NEEDS TO DELETE THIS INFORMATION AS THEY HAVE ALREADY RECIEVED THE REQUEST FROM THE REPORTING COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Resurgence Financial, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debtor haven't returned my calls an it's been a whole year, now there sending this to court to collect money I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I called a few times to XXXX XXXX I had scheduled a payment for XX/XX/2021 and I called in on XX/XX/2021 to cancel the payment because there Would be no funds to cover it. I lost my job die to COVID and explained to XXXX XXXX I applied for unemployment and the got the response back Im approved however there is a delay with the processing of it. In short they enrolled me in a financial relief program for all my cards and they have token out all necessary payments via auto pay which I have proof I am up to date and there was an error in there system I would like them to fix with my 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 2016-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX XXXX, 2016 XXXX XXXX ran a hard inquiry of my credit report. I was notified by a service regarding this hard inquiry. I contacted them and was told a XXXX inch television had been ordered in my name and was to be delivered to my front porch. I did not order this and was able to get XXXX to return it to this company. 
My concern is that this company is a predator. They are granting easy credit for their overpriced mail order items based on a persons a name and address to people who can not afford these overpriced items. Scam and fraud comes into play because anybody can order merchandise with fake names and addresses. The items are delivered to front porches of homes and picked up by thieves who placed the order. In the meantime, the unsuspecting consumer has their credit checked and receives the bill for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: GLA Collection Company, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... GLA COLLECT ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: NY
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:
Your feedback While XXXX 's concluded that the hard inquiry was fraudulent and that I was not aware nor consent, XXXX 's response is still not sufficient. They wrote : " Were therefore asking the credit bureau to change the XX/XX/2021 inquiry to a non-display inquiry. This type of inquiry is viewable to you but not to other creditors. '' I respectfully request that this fraudulent hard inquiry be entirely deleted immediately. I don't want it 'viewable ' to me nor did I cause this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello I took my XXXX old XXXXn to the emergency room, he had a really bad XXXX XXXX they did a can scan, I give the hospital my insurance car he had medical. First I got a bill saying that everything was pay off, but a month after they send another one that was in collections already I was confused so I call the hospital directly, they told me the reason was cause that bill was for the room, I was ok but you guys are sending to collection no notice no nothing just cause the hospital and them could not communicate whit each other I did Told her that was really unfair of them, I give her my insurance information a week later I got a letter that was pay off.I call ccs and told them what was going on the girl that answer say to me thank you and Hang up on me, whit the biggest attitude.I waited I keep getting calls I call them again they did not want to hear it I told the girl again I told her I will send you guys a copy the bill that is payoff I she ok whit a attitude and hang up on me again.I send them all they need to take me out their list I always take care of my bills and my credit I need help please this already pay off I have all the copies credit consulting services , Inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: GOLD KEY CREDIT, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016 I called Gold Key at XXXX and spoke with XXXX XXXX. I asked for the information on my debt and that she send me an invoice as my credit union required that to payoff the debt. XXXX not only was rude to me but refused to speak with my credit union manager, XXXX XXXX, because XXXX told XXXX that verifying me with my d.o.b. was not appropriate for XXXX to do and I had already verified myself. XXXX refused to speak with XXXX. She refused to fax or email and invoice. And ended up lying stating that she would mail an invoice when I was told by another representative that they could not do that. Why would collection agencies compliance policies not allow them to create an invoice proving the payment amount and address?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: PA
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
Long story short RushCard member, severly impacted by this transitional glitch, been with access to my savings and payroll for 9 days, customer service disconnects after 1+ hours of hold time, lies to me and causes more problems. Been trying aimlessly to have this fixed but when one problem is fixed another arises. I am finally at a point where my card is showing active, my balance is XXXX $ off but close enough considering its XXXX $ i have on this card yet i still have absolutely no access to it. No pos purchases no atm in or out of network and no news of hen i will be able to access it. 
I already discontinued my payroll direct deposit for next week and plan on closing the acct when i get my money. Problem is im a single dad with XXXX kids, i work hard to support them without government assistance. I can barely make it as is let alone dealing with this mess. Please help please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
PayPal.com limited my 3 accounts without prior notice in XX/XX/2021 and held {$22000.00} USD total balance for 180 days. PayPal support promised several times that they will release my funds after the 180 days pass. PayPal acted in bad faith and stole my hard earned money under the false claim of nonexistent damage. There was never any damage and PayPal took random arbitrary amounts to empty my balances through an obvious automated process at the 170 day from the initial account limitation for each account. I'm just offering social media marketing and management services. I never used any copyrighted material to promote my business and have never broken XXXX. All accounts legit and matching my passport. Transactions Details : - Account 1 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD ) - Account 2 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD ) - Account 3 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Western Benefits Group, LLC
State: OH
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 went to refinance my student loans to an income based plan. I went through the third party Western Benefits Group. I was led to believe that they would negate my monthly payments and my fees toward WBG were towards my loan. However, it appears that the {$35.00} a month I've been paying them are going towards a membership fee and not the loan. I would like to leave WBG but when I call there is no answer. I have no debt to them and should not owe anything since my student loans are officially through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: MS
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
The issue is with the company Rushcard ... ... I have gone over a week without accessing my funds due to a technical glitch in their system upgrade. tried to contact Customer Service on several occasions was on hold for a very long time and hung up on by customer service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have previously made a compliant on Chase Bank. They allowed XXXX separate fraudulent wire transfers to come out of my account WITHOUT my permission! I have yet to have a resolution with Chase! They first sent me the incorrect forgery packet. I have given every single piece of evidence and every report I have filed ( with police, and FBI ) looks like Im going to have to find an attorney because they closed my case sending me a different forgery packet. They have had over 2 months to respond and they have yet to get in contact or able to give me any answers on the status of the claim other than me receiving a paper stating they are once again closing my claim. They tried to close my claim in the beginning without investigating. XXXX is approaching and I need my funds back into my account. I feel very taken advantage of and violated by this company. I thought me putting my money into a bank was a safe idea, obviously not when they can get away with stealing your funds right under your nose without your permission.

Company response to consumer: Closed with monetary relief