BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is an urgent matter, as I am unable to link a bank account to my HSBC account or complete a bank to bank transfer, which I need to pay rent and bills, into my account. HSBC is closing its US accounts this week, and has completely stopped responding to any contacts, and has known about the issue for six weeks, and it has only gotten worse. In XX/XX/2021, HSBC placed a completely negligent fraud alert ( multiple calls from multiple departments that do not coordinate ) on my checking account, and I wasted almost a day trying to get through to them or get an explanation, as it sounded like my rent check had been stopped. I was repeatedly cut off, lied to, given completely contradictory explanations -- it was beyond belief. I eventually got hold of XXXX XXXX, an alleged executive, who eventually acknowledged the alert was negligent ( placed only because I used two inks on the check, even though it was fully initialed and signed ) and promised she would quickly look into the matter and get back to me ( that was on XX/XX/XXXX of last year ; she has done literally nothing since ). The response from HSBC fraud abroad was insane -- it was like dealing with the deranged ( there's no nicer way to put it : that description is inadequate ). Instead, I got yet a letter about fraud ( but not specifying even what it was about ) from HSBC weeks after XXXX swore she had resoled the issue ( but she was still allegedly investigating and never provided any update after that one initial assurance the check would clear ). When I emailed XXXX to tell her she needed to tell me immediately what the new fraud letter involved, she did not respond. She did nothing week after week, usually not replying, and when she did, she offered absurd excuses and stalled again. She has literally done nothing for six weeks, and has not responded at all for more than a week, and barely at all before that for weeks. Now there is another negligent urgent matter ; XXXX placed some wholly insane fraud alert on my bank to bank transfers when I tried to link an outside checking account. I tried for hours to get them to fix it ( via online chat and phone, only in each case after hours to have the agents say they couldn't do it and to call back ). I have emailed XXXX every day for more than a week and gotten no response, which, on top of the prior negligence, is a new level of criminal negligence. I also have left at least 5 phone messages with HSBC 's executive office ( not with XXXX ), none of which have been returned. It is clear that because HSBC is closing its US personal account, it could not care less. I have spent days trying to deal with their negligence and recalcitrance, which has reached unbelievable levels. XXXX 's contact information is XXXX XXXX XXXX | Customer Relations | Executive Office HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX OF XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXS ****** has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-08-27
Company: AES/PHEAA
State: IN
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:
In XXXX, my employer and employment were certified and counted toward PSLF. I reapplied XX/XX/XXXX to update the past year of payments and I received a notice from FedLoan that my employment was not certified because my employer is " for-profit. '' I used the PSLF tool on XXXX so that I could submit the information about my employer, but the tool did NOT work, even after trying multiple browsers and different days. I tried contacting the Federal Student loan office by phone several times and the people that I was able to get in contact with told me that there was nothing they could do about the online tool not working and there was no alternate way to submit that information. I eventually contacted the Ombudsman group, who connected me to a representative at FedLoan that handled my inquiry. On XX/XX/XXXX, I received a notice that my employment was certified along with an update of my qualifying my payments. Now on XX/XX/XXXX, I received a notice in my paperless inbox from FedLoan with the subject " PSLF Qualifying Payment Update '' which, in summary, just states that I now have ZERO qualifying payments, however there was no specific explanation as to why this randomly happened. I called FedLoan on XX/XX/XXXX and was informed that there is an additional letter that I was supposed to receive stating that my employer was determined as not qualified due to being for-profit. I have yet to receive the letter, but I received the updated qualifying payment status letter. I have already submitted a request on the studentaid.gov website, which still is very buggy. I shouldn't have to do all this work to get my employer certified and I am increasing confused as to how and why those involved with this process have the inability to research and read. There is a plethora of information related to the Federal Home Loan Bank System on various .gov websites as well. Additionally, we are well aware that the PSLF program has been grossly mishandled and administrated in the past and now that FedLoan is not renewing their contract and no other servicer handles PSLF, I am extremely concerned. I feel like the number of hoops and continuous attempts to get this corrected is NOT my burden, as the Federal Home Loan Bank system has been an integral part of this countrys financial system since the XXXX 's. I think they are hung up on the " for profit '' part instead of the fact that the Federal Home Loan Banks are govt entities and per the application form and anything that I can see, should qualify without issues. The FHLBank system is EXEMPT for ALL taxes and are extensively involved in community development nationwide in areas such as affordable housing projects, owner-occupied rehab, homebuyer down payment assistance, and small business grants just as examples.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Select Management Resources, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
**This is a violation of privacy policy situation, and I need help, please! I've exhausted all options, I am seeking legal representation. Here are the details. I have documents and photos to support this situation. ** I had obtained a title loan with Atlanta Title Loans in XXXX, 2021 due to financial strain. I have been in a XXXX XXXX situation for quite some time and was trying to pay off bills so I could relocate myself and children, or at least start the process. My ex ( XXXX ) stole my phone and Atlanta Title Loans called about my payment XX/XX/2021. He disclosed that he was my boyfriend/husband ( lied ) and inquired about the nature of the call. The initial point of contact just stated that he needed to speak with me. My ex then called the company back, and requested details of why they were trying to reach me. At that point, another representative named XXXX gave him my information, and advised him that I had an open loan with their company. He requested she text pictures of whatever information she had about me and my loan. She agreed and text him pictures of my drivers license, my signature, and loan application details, from her PERSONAL cell phone, which compromised my personal data even further. There were NO authorized indiviuals names that were allowed to access any of that info. He became furious and was violent toward me. This triggered my XXXX XXXX and XXXX issues. I have a history of XXXX XXXX XXXX, and this had caused me to become unable to return to work for fear he will show up. Ive since lost my job because of this. This company violated every protocol in their privacy policy and put me in harms way. I am a single mom, now without a job, money and potentially at risk of losing the only vehicle I have. This is such a horrible situation, and I dont know what I can do. I have copies of the texts sent to him, and also texts between myself and the employee in regard to this issue. I have not received any feedback from management, I have since received a late payment letter stating they can repossess my vehicle anytime they want.. Please, if there is anything you can do to help, I really really need it. I have since had to petition for a family XXXX XXXX order, but I am in constant fear, and all due to this discrepancy. This company did not care enough to make a simple effort to just protect my personal information, makes me very concerned where else they are lacking and how this could effect more clients, I do not have a working phone number at the moment but I can be reached via email anytime. Please help! I feel like this is something that needs immediate attention or could be detrimental. 

Thanks in advance for any help you might be able to offer.

Company response to consumer: Closed with non-monetary relief